A typical goal break down might look like:5 yr goal3 yr goal2 yr goal1 yr goal9 month6 month3 monththis monththis weektodayHere's a link to a Bigger Pockets podcast episode that might help.https://www.biggerpockets.com/blog/biggerpockets-podcast-307-science-setting-achieving-big-goals/

It’s a good paying job so I guess we could really save and keep investing to keep buy multiple apartments to achieve financial freedom.

Living in Palm Coast and being a Realtor in this area I can tell you first hand we have no 4 unit homes.  

Assuming you have some purpose to do that, it would make sense to determine if it will achieve the goal you have.

This is achievable by purchasing the right properties for the right and/or purchasing properties that were neglected for a low price and you can do improvements and increase the rent.Sometimes, it is better to park your money and do nothing until you find the best deal.Here are two youtube videos I made for analyzing.

@David Desousa an FHA loan only requires 3% down, so it might be more achieve-able than you think.

What does financial independence mean to you and how are you planning to achieve it?

A high level of risk will focus on the ROI of the deal/property, with the understanding that you can achieve a high ROI even with a modest or low Cap Rate.

And this almost always works out just fine.Almost being the operative word there - an LLC provides protection that can't be achieved with insurance alone. 

I'm sure the idea is that only a very low percentage of people will be consistent and achieve whats possible, but that will benefit everyone.The problem is when I pressed for more information I got the run around sales talk.