I ran the numbers - factoring in the 4 profit centers, I estimated I would recover the 10% penalty, 32% fed tax and state taxes within 3 years.Assuming your 401k had 100k, you would have 53k to invest.

I have a tenant moving out, and the dogs tore up a lot of the grass in the front yard, so I will have to have that repaired.

If they also will mow the grass and remove snow, it would be good to ensure those things get done.

As proven by the fed. 

Conventional loans / refi's are still flowing and I suspect the fed will do everything it can to keep that the case. 

Look at it this way, The Fed is going to pay your employee one way or another, either through the $600 a week unemployment stimulus on top of the State check, or giving you the $600 a week money, plus a tax incentive, plus a little cushion to cover, insurance, healthcare, etc..

Hello Landlords, Self Employed and Others, I know we have lots of questions about the aid from FED during COVID-19.

Inside you have old plumbing systems, knob and tube electric, old boilers and radiators or gravity fed furnaces.

HELOCs are great now as Feds have lowered Fed Funding Rates, but can and will go up. 

But since the Fed lowered interest rates to 0% and mortgage rates are at an all-time low I would say now is a perfect time to invest :) House hacking or a live-in flip is also not a bad option as long as you would be able to help to refinance the property after the flip is complete.