If the market is crashing after you've bought at the top, you're probably losing money any way you look at it.

In this process, I would be losing $200 of cashflow to pull out roughly $35K. 

If you want to feel like you’re not losing ground, read a book.

If the duplex is making money comfortably and you don't see any red flags (neighborhood going downhill, area losing jobs or population, etc) I would keep it and grow your portfolio by whatever means makes sense

@Bradley Kovach It really is hard to lose on an investment here in Houston.

Right it is crazy, I was going to follow through and find another reason for eviction, but after reading the NJ laws right now on eviction it states you can serve a year in prison if you evict someone and then they get Covid and pass away from it because it would be looked at as your fault for making them live with another family which increases their odds of getting Covid so its a lose lose.

Some lenders will not do the refinance because ultimately they would lose money from the original loan with investors if 6 payments were not made.

You will learn a lot from taking action and lose a lot from inaction. 

I generally don't like the idea of borrowing against a 401(k) for any reason mainly because of risk that the loan will be called due to something outside of your control like losing your job. 

The only “work around” is if something unintended comes up, such as a deployment, you lose your job and need to move for a new job, have triplets and need a bigger place, etc. then you can legally move before the term is up.