You're encouraged to take risks (hey, it's a gambling city), permits are easy, the neighbors mind their own business, and I think you have a real chance of success. 

At this point in the consideration, it is a huge gamble for you and your family.

I'm an IT pro looking to moonlight as a REI and use this to plan out the adventure to financial freedom.Take it easy,Joe

Here is the mathematical equation:Assets x ROI = Cashflow > Expense BudgetHere are the steps:Determine you annual Expense Budget based on how you want to live.Example: $75K/yearDetermine your Return on Investment based on your Risk Tolerance.Your Risk Tolerance is based on how wiling are you to risk losing it all when it comes to your incoming producing properties to where you would have to go back to work.Use a scale of 1-100, 1 = cash in mattress and 100 = I'm gambling the rent money a the craps table.Take your Risk Tolerance # and divide by 5 to calculate your ROI.Example: Risk Tolerance = 50, ROI = 50/5 = 10%Income Producing Assets = Expense Budget/ROIExample: $75K/10% = $750K in income producing assetsFor real estate, Income Producing Assets = Property Equity, not the market value of the property. 

Enjoy the adventure!

I am planning on using my VA Loan eligibility to buy a 2-4 unit in my area to begin my adventure of real estate investing. 

Looking forward to starting this new adventure.

With either route, I plan to invest in buy and hold rental properties to cover the student loan payments.So my dilemma is, is it smarter to refinance my loans at around 4% or take the gamble that the PSLF program will be around for the next 10 years and make the minimum payments at 6.8%?

Not many people IRL care to hear about your real estate adventures, trials and tribulations so it's awesome to have a forum like this where people not only listen to what you have to say but are genuinely interested as well. 

Hey Everybody,In my latest homework adventures, I've run into a conundrum:While looking for deals, sometimes, my software gives Sales Price Evaluations for MUCH less than the sale prices on the MLS.BTW this software says: "Sale Price Evaluation-Approximate selling price of a property based on the annual gross income, expenses, financing scenario and requested rate of return."1.Has anyone seen this before?