(I work for a tech company in RTP)... but real estate investing will need to be part-time for me until I retire.

When interest rates increase, what happens to retirement accounts?

Planning to retire in 10 or less years at age 40.

@Bobby Hughes,I'm not sure what your options are with an annuity that has already been established, but I would ask your financial adviser / annuity account representative if you have the option to convert that annuity to another form of tax-deferred retirement account. 

Our goal is to acquire a few properties a year with an overall goal of around 20-30 properties and $100,000 in annual cash flow by the time we retire in 20 years or so.  15-18 years from now, we hope the cash flow will cover the kid's college expenses. 

Oil is still weak, Boomers are retiring debt and Millennial buyers are not out in force yet.  

so I am relatively new to the site and I love following the stories.My father and I are looking to help make him some extra money so he can retire early as well as set me up for the future.

I was only familiar with collateralized debt.So when I was lamenting the fact that I could not get money for more homes an entrepreneur friend said, “call the bank and get a signature loan”.Having never heard of this before, I called, and sure enough, IF you have good credit and income, a bank will give you $25-150K just for your signature…to go buy cars, pools and pay for stuff you don’t need.Or, you can use it to buydistressed real-estate.So, here’s where it could go bad.Don’t be stupid.Have your exit strategies.Then execute.My typical deals look like this:HUD/Homepath/VA forclosure wants $41K for a home with an ARV of $65-75K.Let’s assume it needs $10K.I start my bidding ridiculously low, so $24K, but eventually get it for $28.5K.I use “cash” and close fast and get it rehabbed in 2 months…could be faster, but that’s the average.Immediately after I close, I am looking for ways to collateralize the debt…ie REFI.Because right now, I own the home OUTRIGHT, w/ no liens.I do have this other debt not associated with the home and I want to pay it off ASAP before I have to make my first payment.I can 1) use a portfolio lender (typically 80% of receipts, then I retire the rest of the loan w/ my cash).2) Wait 6 months and use traditional financing where I have the possibility to getting all of my money out of the deal since they go off of appraisals, not receipts, typically 75% LTV.While I wait 6 months, my payments on $35K are around $500/mo.Home rents for $850, so I can do this and still pay the bills.3) flip the property to a new home owner and make 7-10K after expenses or 4) do nothing and pay the house off in 7 yrs w/ the 9% signature loan.I hear of people using hard money and the expenses associated, but for the smaller deals like these, IF you have good credit, they don’t make sense.Thoughts?

I'm retired USCG and wish I had kept several of the houses we have owned over the years.

In 2015 I will retire from my 9-5 and plan to do real estate sales and investing full-time.My primary interest are acquiring single family homes, which I rent out.