So you are just choosing one retirement vehicle over another.You can also consider rolling the 401K into your new employer and take out a 401K loan if your employer offers the option.You would normally be eligible to take a loan of the lessor of $50,000 or 50% of your vested balance which would be $4,500.Best of luck

I guess the question is what are they lying about (employment, evictions or putting a dent in the wall).

My rental has a lot of extra space outside around the house to consider doing a ADU build and create additional rental income.  

Additionally, do people have recommendation on efficient ways to screen a tenant upon application? 

Here's an article with additional FAQs on cost segregation studies that you may find helpful.

Using cash-out refinancing, you can grow your portfolio with minimal additional cash from savings.Lasts throughout Your LifetimeYour rental income depends on your tenants maintaining similar wages throughout your lifetime.

To add additional context,  I would personally be more willing to sign my name onto a $6M mortgage collateralized against a $10M asset in an "A" market that has historically low vacancy rates, no deferred maintenance and is located in a stable market with a rent roll that covers the debt services and operating expenses with reasonable cushion for reserves than sign my name on a $90,000 loan collateralized against a $100K property in a C/D unstable market with high vacancy rates and where capex will disproportionately impact operations.

Austin took the No. 1 spot with the second-highest ranking for the percentage of total employment in startups at 5% and a 14.3% GDP growth

This can provide additional liability coverage beyond what your regular property insurance offers.Steps to Consider:Speak with Legal and Financial Experts: Prior to making a choice, get advice from a tax and real estate lawyer.

Additionally, the lender allows for 3% seller-paid buyer credits, which could save you even more money.