I promised myself 2021 will be the year I finally do this because I’m close to retirement and want to start a new chapter in my life before that time comes and I really do not want another job.

I've had retired military and non-military in my rental (I'm also active duty) that requested month to month. 

If you're putting all of your retirement accounts into real estate, you are also not diversifying very much.  

I am very conservative in my investing and my goal is cash flow and retirement.

Hello,I am currently 40 yrs old and want to retire by 45.  

This assumes that these are not retirement funds that you would incur penalties and taxes to access.HOWEVER, I would make a detailed budget and identify where I could squeeze extra money out of your cash flow from employment to take down this debt first.  

So, start with your friends and family, then move outside those circles seeking people who have retirement funds and are looking for better returns with more security and less volatility than the stock market.

My brother is a Union Electrician, working manager in California, at $55 an hour plus all benefits and he is ready to retire.

See the following for more on this.https://www.irs.gov/retirement-plans/plan-participant-employee/401k-resource-guide-plan-participants-general-distribution-rules

Although I don't see myself wanting to retire early, I love the idea of being able to live without a job once I have a certain amount of money.Anyway, I just wanted to say hello with this brief introduction, and I am looking forward to becoming part of the community.Tyler