Pull funds out of 401A and Take tax hit now ?

[Ray Kellogg]

Got a recommendation ( not from a fiduciary) to take money out of 401 A now ( I'm retired) and invest in R.E. SFH's. Claim is taxes are only going to go up….better off paying the taxes now and having full control of your money.

Or, is it better to move the funds to a solo 401k - which still has restrictions, limits you to non-recourse loans, yet holds off the taxes?

Or, go the HML route and then cash out refi and leave the 401 alone ?

not employed so debt to income could be an issue getting conventional financing.