His goal is for members to generate a retirement starting in 5 yr's or sooner.

So, people retiring to Florida would essentially be out.

I’m in my late 20s and not in a rush to retire, but my goal is to achieve financial independence in the next 10 years through real estate.I’m considering two options:Option 1: House Hacking with a Multifamily PropertyI probably have to use all my cash for the down payment, and the rent income won't cover the mortgage.

Money for today or money for retirement?

How hard is it for a person with high credit score but no income, retired to get a loan?

They also have a 'turn key' annuity asset that they can count on for consistent retirement income.

If my clients are over the age of 55 there is about a 50% chance they are moving out of state to retire so I am interview other agents pretty much every week.

Holding EXEMPT (from bankruptcy forfeiture) assets, holding assets in exempt entities (retirement accounts, pensions, IRAs, in some states insurance and annuities), homestead exemption, remote entity protection (LLC, Serial LLC, Corporations, Limited Partnerships,) Asset Protection Trusts, using separation of assets for married individuals (in certain states) charitable remainder trust, etc. can be very effective though can be costly. 

This Spring the inspection scheduler "Beverly" retired and the whole program moved to a 3rd party contractor out of California who now handles scheduling (with the expected miscommunication and inability to make quick decisions resulting).I have been a supporter of LMHA and the Section 8 housing choice voucher program here in Toledo, Lucas County, Maumee, Perrysburg, and surrounding areas but the program really is now costing far more than we get out of it.

I had the same situation last year with a property bought through Rent to Retirement in Detroit.