If you have stable income for current needs, self-directed investing can be a great way to grow retirement accounts for future needs.

We have ZERO retirement or credit that is not maxed.

I would recommend however opening a Roth IRA retirement account as the power of compounding interest over your working life will be immense, simply put a small portion of your income and dollar-cost-average over years.Most importantly, don't spend on liabilities and save most of your income to invest.

Why would I continue to save in my 401K and why would I not take advantage of this "10% discount" now and pull $100,000 out of my Retirement and invest in good quality rental properties. 

As long as you can afford the payments and have stable income and employment, owning your own home is generally preferred to renting and paying off your landlord's mortgage. 

Although, dog sitting is a good source of extra income and fun at times, we're not going to retire off of it. 

Once completed it gives an opportunity for stable income while you pursue your real estate goals. 

See below a checklist of items you will need:Copy of your Driver’s License(s)2 Most Recent Paystubs2 Most Recent Bank StatementsMost recent retirement/investment statement covering the most recent 60 days2 Most Recent Tax Returns2 Most Recent W2’s/1099’s2 Most Recent K-1’s, if applicable*If your ownership is greater than 24%, please also include copies of your 2 MostRecent Business Returns, YTD P&L and Balance SheetFor all properties that you own, please provide the following:Current mortgage statementIf you do not escrow for taxes/insurance or if you own free and clear,please also provide:Current insurance statementCurrent Tax BillCopy of your current/most recent HOA receipt, if applicableFor any/all investment properties, please provide a copy of your current leaseagreements, if applicableIf you pay/receive child support/alimony, please provide a copy of your completedivorce decree and/or child support agreementAre interest rates the same as buying a primary residence or higher?

Buying b-class turnkey multi-family in a stable market with good appreciation but low equity?

@Lee SyndergaardFirst I would make a list of all my assets and the way they are titled (bank accounts, savings, brokerage, retirements account, properties) and their value.I would bring also copy of will, living trust, advanced directive, and other documents regarding estate planning.Then I would also have a simple financial statement of the different investment properties and bring a copy of the lease agreement and insurance policy.The different topics that you would probably want to discuss with your attorney would be:Your estate planning,Your asset protection,Your real estate operation in regard to tenant selection, lease agreement, tenant eviction, security deposit holding and return, advertising regulation, licensing requirement, insurance.