Investing in multifamily properties in Philadelphia is popular due to the city's steady population growth, job opportunities, relatively affordable property values, and solid rental demandPhiladelphia’s multifamily market offers a range of opportunities, from high-end neighborhoods to up-and-coming areas with great cash flow potential.

I got recertified in the military on my weapon every 6 months and without regular practice and in a controlled environment I still had difficulty with the target.It gives many (not all) people a false sense of security, like they're going to pull out their weapon and go Steven Segal on the situation, when the most appropriate response most of the time is to exit the situation (run/hide/etc).There are reasonable alternatives to carrying a firearm that are at least worth considering for your particular situation. 

 You may be able to secure higher leverage financing through alternative lenders than a traditional bank (not always the case) and this may help advance your objective of reducing the down payment/cash requirement but that may only be temporary relief as you will likely pay more over the course of the loan because of higher rates and fees.

San Diego and the surrounding areas are VERY ADU friendly so there are properties with options to add one in the back that are really starting to pop there and could be an alternative option.Take it slow.

The condo’s potential for consistent income on platforms like Airbnb, coupled with the area's growing popularity, made it a strategic addition to my investment portfolio.

We have seen Brampton become a popular city for duplex properties as many of them have basement with separate entrances.

Have you found lenders willing to provide this, or are you using alternative sources to bridge the funding gap?

So the question for her to decide is do I want to continue investing my retirement in wall street or do I want to move some/all the funds into alternative assets like real estate that can far out perform the stock market.   

Agree with @Ian Ippolito 100% based on my experience in fund formation and product development in private alternatives. 

Portfolio loans, asset-based lenders, and home equity lines of credit are all alternatives to traditional borrowing.