I ended up paying 25K and they hauled out 120 thousand pounds of trash.

I have a property in Denver that does great with mid-term so I toyed with trying mid-term with a townhome I bought in Kissimmee—not too far from your clients' place.

You pay taxes on 401k withdrawals whether you are 40 or 60, so the 10% penalty you get is what you have to factor in with your decision.It's impossible to say whether stocks/bonds in your 401k or real estate that you acquire will do better over the long haul.

Upgrades/repairs include:flooring (tile and carpet, entire house), painting (entire house), complete kitchen renovation with new appliances, cabinets, sink, lightingcomplete bathroom renovationsupgrade/replace ACupgrade/replace existing hot tub  upgrade/replace furniture/bedsupgrade/replace old pier with newadd new kayaks, paddle boards, and bikesI am thinking anything that is removable (furniture, appliances, water toys, bikes, pier, etc) could qualify as an asset for the LLC and thus be used as a tax expense for the LLC.  

And secondly, that was quite the haul-off of stuff!  

., 6.125%, 3.204pts, 25% DP, no ppp - 8.72% CoC ($82K savings over 30yrs) If you plan to keep this for the long haul (10 years) then you really should look into at least a couple of quotes with a 5 year prepayment penalty (Non QM - DSCR) - this should be able to get the rates down on that to near your conventional quotes

Our mortgage rate is 3.9 so I dont want to sell the house and instead hold it for the long haul.

If you're coming back to SD and want to live in the home you have here for the long haul, it's nice security to pay it down.

I'm starting to wonder better ways to outsource this work and find solid tenants who will stay for the long haul.

They default the automatic renewal to Yes.