A little about myself, I have a BS in Computer Science but I chose to be a music producer.  

You say most of your money is essentially earmarked for these 5 homes and it sounds like they're not even producing cash flow yet since you state "the rents will be $1600.00 per month" ... not that they are actually renting for $1600/mo.

New inventory, (residential housing) would not be released, even it was fully handed over by the developer, until the banks and property management companies who controlled the new inventory were satisfied that other surrounding buildings had reached a healthy occupancy rate.

People may be more likely to respond to a hand written letter rather than something that is mass produced.

It doesn't make a ton of money, but I've had it for about 15 years and it just keeps producing with very little maintenance or expenses.

Liquidity in this market means less than 1% growth on most of the programs I have seen and is totally unacceptable.While my wife and I's health is good, I intend to make sure this account is fairly liquid and still able to grow at a better rate.

The car could also allow the person to deploy their "human capital" to work at a job and produce a lot of income.

Additionally, if I can get the principle down to 200,000 I can refinance the loan and start producing cash flow from rental income.

I'm just afraid to invest in what are considered to be marginal areas in order to achieve healthy cash flow.

There are several that are great to learn about what top producing agents do to lead generate.