Taking apps and structuring loans is only one part; you also have to understand marketing, lead gen and prospecting, and day to day business management.

Now, I’m full-time with Zuma Capital Group (ZCG), a company I co-founded to focus on acquiring and managing multi-family real estate investments.

Interesting about the wind-down structure, I'll look into that more. some existing HMLs that don't have cooperating banks right now and probably would be glad to have it.  

So, if I withdraw $60K, about 75.24% of that should come from contributions (since that’s how my balance is structured).75.24% of $60K = $45,014 → Comes from contributions (no tax or penalty)22.38% of $60K = $13,428 → Comes from earnings (subject to taxes & penalty)Taxes & Penalty on the Earnings Portion ($13.4K)Federal Income Tax (24%) → $3,219Early Withdrawal Penalty (10%) → $1,342Total Tax & Penalty: $4,562Net Cash After Taxes and Penalty Fee: $55,437The DilemmaIf I leave the money in my Roth 401(k), continue contributing $525/month, and earn 8% annually, my balance could grow to:$229,865 in 10 years$606,905 in 20 yearsBut if I buy the property, it could generate $15.6K/year in pure cash flow, plus appreciation.

We have full time professional jobs and children so getting into heavy rehab or flipping is not an option.

If not, then I'd explore a line of credit, but that will also be a full doc qualification and you'd still have that variable interest rate.

@Benjamin Larabee My accountant recommended I get a bookkeeper to organize my records as I am still building my portfolio.

thanks for your time and help 1st off, full disclosure here, Rent To Retirement advertises their properties on my Investment Properties For Sale Show, so I am not a totally unbiased opinion and it's only fair that I tell you this up frontHaving said that, outside of running my show for people like them, I also own a property management company in Northeast Ohio and have worked with 1,000's of out of state investors over the years.I say all of that to say this, the overwhelming majority of negative reviews I have seen on them are very similar to a lot of negative experiences investors have with my property management company and others like it that I've worked with.

While RentRedi is great for property management, here are some other options to consider:Excel/Google Sheets: A simple, customizable way to track property details, upgrades, expenses, and maintenance.Trello: Good for organizing tasks and progress on specific properties.

Everything was handled in such an organized manner from the initial stage, to end.