This has not effected me at all.

But check the Stat Date which means the date the change is effective.

Is that really effective?

If your data set is really limited, I suggest the following: (1) calling the people on your list within 3 days of sending the mail, and (2) planning to send each person at least 6 more pieces of mail in 10 to 14 day increments.Direct marketing is extremely effective, but you really have to work at it. 

If you want to go the Equity-Capture rout and buy something below market value (preferably off-market) that's in need of repairs to bring up to market value you'll need a team in place to handle the rehab that you can trust, that can deliver in a timely and cost effective manner, and that understands your vision for the property.

I like the cost and effectiveness. 

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5 year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).Please keep in mind the multiple loan rules:Under those rules, the sum of the balances of a participant's outstanding 401k loans under a single 401k plan (using the highest outstanding balance of each loan over the last 12 months) can't exceed 50% or $50,000 whichever is less.

What are the steps and does it effect your credit score ?

They are very cost effective for specific situations, but no big players use them.

We advertised the garage units and quickly rented them for $600 a month total effectively adding a 19th unit to the building.