I've got a good relationship with the loan officer mentioned above.

Especially if your my age or a bit older and grew up on hearing the word “groovy” uttered over and over by Marsha or Greg referring to their new pair bell bottom pants on an episode of the Brady Bunch back in the day.

I also heard that podcast when Brandon mentioned that.

I'm not sure the best approach for this last point.Regarding income on the "business" LLC, you mentioned she would earn active income (makes sense), and I couls possibly earn passive income.

As @Sam T. mentioned the facebook groups are a good place for referrals. 

I also see that you mentioned flips?

well this is pretty standard for todays day and age syndicated multi family deal.I think the only issue maybe the refi is not as appealing in a few years with higher rates.. however as stated pretty common set up and common terms. 

I was on what I call the freedom 99 plan as that would be the age I could retire.

I looked at the age and low appreciation rates.

My thinking is that sticking with the blanket criteria will provide the protection of sticking with the numbers and not making “exceptions,” but you may lose out on opportunities for commanding higher rents in the first case or may lead to higher vacancy rates if you don’t adjust down in the latter case mentioned above.