Carterw65, as per your title:
“They say I am Crazy”
Personally, I would be more concerned if “They” (your co-workers) start saying that you are a genius and then start saving their dimes for a MHP.
Before the Stock Market Crash Joe Kennedy stopped to have his shoes shined. The boy who was shining his shoes offered Kennedy the following stock tip: “Buy Hindenburg”.
Joe Kennedy was credited with saying and doing: “You know it’s time to sell when the shoeshine boys give you stock tips…”
Yes, you are correct that you might forfeit some of the advantages of your 401K.
However, the pros of an income producing MHP outweigh anything that you might forfeit on the other side.
Just be thankful that your co-workers ‘say’ that you are crazy…at least they will not be out there trying to get that MHP that you are interested in :-).
We wish you the very best!