If we're talking in the sense of "traditional," investing with traditional financing means then yes there is no more 10% down.However combining creative with traditional investing can often times allow you to put down 0% and even end up with cash back, cash flow, and a property.

This question is aimed particularly at seasoned investors near or at retirement age or investors who also are certified financial planners:Once you reach retirement age, what percentage of your portfolio reasonably should be in real estate vs. a traditional IRAs or other financial instruments? 

The benefits are that you have 1 policy for all of your rental properties, premiums are lower and there is better coverage because it is a commercial policy and covers more than traditional residential policy used by many investors.  

My understanding is it would be refinanced with a traditional lender?

Of course, within notes there are easier and more difficult approaches such as buying up performing notes from an investment provider (turn-key) to shopping for discounted, non-performing notes.In a perfect world, one would create a portfolio that has a nice balance of different properties and notes of various types in different markets to achieve diversity - as well as perhaps some traditional equities/funds, maybe some precious metals as a hedge, etc.A budget of $100K could most likely be placed into one or two key investments.  

The lease is a traditional lease agreement you would typically sign to rent an apartment.

Traditional real estate investing wisdom says to go with debt, in the spirit of using OPM.

When you apply the numbers, you can compare the financial benefits between a program like this verses a traditional buy and hold property.

Fortunately, I've learned a lot and am now trying to put all the pieces together.Due to current situation, I've targeted Mobile Homes (have been following @JohnFedro) and straight wholesaling of traditional homes.Any advise on which to focus on?

I also went with a synthetic roofing underlayment that is supposed to be stronger than the traditional 15# felt.