I use money I've accumulated, no joint funds.

You are getting hit with taxes + 10% penalty for early withdrawl, plus it will take that many years longer to accumulate those lost retirement savings.I would get a job at McDonalds before using retirement funds to live off.Of course that is just my opinion.

A  good w2 job is priceless when you are accumulating properties, accumulating debt.  

Currently, we are in our second purchased house, and have accumulated a good amount of equity again.

I have taken real estate pre-license course and determined that I would like to become investor because of advantages of passive income accumulation on investments and the nature of the real estate business as an investment is much better than the stock market is doing now.

The more knowledge you are able to accumulate the better informed decisions you can make.

The FHA language explicitly states that the program is NOT intended for investors to accumulate properties.

And you cannot just step in and resume making payments, but rather would need to pay the entire amount off plus accumulated interest and other fees. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.