Just withdraw it—it’s like a checking account.The Risks (Depends Who You Ask):A lawyer says everything can go wrong.An insurance agent says the same (so they can charge more).An engineer?

If one wants Precision, become an engineer.

@Jason Dubon I take the cost of all appliances and divide it by 5 (avg lifetime of appliances these days) to estimate annual cost of appliance replacements.

To ensure my replacement property value is at least $600k, I was considering putting the remaining $100k into a DST.

If the roof itself is not covered, you can estimate your out of pocket if the whole roof has to be replaced. 

That's why it sort of replace the need for a checking account.Every tool has it's function.

Here they all start with "Are you aware of any XYC.." and none of them are asking about previous repairs or issues.I understand that you are concerned, but honestly, if the water damage was resolved, the soaked parts replaced, why would it matter any longer? 

Just had my right hip replaced.  

Disallowed losses under wash sale rules increase the cost basis of replacement securities, potentially reducing future taxable gains.This post does not create a CPA-Client relationship.

Not many people are excited to see long-time solid neighbors leave and have them replaced by a short-term rental.