re: What is your target savings and age for retirement?

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Commercial property is good but sometimes harder to rent. It might go vacant a bit longer than residential?

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It really depends. I started off with a couple of old houses that had been converted to offices. There were some painful months when they were vacant, but eventually I sold one of them and used the net as a down payment on a small strip center. After several years I sold the strip center and started buying Dollar Generals. Hopefully I'll sell one of those in a few years and will step up to a Walgreens. I basically pour all the rent back into it which has allowed me to buy everything I have with the initial $35K down payment on the two old office houses I bought 12 years ago. Funny thing is, I didn't have the $35K when I started, I took a home equity loan for it. I actually still have the first property I ever bought. I've had it with a realtor for several years and have had no offers. It is surprising since it is a $100K property with a great tenant that has a 10% cap rate. Seems like a great first property for someone. It's paid for, so I don't stress over it.