@Mary Paras the fine will be reduced and you will not have a record ,,, i am not speculating as I have many years of dealing with 100s and 100s and 100s props,,,,, 

I did pull money out over a year ago (which reduced our rate to 2.75%) and put some into a Real estate syndication.

This has reduced my overall living expenses by 75%.

With increasing prices, 400k is difficult to cash flow but will still significantly reduce your housing expense.If cash flow is extremely important, couple levers you could pull:(1) Rent out the master to close the gap(2) Consider 5 bed and you'll cash flow at that price range.

Whether or not it can reduce your taxes in the current year depends on multiple factors and is case-by-case.Example: you're single, have a full-time W2 job making $150k.

Now to current market, every source is predicting reduced appreciation nation wide for 2022 compared to 2021, but the various predictions on San Diego have it continuing to out perform the national appreciation.  

Theoretically, you can reduce your ADB by funneling your entire take-home paycheck into the LOC account.

I could reduce repairs significantly by not having it.

Offer second floor units from the first building scheduled the chance to move over to one of the now vacant units in next building, maybe with a reduced rate, or maybe with a "moving expense" rebate, and allowing them to move back to their original unit when the elevator is again operational.

There are a lot of tools you can use to self manage and reduce the time needed to manage it.