That's a valuable thing.Even if pensioners take a haircut in future restructuring you will still come out ahead.Keep in mind that you can use the pension to secure bank loans on properties. 

Here are some recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/meetSet up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alertsRead Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingCheck out BP Podcasts: http://www.biggerpockets.com/renewsblog/category/podcast/If you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

I am relatively new to the whole real estate business, I have read the Bigger Pockets Ultimate Guide as well as multiple articles of theirs.

Most major metro areas have pockets that are surprisingly affordable, and you might just need to network a bit more and meet some local folks who can guide you. 

Most of the syndicators I know guide to 8%. 

Because of their underwriter guide if the property has 3 units and more, every unit has to have an additional egress, which most property in Philly do not have.

There are so many great resources on here tha tyou can take advantage of.Attend local REIA meetings and connect with like-minded investors: http://www.biggerpockets.com/meetRead the Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingListen to the BP Podcasts: http://www.biggerpockets.com/renewsblog/category/podcast/

If you feel you ned an agent to help guide you through the process then why not? 

How valuable is that?

Always use a warranty deed to avoid any issues with the tittle insurance when transferring tittle.Also, Ive recently learned Fannie Mae allows transfer of tittle to an LLC without accelerating the note...Fannie updated their servicing guide to state:Unless the previous borrower requests a release of liability, the servicer must process the following exempt transactions without reviewing or approving the terms of the transfer:· A transfer of the property to a limited liability company (LLC), provided that § the mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, and the LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).