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.

@Wynn Williams You could buy it subject to the existing mortgage, but I'm hearing about those due-on-sale clauses being exercised often now.I would structure it as a lease with an option to buy.

Investment Info:Single-family residence buy & hold investment.

@Taylor Smith if you are looking to buy a home for yourself as a primary residence, I have a video on my YouTube channel called "The Absolute Best Way to Buy a House."

If you are looking for turnkey properties, buying at or below lender LTV will likely not be possible because you are paying for someone else's value add/profit. but if you are adding value(Buying distressed) and adding your own value, then your possibilities open up tremendously.The mission is to limit the amount of cash in the deal. 

imagine building as well at 25% below market prices. not only does new construction sell at a premium to existing inventory but it also helps you enter the market more competitive. you can accelerate this massively buy having a strategy to consistently position yourself at 25% below the market. like fix and flip.

Is now the time to buy?

We also have many unique buyer incentives where an investor can get up to a 10% price reduction to come into immediate equity, or get that 10% as a cash back at closing to reduce your down payment and increase your ROI, or buy rates down into the low 4s on 30yr loans to maximize cash flow.

By the time I was ready to jump back in and buy again rates had shot up as had prices.

For a lenderWhat docs would I have to provide to buy a NNN Bank?