So not sure if this makes any differences for tax reason buti was thinking of using my 401k money as a loan towards the down payment for a multifamily rental. I don't plan on opening a LLC ..  Could i take any of the ...

I think I have two options.

Agree that amount looks very small another option, not sure what your goal is, but if you are looking to purchase some down the road, change up your strategy and maybe do a personal line of credit for now.

@Phil AveryConsidering your financial situation and the current market conditions, each of the options you're contemplating has its own merits.Given your inclination to begin with a significant amount of equity, option 1 may be a good fit for your objectives.

Will it be the best option?

This is a great option to bring in familiar tenants for their environments. 

You could also consider lease options which may help with your fear.

I think Columbus is a great option to consider.

Or would their be a better option that I am not thinking of? 

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