I'll refi in 12 months utilizing the built in equity plus what I earn this year to avoid a huge down payment. 

After five years you'll have earned $90,000 in rent income and gained $34,000 in appreciation.Buy four houses with $50,000 down on each.

If I purchase properties under my name what steps can I take (other than an LLC) to reduce risk to my personal property excluding the rental itself?

-The insurance market could change by denying/reducing coverage to addicts, putting this clinic out of business.The way I see it is even if the clinic shuts down and they break their lease, I could always rent it at market rate to a normal family, or I could just sell the property.  

How to get SS disability at 20 when there ain't a dang thing wrong with a person, how to get maximum "benefits" to "get you gov checks", than to earn in cash. how to maximize time on benefits. 

And I have been a PML business owner for a decade so it was an easy choice/chance for us to take and had access to funds to pay it off when rates jumped and our interest earnings was negligence compared to the risk. 

Check out my book in the BiggerPockets bookstore - Lend to Live: Earn Hassle-free Passive Income in Real Estate with Private Money Lending.

They just buy stuff they think buyers will like.How to reverse engineer the purchase price to earn a profit.

My opinion is that rates will be reduced in by 1/4 pt in Sept with the intent of shinning a positive light on the democratic party.

Paperwork says depending on Level 1,2 3 the tax is reduced.