@Filipe Gonçalves, how did you initiate contact with them?

Remove your gf from the initial analysis.

I’m considering cashing out my 401(k) and IRA funds to invest in more real estate and would appreciate any advice or insights on whether this idea is viable.Current Financial Situation:Significant savings in 401(k) and IRA accounts.Additional funds in a taxable brokerage account.Age: 40, with a relatively high effective tax rate.Limited emergency fund.Existing Duplex:Mortgage with a 75% LTV ratio and a high interest rate.Modest annual cash flow.Withdrawal Scenarios:Scenario 1: Withdraw everything today at age 40, resulting in a 35% loss to penalties and taxes.Scenario 2: Withdraw at age 60 with growth scenarios ranging from 1.3x to 2.3x the initial balance.Proposed Real Estate Investment:Purchase two additional duplexes with a 75% LTV and 6.635% interest rate on a 30-year term.Projected outcomes include appreciation, cash flow growth, loan amortization, and tax benefits.Comparison of Real Estate vs.

Be grateful for the good things that have happened in both your life and your career.Don’t Be Afraid to be Proactive and Take Initiative - Oftentimes, being successful at work requires more than just doing the tasks assigned to you.

She didn't bother to disclose this to me initially; now we are deep in the process.

The previous tenants actually moved out 2 months later as the initial closing date they gave us.

After the fact my property would only be valued initially at about 60% of the cost to build and I was only going to see about a 6% ROI.

She didn't bother to disclose this to me initially; now we are deep in the process.

Although the rate may be higher initially, buying down to a one-year prepay is an option.

The only issue I've found is that it's hard to find a lender willing to provide a HELOC in second position (behind your initial mortgage) for an investment property.