(I make about 40k a year and have pretty good credit, and my wife is still building a clientele with personal training and nutrition) I really wanna get like a duplex or quad but starting out I can only seem to find 500k.

If you're just trying to supplement your income, do something a little more hands off.

I'm looking for some two-way dialogue and unique perspectives to supplement the reading and research I do on my own.

Targeted and personalized direct mail campaigns with supplemental follow ups are a great way to source deals while keeping a good ROI.

You have your rental properties supplementing your income which gives you flexibility. 

I am 50 years old and have decided to get into rentals to supplement my income and possibly retire at 60 (any earlier would be icing on the cake).Is anybody else in a similar situation?

Eventually building a second source of income for myself semi passively to supplement my current job.  

Are you looking for long term generational wealth or just some side cash to supplement your current salary?

But first here is the financial situation:I have my money in several "buckets":1) Cash: 25k2) Roth IRA: 50k3) Trad IRA: 45k4) Roth 401k: 20k5) Trad 401k: 0I'm looking to BRRRR in Baltimore and I'd like to get buy in cash, likely supplementing my funds with private lending.

Are you looking for long term generational wealth or just some side cash to supplement your current salary?