A  good w2 job is priceless when you are accumulating properties, accumulating debt.  

I have taken real estate pre-license course and determined that I would like to become investor because of advantages of passive income accumulation on investments and the nature of the real estate business as an investment is much better than the stock market is doing now.

The FHA language explicitly states that the program is NOT intended for investors to accumulate properties.

It depends on your contract and jurisdiction if you can force contract fulfillment or compensation of accumulated expenses in regard to the purchase.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

., more likely to let you survive in this business) to say "I'll budget 50% of the rent for expenses, and accumulate the difference in the months when its less for the months when its more."

My goal is to accumulate properties and have it for rent. 

When you concentrate on rate, it potentially takes you away from some long term goals in the accumulation phase of real estate. 

I disagree that the profit is tax free, the interest earned on the mortgage accumulates within the plan tax free, however when you withdraw the funds it will become taxable.