Supposedly the pref accrues and will one day be paid out along with excess cash flows but it’s too early to tell.

If you miss the payments on those 0% all that accrued interest at stupid rates will destroy you and set you back five years from getting a place (easy).

But since i am not 59.5 years yet if I withdraw looks like 20% federal withholding charge and about 10% I have to pay in taxes which means i loose around 30% of my 401k amount which I  accrued over many years

There are also instances that loan interests are paid at the end of the project (withdrawn during sale/refinance) which is referred to as accrued/deferred interest.Best of luck!

And also, just out of curiosity, how long does a single SFH take you to complete? 

While I find this interesting at a general curiosity level, which is why I am sure you shared, there is always a component of "what do I do with this?".

Quote from @Jordan Moorhead: @Britney Ross I don't sorry, I avoid Alabama because the median income is too lowThat's an "interesting" comment - so you got my curiosity with your statement.Your self-created BP profile notes that you have many rental properties in the state of Kentucky.According to the US census bureau data, here's the numbers for 2018-2022:Median Household Income:Alabama 59,609Kentucky  60,183I don't think that $500 difference is statistically significant given the manner in which the census data is collected, but I didn't review the entirety of the statistics on census bureau data.

Also  just out of curiosity how do you know they are prostitutes I’m really just wondering how this came up.  

Presenting solutions that align to key organizational initiatives has taught me to form hypothesis and bring point of views that pique curiosity and interest, as well as having a strong opinion that is loosely held to facilitate genuine conversation.

Laddered I-bonds or CDs out of curiosity?