K fairly new to this website but been investing for over 30 years.

I’ve spent the last 10 years playing in the NFL.

Actually, your question is fairly simple. 

That could be construed as indirectly discriminating against certain protected classes under fair housing laws. 

I’ve spent the last 10 years playing in the NFL.

Also, does Capital expense come into play if you are still working an FT job and able to save a substantial amount each month?

I do not have a mortgage and I have a fairly good credit score.

Even then it might just be better to buy a house down the line unless you are 100% sure you will not move before you can buy the house.Most newbies will do well with rentals even if they aren't the max return kind you see thrown around on BP saving and working towards 3.5% to put down on an FHA house hack should be a fairly achievable goal.

As for me, I'm going to continue playing it safe, or as safe as possible these days. 

That is actually fairly easy these days.