In my research, default rates are pretty high amongst 401ks loans. 5) If you leave your employer and want to rollover your remaining balance to an IRA to be able to invest in real estate, known as a self-directed IRA, you have to either A) Payoff the loan first, or B) When you rollover funds, the loan balance will be immediately distributed to you, thus taxes and penalties, and you forfeit all that tax-advantaged money back in the account. 6) 401ks are generally covered under federal ERISA rules, which affords you additional creditor protections, from outside of the 401k judgments.

Collecting free but potentially inaccurate advice when I can only somewhat afford to pay hourly rates for an attorneys, some of whom may not even possess adequate knowledge, seems impractical.

If she sticks with jobs in areas like LA, NY, and Miami there are plenty of job opportunities to stay there long term.The student loans doesn't bother me as much as long as you can afford it.

Can anyone point me in the right direction or help me find a solution to my funding problem?

They're retired and on fixed incomes, and they won't be able to afford the insurance and/or their HOA fee increase.

And being from Phila, there are plenty of solid and reasonably affordable areas to invest in. if you're open to it, feel free to reach out and we can talk more about this topic and the local market. 

@Oli C.MTRs (Mid-Term Rentals) in Cleveland and Columbus offer affordable housing with high tenant demand and lower management issues.

Additionally, Miami has seen an increase in demand from international buyers, which has driven up prices and the exclusivity of properties.Sarasota: Although less known than Miami, Sarasota is attracting investors due to its tranquility, proximity to beaches, and the opportunity to acquire luxury properties at more affordable prices than in other areas.

When you 'cross' that with 'having been homeless' it makes me think of someone grasping at straws who is desperate for a solution.  

The Midwest can be great for affordability and cash flow, and Detroit stands out for Section 8 because of the demand for rental units.Mentors & Resources: Finding a mentor who has direct experience with Section 8 investing is ideal.