So just seeing what kind of financial advice i can get to drag ourselves out of this slump.

@Rob Brown Your asset allocation should be determined by your personal financial situation.

My main goal is achieving financial freedom as quick as possible.

I would not consider a co-signer/guarantor if the primary tenant's income was insufficient or if they had other unfavorable traits that I thought they would be a disaster tenant living in the unit (like a prior eviction, criminal record, etc.) -- co-signers cannot help those things.

What will you offer the tenant to convince him to make a poor financial decision?

I emailed the agent, and he sent me a financial statement from the room next door, which is identical. 

& get wiser, not doom, stumbles and taking financial hits.

That is to create passive income, be my own boss, not have my son spend more time at daycare then at home because I have to work, retire early, travel and to overall obtain financial freedom!

If you are looking for sellers, consider a campaign to Seniors with Low Financial Stability Scores (FSS)If you are looking for buyers, consider a campaign to high income renters and high FSS.

I would rather wait and save up more money to put down so as to create a cushion making things more financially feasable for myself but knowing people they will always do what they are going to do.