(AJC) — At 61, Mohammed Ramsey is quasi-retired, but that’s not because he planned it that way. Ramsey and his wife shut down their day care business in Gainesville a year ago because of dwindling revenues. Unable to sell their five-bedroom house in Johns Creek without taking an $80,000 loss, they leased it out and moved into a smaller rental property they own in Dunwoody. Now the couple lives on income earned off the Johns Creek house and other rentals, but Mohammed Ramsey is still hoping to find a new venture. “I don’t want to be completely retired,” he said. “If I had enough money I would go into real estate right now,” buying more homes and fixing them up. But he thinks it’s too difficult now to borrow money.