They make you feel like if you don't fit in this perfect box you can do nothing.

This is a perfect situation since they are already rented.The portfolio lenders I have talked to will do 20 year loans with an interest rate reset every 5 years.

I don't know much about Lakeland, but as @Robert Berganza said, it is placed perfectly for large appreciation since it is still considered an out of the way location price-wise for now.  

In our case, we have a few that we know for sure offer superb service, so we recommend them, but are perfectly willing to work with the lender of the client's choosing as long as we can vet them properly.

I'd hate to see him lose out on the perfect home for him based on some false notion.Or is there some basis for his concern neither I nor my QB has thought of?

Gov puts the brakes on it when it becomes too disruptiveOK ... that makes more sense ... if I'm interpreting your statement correctly, you do not NEED more income to retire, but you WANT more income to retire, which is perfectly fine, but I think it is important to clearly demark needs and wants.

Can debt mutual funds be the perfect alternative to fixed deposits and Term Deposits?

It's not perfect, but it is competed, safe, and passes a home inspection and code inspection.

We have a very diverse group of investors and there is always good discussion.Personally, I think London is an amazing market to be buying in right now. ok how do I do that as that would be perfect

Perfect example of why I don't have an auto charge for maintenance in my lease - discourages tenants from being forthcoming about repairs.