Therefore, if you have already maxed your employer contributions under your full-time employer plan, you will not be able to double up on the employee contributions to the solo 401k plan. https://www.irs.gov/retirement-plans/how-much-salary-can-you-defer-if-you-re-eligible-for-more-than-one-retirement-planAs far as your current 401(k) administrator not understating what you are trying to do (i.e., transfer some or part of your existing employer 401k), one way of determining if your current employer will allow you access your retirement funds while still working for them, is to check the summary plan description (SPD) for the existing plan.

I think the water/sewer is understated.

Again - I do not believe you will see this as your expenses are way understated and you will NOT be left with 9.6K.From your responses, it does NOT appear that your have any reserves in the event that a tenant moves out earlier then you expect or you get surprised by a major repair.

There are disclosure statutes under state law under which you may have a valid claim. 

If part of that agreement a QCD was made as a DIL (which is not customary) you could have that issue raised.That disguised sale or under state laws a foreclosure may be required.

@Jason Rhodewalt - FYI - Rancho Cordova falls under state rules and there is NO minimum lot requirement under those rules.Here is a link to the handbook. 

I suggest you limit the report to the lack of real estate license for somebody who was engaged in activity (leasing property for others) where a license would be required under state law.If the investigation discovers she has no license, then they can pursue her for that.Tha lack of professionalism, unfortunately, is more difficult to prove as a criminal activity.

It’s about understating the fundamentals of an asset which will drive value in the future.

Under state law, if a septic tank malfunctions within the City limits and sewer service is available, the homeowner must connect to the central sewer system. 

., provide the docs so the neighbor isn't understating the revenue).