Rather than just spending the money on a rate buy down. 

I think most people have no idea about theses products.In these times of tight inventory, I've been promoting for years that buyers should consider these types of renovation loans, or to buy new builds.

The attorneys I have worked with when buying a large apartment complex have all recommend one LLC for holding the property and one for managing it.  

She said that she knows that house is worth 300-400k (and she's right), but she told me to bring her a price that would work for me, and she would be willing to owner finance if we agreed on a price-she has done owner financing for other buys in past years.

In depth knowledge of a city's economy is not necessary if you are buying a single SFR.

-"analysis paralysis" is mostly a made up nonsense phrase intended to get people to go ahead and buy real estate even if they aren't ready to do so. 

However, you could buy a property with seller financing.

So, if I withdraw $60K, about 75.24% of that should come from contributions (since that’s how my balance is structured).75.24% of $60K = $45,014 → Comes from contributions (no tax or penalty)22.38% of $60K = $13,428 → Comes from earnings (subject to taxes & penalty)Taxes & Penalty on the Earnings Portion ($13.4K)Federal Income Tax (24%) → $3,219Early Withdrawal Penalty (10%) → $1,342Total Tax & Penalty: $4,562Net Cash After Taxes and Penalty Fee: $55,437The DilemmaIf I leave the money in my Roth 401(k), continue contributing $525/month, and earn 8% annually, my balance could grow to:$229,865 in 10 years$606,905 in 20 yearsBut if I buy the property, it could generate $15.6K/year in pure cash flow, plus appreciation.

If you're planning to buy in the US, there are programs for those that aren't US citizens.

You get where I'm going.I buy houses realtors won't/can't list.