The reality is most financially independent people went through a decade + of working 60-80 hours a week.

Together with it, i have a mortgage free apartment that serves as financial security. 

Prioritize your financial stability.

Forming a business to protect my assets is an area I need to gain more knowledge in.

By BRRRRing, you can achieve your goal of acquiring four houses with minimal effort and financial strain, allowing you to shift from buying to paying them off.

Dumb Debt also means that the owner takes on recourse debt and personally guarantees it instead of non-recourse debt or other people’s debt (OPD) or cross collateralizes it with highly appreciated assets with low debt to value ratios.

It would be good to talk to a lender to make a game plan and review your financials. 

I'm passionate about real estate and how utilizing this asset class can enable me to build generational wealth and retire early.

If you have gross income of $3k but ongoing bills of $1800 we know it may cause a financial hardship so that reflects in our scoring system.Hope this helps, but in my experience an interview is:a.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.