A Supplemental may be possible to take you up to 75% LTV if it's been at least a year since the closing date of the last loan.  

My goal is to buy and hold rental property to supplement my income and have a better retirement in about five years.

You are supplementing with your own funds because you are living in and not renting the other side.

Listened to a podcast for agents and BPO's was one of the take away points I got out of it for supplemental income.Sure it's not big money but $50 a pop is handy for the gas. 

Currently working my full time job as a City Firefighter looking to supplement my income as I work toward retirement.

Will be retiring soon and want to acquire more properties to supplement income upon retirement. 

It is a great way to supplement the income along the way, as when I decided to be a stay-at-home Mom instead of wearing combat boots every day. 

To supplement your income you can also try to flip around 3 homes a year while bulding your passive real estate income portfolio for your retirement.

I have called on 4-5 listings so far, but I'm looking to supplement that.Thanks!

What got me interested in real estate was trying to think of what to do with the supplemental money I was making from a niche affiliate site that I created a year ago, that is making around $2500/mo in totally passive income.