I'd enjoy connecting with you to discuss more.

Dig in and enjoy!

I really enjoy being an entrepreneur, and have experience running my own business.

Once you have an FHA loan you are not allowed to have another FHA loan unless relocating a great distance for work.Now that you have exhausted your Low Down Payment Options (Portfolio Conventional and FHA Conventional and FHA) you will need to use a Standard Conventional Loan and put 20% down to get your 3rd Duplex.The sky is the limit...you could continue to buy properties and build an empire or just stop there and enjoy more free time...I have friend who quit his job and just manages his properties now.Keep in mind that this 4 step process I outlined takes time (anywhere from 1 to 10yrs depending on the person) so keep the big picture in mind but don't let it stress you out too much.

Here is a link to a blog post on BP that compares short term rental versus long term.https://www.biggerpockets.com/renewsblog/2015/10/19/long-term-short-term-rental-vacation-home-property/

I want to ski and enjoy life before i'm 60.How do I get there: 401k, and buy and rest. 

I always enjoy them for programming related events. 

I have enjoyed this site for months and this is my first post.  

Some underwriters will require you evidence the unit is vacated by ordering the appraiser back out to inspect and confirm while others will not, I've had both types of underwriters.

Or what if there was a windstorm that caused a neighbor's tree to fall on the roof while the tenants were on vacation and unaware that it happened and unable to notify you "immediately" (whatever that means).