Large deposits are nice, but very difficult to actually get access to escrow funds in the event of default.

I see no value in it for evaluation.Realestate.com has always been a good site for accessing properties, but they do a poor job of evaluation. 

More equity means lower downpayment.  

@Zach Howard if you're serious, you'll get a Pro Membership so you can access the analysis reports here on BP.You can then share those and ask for feedback:)

If people can't access the site without disabling anti-virus, etc. it's a barrier.

.- Taxes: While the 10% penalty is waived, the withdrawn amount will still be subject to regular income taxes.This can be a useful way to access funds for a home purchase, but keep in mind the tax implications and the potential impact on your retirement savings.

Many Texas cities are incentivizing developers to build affordable housing units, but challenges remain around keeping these homes accessible long-term.

Are there any lenders who are lower than this, I've been brokering myself.

I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

They can help you navigate code compliance, especially with accessibility and egress requirements, and provide a clear budget before you begin.