I retired after 9 years of R.e with 1.6 million in notes at 10-12%.

When you plan to retire makes a big difference also. 

He stated you could use a retirement account as collateral for an unsecured loan.

Anyone buy multiple and have a retirement plan based on it?  

Plus, part of my motivation to B&H is that I am so young that by the time I retire, interest will have eaten away the deferred tax liability on depreciation and the recapture will be very small in real terms.As far as price-to-rent goes, it's a tradeoff with growth expectations.

http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics---Tax-on-Early-Distributions

The reasoning is as follows: Your loan will be large relative to the purchase price (as much as 96.5%); therefore, you will be retiring a sizeable amount of principal with each payment, relative to your (small) downpayment.

You see a lot of them talking about properties they own in their own name and how many more mortgages they can('t) get, about how they're running short of money rather than learning how to build their business entity structure, and how to attract private lenders - folks looking to rescue their retirement accounts before Wall Street goes into free fall once again.Can you support yourself while you learn about business and real estate investing?

If you're a boomer thinking about retiring and selling your California home to move somewhere out of state that's more affordable, here's a comparison to get you motivated:California's Median Home Price: $490,100Kansas City, MO's Median Home Price: $118,400That's make California nearly 4 times as expensive!

Spend the money on the decor - make it "beachy", and then you might have a winner vacation rental for budget-minded families and retired couples that do not mind the short drive to the beach, as long as they can find parking.