I have accumulated quite a bit of knowledge from as many resources as I can, but always love hearing some insight from others! 

Would you rather spend less money and accumulate more homes or build slowly and buy in higher priced areas with less margins but much more responsible tenants.

Four years later.My annual profit on these 28 units (Profit being what I get to keep after all bills, mortgages, taxes, repairs....everything is paid) is greater than the total amount that I had in my 401 k before I took the penalty.Yes, that is correct. 20 years of saving into a 401k and four years later i make more per year than I had accumulated in my total 401k.But here is the catch, if you are good at property management and buying the right properties to make a profit it will be a good decision.

Maybe give her a hood fan instead if you don't already have one; that would also deter her from accumulating grease buildup on your walls and ceiling, which can be a major pain to clean. 

Over the last 5 years i have accumulated about 153 single family and town home. (85% Single Family Homes and rest are townhome around Chicago Suburbs)There are suburbs that if I left my car unlocked it a really nice expensive car.

Assuming a $350,000 sale, 6% total closing costs, a $280,000 basis ($200,000 depreciable improvement) and 5 years accumulated depreciation that will be recaptured on sale, I'm seeing a small loss after taxes (assuming 28% bracket), if my math is correct.Regardless, this is a sell.

Investing is building wealth over a period of time.Focus on making as much money as you can with your W-2 job and then dump some money into a LTR over a period of time.Put the money in slowly so you can get accumulated with your network(PM Company, contractor, etc) and then scale faster as you are more comfortable.Then after you accumulate some properties, determine if you can scale back your hours at work to go from Full-time to part-timebest of luck

I accumulate a lot of data as well.

That needs to be withdrawn immediately as allowing interest to accumulate in an escrow account is basically allowing your buisness income being kept in the escrow account, poisining the fruit co-mingling your money with escrowed funds.

I'm using a VUL as a retirement savings accumulation acc.