You can use that additional money in the retirement account to invest in more deals, but it's delayed gratification unless you are 59 1/2.The only option I can think of is that some retirement accounts allow you to take loans against them.

I'd do the full background on them and make sure no red flags pop up, such as; prior evictions, felonies, sexual offender registry, etc.

You are not in such bad shape if a balcony rail breaks and your tenant dies hitting the concrete sidewalk, but if you are hit with some sort of sexual lawsuit, retaliation,  harassment, or discrimination then you are getting sued, personally, not your insurance company and you have to pay the attorney fees from your pocket to defend yourself unless you have inclusions in your policy for those types of lawsuits.

Delayed gratification!

Instant gratification v. delayed gratification.

Very delayed gratification. 

I suspect the reason most people get into wholesaling is because it sounds easy, they get instant gratification.

There is no doubt that tenant is going to say YES and will not think about the future of other tenants.It's a short term immediate gratification thing that all tenants believe they will get, but don't really understand enough economics to know that they will hurt all the non-regulated tenants in the future.I play on this is that I have been buying UNREGULATED Buildings in one of the most regulated Cities in the Country, NYC. 

It's a ton of materialistic, self entitled, and selfish people who want instant gratification.

It is certainly not a get rich quick road, and we're no strangers to the joys of delayed gratification.