I stock pile these items when on sale to use at a future date.

I travelled for my work, and for a few years we lived in Malaysia, and we made a conscious decision to stockpile our miles. 

They could have stockpiled the cash from a legal business and just not reported it, making the tax evasion, rather than the earning of money, the only potential crime.

I do realize the speculative side of my endeavors, I'm lucky I've got a small mortgage left on this triplex, however I have not been in this business long enough to have stockpiled enough capital to step it up to the next level, unlike the seasoned investors that I really enjoy reading here (Wheatie, MikeOh, All_cash, Tim and the others).

But if you have money to pay it down I wouldn't build up a stock pile of money in the bank that earns 0.25% APY when you are being charged 6.5+% on your mortgage.Unless you can find a way to earn more then the % on your mortgage.So you have the write idea...pay it down as you go and save yourself the interest and get free and clear faster if that is your goal.

If you shop at garage sales, stockpile carpet out of homes that are renovating etc... you can make the numbers look better on the rental park.

My issue is this - I have plenty of monthly income to get loans to make purchases, but I don't have stockpiles saved (yet!)

It looks like you are doing well with your present income. you need to stock pile$$$$.

The cashflow provides a nice lifestyle for my family therefore i will continue to stockpile.

If not, then focus on stockpiling your cash while remedying the obstacle to your ability to qualify for a loan (reduce debt, credit score, etc) and/or find a partner to work with who also has cash or who can qualify for that loan.Fifth, just seek seller financing or take over someones payments to buy something.