Well, if approval of assistance animals was tricky before, now it'll get even more confusing.https://leadingage.org/hud-withdraws-wide-ranging-fair-housi...

If you’re under 59½, be careful about taking a direct withdrawal from your 401(k) for a down payment.

With that much equity and a solid rate, I’d preserve the first mortgage and add a second: shop local banks/credit unions for an investment‑property HELOC with draw‑as‑needed and interest‑only terms, or a closed‑end home‑equity loan if you want fixed payments; avoid a full cash‑out refi that resets your great rate.

Also got depreciation tax benefits. 2% appreciation and we're already close to stock market returns.With retirement planning, it's generally held that a 4% safe withdrawal rate from stock market holding.

A Roth IRA is excellent for long-term tax-free growth, but contributions are limited ($7,000/year at your age) and early withdrawals are restricted.

Lesson learned, not all banks operate the same...I managed to pay my bills that allowed direct ACH within accounts, but essentially I have to go to the bank, withdraw cash until the new cards show up.

That's easier said than done, and you're only going to create that level of income if you execute and self manage well.If nothing lights you up, I'd invest in index funds and pull money out at a 5% withdrawal rate (gets you halfway to $40k), stay completely liquid, and have none of the hassle factor.

You’d pay ordinary income tax on the full withdrawal plus a 10 percent penalty, which can easily wipe out 25 to 40 percent of what you pull out.

You will eventually figure out what makes sense for you.

I am interested in learning about creative financing for this rehab, networking, and eventually growing my LTR portfolio to several units, with some potential added flips along the way.