My goal is to retire within the next 10 years, and I’m looking to build a strong and sustainable portfolio that will enable me to enjoy my retirement years. 

Strong dollar means higher component costs.3.  

I’m also using a 6% vacancy rate, which brings the net monthly cash flow to about $200 and a CoC return of 13.06%.Summary:I’ve created around $50k in equity (difference between ARV of $200k and total investment of $155k).I’ve got about $10k or $18,385 left in the deal (factoring in closing costs).The cash flow is healthy, and the CoC return is strong, especially as a first-time investor.Questions:Does anything look off or could I improve the numbers?

But if real estate investing is your priority, it’s important to consider all the costs and timelines before committing to an IUL.

In short, there are select cases where an experienced investor with a strong network can turn deals with low cash, but someone trying to get started with $10k-$20k is going to have a very hard time. 

(if the buyer wants a more solid commitment)Once a buyer has spent money they are somewhat vested in buying the property and that gives additional negotiating power to the seller.

Will make this pursuit their full-time job for the next several years, and commit whatever they have, aside from a suitable personal emergency fund, to the thesis.  

Cash flow is difficult here in California, and so I'm looking for opportunities that have strong appreciation and long-term growth opportunities with strong tenant bases to complement my long-term investment strategy.I appreciate any insight and stories.

You're in a strong position with capital and a solid plan, but to scale next year without over-leveraging, consider the BRRRR strategy to recycle your capital.

Hi Aaron - check out our lender page here on BiggerPockets - you can see info and a long track record of strong reviews: https://www.biggerpockets.com/business/page/49Also, sharing links to the 10-Part Article Series we published here on BP on everything you need to know about DSCR Loans - we are fully committed to transparency and providing info/guidance to the BP investor community!