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All Forum Posts by: Jessica Fish

Jessica Fish has started 1 posts and replied 2 times.

Buying & Selling Real Estate

Post: My Cash Isn’t Liquid

Jessica FishPosted
  • Posts 2
  • Votes 0
Quote from @Chris Seveney:

@Jessica Fish

After paying penalties from taking from a 401k you will never be better off. You pay 10% + taxes so that money needs to make 20%+ to even catch up to what it will average in the markets.

$100k equity probably doesn’t give you much to borrower either from a ltv standpoint.

Can you do a 401k loan?


 ltv?

I have to do some research on the loan. I didn’t think about the taxes for the 401K so thank you for mentioning that to me. 

0 Votes
Buying & Selling Real Estate

Post: My Cash Isn’t Liquid

Jessica FishPosted
  • Posts 2
  • Votes 0

I have about $60K in 401(K) accounts and approximately $100K in equity in my home. I want to invest but I don’t have any liquid cash besides what is in these accounts. I am not against taking money from 401K for real estate as long as my rate of return in real estate is higher. I’m concerned that $60K ($50K after penalties) won’t get me far in starting a short term rental though… I’m also hesitant to do a cash out refinance on my home loan because we have a great interest rate at 2.625%. Does anyone have any tips or advice for getting started in my current circumstances?

0 Votes