You'll be able to garnish wages up to a certain point, hopefully they are gainfully employed in a stable area that would allow you to do this. 

House flipping requires time, experience, and cost management, while multi-family properties offer stable income streams.

If they dont have a product for you ( and it will cost you probably about half of what HML will cost.. then you will have to start looking at HML.other thing is friends and family or borrower from you retirement account.

You might get more value from a financial planner or accountant if you want a little more help, such as retirement planning.

If not in good health or old, how close to retirement home at $10,000 per month?  

If you are younger and seeking to rapidly build a cash flowing portfolio, if you are wanting to continue 1031'ing into bigger assets, or if you do not have the cash to take down entire deals without financing, leverage makes a LOT of sense.If you are retired (or rapidly approaching retirement with a level of uncertainty or concern about what your post-retirement income will look like), it could make sense to begin paying off properties so that you reach a point where your expected monthly cash flow will exceed what you need to live comfortably after retiring.

I came across this post while searching for some information on how to make your home available for lease for retirement homes. 

I am near retirement from the 9-5 and would like to diversify into rental properties.

Some of my biggest issues finding someone were from the trusted vendor retiring or limiting their business.  

A cash-out refinance typically doesn't count as "earned income," which is the type of income that would impact Social Security benefits, especially if it's related to retirement or survivors' benefits.