That is me, everyone is different.Hey Joe by a deal I mean  properties with some future value.

I have an awesome girlfriend of almost 4 years and is a big motivator for me trying to become financially independent so I can provide her and my future family a great life. 

Focusing your efforts on specific forums related to your interests helps in making relevant connections.Offering value before asking for anything in return can set a strong foundation for future relationships.

To help, I used Excel to forecast the future value (FV) of both options: 1) leave existing traditional rollover IRA in-place or 2) liquidate the IRA, paying the 10% penalty and 33% marginal Federal tax hit.I'm 15-16 years away from retirement and computed the FV of both options over that timeframe.

I hate to sound like jerk, but make sure in the future to always find these answers to your questions before you are about to close.

It has roughly 50k equity in it that I want to use as a down payment/full payment on a duplex in the future.

But there's still a total mismatch between people who already have systems and connections in place and those that (according to you) are unable to take action because they are missing networks connections.You've responded to questions and skepticism multiple times, but in all of your writing there is nothing concrete or that makes sense to me (and I assume others).

If I could turn this house into an str then that would really help me with lenders in the future as well.We might be able to qualify without a rental but it will be close.

I hope that helps you in the way you think about future investments.

It is important to be constantly educating yourself so that you know what is real/fantasy. 20 years into our RE investing journey and we work to find things to learn every single day.