Early withdraw taxes really hurt. 

We own an 8-unit boutique hotel and our biggest challenge is keeping our ADR up (or be able to get through our slow season without negatively cach flowing.

For the 10 year period spanning September 2014-2024, single-family prices in Austin nearly doubled, yielding an annualized appreciation rate of ~9.8% in that period.With inflation nearing its 2% target and signs of a slowing labor market, the Federal Reserve last month made its first cut in to the federal funds rate since the start of the COVID pandemic.

They team you up with experienced investors and they walk slow like elephants. 

It hasn't been a slow burn, but I've tried to be thorough.

The last thing that comes to mind would be moving the funds to a rollover IRA and withdrawing them with help from your tax advisor or CPA to qualify for the first-time homebuyer exemption. 

if she withdraws the money she'll get crushed by penalties and taxes and won't be left with enough to do anything, let alone buy real estate.food for thought.

The rental property is entirely funded by the HELOC with interest rate of 3.6% (10 year withdrawal, 20 year repayment) and no mortgage on it. 

In addition self employment income can be VERY inconsistent throughout a year with busy seasons and slow seasons.

From my experience oakhusr is more reachable in winter months than other placesI have been in operation for a little over two years my first slow season was awful, I can’t really give you an accurate number but somewhere around 25-30%.