@Andre Demers Madison is a tough go...price points are excessively high...very cool town (well...there are way too many white people and breweries), but cool vibe.

So essentially, I'd live for free.The same house in Denver would cost me about $500 a month in excess.

Basically they would be paying more taxes today but possibly less/no taxes in future years since any excess revenue from the business will be going to debt service/repayment instead of shareholder distributions.The main goal here is to pull-forward any future value from the company while not creating unforeseen tax or legal liabilities for the business or owners.  

California charges a minimum tax of $800 a year per LLC, and more if you have gross receipts in excess of $250k.

Put the cash into the VTSAX and continue to contribute to it on a monthly basis, until you find a solid rental property to purchase with the funds.Leave any excess funds in the VTSAX and continue to contribute to it on a monthly basis. 

However, if you do qualify as a full time real estate investor, as your primary occupation, then your profits in some real estate activities may qualify to be offset by “excess depreciation”.Another thing to keep in mind is that any depreciation deductions are recaptured as ordinary income when the subject property is sold.

In other words if you contribute 0 to a partnership and the partnership shows a loss that year on paper due to depreciation; however, if you receive a distribution you will still be subject to income tax on the distribute in excess of your basis.Account Closed explained it very well.

California charges a minimum tax of $800 a year per LLC, and more if you have gross receipts in excess of $250k.

@David Lund yes count for it but also know in your strategy you will likely have excess funds if everything goes as planned.

As for what I would plan to do with the excess money I don’t put into my 401k, I would like to invest it in a personal brokerage and real estate.