@John Gooch: from one software developer to another, it absolutely IS possible to do real estate with a FT job. 

I am looking to buy places to rent, or build my assets in anyway possible!

But you can't exchange for the non-real estate assets of a gym.

Income, expense, asset or liability?

The software *appears* to be the biggest value.

Im not a lawyer but i believe he wont be able to role his money into SFR's because it isn't a like assets.  

@Michael ForbesIf you are not aware yet, a Roth IRA can be invested in real estate and may be a good way to continue to grow your Roth IRA tax-free funds.The rules require Roth IRA assets to be distributed in the following order: regular contributions, conversions and retirement plan rollovers, and earnings (IRC Sec. 408A(d)(4) and Treas.

Which is why you are having a hard time.If it is your first property and you are not looking to do a flip, it is not worth trying to necessarily get the loan under an LLC.Most first time real investors don't have much asset (if any) to protect to be hugely concerned about the liabilities of owning real estates.When you get to a point where you have a lot of assets or significants to protect, you should start to seriously or solely considered doing it under an LLC.Scott Trench wrote a great article, take a look at it.https://www.biggerpockets.com/renewsblog/2015/06/0...

I have most of my money in the market and cash assets, and I do actively manage it because I can do it from work and it does not disturb my coworkers.  

Does anyone have experience with Five Brothers asset managers?