My niche is creating opportunities  for literally 100's of families to make an income on my projects.its the trickle down.. from the home depot.. to lumber yards etc etc..

What percentage of  tenant income do you figure  is needed  to best  insure monthly payments ?

My credit is great and I have additional w2 income as well.

After the period of time the bank requires to start counting rental income as income, do they use your NOI or your cash flow as the added income?

you can use your IRA and your own funds, but no matter what you do it has to be the exact same percentage, so if you invest 50% IRA and 50% own cash or loan..50% of the net income has to go back into the IRA, leaving you the other 50%

That was my strategy and now my only intent is increasing monthly income by acquiring more.

I am looking to acquire property to generate passive income to put towards a retirement plan.  

Its a Triplex with an unfinished bonus room with possibility of making a studio rental.Current Income: $2755Mortgage Expense: $2600Current mortgages total $349K  (1st+2nd)Owner is open to creative financing.  

We have great credit scores and high income.

As oppose to stocks, I know if done right, REI can help bring in a supplemental income and provide financial freedom.