Adrian,If your 401k contains pre-tax contributions you can only roll it over into Traditional IRA.

I was thinking I could consider the savings in down payment as his contribution to the deal, and allocate % ownership accordingly.  

Step 1 - Max contributions for company matching 401k, usually around 4-6% or ~$4-6000 in your case.Step 2 - Max contributions to HSA in 2018 it is $6900 I believe ( this is the only money you will save that goes in pretax and goes out pretax when spent on healthcare-related items. )Step 3 - Save another $10-20k/year and live like you are broke.At 20 years old making $100k, you should be saving upwards of 60% or more of your income.

Take into account RE taxes, Mortgage interest, charitable donations, large medical expenses, ect...compare it against 2017's total.If you took a look against the rental but used the proceeds for personal use- IE to pay off your personal residence the interest would not be deductible as a business expense. 

This means that you can't make any contributions to the IRA.Since it is a beneficiary IRA, I will have to take out a minimum distribution per IRA rules as a non spousal IRA beneficiary by the end of the year 2018. 

BP has been an amazing source for me so far, and I really look forward to contributing to this community.  

I can always make a lump sum contribution at that time.

I feel like what I write should be constructive enough and contribute to the BiggerPockets community and thus earn an up-vote.

.- Maximize our 401k contributions each year, and assuming 8% return each year, our 401k portfolio will grow to 1.6 million.- Result = 3.1 million asset + 2500 monthly passive income• Plan B = Plan A + Home Equity Investment- Buy one Multi Family rental property in year 1 ($250,000), and pay off this rental property in 5 years.- With more Home Equity available, I can buy 3 more rental properties in year 6.- Pay off my existing Seattle rental property in year 10.- With house price appreciation, I can buy additional 3 more properties in year 10.- Total Income: Seattle property 2500 + CT rental properties 7*1100=7700 = 10200 - Result = 3.35 million Asset + 10,200 Monthly passive incomePlan C = Plan A + BRRRR:- Buy one Multi Family house a year using BRRRR Strategy. ($250,000)- Repeat this process 10 times in 10 years, then I could have 10 houses in 10 years.- The advantage of this strategy is that I can use my $250,000 LOC over and over.- The disadvantage of this strategy not able to find appropriate deal or not able to refinance.

Do you want to contribute to your 401k and your employees 401k.