I am 47 years old and at this point my goals are passive income at retirement and to get away from this desk at times. 

@Jimmie Perales a lender will need you to have a stable income that you can generate while in Minnesota. 

So I might retire there someday.

Since you're working (probably too hard / much), you're likely to have some retirement funds you could self-direct and become a private lender secured by real property.

Long term, semi retired surveyor thats been in the arena for 30 years- just what are you looking for?

I do not have my own taxes done by them (my guy does not want any new business...he's on his way to retirement) but those two firms are good at investment properties and I do feel comfortable recommending them.  

I am an accredited investor and now very focused on fast tracking towards retirement (or at least a non-w-2 life!).

But similar to what some other have mentioned, that ARV seems a bit low... but I don’t know much about the neighborhood which can honestly be a cornerstone of most big investment decisions; familiarity with the neighborhood matters because some neighborhoods are a bit more stable (generally speaking) while some others have high degrees of variance, block by block. 

They once consolidated through a cash out refi however, the father continued to acquired debt through gambling so they do not want to do it again.They are about 10 years from retirement.

My wife and I are plan on retiring in 16 years before she turns 55 and would only come in USA 4 months a year.