@Bill F.  It

This will give you an idea of what future mortgage payment (after refi) you can afford.Final step would be looking for new property that fits your criteria.

Future income does not fit in their evaluation. 

@Evan Polaski - Understand how these expectations need to be set upfront and how managing the refi fits within the role of the GP.

I can sell any asset from my plans to a non disqualified person.I can buy any asset (with some exceptions) in my plans from non disqualified person.Again, I was not talking about a rollover as I was not looking into bringing more asset into a plan, I just wanted to change title by making a bona fide transaction with exchange of cash for an asset.But if I can't sell from one plan to buy into another, then that would mean that my ROTH 401(k) is a disqualified person for my ROTH IRA.That was my question, as by reading the definition of disqualified person, I was not sure that my ROTH 401(k) was fitting in any of the categories.

I'm interested in the sales aspect of RE, but don't know the industry well enough to begin the job search.Does anyone have any recommendations of jobs within the industry where there may be a fit?

It fits well into my plans and, I guess in the long run I am looking at replacing cash flow.

If they contact you and say they are having problems, it is up to you to work with them as you see fit. 

You won't pay the 10% withdrawal fee and use it as you see fit. 

Further leveraging makes me slightly wary currently, but the added cash flow through the new rate and investing capital that I'm freeing up fits my overall strategy.