Thanks @Tom Weglarz I had spoken to my lender she said the appraiser goes what county record shows and that is 5 units even though physically it's only 4 units.

I  RARELY FIND ANYONE within NYC itself, so it's more difficult to connect physically with people, but I would love to connect and add value to those who are on the same path as me or already there or we could just build rapport over some ice coffee with people who are in the area and talk Real Estate 

They approved an ESA verification from an OOS doctor who had never physically seen the tenant.

In my opinion, real estate for cashflow purposes is for those folks with massive wealth who just need a place to store their money, but then again I may be biased because I'm pro business franchises or any other business for that matter that nets 20%+ as I myself am 32 with time on my side, maybe in my 50 -60s, I would consider paying down debt to increase my cashflow as I may not be able to physically grind 12+ hour days like I do now?

I've bought property without physically seeing it (except on the closing day I drove there), and haven't had any issues. 

I definitely have quite a team on my side, my aging parents need to slow down physically with construction but the vast knowledge they have will be crucial for my start up.

I have researched the area as much as I can without physically going there so feel free to chime in with any advice or recommendations.

@Joel O. even DSCR loan require whats called a warm bodied guarantor aka a physical person, to guarantee the loan will get paid.As far as removing your personal name and replacing title with an LLC, its probable but like I said, not all DSCR lenders report to credit, but some do.

You would then make contact with the IRA holders (digitally or physically) and invite them to an in-person event like a lunch and learn (at your expense) where you then lay out for them (over free food and sometimes drinks) why they should invest into non-correlated markets like the whole-loan mortgage space. 

Life insurance is kind of redundant if I have physical cash flowing assets.