As I near retirement, though, I want to divest into another area to create an additional income stream not directly effected by market volatility.

The stock market is way more volatile at a way faster clip.

Some people don't want to maximize ROI at the sake of volatility, dealing with more headaches and uncertainty and thats understandable.

In a volatile economy like this, I would definitely be careful and demand only really solid deals.

A: Now that rates are 7%-8% (and going higher) High, double-digit Cashflow is harder to achieve within the first year until the property is fully stabilized. 3:B: 100% financing is Not a strategy for beginners in a correcting, volatile, trading downward market.

For those reading this comment, and interested, the book "The Wealthy Code" does a good job at covering a lot of this stuff (perhaps at an elementary level for many experienced investors, but as someone still on the journey of educating myself in matter of real estate financing and how to really think about debt, risk, volatility, etc, it was eye opening for me).The author at one point talks about equity like this, and I found it beneficial (quoting here):Do you think this is a good investment?

Aside from technical skill and experience, you also need a steel gut and a high degree of emotional intelligence to ride out volatility.

It’s highly volatile but the returns are great, as long as you don’t bet the house on it.I’ve made 25 percent in 3 weeks and I know people who have made 40-60 percent off it in a few years.

Yet, with an almost fanatical adherence to their ideas (Risk = Volatility), this group of geniuses lost billions of dollars in a handful of years.These lessons don't mean that it is futile to attempt to understand anything.

Jeffrey, I'm the one that you're talking about.For whoever post this question, I give you homework, you draw two chart, first chart is chart of S&P500 in the last 20 years, check the volatility and return.Second you draw a real estate investment plan,eg: you buy in San Francisco or Gary Indiana from 20 years ago, and see which one produces more return.Also making future price projections in real estate is very easy, you just need to use Zillow.Truth is I don't need any retirement planning if I invest correctly in Real Estate market.