He is always having issues, confrontations, ongoing drama and the like.....You just provide an excellent service and smart people will pay extra.

The idea here being you buy a 3-4 bedroom house near your practice facilities--and renting the extra rooms to your teammates. 

Think about all the extra time trouble and cost it takes to turn an ordinary house into a vacation rental...just my two cents though...

Once that extra rental started generating income, he realized the higher interest rate was just a temporary hiccup on the way to bigger returns.In your case, maybe look at a structure that keeps your best cash-flow property on a lighter refi (say 50% or 60% LTV) while you go a bit heavier on the one that’s not producing as much right now.

This provides extra peace of mind in case your upleg does not work out or the seller or lender will not deal.4) Truly retire for real estate ownership.

I actually am an attorney, and still send mine for extra vetting. 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

100% financing, no payments, financing in extra "cash out" money upfront so you can do a rate/term refi once you pay them off... 

Is that available to scale up and if there are investors,  resources to manage that side if the business.I imagine a $60M/year Lending business will need systems in place and more than 1 extra person.

At this stage you're probably better off investing that extra money into your primary business activity.What part of CA are you in?