Thank you,Phil Don’t have any experience with the mentioned mentors, but I do have 45 years experience in commercial real estate investing.Flipping (wholesaling) commercial properties require the same base of knowledge (real estate principles, real estate law and real estate finance) that is a foundational requirement for flipping residential properties; PLUS, extensive knowledge of the commercial property TYPE one is trying to engage with, and extensive knowledge of the local real estate market for the subject property type. 

Germain Act and using a trust for subject-to approaches that may work for this kind of transfer, but I’m not sure it totally applies to my situation.The previous replies stated answers to your questions, but some of the answers may not have been clear. 1.

Maybe do a sale subject to existing finance and do a wraparound mortgage?  

.- Requires active management - Subject to regulatory risks - Income can vary seasonallyI wish you the best in your new venture.

Since the property is being held for less than 12 months, the IRS will likely classify it as a dealer property, which means the profits from the flip are subject to ordinary income tax rather than capital gains tax.

Although the statutes are clear in Minneapolis for the noise level violation, with out a calibrated instrument and a time stamp recording, isn't the complaint subjective?

Not to stop the triplex dreams here but a traditional connected triplex in Houston is subject to the commercial building code (fire suppression systems and such).

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.

Quote from @Kevin Lee: Glad to see there are some subject matter experts here! 

Seller financing or subject-to deals can help acquire properties with little upfront capital.