I have 3 properties in my personal name (to get best rates).

I personally have never seen that, but I’m only one person.

Who should that person be?

Make sure you have personally spoken with the tenant, maybe since you are new owner they don't know where or who to pay or paid the previous owner. 

@John Cardinale I meant that you can use a hard money lender that offers DSCR products, as traditional lenders do.

Don’t waste your time with the large banks, you’ll never get to the right person unless you operate a hedge fund and are going to buy hundreds at a time.I found small local banks work the best.

Any 'investment' can act as a 'retirement'.Roth is great because it is tax freeI personally like real estate also becuase your cash flow is normally shielded by depreciation.I like real estate further because there is less complixities / restrictions when it comes to IRA such as the 5 year rule, year you have to take distributions, RMD, Unrelated Business Income Tax(UBIT).Your goal is to have the best return and the most money at the time of retirement, what is the best way to get there?

Apology:By the way, I spoke personally with the seller about it at DME.

This is not to say you can expect an Agent to catch everything and we are by no means inspectors or contractors, but anyone helping you purchase a rental property should have a basic understanding of rental standards to put out a good product that will attract a good tenant. - Lastly, if you are looking at real estate as a long term buy and hold strategy, you have to look beyond just cash flow.

I have acquired my experience from working on my personal live-in-flips and building ADUs, as an owner builder and self-performing most of the work.