If not, index funds are a better play IMO.   

I'm unfamiliar with the process however so not sure if these will apply in this scenario, or if s8 will play a factor.

As far as consumer debt goes, I don't play with cars or cc' s or any of that. 

@Jon-Michael Cortez-Alonso not sure how this will play out for you, but every legit lawyer I have met won't touch wholesaling...attorneys only get one license and when you knowingly draft docs that will be used to mislead consumers and ultimately result in brokering deals without a licenses...well...There are probably a bunch of bottom of the barrel lawyers you can connect with to get the docs you need.And yes, brokering deals without a license is illegal in nearly every state in the country...

If you are absolutely, deadly, defiantly committed to executing on your vision, you must show up every day.

Although relators tell you people buy houses year round it is an advantage to sell after the holidays at minimum and not in the dead of winter in Wisconsin.   

Start an eviction process as soon as the tenant default, best case scenario you work out a deal and drop the case, worst case you move forward with the eviction and you didn't lose precious time trying to make things work (guessing you're in a C-D areas of Detroit, tenants are well aware of the process and like to play the watch to stay in the house for free as long as possible), navigating the courts since covid is a lengthy process so the sooner you start the better. 

The big question is it worth it to get into the 12 unit building for the long term play of holding for retirement passive income or not pursue it and and try something else that may or may not work out.

I was going to play it safe and stay local in my Tampa Bay market, which means the cash would be a down payment for a multi family property in my area since everything is so expensive (also rents aren’t amazing, 1% rule doesn’t apply in Tampa’s market).I am now tempted to try an out of state market where I can use that cash to buy a multi-family property outright and then cash out refi to buy another multi-family.

You can't win if you aren't playing your cards.