'Yes, we want to sell our quad and retire.  

The issue is she never had a retirement plan with regard to these properties (in the sense that traditional stock planning has one shift assets from growth to stability as one gets older).

IE we / developer put in the streets sewer water etc.. and we create a Bond act that is passed by the county.. the bonds are sold to investors.. once the utls are accepted by the county or city they are used to buy the utls our bank loans or cash that has been used to put those in are then repaid or retired..

If he wants to have total control over his retirement funds instead of going through a middle man for every investment and every transaction then he may want to explore Checkbook IRA. 

We have some money put aside and are looking to create some passive income for retirement.

who knows, but I would like to begin framing myself for a very comfortable retirement. 

I did residential back then and just didn't enjoy it at all.I enjoy commercial so much that I see myself continue to do this well past typical retirement years. 

@Ellie Narie I "retired" in 2021 from cash flow.

Rental income is part of my retirement plan, I plan to add about 5 properties to my portfolio over the next 10 years.I have downloaded the ebook, and I am looking to learn from other active investors in the area.

Getting a hard money loan, borrowing from family, getting a partner, early withdrawals from retirement money, whatever it takes to do the deal when you have no other options is ok.