Holy cow....I just got what they're up to.

holy crap this is an amazing tool... can get property values estimated by the county, shows history of whether they're paying the taxes, etc... name of owner/s, wow i can't believe all this info is available for anyone to see!

I knew it would be bad but holy crap!

Holy smokes that's a good trick for DIYers, Steve.

Holy Cow this is a ton of good feedback thanks everyone, kinda relieved in a way (sorry :) ) that I am not the only one who has experienced this. 

We look for what we call the "holy trinity".

She taught him to respond to the "holy crap you're a BABY!"

I feel like 20-something y/o's are being dupped into it as well, and want to avoid that regret of throwing money in there just because every traditional W-2 employee thinks it's the holy grail for retirement.The reason why I leaned towards not using their plan is:- I plan on retiring by 40 and imagine there's a big penalty for taking money out before 60.

Time for a divorce and to marry up to someone who knows what they are doing.However, the Fannie and Freddie guideline for a 4-unit cash out refi is 70% LTV max, so that part is correct.No need for commercial if you're good with a $490K loan amount if it appraises for $700K.And don't pay points unless you aren't going to sell or refinance again for at least 6-7 years or more.And find a new loan officer, for the love of all things holy. 

Holy hell, what a wild ride!