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).

Or have ideas on creative lending options as two separate down payments may be too much for us.

You're buying a 4-unit which really is almost like buying 4 separate properties: one personal residence and 3 rentals.

We are not going to meter the basement separately and it is acceptable by zoning laws. 

Then, separate that list into urgent (need to replace now), 3-5 years life left, and 10+ years remaining.  

Might be time to do a separate post on this if not performing well and see who else is invested and start to rattle cages

myrtle beach is a great investment, although I would not personally invest in myrtle beach proper. we are in ocean lakes which is myrtle beach address but us literally on the road that separates myrtle and surfside.

They will move on and look for the next person who isn't smart enough to figure out what they are up to.It's highly likely that if there was a claim on your own policy it may not be covered if it was being sublet for a separate commercial purpose (AirBnB, etc)... so I would be really careful about making sure you are covered insurance-wise.Proceed at your own risk, and all the best!

You also need to be able to take the emotion out of the deal and be able to walk away.

Mine was already separated so only had to worry about separating water.