So to summarize, don't do it.

Here is a nice little blog post summarizing this idea: https://jaeminfrazer.com/blog/a-simple-explanation-of-the-be-do-have-model

I like what @John Casmon summarizes, do as much homework on yourself as you do on what the coach is offering to see if a match. 

I frequently have clients who ask about this, and Collin and Avery summarized my answer.  

You summarized it well: "the bank can take a $20K offer or not".

I would ask you to honestly share with the BiggerPockets community whether you rushed into this, or whether the particular plan provider you are working with was just selling services and not providing any meaningful information to assist you in your understanding of what works and what does not.To summarize, there are a few key takeaways:1) The Solo 401(k) plan format likely provides advantages to you as a self-employed realtor than the IRA based program does. 

If I train one of my guys to do the analysis that I am doing, look at the houses, summarize the info, I can probably double or triple my supply deals of deals from the mls.

Everyone here has summarized it perfectly.

To summarize our goal: 1.

To summarize, Dominion had: neglected to take the correct amount for principal, adjusted the error, taken additional money to correct mistakes in withdrawing, then returned that extra money to an account no longer in use and without notification.