The ability to do what you want, when you want, and have money coming in to support that.Things to work on: savings, credit, going to local real estate meetups, listening to podcasts, reading books.

Who is vetting the buyers and calling the lenders to confirm financial ability?

For many investors, an LLC acting as a Holding Company is going to offer the ability to manage the entity simply and provide limited liability protection.

. - Americans only first lien 30 year mortgage with 24/7 draw ability 24/7. - The only first lien mortgage in America that recasts interest every time you make a deposit! 

This in return has been affecting my ability to secure a recent refinance I attempted with a renowned bank.

There are all rules you need to follow and many towns are limiting the ability to do this now.  

Recently, NYC Council has passed a bill, the F.A.R.E. act,  that shifts the brokers fee to who ever hired the broker (Usually the landlord).

What you are chasing is time freedom - the ability to do what you want when you want because you have the foundation financially to do so.

And I do this without parental guarantors. 3) ABILITY TO RAISE RENTSRaising the rent $100/month on a family is a big deal.

ability to use the whole amount and how so ?