If I do this in my first year of retirement with no earned income what is the long term capital gains rate I will have to pay.? 

I have been buying and holding a couple cash cow duplexes for 5 years.Duplex #1 Purchase price 26k rent = $1,100Duplex #2 Purchase price 19k rent = $1,050These were my first 2 investments and they have allowed me to do fix and flips which I find I earn much more at a quicker pace.Michael

Yet I don't really care about making interest on my profits or cash-flow and noticed based on research, that a lot of credit unions are acting like banks by giving out loans (other peoples hard earned money).

Looking for a adequate source of income that will allow me to earn and learn more about the inner workings of realestate investing.

If you have say $1m+ that you want to keep out there earning a return, investing in $5k-$10k chunks would be looking at way too many deals for me.  

In addition, you can earn commission from sales to all the buyers you meet while marketing you listings ( and wholesale properties)   Get the real estate license.  

That way you reduce the impression that you may have unduly influenced an elderly person.  

They splash out of steaks, a new grill, etc.And if they win big, they get a new car, etc.If you earn $100k, you spend $100k.People cannot break that cycle of spending everything they have.And despite all these gurus pretending it's easy, this is still a rich man's (and woman) game and it takes money to play this game. 

I have one rental now that I’m considering doing a refi to get cash out and reduce the payment so that the house cash flows currently it is on a 15 year which kills my Debt To Income (DTI) and cash flow.

I submitted a loan when the fees were much higher, but the borrower had purchased a portfolio of properties using cash and wanted some funds to continue to buy properties.Since then, B2R's fees have been reduced, a lot and UW process is more streamlined as they now UW their loans in house.This program isn't for everyone, but it is useful to foreigners who now have access to higher leverage loans and for those who have bought properties using cash or high interest rate loans and want to get cash back.