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...

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.

You don't want to be in a position where you take a huge 401K withdrawal that it puts you in a much higher tax bracket where the added tax you would pay would be more than the added return you would get with real estate than whatever your 401K is invested in.Your net worth is about $1,500,000.What are your annual living expenses?

Tax free ATM withdrawals are ALWAYS going to be favorable over taxable ATM withdrawals. 

Life/safety obviously should have no limit.

Baselane seams to be more normal for transfer/deposit limits and you can create multiple virtual accounts for each property.

Unfortunately the listing agent was playing games and we ended up withdrawing the offer because we no longer felt like we could trust the Seller or the listing agent.

I requested a formal withdrawal of my application with documentation that it was withdrawn, as it was not an appropriate loan program for me and I was not comfortable moving forward.

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.

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.