Anyway, nice to digitally meet all of you, I appreciate any feedback you decide to throw my way. 

I think one of the hardest things getting started for me was avoiding "shiny object syndrome".

Perhaps a business line of creditloan might serve your objective

I try to get my dad into these site but its just so hard especially for people age over 60 and anything relate to digital world it really turn them off and once again come back to ego.I am not trying talking behind my own dad but sometime i feel fed up with him because it is him that know about property compare to me.

The fact you have a rental locally as well doesnt help and or distorts the case as a second home or primary so I can see why this would be declined.At the end of the day this file was probably structured poorly or perhaps the loan officer did not understand your objectives and put it together, turned it in, and prayed for the best.

Perhaps a digital lock that can be connected to your and your renters' smartphone would be a worthwhile installation.

We want to be objective and fair 

It's very easy to get distracted by "shiny objects" and never pull the trigger on anything.I'd suggest buying a home in an "okay" area for around $20k and rehabbing it to make rent ready.  

Some landlords try to keep some of it, or even all, of the deposit the key if you go to court is what you agreed to, or what seems to be to an objective reasonable person.

@Joe Jackson I don't know if it is something that will work for you, but I wrote about a very passive RE investment that is so far bringing me excellent low double digit returns.