We also have an accountant that we work with frequently and have formed a few good connections with investors and some local banks.

If you hold your investments in LLCs, you may be subject to the $800 annual LLC fee in CA, even if you don't invest in CA, simply for just being a resident of the state. 

(b) (1) Except as provided in paragraph (2), this division shall not apply to a depository institution, as defined in Section 1420, a person licensed pursuant to Division 9 (commencing with Section 22000) or Division 20 (commencing with Section 50000), a person licensed pursuant to Part 1 (commencing with Section 10000) of Division 4 of the Business and Professions Code, a person who is subject to the Karnette Rental-Purchase Act (Title 2.96 (commencing with Section 1812.620) of Part 4 of Division 3 of the Civil Code), or a trustee performing acts in connection with a nonjudicial foreclosure pursuant to Article 1 (commencing with Section 2920) of Chapter 2 of Title 14 of Part 4 of Division 3 of the Civil Code.

@Ben RandallI have a few thoughts on my 2 cents on the subject...

We also have an accountant that we work with frequently and have formed a few good connections with investors and some local banks.

., Notes, land contracts and/or any other debt or obligation) more than 10 (ten) 1-4 unit financed properties, including the subject property and the Borrower's Primary Residence, provided that, when the number of 1-4 unit financed properties (including the subject property and the Borrower's Primary Residence) is greater than6 (six), the Mortgage must:o have a minimum Indicator Score of 720 ANDo 8 months of the monthly payment amount on each additional second home and/or 1-4 unitInvestment Property that is financed and on which the borrower is obligated.

Ask investors near you as I'm sure they will have someone they use frequently. 

The subject property is located east of Harrisburg, Pa. 

Wealth is a subjective term, it doesn’t always mean a pile of debt-free money, and is differs from person to person.I’d suggest you and your wife spending some time to understand what your “why” is and how different investment vehicles align with that why.Always here to help.

Maybe a “subject to” deal with some money up front would work?