I see 3 issues, financial, emotional, professional :Financial - The CARES act has provided unemployment benefits and supplements on top mostly.

Move in with a relieve and sleep on their couch for free (or $100 a month) as long as you can, and help out around the house as needed.Cut the grass, cook dinner now and then, fix the washing machine when the belt jump off, etc...If out have to eat out, eat at Taco Cabana (or similar good nutrition for cheap price) and always get the specials--no soda just drink free water.Get a second job or  temp job and work as much as you can and save up more than the needed next down payment.Do not spend money any new things, just save it all.Maybe a year or so of that will put you in CASH positive situation.Cash is King--Get Some--and get free,Good Luck!

And then extended to 'how will I supplement retirement?'. 

@Will Fraser I’ve dabbled with the idea of focusing on a VRBO property to supplement my cash flow issue.

Recently I’ve been catch a ton of flack on this forum for suggesting things like:1) Maximizing leverage while carrying hefty reserves.2) Buying for appreciation in western markets.3) Buying properties that barely cash flow (for appreciation) and following each up with a STR to supplement cash flow.I feel like the general vibe is hesitation.

Our future goal is to have cash flow income but we heard and read that at the beginning we might need a quick income to supplement our savings first.

I have a seller right now that needs to get out by month's end and I could use some guidance to get the deal.My short history-To supplement my J.O.B. income, I have built a new home and rehabbed homes while living in them.

Great way to supplement your income.

I think it would be safe to say that this was a bad investment and hemorrhaging monthly cashflow to supplement the mortgage would be a poor idea in the long run.

Of course remember to screen the actual leases and maybe even bank statements to supplement when you do receive them!