Should I speak to my lender first and see if they can match?

Should I speak to my lender first and see if they can match?

I would match those and stay clear of over improving the place. 

@Brian Burke when you say year 2, do you mean 1 year from the time they deposited their capital?

They said it's because I did not follow the rules for marinating operation and deposits accounts at the bank.

I would not necessarily give up the deposit (if you have one) until a move-out inspection is performed so that there is some security for damages caused to the property.

All time periods affected by the Force Majeure event, including Closing Date, will be extended a reasonable time up to 7 days after the Force Majeure event no longer prevents performance under this Contract; provided, however, if such Force Majeure event continues to prevent performance under this Contract more than 30 days beyond Closing Date, then either party may terminate this Contract by delivering written notice to the other and the Deposit shall be refunded to Buyer, thereby releasing Buyer and Seller from all further obligations under this Contract.

Separately, there are plenty of ways to get money out of retirement accounts prior to retirement age (Roth conversion ladder, 72(t) distribution, or just get the match and pay the small penalty).

Around here a lot of landlords offer section 8 tenants $300 cash when they move in with $0 security deposit.

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