Being content with working in the landfill and telling myself that it could be worse won't allow any room for growth.

I ran the BP Rental Calculator with the assumptions:Vacancy: 10%Repairs & Maintenance: 10%Capital Expenditures: 10%Property Management Fee: 10%Annual Income / PV / Expenses Growth: 0%Sales Expenses: 0% Having never bought a unit, I could definitely use any insights into the assumptions for this area.  

Still contribute to a retirement plan go continue to grow the funds for retirement but maybe cut back and use the other funds for investing in real estate.

There's a wealth of vehicles out there from essentially no payment in exchange for total security (bank savings accounts, treasury bonds) to high yields but significant risk to principle (aggressive emerging market growth mutual funds, i.e.).

A few months ago I decided to focus on multifamily to continue to my growth in buy-and-hold.  

I am looking at how much homes cost, home vacancy rate, median income, growth trends and timeline before I have capital to be able to buy my first buy/hold property.For now I am looking at homes in Greenville Tx, and Sherman Tx because the proximity makes sense for someone wanting to have lower cost rent and willing to commute around 45 mins. 

The college is in a town that is outpacing the state for growth, so I expect appreciation over the next several years.

Future projected population growth?

It allows for faster growth vs using the majority of your LOC for the total purchase. 

I think the growth we've been seeing in Sac has been more centralized around areas closer to the heart of the city.