Additionally, the HML approved the loan based on the value of retirement funds, and other investment assets, my point here is that my HML lender wasn't just using the investment property to back the loan, it was overall financial health in combination with the value in the investment property.

My wife and I plan to retire in about ten years.

-Did you know someone can lend to you or your business with their retirement funds?

When I had my prior company I accumulated 2-million points that can transfer to any airline/travel, still have almost all of them for retirement travel. 

Cost of living is too high for what you get.2) 10,000 people per day are turning 65 and retiring, and Arizona is the #2 retirement destination in the US.

I was out of state, found out he was a retired lawyer, worked out of his home, didn't need the money.

I am currently a career firefighter in CT and will retire to FL in approximately 20years as I hate the cold even though I grew up in CT.

I hope to retire here so I have made every effort to remain on good terms. 

And make sure to account for the following expenses:1) Mortgage2) Mortgage insurance (PMI or MIP) or FHA Risk base3) Property Taxes4) City Taxes5) HOA (Home Owner’s Association) Dues and Fees and Assessments6) Insurance   a) Property Hazard Insurance (0.3-0.45%)   b) Flood Insurance   c) Earthquake Insurance   d) Umbrella Insurance7) Vacancy Rate (usually 8% - the equivalent to one month a year, or 5-6% if multifamily and/or if experienced, if not use 8%)8) Utilities (you’ll have these if your tenant is not covering them and/or during vacancy)   a) Water § Sewer § Garbage   b) Electricity   c) Natural Gas   d) Propane9) General Maintenance (usually 5%)   a) Upkeep § Landscaping   b) Snow removal   c) Repairs   d) New Appliances   e) Make ready10) Capital Expenditures (usually 5%, higher is the property is old and obsolete, less if fully rehabbed and all mechanicals and roof are new)11) Property Management (8%, even if you self manage, your time still has value and there might be a time when you'll want to be completely hands off or you'll not be able to do it, vacation, retirement, etc.), including...  

How do you retire on your cash flow if the houses won’t be paid off until Youre over 80?!!