When employees can no longer afford their housing and other living expenses, productivity suffers = profitability suffers. 

That said, you can always refinance to a non FHA product and turn it into a rental...though you likely won't be in any type of instant equity position...

Full disclosure - since I was so angry at all the $$$ thousands of dollars in course slingers out there, we do now sell a product that has all my systems, forms, contracts, marketing pieces, software, motivational audio, interviews with local attorneys, etc... it's under $500.  

I agree with you Bob Okenwa I just can't blindly take what a contractor is willing to bid on materials especially on finished products.

Every bank has different terms, rules, closing costs, down payment requirements, relationship practices, products, and etc.  

I've done my due diligence with regards to finances (paying down non-productive debt, accumulating cash reserves) and have begun reading all of the recommended books per the ultimate beginners guide.I need some assistance in the following areas:Analyzing deals: I have calculator (link) that uses assumptions to determine if the property merits further investigation.

You will pay an exponentially lower monthly payment because it's a a different product and interest is calculated differently.

If you are looking for 2-4 units or even up to 10 units of older product in Covington you have lots of options.If looking for 10+ unit projects their is almost no inventory in northern Ky right now and the lack of inventory makes every offering very competitive.Any decent 20 to 100 unit building will have multiple offers within the first week and we have made full price offers that were not accepted

I'm wanting to find a mentor(s) who are available to teach me how to structure my business in the most efficient and productive way.

Retirement certainly doesn't mean you cease being productive!