@Jay HinrichsAlways feel honored when mentioned by name from you.

Every no brings you closer to a yes.With a limited track record you could get a partner on a deal, wholesale a deal until you have enough money to have a bigger deposit, or like @Peter Sanchez and @Alexander Felice mentioned house hacking.Real estate is amazing because you have unlimited options and have to develop the mindset that you are a real estate transactor.Let me know if you need help with anything and I would be happy to help!

As the previous poster mentions a flip without any experience may be a bit tougher. 

I do collect applications on paper tho, for the reasons mentioned above and just send screened applicants the link for the background report.

After he missed rent he mentioned he just got a new job and would pay, after a week, he stopped answering my calls so I went to the property. 

Yes, i forgot to mention that, i plan on having all units leased before refinancing.  

You didn't mention your other bills, like credit card debt, car payment, child care, etc so I'm assuming they are easily payable or nonexistent. 

To reach the goals you’re mentioning of 100k plus a year and beyond will require substantial capital.

Our tax person mentioned that if we move it into a solo 401k then i will be taxed significantly because it will bump me up to a new tax bracket.

If they aren't interested in selling, knock on the next door down or where the mentioned a neighbor may be thinking about selling.Repeat, Repeat, Repeat.Tip..... if someone has a sign in the yard for a car,or boat, or yard sale, etc., start a conversation about that sign first.Hope that helps.Derek Dombeck