But that sounds like a low paying job to me.From what I've seen in the area, you need to do substantially better than the 1% rule to make sense in the City of Syracuse because of the high property taxes (~3.4%) and high cost of capex with the brutal winters and relatively low income population.That's just my observations, I'm by no means an expert.  

I am so DETERMINED not to let this happen and that’s why after 4 months of not doing ANYTHING I’m reaching out on BP for some expert insight and advice.

Better off you find some experts and figure out what sorts of things you can do for them to add value to their journey.

@Matt Moore I'm definitely not a wood expert, so I'm sure someone on here can figure this out easily.

Best to consult a mortgage broker on source of funds requirements for FHA as I am not an expert there.

Unfortunately, my husband and I are not foundation experts and it’s a little more complex then what I described.

He is an expert on the matter.

Or for accessing prior to 59.5, any of the assets you pay taxes on during the conversion, you'd then be able to access after 5 years.I'm not a Solo 401(K) expert, but maybe if you did receive a refi on a property owned outright and had additional funds that were required to stay within the account, this may be a way to get them out and have full access without penalty in 5 years. 

I’m no expert but in my mind It’s easier to do a land contract and sell it with a good down payment with 8% interest for 10-15 years .

Experts estimate that around a third of all American adults have a credit score below 601 (https://www.foxbusiness.com/features/how-many-americans-have-bad-credit) and so are considered a poor or bad risk.