STRs are also not my game and I prefer to stick with what I know. 

Turning a "SFR 3bed / 2bath with a bonus room" , into a 4 bed / 2 bath with the simple addition of a closet, is one of my favorite value add plays. 

No (institutional) lender will finance 100% of your purchase price as a purchase, all lenders want "skin in the game".

"Getting in" is easy; making money, managing the business, with the increased financial risk of commercial properties is a whole different game. 

Since you already know the metrics in the fix & flip game, this might be an avenue for you to consider.

Talk to a CPA to see how each scenario plays out.A 401K continues to grow in value, but what do you live on? 

@Daniel Cacho I’m 35 years old, have been in the game for over a decade, own 26 doors, run a property management company with 350+ units, and operate a realty brokerage with a small team of agents.

@Chris Seveney @Marcos A Miranda - you guys are playing with fire - https://www.biggerpockets.com/search?

There is a new bill being proposed hopefully eliminating Pmi if that gets passed that would be a game changer .

This is a very different space than most folks here on BP play in from what I have seen.