Real estate is one of the best ways to invest, build wealth and supplement retirement. 

Use the tax free money to supplement and reduce initial debt, or take out a new private note.   

I found me and my wife were being too picky and I had to keep telling myself this is not our forever single family home but it is an( investment property) In my situation I was renting just like you, So even if my 1st investment properly that I would be house hacking didn't cash flow I would be OK with that being that the renter would be supplementing my income , Would leave me paying Say $800 a month to cover my mortgage that's still a whole lot better than the $1500 I was throwing away for rent....

US incomes have fallen every year of the Biden Presidency thus far.The median income last year fell to $74,580. 90th percentile fell to $216,000, and the bottom 10th was $17,100.Poverty rate - the supplemental poverty measure - based on post-tax income and includes government-transfer payments like stimulus checks - rose to 12.4% .

Do you need the supplemental income in the form of cash flow to survive. 

Everyone can have virtual training, but that should be your supplement, not your primary method.2. 

@Nicole Heasley & @David Robertson - Thank you both - Although this book is a fantastic read cover to cover - it does not supplement hands on experience.

There are those who simply want a little supplemental income who tend to have inconsistent revenue because they don't really treat it like a business.

If none tell them you will be raising to market rent but allow them 60 days to move and for you to find better tenants without a vacancy.If you are restricted to $100 then 4 years is way to long to wait to get them to market and you will need to give them both notice to non renew.Assuming you are investing to make money you must make the proper business decisions and frankly giving up thousands of dollars of income by supplementing tenants rents is not the way to do it.

I want to own them free and clear to supplement retirement income.