In 2005 I started telling my members to decrease their debt load, unload marginal properties while the prices were approaching the peak and improve their cash position.

I am not saying that is a bad thing as you SHOULD be paid for your services, only to point out your opinionated statement does not come without bias.Alfred,If you are not "too hot" on retirement or tax deferred vehicles, you need to get hot as they are one of the greatest strategies/advantages to planning for retirement.I would NOT suggest you pull the cash out with your 20 month deferred plan as you will not only pay the marginal tax rate on the withdrawl, but you will also get hit with an additional 10% penalty.That said, you will basically end up with only 1/2 of your funds after taxes and penalties.I would strongly urge you to reconsider that course of action and educate yourself more on the subject, both right here on BP and any other sources such as books, news articles, programs, etc.If you are self-employed, I believe the solo 401k and now, the 401(a) plan to be a great choice over the SDI.For those you are not self employed, the SDI is a great feature, much more beneficial than IRA accounts managed by others who ONLY care about how many fees and commissions they can earn from you, regardless of the fact that you make or lose money.There are several legal and moral strategies to use qualified plan funds and benefit yourself outside of the plan all while benefiting the plan at the same time.

With this house i dont think it would make much sense to fix it sense the profit of margin is very small. however it would be a good learning experience , yet a risk.

Low income rentals require more hands-on management, but they also have better profit margins.

I have considered margin loan, but frankly the interest rate doesn't make it all that attractive long term.

I also think the fact that you have clarity on what you are after here increases the likelihood of success by a substantial margin. 

Majority of the auction properties here in my area are bought by the bank.The few that sell to investors are at high prices with very little profit margin.

Given I make about twice as much on my rentals as I do my W-2, and along with substantial tax deferred gains on stocks I pay a surprising small amount of tax on my total income even thought my I pay at a pretty high marginal rate on my last dollar of W-2 wages earned.

I would say average margins are in the teens and so you need to flip about a home a month before it makes sense.

I want to roughly factor in a 60% margin after factoring in expenses so even if expenses are under I’ll pull out the additional for any potential cap ex down the road.They said they’d provide a full year rent roll and financials breakdown after contract is accepted but the gave me June.What do you think of these numbers?