The ability to use leverage and reduce taxes in your highest earning years without having to put money into qualified retirement accounts is a great way to build wealth.So - If you own an STR:1.

He's a VA, retired of course.

I have a similar background (but am much older) and did not start growing my own personal portfolio till I was closer to 40 and in less than 10 years I could sell all my real estate and retire if I wanted.

I also have been speaking or will speak with Roofstock, Home Union, Rent to Retirement, and Marshall Reddick.

Most homes have stucco exteriors, which are also relatively low maintenance compared to areas where wood and siding are common. 6) Stable and steady housing market.

My main focus is to make sure my Mom has enough cash to live off of while she enjoys her retirement.

You do potentially get more stable tenants in some far suburbs due to better schools but the rents typically dont proportionately match the higher prices. 

You should consider investing in RE outside your retirement account as well since there are different tax benefits available.  

Of course the co-signer should be significantly stronger in ALL areas as compared to the applicant...usually this is a parent or relative, and they should be well established, with ownership of real estate for years; long and stable employment; no, or very distant, criminal and traffic court records; well funded SAVINGS/IRA's or stock market accounts.

I'm a trucker and retired military.