It is the owners retirement basically, and the tenants are his longtime friends and he knows we would kick them out immediately.  

I rented my house to a retired military vet, who claimed he knew what clean meant.

They are semi retired, and dont actually 'need' more income than their pensions, SSI, etc...

I take it this is a couple that's retiring or on disability or maybe both.

My approach is different - buy and hold 4-5 SFR, pay them off, self manage, and retire from corporate 20 years early.

Also I understand that this is not a get rich quick scheme I knew someone would say that on my journey to success but for me this is not about the money, wouldn’t you feel proud of yourself if you achieved so much so young and retired your mom watching her smile after all the trauma and hardships?

There a lot of things you can try.Partner up with a seasoned investor who can front the down paymentFind a hard money lenderWait and save up the 20%Pull equity out of your current house as down paymentTake loans from retirement savings and use as down paymentPull together a good enough deal that the bank bends its lending criteriaFind properties that a bank already holds and is willing to finance for youFind owner financed housesGet a part time job to save up the 20%There are many other creative ways to make deals happen.

Considering our market if snow birds and retirement groups do you believe that changes the way you view the market?

You probably wouldn't want to quit your job or risk your retirement on this.

My goal is to retire early and I am in my late 20s.