@Paige Gardner it depends on the person. hml are my last resource, it's a option for sure. 75% too high for me. that's the game for them, that's how they make its money. don't take it off the table but definitely explore ur options. 

Quartz is a little tricky, but for the most part, a slab of Calacatta will cost somewhere around $750-$1,250 depending on the grade and thickness.

i think its the easiest asset class to understand that isn't stocks and a lot of peoples livings depend on marketing how perfect it is

I  Income:  The amount of property you can buy will be dependent on your Debt to Income ratio.  

The question is mostly a personal financial planning question and it depends on your preference and what balance of risk and access you'd like and would be comfortable with.

Depending on the class of property and types of tenants you have, they may not take lightly to you going in and blocking off their thermostats or installing electric heaters to bump the cost of heating into their electric bill. 

I depend on another department as well for answers and I too have to wait," and then asked if I would "be open to an installment of a partial payment?

Whether or not a passive investment in a private opportunity works for you depends on many things. 

It all depends on the market, economic conditions, seasonality. 

The Greater Phx market has many avenues to explore, depending on your goals.