Turns out one of the employees was homeless and living in the basement of the coffee shop. 

For this reason, it will be best to first transfer the 401k funds to an IRA and then process the distribution from the IRA. https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/401k-Resource-Guide-Plan-Participants-General-Distribution-Rules

Townhome/condo rent is flat at $1568.HAR Jan 2016 stats

Talk to some of the locals there when you get the chance, even if its employees in the arena, anyone that can provide you further insight.

The lease was also signed my employee, who has had no problem representing me in eviction court.

Those people are few and far between, and are probably either your employees or your competitors.

The traditional way would be to hire, train, and keep managers or employees that you can fit into the puzzle that is your business.

4) Lots of former Schenectady public employees are enjoying a nice pension and excellent benefits in their retirement.

I've found they can offer additional benefits to their employees.

A SD 401k plan is maintained by your company.So long as you and your wife are the only full time employees, and you have a payroll, a SD 401k allows you to shelter up to $53,000 each in 2016.