Have you investigated the ability to withdraw from a trad IRA without the 10% penalty due to the CARES act? 

Info that is produced for the masses wont include any of that because the answer that you seek are dependent on your situation.

I value your advice and know there’s no better advice than from the doers, so here I am seeking advice from doers.

I have a client that was told she would pay approx $12k in penalties for taking out $20k.

@Dave Foster can help you with them..BTW, from your post title, I was thinking maybe this was about “exchanging your spouse, tax/penalty free”.....that could have been an interesting discussion!

They language pertaining to late fees, penalties, and a timeline of events that will lead to the eviction process should the tenant fail to make timely payments. 

However, once your return gets a little bit more complex is when you want to seek out a professional.Your tax profile also adds more complexity as your profile suggests you invest in syndications.

Is there a way to determine whether a real individual is bidding against you or that it is auction.com algorithm seeking to boost the price?

You should be aware that you cannot rely on this answer to provide you with any protection against tax penalties.

Then there's two months in contract penalties:  The savings goes from $8,400 (less the penalty of $6400) to $2000 annually before moving expenses.