I have a 5yr plan to acquire a total of 10 properties that will supplement my retirement in about 10 yrs with passive income and/or appreciation/equity growth.

Otherwise, you need to have a stable W2, solid documented self-employment income, or something like rental income to supplement your DTI.  

@JayHinrichsThanks for that supplemental explanation. 

But you also have REI cash flow going to supplement. 

I’d really like to supplement my efforts, by finding wholesalers that are active in Texas and in other states.

Supplement the historical performance with the relevant current and forecast statistics to derive the odds of continued long term appreciation.  

Now add in all of these above factors and consider how many times you will have to submit conditions to the lender for each month of new pay stubs, bank statements, verification of employment, credit supplements, builders invoices, appraisal updates, rate lock extensions etc...Your looking at 4-6 months now in most cases.I would suggest that after 2021 settles in a bit and "Hopefully" Covid starts to clear it's name form the media.....You might look back into that option.  203K is a time investment loan option that I think could be a last alternative choice to something quicker like a fix & flip loan. 

My goal is to create passive income to supplement my retirement in 11-15 years.

You have a steady flow of individuals going TAD to NAS Pensacola and Corry Station for training (safety school, helo dunker, etc), but you also have a great market for vacation rentals in the spring and summer to supplement the military individuals who need STR's. 

@Brandon Jefferies,@Dalyn Hazell's answer is extremely helpful.Coming from the lender side, I'll supplement Dalyn's first answer to your question,How to find hard money (or other types of) financing?