What is a safe way to do this.

Digital is fine, but you had better have a fail-safe system.

It’s also safe to say that prices in Newark have really only started recovering over the past couple of years (for the same reason we still have so many foreclosures) so it’s probably premature to call an end to bull market.

Use the platform to save up money safely in a monthly manner.

You can steer away from people who may not keep your place safe and clean but not by mentioning kids but focussing on their lacking any other qualifying criteria which you apply UNIFORMLY to ALL tanants that you may consider - all who have applied.

Without medical benefits, you're one broken leg away from serious monetary issues.To keep it even simpler, if you have to ask if you can retire, I think it's safe to say you cannot. 

I'd play that angle, my day job is super safe and secure and funding our retirement portfolio.

I wouldn't count on the payments making you safe.

Similar, it is too conservative in high rent markets (NYC, Coastal So Cal, San Francisco, etc.) and that 40% would probably be safe. 

I admit the $ in the bank is more liquid assuming it's safely under the FDIC insured amount and I can live without it for the 7 days or so the bank can wait to give me a withdraw if the bank chooses to do so.I worry way more about the ups and downs of my 401k than I do my rentals, even though I know those ups and downs don't matter a bit except on the days I buy and sell.