It is extremely hard for the average person to afford a standard home, car, and investment property without any debt.

I have 3 properties in my personal name (to get best rates).

So, if you already have substantial sized company...what is your current bank providing you?  

Make sure you have personally spoken with the tenant, maybe since you are new owner they don't know where or who to pay or paid the previous owner. 

As we went back and forth, we saw that the terms the bank or loan gave us were not set in stone.

Any 'investment' can act as a 'retirement'.Roth is great because it is tax freeI personally like real estate also becuase your cash flow is normally shielded by depreciation.I like real estate further because there is less complixities / restrictions when it comes to IRA such as the 5 year rule, year you have to take distributions, RMD, Unrelated Business Income Tax(UBIT).Your goal is to have the best return and the most money at the time of retirement, what is the best way to get there?

Talk to your loan officer at the bank.

So there are no bank fees to buy the property and we are not limited in the number of properties we can do.The seller transfers ownership to us.

I have acquired my experience from working on my personal live-in-flips and building ADUs, as an owner builder and self-performing most of the work.

It's tough for me to answer on a learning curve question I went to high school for architecture and college for construction management and I've never personally flipped a house, although I know how to budget and schedule it.