Agent or mortgage broker can both be very lucrative, so I would just pick the one that seems to suit your lifestyle better.

The way to use a 401k is to create a lifestyle where your income requirements are low in retirement (i.e. have a house already paid off).

Owning 100 doors in need of new roofs, new plumbing and maybe some HVAC in the middle of the winter can turn the cash-flow-lifestyle into a desaster very quickly.

I can potentially see future opportunities for that with say a snowbird lifestyle. 

Note investing seems to fit my lifestyle the best. 

Our lifestyle means that local is only temporary. 

To cover a comfortable lifestyle I need an additional 30k in yearly rental income.

If you wade down a little deeper it's a pretty straightforward question of lifestyle vs investment. 

. $60k has already been collected and the other $15k will be collected in another week at most.That being said, a few of my Tenants are in the Gig Economy.One in particular is Canadian and in the Gig Economy.Those who I know lost their jobs, especially where they won't even get a Stimulus check or unemployment, I'm giving them a small rebate on their rent.That will amount to about $2k.So, to put it in percentage, I am sure to collect $73k/$75k = 97.3%HOWEVER, I'm renewing leases without any rental increases this year.So there will be a downside to this as I will absorb the increase in expenses like Property Tax, etc.Over all, this has ZERO effects on my lifestyle.

For example, if you guys value be "free" from the lender and you want to be moving towards an "all cash" lifestyle in which you'll NEVER have a creditor's "due" showing up every month, then that's a pretty clear path forward.If, however, you value scaling to X point, then you'll likely get there faster and easier using leverage than not using leverage and you might find that the $100k is better used with RE investments while you continue to pay a 3-6% rate on your student and car loans.