While you may find a single planner that can sufficiently model your retirement cash flow needs, you are likely to find that a whole lineup of planners / advisers can best serve you in sourcing the broader spectrum of alternative asset classes.Due diligence and sourcing is simply a bottle neck for anyone.

  $500 per month cashflow helps you ensure you don't lose the house, but it's difficult to get RICH off of $500 per month--that's where you need appreciation...ideally, you want a portfolio that provides sufficient defensive cashflow, with enough offensive appreciation to allow you to hit your wealth building goals.Good luck out there!

So, depending on what properties cost in the land of Bucky (My neighbor played hockey at Bemidji), you may or may not have sufficient capital for rental property investing.  

My job is based in Dallas so that’s sufficient for buying it as my primary residence with less money down provided I rent out my first home.

@Mary Simic I've walked through a few of their builds, the quality is easily sufficient for long term rentals.

Depending on your income your DTI may be sufficient to support you primary home and a second home. 

Hard Money lending is more expensive, however it may be necessary to use if you do not have sufficient funds to self fund your purchase and rehab.

Many DSCR lenders say they will do short term rental loans but will want to underwriting with traditional market rental rates which often times wont be sufficient to approve the loan.

If you find a 3-4 unit, you can still use FHA, but the property must meet the self-sufficiency test. 75% of the rental income must exceed the monthly mortgage in order for the building to be self sufficient.

Just a heads up, with 3-4 units, you'll need to pass the self-sufficiency test.