I don't even consider them as supplemental income.

Are you taking supplements?

I'm open to getting a loan to supplement any extra income I may need.

I keep all of my reserves in a savings account earning 5.25%.Another consideration is how much steady W2 income that you have to supplement repairs and maintinence as issues arise.

This is just a preliminary filter and should not be supplemented for a thorough analysis of revenue, expenses, and possible expenses.

I would like to get more involved in real estate to the point where I can get 10+ plus units to help supplement retirement some day.I am looking to learn and open to any and all advice on next steps. 

And given the dearth of real talent at the hot corner these days (as evidenced by my fantasy baseball teams), I'd say you need to stick with baseball so you don't lose focus.Real estate investing is only for those people who are trying to get out of their day jobs and/or supplement their day job incomes to improve their quality of life. 

You can increase the liability coverage on your regular homeowners insurance and also get a supplemental 'umbrella' policy, with can increase the liability limits further.

I would think it would be a little easier to build capital without having to pay for housing.I guess maybe make the decision of whether you want to buy and hold a piece of real estate or ---supplement your income - wholesaling/flipping/working doing something related to real estate.If I were you - my first step would be call a banker and see how much you would have to save to be able to get into a duplex/3plex/4plex and avoid PMI if at all possible.

Wholesaling to me is a stepping stone to supplement the income that I already make from my landscaping business that is in its 5th year, and to ultimately use the money to fund my business of flipping houses, which is what I will be doing.