They are long gone now.This "wally wrap" seems just like a regular wrap, what am I missing?

Since Covid this is just the way of the world with STR/MTRs, it can require more cleaning and cause damage but if you want to complete it is a necessity. 

No coaching program, called multifamily brokers in my areas, have a regular job, and have 3rd party PM.

First of all, my personal credit was a very good at 735 midscore. 100% financed tidied it up just a little bit more with  just cleaning up a couple of things on my credit.

At the same time depreciation recapture is taxed at regular tax rates, not capital gain rate.

And that's not even taking into account the regular tenant BS.

I fire clients regularly. 

I live in Honolulu currently but used to live in Tokyo (mother is Japanese) and still travel there on a regular basis (pre-Covid).

.- Taxes: While the 10% penalty is waived, the withdrawn amount will still be subject to regular income taxes.This can be a useful way to access funds for a home purchase, but keep in mind the tax implications and the potential impact on your retirement savings.

The property was being lived in....of course it could use a refresh which we also agreed to do a deep clean for you....fact of the matter is is that you chose to walk away from our agreement prematurely and ended up having to go about it on your own.