The difference is I retired 2 months ago and I have the time. 

The people who respond are over 70 and looking to retire.

Joe  you mean keep investing or retire?

After borrowing $40K for repairs and due to the fact that I am retiring this spring I no longer have the funds to keep making the payments.

Right now I'm a 4th yr dental student and over my career I want Buy and Hold RE to be one of my primary investment/retirement vehicles but I know that I can get there with leverage faster than by saving up all cash.  

My goal is to have options till my husband is ready to permanently retire. 

My goal in a nutshell is to generate enough cash flow to allow me and my wife to eventually quit our day jobs and provide us enough security to retire in the next 20 years.

Lots to unpack here...In my experience the cash flow is essentially a marketing tactic to push people thinking they will retire within a few short years due to this "mailbox money".

@Bobby Paquette If I was further along in my investing journey I might but right now where I’m at my goal is for that solid cash flow to move me towards retirement from my W-2 so unless there was a huge appreciation play and I could do a quick flip or some other outlier reason my answer at this point in time would be no.

Then, you find one other person to Fund (which could be a person, a retirement fund, a bank, a hard money lender, etc) and you've got the ingredients to a great partnered deal!