The cash value is quite literally the policy owner saving up the death benefit over the insured's natural lifetime.

SubTo, by it's very nature, is FRAUD.

This immediately struck me as odd as I wasn't aware of any form of compensation to the PM for any maintenance related activities, just 8% of gross rent and 1-month of rent to lease the property, per our contract.Naturally I wanted to understand the nature of this arrangement, specifically how much mark-up is being charged, so I referenced a specific sewer repair bill from 2015 that was $2,600 and asked him if he could provide the vendor invoice so I could understand how much the vendor charged and how much revenue the PM recognized.  

I'm naturally skeptical and was about to pass it up, telling myself that I probably wouldn't learn anything that wasn't already on YT or BP or in books.

When you run the numbers, there could be a scenario, on paper, where this makes sense cash flow wise, because of the interest only nature of the HELOC you have.

Section 8 tenants are by their nature low quality people who are very irresponsible.

Proper management and vetting of tenants can win people over but I think it's also human nature they'll never agree that it's better than what they thought should happen.  

Surrounded by mountains in a valley that naturally constricts growth there will continue to be a shortage of housing.

I am a real estate agent and a local investor as I said and investing in tourism sector in DR has different benefits:1- tax benefit ( no paying tax for 15 years )2- ROI +8% 3- Great Appreciation (natural and forced)4- financing 0% by the way, some residences are working with international tour operators and resort administrations like Windham who guarantee +60% occupancy over the year on your property. ( this is for long-distance investors )If you or anyone on this topic has any questions about it pls answer or DM me 

I would rather focus on the details of the credit report (such as collections and delinquencies and nature of those issues).)