I will provide an update when I hear back or have substantial resolution to my issues.

It depends where you are.

@Blair Ross Jr depends on how much experience you have with investing in rental properties.

I just found out today that one of my tenants didn't pay rent and was sent a pay or quit notice but the notice provides them 30 days to pay or quit. 

Who is providing 85% LTV financing on that?

@Geoff Engel depending on what amount of available cash you are starting with and what you ultimately want to achieve will help determine your path.

Whether you should take a retirement distribution or not depends on several factors1) How much do you value the freedom/flexibility to ues the money NOW compared to when you are 60 years old.2) What type of return can you get having cash vs investing in an IRA / SDIRA.If you can make a 1% - 2% better annual return in your personal name, it may make sense as the added return will pay for the penalties over a couple of years.I personally cashed out of my retirement account back in 2016 and it was the best decision I made.

Can provide all the benefits from a cash flow and tax perspective.

Damage to the garage, depending on how much and what it is, charge them and get it fixed. 

I was told that some commercial insurance companies are able to provide umbrella policies without auto policy and primary residence.