@Michele Zugschwerdt & @Davido Davido Great to catch-up on your thread- and my hearty apologies for going dark :) I've been putting in hundred plus hour weeks for the last few months to produce a quality product to help investors do what I am doing, reinventing the household.

I apologize for the lack of details because I don't want to put too much information out there while we're trying to purchase.

@Cody KaleMy apologies for the delay in getting back to you!

I apologize for not clarifying. 

First let me apologize because I have not reviewed the responses you've received thus far in the thread. 

Apologies. 

Hi everyone, apologies if I’m missing any points here but I am a newbie and looking to get in my first investment property.

I apologize in advance for the length of this post. 

My apologies as i did noy notice that there was a State forum...I guess i have to look better

@Pixel RogueFirst, I apologize as I've skimmed over this thread --- there is such a mix of information...Of course, consult a qualified professional...Yes, you can "convert" your passive rental income into active income so that you can use it to contribute to retirement accounts.