That money is there for a different (long term) purpose... and if you are pulling it out to not return it you are going to pay a penalty, which isn't financially smart.Odds are you have a great rate on your current house if you bought it during cheaper times... so giving up a great interest rate doesn't make sense either on selling your house and renting.  

@Nate Marshall can you provide references to other sorts of cheaper education on this subject? 

A buddy of mine talked to his tax guy who told him these “Distributions” aren’t currently taxable right now and simply adjust the basis downwards (almost like a return of principal), but when the principal actually DOES get returned (generally about 5 years out in this case), that the difference between the amount returned and this downward adjusted basis is taxable at capital gains rates - if held longer than 1 year, generally 15% tax.  

Even paying for an audiobook will be cheaper then their scam courses. 

Any money you touch would be taxable. 

Averaging $1k/mo per bedroom which is now on the cheaper side of things.

It will protect you for cheaper without the additional complexity.

Because obviously there was no skill or courage involved, and houses will definately be cheaper in 20 years. 

Would you be able to rent for cheaper if you didn't have the property?

I second @John Underwood and @Bruce Woodruffs comments.Get it up, make it a little cheaper and see how it goes.