But a creative wholesaler will lock up a property either subject to the existing mortgage or on seller finance (or a combination of both) in a way that would make sense for an investor.

- so that pot might slow down but eventually grow isn't it and company matches 5% which is free money. and also to save on taxes there are ways to withdraw only limited amounts from your 401k just to be under the radar as you will be supplemented by social security benefits too)and on #4 - the way I was looking at is - ex: I had put in for example 100k in my stock portfolio and that now becomes 180k (8 yrs time) and I keep re-investing in S&P 500 or any good yielding ETF or stocks as you said providing good dividends - I am considering that as one of the pots of income) - combining all pots should provide you enough to sustain the same lifestyle)what do you think ?

.- Some combination of all of these.Basically the gist of it is going to be "hey, if only 7% of our loans can be non-owner occupied, let's make sure it's the lowest risk and/or highest profit 7% we can possibly make it." 

Stories1Property SubtypeManufactured Housing/Mobile HomeYear Built1980Apartment StyleGardenOpportunity ZoneNoBuilding ClassCVALUATIONTotal Monthly Rent $10,915Total Monthly Water Charge $1,045 *39 Total Units on water system / only 19 non park owned homes are charged per monthAnnual Gross Rent $143,52030% operating exp -$43,056Net Operating Income $100,464List Price $995,00010% cap rate $1,004,64011% cap rate $913,30912% cap rate $837,200Cap Rate at asking price of $795,000 10.10%List Price of $995,000 for 20 mobile homes (19 currently rented) AND 19 additional water system customers*$995,000 is a ±10.10% cap rate at the proforma $100,464 NOI with 30% operating expense factor arrived at by combination of looking at recent comparable sales, cap rate analysis, and market experience.

Probably a combination of both?

Our thinking is that by combining our financial resources that we would be better poised for REI than if we did it alone.

I’ll take stability (marriage and seven year history with previous landlord) over combined income from three young, single people any day.

Serious inquires only.Would I treat this analyzation as a "single property" by using the purchasing price and all other info as one combined piece of information?

My definition of retirement is having enough income to pay all my bills/expenses without clocking into a W-2.The rentals require management, which I do myself, and if I want to experience more—say travel the world, or buy a nice car or a giant clawfoot tub for my wife—I have to find more cash to fit those things in the retirement budget.As for an account that pays for occasional repairs, if you can find it, there are companies who will give you HELOC Sweep accounts on as many as three properties combined.

I suggest looking for a combination of collects application, credit check and collects rent and has reports.