Get all your money out of the financial planners hands and into something YOU control the outcome.  

If I focus on emergency fund, it seems I can't pay off my student loan faster or save for anything else.I am also interested in financial advisor/planner and the recommendation to find one is to ask around with my family, friends, or co-workers, but none of them use financial planner. 

For money partners, look to network with financial planners, CPAs etc. 

You can always head out to city planners office to see how the city is forecasting growth in the coming years.

As a financial planner and an avid real estate investor,  the most advantageous route I have seen similar individuals employ is to deposit your account with a brokerage firm that offers non-recourse loans of up to 60-80% (this  percentage is largely determined by the holdings in your account as I know that's how It is done at all the firms I work with that have this product) of your total assets under management and then the non-owner spouse ( The spouse who is not the owner of the retirement plan )  manages the real estate assets for a comparable management fee to which she/he would pay any other management company which would allow the family unit, in large part, to benefit from a significant portion of the income.  

Money Mustache, Rob Berger-the Doughroller podcast, Jeff Rose financial planner, and others).  

SDMatt is one of the planners with the company and is on Bigger Pockets.  

Hi Mark,I presume, by "CFP" you're referring to a Certified Financial Planner ??

If your coborrower or cosignor has a score that does not meet the min then their income cannot be used and only your income will be used in your qualification.I work day to day as a mortgage planner so I am familiar with FHA.

My financial planner is much more aggressive in his searches for properties and much more selective in his choices and only gets ones with 20% cash on cash.