I am very interested in purchasing my first property, which ideally would be a three or four unit.

We are looking to refinance the units, to pay off the construction loan, and ideally take as much of our cash out as we can and still cash flow.

., etc.Depending on these types of factors, what makes sense for one person might not make sense for another person...for instance, a person who has a net worth of $10k, and who has $10k of credit card debt is probably over-leveraged...but a person with a net worth of $1 mil who has $10k of credit card debt is probably in OK shape (I say "probably" because there could be other factors in these peoples' finances that could change our assumptions--for instance, if the millionaire had $5 million in auto loans for exotic sports cars, they might be in trouble).Context is everything.

I use iaqualink and turn off the pump in the middle of the night (auto of course) 

It ideally should never be the sole source of retirement income.

I might become an agent but it doesnt sound ideal.

That is there because there is major water flowing from somewhere.It needs to be sloped to the left or ideally crowned and graded.

What I mean by that is YOU define what business you want and who your ideal client is.I have a system that says I want XX client.

Study your local market first and foremost, as investing in the area may be more ideal than investing out-of-state until you get more comfortable hiring a property manager and delegating more of the responsibilities to others.

Small MF is really based on the value other investors are paying for similar properties, ideally duplex's, close to yours, with a similar sq/bed/ bath.