For what it's worth, here in Scituate SF rentals are scarce as hen's teeth. 

It takes a few buildings to cut your teeth, but it's worth it and can really open up inventory in a tight market that we're in (for 2-4's in Chicago at least). 

I realize it's a sensitive subject...Please be kind. :) Thank you!

Oddly enough I became caffeine sensitive so I switch to decaf which prior to I used to think people were pretty dumb to drink decaf and then I was drinking it.

This includes a discussion of their overall risk management program -- Life, Disability, Long Term Care and Liability -- to make sure the plans are adequate and cost effective.Considers the overall investment portfolio to make sure investment selection and diversification are managed appropriately.Reviews the overall tax sensitivity of these investments.3.Plans the Distribution of Wealth during Life in the Most Advantageous WayConsiders the IRA and qualified retirement plan distribution plan; not as an accountant, but using a tax expert as appropriate.Assesses who serves as their durable power of attorney or successor trustee of a revocable living trust in case of an incapacity - again using the appropriate advice from a CPA and legal counselors.Considers ways to distribute wealth to children and descendants for well-being, education and other purposes and doing so in the most tax-efficient method.Reviews charitable giving for both tax savings and control issues.4.

Maybe you create your own forum then.Maybe you should quit being so sensitive, unless this is the exact stuff you push and promote that leave people stuck like Nick.  

I only have about 10k in there so far though, and the market is starting to move sideways in terms of stocks, so Ill have to grit my teeth and put in some extra hours for that down payment.

Much below that, the tenants are super sensitive to changing economics and inflation. 

If you're already in this forum, then the challenge is in how you obtain one without the other suffering.Everyone has had a different journey with money prior to marriage and a wise spouse is one who is sensitive to that.

I think you're officially in Phase 2 --Pase 1: earn your degree in the real estate school of hard knocks, occasionally getting your teeth kicked in.Pase 2: Become successful and get tired of the same day to day nuances.