What AirDNA is missing is creativity.

This is a creative extra.

Returning to independence should reestablish differentiation and creativity between Fannie and Freddie.

So, if you like the idea of the tax-free bucket, you can wait until 59.5 to take "normal" withdrawals, but here are a few creative ways to use the tax-free money early without penalty:You can do MBDR in your company's 401k plan and leave after age 55 and no longer worry about the 10% penalty (Rule of 55)Utilize 72T - Pay yourself the same amount every month until you are at least 59.5Move the money to a self-directed IRA (SDIRA), where you can use the Roth IRA to purchase RE10k of earnings can be pulled tax-free for first home purchaseThe principal can always be withdrawn tax-freeNot really anything anyone plans for, but there are some exceptions for medical expenses as well that can be a nice plan Z if you blow through other emergency fundsI do this in my company's solo 401k because it gives me the most control over the funds, but it can easily be done in a company 401k if their plan rules support it. 

I have thoroughly researched many of the creative financing strategies (subto, wraps, assumable mortgages, and etc).

.These are very important points for each side of a creative finance transaction.

Hi, I have a family member that had a reverse mortgage on their property it's a 3b 1b 1 acre of land heats by oil no hvac and on well water. When I tried to get it when my side of the family found out and tried tp tak...

Creative Financing" can mean a lot of different things depending on who you're talking with. 

Hi BP Community,First time writer, long time listener! 

You can also try creative financing like seller financing or taking over a seller’s mortgage to avoid big upfront costs.