After 16 years at the university, I considered buying a franchise by rolling over my retirement funds, After researching the income return, I decided it was not worth investing all my retirement funds.  Since then, I have considered using the funds to invest in a duplex for rental income.  My initial conversation about using the retirement funds was with Benetrends.  However, since I informed them that I would not be using the funds for the franchise they have not answered my questions to see if I can use the funds for rental investment property.  Do you have any information on this Rainmaker Plan that is tax deferred and penalty free.