@Harrison Sharp so if I don’t plan on occupying it’s not possible?

It is surely a painful and time consuming process and I guess you also need to weigh whether the amount you need to recover is worth the additional costs and time.

It's just a bit of a pain as you get more conventional loans because you have to provide additional documentation about it.

Makes running the laundry such a pain in the butt.

There are some growing pains (20,000 to 35,000+ agents in the last year), but the value proposition is hard to beat.  

this information im giving you pertains to removing someone from a property. first let me tell you its gonna me a painful headache.Having to pay your tenant money to leave it may hurt, but its often the your best option. you might have to pay more than youd like to speed the process up.You cannot make people do something that they feel isnt in their best interest,even if they are morally wrong. you can also find the tenant a new place to live using your property manager.Also you can offer to pay a small percent of their rent the first year.basically you want to make it as easy as possible for them to get out, maybe pay movers to move all their belongings as well. you dont have to do all these things try a few if not combine them all and see what works. best of luck!

As far as the debt pays down with the 401k or the IRA, it sounds like in your situation the pain of the debt outweighs any penalties you might incur. 

(But take enough down that it would be far too painful for them to walk away!) 

@AJ Shepard Thanks a lot for the advice, especially from someone who understands the pain of our profession! 

Im going through these growing pains.