<prompt> Human: I currently have 55K invested in VTSAX in a taxable account, and another 60K in an IRA also all VTSAX. 24 years old, 90K income and currently living with my parents to save money.my parents own a number of rental properties, with something like 8 tenants in total currently. they want to buy another one in the same area, a foreclosure thats 250K will require about 50K of work. they estimate that the property will gross about 4K a month, or about 2.5K net after property tax, utilities, etc.my parents want to buy the house in cash, equally split down 4 ways for each member of the family, with each of us getting a commensurate share.If I cash out my entire taxable account and raid my IRA for 10K penalty free under the first-home exemption, that still leaves me short over 10K for my share, but my parents are willing to give me an interest free loan on that.This is somewhat appealing to me because it would increase my asset diversification beyond just stocks, but at the same time Id feel uncomfortable emptying out my entire taxable portfolio. Any thoughts or advice?  <response>: I wouldnt do it. Youre tying up your entire investment portfolio for an illiquid asset with a whole bunch of strings attached. Split 4 ways, so is your profit. What happens if you want out but your siblings cant buy you out? What happens if a sibling wants out but you cant buy them out? To me, this is not a good situation. Rental income is fine if you want it, but do it on your own terms. That 60k in 25 years will probably be worth a lot more than 14 of this home and 14 of the rental income for the next 25 years 