I was making $57K a year when I retired and my social security income of $21,600 and the combined rental incomes of $35460. totaled up to $57 K and change.My wife retired in December of 2014 and as part of her retirement she got a one time distribution of $80K in an IRA, in addition to her monthly pension.

It's about understanding how recycling capital can exponentially grow wealth, when combined with cash flow, appreciation, and shopping smart. 

A rarity in modern times. 

Lenders use a combination of equifax, trans uniion, and experian.  

I can count on one hand the number of times I've done it, it's a VERY niche combination that I stumbled upon. 

Is it possible that any 1920s era homes that have been "modernized" don't have an electrical system with a lifespan of nearly 100yrs?

You can do online or in class or a combination of both.  

Hello i have a house which is fully payed off for its valued somewhere between 60-70k is it possible to take a loan off my property combined with cash to buy and if so what is general interest on the loan.

American Family Ins may refer you to their sister company American Modern Ins. 

The combination of higher margins + higher index = Higher Interest Rate.