@Glenn McCrorey the last time I went in a bank and mentioned your name, I was quickly escorted out by security!!

They were not made to serve as weight-bearing floor joists for an attic converted to living space.

18 USC 1344 - Bank FraudWhoever knowingly executes, or attempts to execute, a scheme or artifice— (1)  to defraud a financial institution; or(2)  to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.

We do not currently have the funds to absorb a failure of the heating system, but there's enough income to budget 10k annually for capex and still hit a 10% cap rate, so it's something we could remedy within the first year or two.I reached out to a business contact and asked if he would secure contingency funds in exchange for a percent of AFFO (basically, we'd pay him a portion of the income in exchange for the right to use him as a private lender in the event that one of the systems failed before we replaced it).

The ceiling joists will not be strong enough to put additional weight on.

We installed a security camera and she’s flipped us the bird twice today.

I worked mostly with middle aged clients who struggled with general health and weight loss.

this will keep you out of the hood this will give you a nice shot at safe secure investment.. and maybe god forbid some gambling appreciation.also will tend to have better schools and because your buying right at or close to the median you actually have people buying homes to live in as owner occ which stabilizes the area and keeps the thefts down. when you buy at the bottom of the median or 50% of it or less.. what does logic dictate.. same with rent.and if your sitting on the west coast not really knowing or in Sydney or Hong Kong.... quality of tenants does not move DOWN exponentially with values and rent rates.. it does the exact opposite it get riskier and riskier.

You didn't ask about this, but be careful with putting private info like SSN in them, they are not very secure.

I would not view this investment as a "retire early" but rather a secure investment for your older years.