BiggerPockets

Look into strategies like owner financing, wholesaling, shortsales, etc. All of these strategies will allow you to purchase properties without using credit or money down. They can be very low risk and very profitable if executed correctly. Search the strategies listed above on this site and find out more from other posts. There are so many options for you and the information you need goes further than this reply. Always remember that the number one thing that you need is tenacity! Never give up. This can, and will work :D Good luck.

With 90k coming in, can you find a way to live on 70k or even 60? Putting 20-30k aside your first year and using that as your start up funds?

If you are looking to break away from the 9-5 in a few years how do you plan on replacing your monthly income?
Cash Flow? Rehabs? Wholesale?

I think Jake and Rachel make some great points, you MUST be tenacious and need to find a way to create cash(consistently), but don't forget that you need to be liquid, have 6 months or better of living funds aside because there is nothing surprising about suprises - they ALWAYS come up and ALWAYS cost money, expect them.

and yes, This can and will work.

You make 90k a piece or together??

FIRST STEP is to correct any mistakes with your current finances.

Order your 3 credit reports.What is on there that is negative??

Are your credit card balances high and your interest rate high??

What about car payment?? Are you driving a mack daddy vehicle with an huge car payment and insurance requirements??

Your mindset has to get out of spending mode and into investing mode.Sell your newer car and buy an older one for cash.

Live below your means and save so you can amass properties and THEN live the good life for an extended period of time.

Call the credit card payments and get the interest rates reduced.You can't get a YES unless you ask.

Call your mortgage company.Some have what is called a short sale refinance where you can get a new loan at the reduced value.If you can't do that go for a loan mod or temporary reduction to boost income and decrease expenses.

Your property tax bill if it is high contest it to go lowered.Cable,clothing allowance,cell phone,eating out nothing is off limits.

If you do this you will start turning the tide.The question is HOW BAD do you eventually want to be able to quit your 9 to 5??

Start working on these items first to increase cash flow and start decreasing bad debt.

It is not how much you make - it is how much you are able to keep at the end of the year. From what you make and from what you have in savings makes it look like you have been trying to keep up with the Joneses. Stop trying to keep up with others in the spending areas and exceed all others in the savings area. By doing this, you can become the full time investor that you want to be. Later after your cash flow has built up to where you are making much more than you are spending - that would be the time to buy your "doodads" like nice TV, cars, boats, RV's, etc. Perhaps at that time you can thumb your nose at the credit compamies and just pay cash for what you want!