Often times we have deposits sitting in checking earning nothing waiting for bills and these deposits from business are now lowering your daily balance- or high income W2 earners seeking a way to put every cent they have available to be put to work against their mortgage, prior this strategy didn’t have as much merit since rates were so low in 2020- mid 2022 but lately with short term money getting 4-5% returns its becoming even more effective

Someone who is a very high W2 earner (e.g many of my younger tech friends) are fine with taking more risk, buying lots of OOS, scaling, etc. 

Withdrawal Scenarios:Scenario 1: Withdraw everything today at age 40, resulting in a 35% loss to penalties and taxes.Based on the little information, I think you are under-estimated how much taxes / penalties will be taken out.Your profile mentions you are a resident of Brooklyn which is located in NYC.NYS / NYC taxes is taxed at around 10%+ for middle income earnersPenalty is 10% at the federal levelFederal taxes for middle income earners is 24%Given the 3 numbers of 24% + 10% + 10%, you are closer to 44% instead of 35%If you are above a middle income earner, the tax rates can behigher.With that said, I took out all my retirement income and put it in real estate.

It challenged my assumptions, so I thought I'd share the key points:- Rents up 25% since 2020, but wages only 22% - ouch.- 50% of renters now "rent-burdened" (>30% income on rent).- Landlord costs skyrocketing:      - Insurance: +30% (thanks, climate change)     - Utilities: +30%     - Property taxes, materials, maintenance all up     - Even lawn care and cleaning services cost moreThe article argues these costs are being passed to tenants, not just padding profits.

But I would say it's definitely also cause the carry cost would not be worth it(new wages, new nnn leases, supply chain issues, depending on area higher crime).

So it's up to you if you want to go through the hassle of the court system, then probably going through the process of garnishing wages.  

Being in a price point that typically caters to moderate earners, so affordable to their incomes, but also having a tenant base that is more likely a renter by necessity than choice (or the non-PC way of saying it: a tenant that can afford your rent without struggling, but can't afford to save up to buy a house).3.

Texas has a minimum wage of 7.50(I think it’s still that anyway) and Arkansas has one of 11.00.

Wages will increase faster than inflation.

What if you show low income on paper is there still limits, it seems almost as if someone making minimum wage or even no income could buy a million dollar property otherwise as long as it showed a net positive to their DTI?