As others have mentioned, I don't think this is a good idea since it appears that you are risking her retirement income on a venture where you have no experience in.Is her pre-tax income going to be $105,000 after retiring?

If you have the cash and want to venture into buying a separate rental from your primary, I would do that over wholesaling personally. ~ Lindsey

If $200K pre-tax is realistic while doing wholesaling then I would be fully content with it, and I would scale it (I use the word in literal sense, meaning: make my operations grow ever larger, not necessarily Warren Buffett large:-)) from there by investing extra capital and using financing leverages to grow into other ventures.

Start building your network meanwhile by Meetups for Real Estate and also  Facebook Groups for Real Estate in your areaMaybe you can get into a Joint Venture with some one and that can escalate the time to buy  a property

Try a private lender  and a Joint Venture

@Tony Payper If you are open  to Joint Ventures and also equity partners, you will have more options:)

.- According to Built in Austin, defense technology appears to be the leading area of interest for venture capital investors on the Austin tech scene.

Before venturing into this area, it's best to talk with other investors who have been through the program before with their rentals. 

As a dedicated BiggerPockets member and an active participant in various real estate ventures, I was merely seeking to gather the necessary information to explore a potential new business opportunity.

Real estate investment has been a lucrative venture for many people.