So you are just choosing one retirement vehicle over another.You can also consider rolling the 401K into your new employer and take out a 401K loan if your employer offers the option.You would normally be eligible to take a loan of the lessor of $50,000 or 50% of your vested balance which would be $4,500.Best of luck

I guess the question is what are they lying about (employment, evictions or putting a dent in the wall).

Austin took the No. 1 spot with the second-highest ranking for the percentage of total employment in startups at 5% and a 14.3% GDP growth

Employment number was huge, and inflation rose.

Now, here is the catch: 1) You have to have to be self-employed, maybe an LLC or S-Corp, or just sole prop, but you have to have earned income in that business.

For example, suppose your primary residence, rental properties, and employment are all in the same area.

Only nonrecourse loans will not affect your personal DTI - if you personally guarantee the debt, you're going to take the DTI hit for it unless you can qualify for it to be excluded.Find a local lender who is skilled in working with self-employed and investor clients and talk through your situation with them. 

This might offset the rate difference, especially when conventional financing isn't as easily accessible due to strict income or employment documentation requirements.2.

Here’s the catch: I’m not sure how to go about getting a loan with no current employment.

I would find a market with good median rents, and low home costs, and a location that has some indicators that would support future price growth (pop growth, job growth, large businesses/employers moving there).