I am looking to invest in a multi family property in the Springdale or Rogers areas of Arkansas for the purpose of cash flow.

@Cody Hahn Hi Cody, so, for clarification purposes you basically went into the title company, spoke with someone and asked who is in possession of title for a specific property address?

I do not wholesale; the purpose would be to spec build .

You could then use these borrow funds for any purpose as they will no longer be considered 401(k) funds.

But the way around it is to give the buyer the 1098 with your SSN cut out (if you simply use a pen to black it out, a good scanner will still see the underlying number) so cut out your SSN and then they can use the form by putting their SSN in for tax purposes.

@Tyler HardyI had the same thing- the appraiser probably won’t change the appraisal for bank purposes, due to Fannie May Freddie Mac underwriting if it is below grade (below the ground surface).

I understand Private Money may eliminate this hassle, but for the purposes of education let's assume HML is my only financing available.

Airbnb’s review system has worked wonders for their success and we think it is truly helpful when it is used for its purpose.

Many if not most commercial lenders require a SPE (single purpose entity) for a deal they're financing. 

While I’m still getting my head around this concept, the 3rd option is to cash out my retirement and place it into a Whole Life Insurance vehicle (infinite banking concept) to take loans against it for around 5% for real estate investments while the policy accuses/compounds over time, ie. 5 years (super simplistic for the purposes here).