The way I'm looking at it, if my spouse and I only do employer matching for the 10 years we would have more than enough in there and still 10 years out from being able to access it.I do plan on doing 401k loans for deals if the numbers check out, and I've considered rolling over some of our 401ks into roth IRAs to access our contributions but we'd have to pay taxes out of pocket (a big hit to cash flow) and we couldn't touch it for 5 years.  

So she's just behind in her mortgage and probably has a notice of default or whatever the procedure is in Florida.Your ability to get a loan for the home has nothing to do with her payment history on the home.  

The best thing to do here is utilize what's called a DSCR loan.

The builders lender was pressuring them and would not give them new loans until these were retired..

 @Raif Jochim without knowing details of each loan, I would almost always choose the primary home.

if your loan is 154k  then this prop probably appraised for loan purposes at 200k or so. and that price point is usually in a decent area or street..

I know of a lender that offers a 0% down, owner-occupant conventional loan that is a fantastic option for househacking.

We also work with 203K construction loans which NEVER give a deposit. 

Just bc he says he will fix wiring is seperate from your loan denial letter.

There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan.