The NAR has been taken on by the DOJ  many times without success, they were just brought to their knees by a personal injury lawyer and 5 normal middle-class homeowners.

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.

Want to stay in the middle of the country – not too far north or south.

You also benefit from the float, meaning that you get paid say $10,000.00 at the beginning of the month, but you don't pay all your bills right at the beginning, maybe some at the middle, others towards the end of the month.

So, maybe you sell a $50 massage gift certificate for $45 but pay the massage business $40 for it and make $5 in the middle.

Next, I would not make it a sub-lease and still have your current tenant in the middle.

They are not going to have DSCR options or LLC options or have any imagination on how to get a deal done that is not right down the middle.

You are now getting in the middle, becoming a mediator between them, and as it sounds now, it is doubtful that you will be receiving the full rent.

It's the entire ideology behind buying airbnb's in the middle of nowhere.

I have a PM that is the middle man but is also training me not to be a PM as well.