That said I'd rather put the $10k into a house than see it vanish into thin air.

It depends on the area, but you can expect to get close to market rent +/- amenities your unit has (ceiling fans, fridge, washer/dryer, central air, etc).

Neither of us have any control over that.Vanguard is calling for 5% returns going forward-way less than the historical average.In my mind, you’re reply is correct-taxes will be higher when you’re 59 1/2, and taking the hit is better now.With that being said, you can take a loan for the same $100k, which has no short term tax risks, puts you in the same boat you’re in now-taxes at withdrawal, and if you “break even” on the duplexes after paying off your 401(k) loan, an argument can be made you’re actually ahead by doing this-since you’re paying yourself back.In the interest of full disclosure, I loaned out all that I could from my 401(k) back in February/March with the passage of the Cares act, so I have taken from the sacred cow and have no regrets.Research 401(k)aos by Andy Tanner-I’m pretty sure it’s a free download.Good luck, and happy new year!

Pete and right now there are many investors who are sinking with too many Air BnB's and no income for them. 

The “air noise” like talking and TV is bearable but the “impact noise” from the floor above seems quite loud.

The “air noise” like talking and TV is bearable but the “impact noise” from the floor above seems quite loud.

@Kenny D.We own multiple 3-family properties in the northeast and have changed boilers and hot air furnaces many of times (just did one last week).

No central air?

I’m an active duty military officer (Air Force) currently based in Washington State.

Formulate a plan --> rentals, Air BnB, flips, etc.