If you no longer work at the job that provided you with the 401k, you can transfer it into a "roll over IRA" which takes all the funds from the 401k and just makes them into a new account, governed by new rules - so instead of being subject to the stricter 401k rules, you can use the more lenient IRA rules to maximize your allowable distributions.The guy who helps me through the legalities of all this is Steven Hamilton II, who I met on BP.

Steven, the tenant actually filed a complaint with the government air quality bureau, and they mandated asbestos testing and warned me on proper removal of asbestos materials.The govt inspector said there was a 100 sqft rule, and I have 1000 sqft of popcorn, and only owner/occupant (you actually live in the rental) can remove asbestos.So I have to be careful about doing it myself, as I don't actually occupy the rental.But my question remains... once you disclose asbestos to applicants, how often do they back out?

Here in Milwaukee, the tax dollars go toward:Public SchoolsLocal Technical CollegesPublic WorksPublic SafetyHealthCulture & RecreationGeneral Government

Confusingly enough the government (or some other "they") consider a duplex, triplex, and fourplex to be a single family product. 

The government can take it away with eminent domain, sure, the county government can force it to be sold at auction if I don't pay my taxes.

Government grants, down payment assistance, USDA loans, & VA loans are just a few ways to get in with "no money down".

I deal with two governments who impose laws that substantially change my business, without my say or control.

I didn't realize how much of a buffer something as simple as a non disclosure state gives We the people, from an ever growing government apparatus.   

Agency debt is government backed through Fannie Mae or Freddie Mac and usually has the best terms but you need to be 90% occupied and meet some other standards. 

They can be slightly out of reach for many due to not being applicable to most government subidized loans, typically require 25%+ down payments, and often require strong cash reserves by lenders.