After you file your taxes for 2018 early next year, then present your last 2 years tax returns / W2's / pay stubs / etc. and get an actual pre-approval, since those are the numbers it will be based on assuming your income doesn't change too much before you're ready to buy.

You have to analyze time and return for your individual situation and see what works.

You've posted your return with no HOA fee, no vacancy, no reserves for repairs, no property management and no letting fee....with those calculated in your returns are much lower. 

over 10 years that is a big difference in return.  

Is she okay filing a gift tax return?

@Mike StahlmanFor a return with 4 rentals, it depends how organized your records are.

@Anthony Sumbry Thank you, and i totally agree with you, its just that im in the position of sell now for decent return or keep and hope for more.

@John Warren John—That would imply that those earnings are on the same return as the LLC for the multifamily.

Just don't come back here and whine later about how they pocketed your money when you held it out to them and begged them to take it, yet gave you very little truly actionable advice and contacts in return.

For notes every investor has a different strategy and even calculates returns differently (IRR, vs ROI vs CoC).