Cost of living is remarkably low here, so whatever the retirement income is it'll definitely stretch far. 

Experienced mentors are often not willing to meet and teach not because they are jerks or egotistical, but because they are stretched thin with responsibilities and can't afford to do that.  

Stretching Rent/Income and DTI ratios (see decrease in HAI).

I sucked up as much overtime as possible, working a stretch of 84 days straight with 8 weeks of 12 hour nights in there.

This means that their resources are stretched and it's up to us as clients to keep the more strongly monitored.

It will continue to eat your cash-flow and limit your borrowing options and stretch your rat race time out. 

They may be more apt to lend you money if you already own the property, but then you'd have to pay closing costs, which may be more than the financing costs associated with a credit card or personal loan.  5. stretch the repairs out over a period of time and DIY, paying cash along the way.  6. any combination of the above.Again, only you can determine which is the best option for you, depending on your situation.

I see your points and I won't say your wrong they do seem like a stretch to me (with the exception of the bike loaned or borrowed which they should never allow.)

Your model, as conservatively created, suggests this as the logical conclusion, and that's not a problem with your math or your thinking by any stretch. 

If it is a stretch, start with a well managed, rehabbed single family and work up from there.