re: Borrowing money from 401k...how does this work usually?

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It sucks to be my age and looking for a home in town unless you have a super rich family or get paid 200k a year. Rent is super high too. 1 bedroom places in town are $1,500 and up a month. 2 bedrooms 2k+.

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sounds like denver. And we have legal weed.

But in denver to get a house in city limits, you are looking at least 350k. And that would likely be transitional neighborhoods. To get into the nice hoods, you are looking at 500k+, probably closer to 600k for something decent.