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Updated over 5 years ago on . Most recent reply
![Julie Dillon's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1401817/1621511958-avatar-julied62.jpg?twic=v1/output=image/crop=751x751@0x0/cover=128x128&v=2)
401k borrow or withdrawal/ cash-out?
My husband and I are 51 and 52 and only recently got into real estate investing so we want to be aggressive in growing our doors. We have 2 single family homes and 1 duplex and now we are pursuing a 4-plex. We cant decide whether to borrow or simply cash-out my husbands Fidelity account. The account is relatively small so there is no way to retire off the current balance. I'd love to hear what other people have done in this situation and the pros and cons of each option. Thanks!
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![Taylor L.'s profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/569676/1715197864-avatar-taylorlrei.jpg?twic=v1/output=image/crop=178x178@5x0/cover=128x128&v=2)
I would lean toward seeing if you can bring investors or lenders in to make up where your cash might fall short. Whether you cash out or not, you'll run out of your own money eventually. Might as well learn how to raise funds from others!