The remainder is primarily in annuities, bonds and cash related vehicles. 

The cost to repair your vehicle, and perhaps the other person's car, will be WAY MORE than the cost of the insurance premiums you saved by not having insurance. 

Multiple vehicles of storing money; fixed income, equities, crypto, alt investments, real estate, etc.What avenue makes the most sense for you to get into real estate?

Remember, the most successful investors often understand and use multiple investment vehicles.

Long term buy and hold RE in good locations is probably one of the lowest risk investment vehicles IMO, similar to blue chip aristocrat stocks except even less risky because even long-established companies can go out of business but real estate very, very rarely ever goes to zero. 

What kind of account or vehicle would you suggest to start saving down payment money for my first rental property?

View cash flow as necessary to cover expenditures and meet debt coverage ratios in order to obtain favorable financing, do not view cash flow as a vehicle to cover future down payments. 

Quote from @Mary Jay: Quote from @Jay Hurst: Quote from @Mary Jay: hi guys,so I have a lot of equity in one of my rentals but the interest rates are super low on it. so I dont want to do a cash out refinance on it because I dont want to lose the 3% interest rate on it.I want to get some cash out of it via Heloc or another vehicle,  so I could buy another rental, but its not my primary, so I cant get a HELOC on it from lots of banks....I think PenFed does helocs on rentals, but because I have more than 5 rentals, I dont qualify for their HELOC loan.IS there a bank that would give a HELOC/cash on a rental?

There is not much tax advantage to buy property in that vehicle especially at an accumulation stage.

Nor do I look at real estate as my only vehicle to be able to exit the rat race.