I want to make sure I'm not missing something.I can withdraw penalty free from prior Roth contributions and 5+ year old conversions, an inherited tradtional IRA, an HSA with prior medical receipts, among several other options.

I would like to find a way to generate additional income and am exploring options other than having a long-term roommate.

I do agree with @Jules Aton though, the best option may be to wait and save up for your down payment.

Great question - 20% down is the typical down payment for investment properties, regardless if it's a single family, duplex, tri or quad.We have a 15% down option for the same type of loan.

Another option is to estimate value based on potential income and market cap rates, which can give you an investor’s perspective.

Your best option is to terminate the current manager and switch to one with better processes and communication.

It would cost a lot to get the planning approval and do a complete renovation of the 2 units.Can anyone suggest what would be my options at this point?

Still, I think you'd find it difficult to find one that would be a good long-term investment unless you had another ~20-30 years to go, it's at least cash neutral, and you don't plan to hold it too long (to avoid too much investment loss and before you get to the point where it's unsellable because of too few years left); that's another way of saying that maybe it suits your cash needs in the near-term or is at least less of a pill to swallow than other options until you find something that's more of a sensible long-term play

Utah County has the best new construction options in the state when it comes to real estate investing.I own properties in Utah, Salt Lake, Wasatch, Sanpete, Millard, and Sevier counties.

Both Ecobee and Honeywell are great options for smart thermostats so you can remotely control the temperature settings and set temperature ranges.