I would say it depends on how well the chunk of cash in your 401k is performing compared to the asset you are acquiring.

I’ve compared Chase, Bank of America, and Amex but I’m still feeling a bit lost.

If you compare ADU addition with any larger development effort , either in size of unit or number of units, the return is greater because building single small unit is the most expensive residential development.  

Rents are up  compared to 2020 in my area.

I have been trying to find a rental in Austin and numbers are way off. Thinking of moving to nearby cities. What is your experience of this market as well as Temple.

When you are comparing a condo to a SFH there aren't many pros but there are a lot of cons.

Because the owners of Licensing Experts pay ALL CASH, the closing usually occurs 3-6 weeks, which is very fast compared to traditionally financed commercial deals I've seen on Bigger Pockets.The whole thing hinges on their very clever technique of getting existing commercial retail tenants engaged, willing to move into their newly acquired properties who are coming up for a lease renewal or lease expiration, rather than marketing for new commercial tenants - which would take way too long.Licensing Experts is somewhat of a "front" for their Mentorship Platform, as they evidently have many of their own separate entities for which they use to actually purchase and close on their commercial properties assigned by their mentees. 

How do the interest rates usually compare between the two?

If I threw the money into SPY, it would be a 104% gain compared to walking away with an 80% gain after fees/commissions.

SO many more options and the reduced responsibilites and work loads are under valued until you deal with them.. lol Also when you factor in management fees it can be quite comparable in net proceeds, without the wear and tear on the property and furnishings.