I retired from law enforcement in 2022 and moved from Southern California to Boise, Idaho. 

Both products are no income and no doc .

With your steady trucking income you probably can get an FHA loan on a four-plex with very little down and live in one of the units.

It is currently lower income.  

Not enough cash, the dream isn’t the dream, divorce, death, no retirement homes, severe ailments, grandkids want you back.  

My current income is around $60k a year with limited time off per year and 50 hour weeks.  

There are conventional loans with 5% down as well which when your value increases or 60 months pass the mortgage insurance can be dropped.Student loans even if deferred are part of your debt to income ratio but the income from the rents on 1 or 2 extra units can offset.

😀What monthly income do you need to be financially free?

I'm currently a professional making around $400,000 (W2 income). 

I can't figure out how it is possible to get income out of a rental property if it seems like the PITI alone is going to be more than the possible rental rates.