@Hjalmar De Boer We have a very strong long term rental market in the area are wanting a second home in the area for vacationing and retirement destinations, but they may not be completely ready to go forward with a purchase.

But in general, this can range from three months’ worth of mortgage payments all the way to a year of mortgage payments in cash.You might be able to use retirement funds or a 401(k) savings toward this requirement.

Happy to put in the work upfront, but would want this to be passive income with myself engaged no more than 15hrs per month.3) Invest 10% of my income into the stock market yearly.4) invest 15% of my income into a retirement plan.

In the next year or so I think we will be selling our 2 rental properties and our primary residence to buy our retirement home.   

@Hemanth TammareddiI like 15 year loans so they’ll all be paid off when I’m retired.

As far as the heavy investing toward retirement, real estate is really only one piece of the puzzle for me.

Vanguard or Fidelity are good places to start a Roth account.https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-contributions

I've heard of retirement accounts for self employed people. 

My father is retired and has some capital he would like to invest, so we are keen to start a company soon.

We feel that we could get that money working better for us, investing it in some multi-family, say taking out $50k maybe, but that taxed amount is not fun and that is taking a chunk of retirement away.