Lucky for my client, I'm an independent mortgage broker, so this was all with one credit pull, but it did take about a week of mucking about, you can't run the stupid little computer test without ACTUALLY making the loan "live" in their system, and since no one understands what the rules even are, you can't simulate ahead of time. 

First congrats in your new path to financial independence.

However, for entrepreneurial, independent investors among the Bigger Pockets community, we believe there is opportunity to be found in other segments of retail properties that are eCommerce resistant, such as neighborhood strip centers that offer services which can’t easily be replicated online such as hair & nail salons, fast food, medical offices, etc.  

I read that daycare owners are more susceptible to being audited because parents might lie on their taxes. granted it's only 2% chance. 

They are all interest and taxed as regular income independently of the time that you hold them.

On the other hand, direct ownership has brought the type of changes in my life where I can start considering myself financially independent. 

I should caveat this by saying that these are the macro-trends that we follow when investigating markets, but like anything else in real estate, it's a block-by-block game, especially for independent operators at our level.  

Also make sure to engage a PM company to help you with due diligence, lease audits inspection service recommendations etc.  

The only things I would add are make sure you see the place in person and use an independent inspector-not one from the turnkey company you are buying with.

I would get at least one quote from an independent mortgage broker.