Not only is it free money, but you probably can't beat that return.Research the 55 year old 401k exemption.

Rewey: There is a video (free on YouTube) by Attorney Jeff Watson titled "How To Do a Subject To And Do It Right" that I highly recommend. 

It's free and doesn't require an account.

Live below your means, find roommates, or live with family for free. 

Otherwise they would have sold, taken the tax free cash and moved on. 

You are converting their tax free gain in to a taxable gain.

Overall, sounds like there is more inventory coming on line in 2025 in some major markets so wondering what some of those leading indicators of a "bottom" might be.

Hi Meghan, feel free to connect, I'm up in Plymouth., so tend to focus from Concord to Gorham.

Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.

I have had experience helping improve people's listings and gaining them more bookings.I’d love to help you craft a compelling listing—completely FREE—so you can start seeing better results.