why not just start with a more traditional LTR house hack?

Quote from @Christian Orellana: Family owns a property in NYC.

This strategy yields higher returns in all metrics than traditional rental spaces.

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However, I'm thinking that it would be better to create a SIMS inspired game, that follows the guidelines of both traditional and creative real estate investing.

I have seen more people torch their retirement plan using this "strategy" than I care to think about.As @Chris Seveney notes, an IRA can be setup with a specialty self-directed custodian so the IRA can be invested in non-traditional assets like real estate. 

Creative investment strategies include short-term rentals, medium-term rentals, nursing/senior living homes, and rent-by-the-room—all viable investment strategies depending on the market that can create significantly more significant cash flow incentives than if the property were sourced as a traditional rental. 2.

They move much faster than traditional banks and usually have fewer restrictions for qualifying.  

that's my real question... the follow up question is... do you think it's worth $3,150 to go from 6.275 to 5.75 on a 30 year traditional loan? 

Generally speaking, the distributions from a traditional 401(k) account are all subject to taxation versus a ROTH account which has some tax-free distributions.