I'm organizing four events across the US for local short-term rental hosts to come together to have a beer and chat about challenges they've faced and things they've learned over the year and swap a few stories.

There are three local law firms that would likely be able to help you out in that arena.

I'm a local realtor and builder.

This is 100% top advice to think about - each state (and sometimes, often municipality/city) will have different processes, rules and yields for this - it is a very location-specific strategy and have to hyper-focus on a local market (more even for the rules/process than the real estate knowledge) to have success

Keep in mind that credit score, LTV, property location, and prepayment penalty all play a role in determining the interest rate.

The system protects the criminals more than the law abiding business operators.I agree with others though, turn it over to a local competent collection service. 

Withdrawal Scenarios:Scenario 1: Withdraw everything today at age 40, resulting in a 35% loss to penalties and taxes.Based on the little information, I think you are under-estimated how much taxes / penalties will be taken out.Your profile mentions you are a resident of Brooklyn which is located in NYC.NYS / NYC taxes is taxed at around 10%+ for middle income earnersPenalty is 10% at the federal levelFederal taxes for middle income earners is 24%Given the 3 numbers of 24% + 10% + 10%, you are closer to 44% instead of 35%If you are above a middle income earner, the tax rates can behigher.With that said, I took out all my retirement income and put it in real estate.

Anyways, I’m a local and wanted to wish you the best of luck on your journey!

We host a local meetup and our team of investor agents operates in this market. 

A local broker made all of his kids buy fourplexes as their first home.