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I have several problems with this model, the main one being the vendor rebating 6% in the first place. I appreciate that there's going to be selling costs including a marketing budget in any real estate sale, but it's not 6% which suggests that you're not purchasing at market value. Regardless...

It's also fair to say that anyone who starts their own business is probably going to be unable to obtain finance for at least 2 years (at least on the basis of the business income).

Every BA I know personally has a well established portfolio for themselves. What makes you think they don't? Having a decent portfolio isn't an instant path to a comfortable retirement, it's more a long term investment, not instant gratification. A BA might have one or two properties, they...