My goal is to rent it out and then in 3-4 years allow my mother-in-law to move in as she is wanting to retire in the area.

They declined my application after a week of review, citing that "Non-retirement accounts cannot hold retirement funds".Can you please let me know your suggestion here?

Maybe they just wanted to retire even though they were making good money?

I've been retired for years now as a full time LP.

Rental 1 - Cash flow Breakeven - rate 3.875% - 20-25% equity (not looking to refi)Rental 2 - Looses about a few hundred a month - rate 9% looking to refinance soon to 6.9% but debating on waiting until rates drop further - 5-8% equityPrimary - currently at 7.25% waiting to refi to 5.5-6% - about 5-10% EquityMy current net worth breakdown is approximately...Real estate 39%Cash reserves 7.5%Brokerage 30%Retirement 17.5%Other 6%

I'm working towards retiring early, and managing my properties will be my retirement gig.  

I opened Fidelity's non-prototype retirement account and funded it.

I come from the Financial Independence Retire Early (FIRE) community and have already reached my financial goals.

Semper FiCongrats on your retirement!

it was a retired TWA pilot I used to golf with in Napa that called me that.