From reviewing some of the posts online I saw that there is a local REI meetup in Lake Forest this Wednesday evening and I will be attending.  

The interest you are paying on the loan is paid back to your own retirement account so you are in essence helping it grow and if your money were sitting in a money market earning 0.5% it would make sense to take the loan out and pay interest to your own retirement account instead of some creditor and this would also mean that your 401k is getting guaranteed 4% interest.All of the above and more need to be taken into account in order to decide if this would be sound financial decision. 

Vincent,  what lender do you know who will let someone do 20% down when they have no credit or income?  

Surround yourself with as many like minded people as you can be it online and offline.

They dont' need a device if they are going to take only inbound calls, you can just forward the calls to their local cell phone using online vonage tools.

I have Kaplan as one my online ones.

All I could find on here and online was some feedback on his seminars.  

If so I live outside of USA, so can I do this online)?

Often times the property is in an auction and you have to bid on it online, or it is on a website for bank owned properties where you submit the offer.

Is there a way to make an application online and get a copy of the docs from the Riverside county website, or any other way?