I'm retired, the kids are done with college [payments are done] and I'm relocating to Florida to protect my pension.

I provide a bank savings account at a bank nearby the properties for them to deposit their checks/cash/whatever.  

Only about 5 months ago a got a good job instead of part time construction jobs so I'm just now able to start saving money. 

If you close your loan with the title company you used last time, they will probably be able to give you a reissue rate on your title insurance to save you some dollars as well.Good luck

Would the option of using your retirement fund (401k, IRA, ...) as an option for funding a deal be appealing?

Work on getting that credit up, building your savings, looking for a house hack, work in the real estate world, continue to learn and share your successes with your friends.  

Michael or Bob at Swaine & Harris P.A. is likely the best firm in FL, they cost a bit more up front but I highly recommend them because you'll save a lot of money on the back.

So if your higher salary from living in a high cost area offsets the higher housing price, then the necessities of life are only incrementally more expensive...this allows you to have more money to save and invest, or pay down college debt quicker etc.

When you are ready to retire is the better time to focus on mortgage free rentals.  

Our goal is to increase our net worth, to help supplement retirement income down the road and to currently provide a stream of cash flow to enjoy some of the finer things in life.We both work full time in professional careers and have so far found a way to manage careers and the real estate business while keeping up with two kids (15 yrs & 20 Yrs old).