Think about the extra income you need on top of that to pay for retirement(if it's just quitting work early),  medical bills, and unexpected expenses.

If you can find smaller local banks in the market you pick they may have more unique products that they keep on their balance sheet or try and do the 5% down conventional on a 4-unit  FHA's self-sufficiency test applies to both 3 and 4-unit properties.

Analyze deals, build your network, and educate yourself constantly.If you have access to unique resources (like a VA loan, FHA Loan, or 401K), use them to your advantage!

Each market is different, and SF is very unique. 

Quote from @Phil Matheney: I would love to know Dave's thoughts on our unique Real Estate program. 

The city is home to the Cleveland Clinic, one of the top medical centers in the U.S., which creates a great opportunity to leverage real estate for attracting travel nurses and other medical professionals.

It will take you literally years to make that kind of money and it wouldn't be passive and you are likely working more hours with more stress.You are in a unique position.

With platforms like Airbnb or Hipcamp, you can attract travelers looking for unique stays.

Most of our tenants are traveling healthcare professionals, so we’ve tailored our lease terms to meet their unique needs.If a tenant needs to terminate the lease early due to their contract being canceled, we allow them to break the lease without a fee, as long as they can provide proof.

There are a lot of properties that are having double-digit ROI numbers but they have unique designs and features that stand out. 6.