Additionally, a larger property like this is valued based on the actual cash flow, not sales comps, so you have the ability to force appreciation faster with efficient management.Adding the a 5-10 unit may also increase the amount of time you spend getting you closer to the 'Real Estate Professional' status for tax purposes opening up room for offsetting some W-2 income on taxes.  

I know it is alot, but I thought with a open schedule and possible ability to get this property at a discounted price it could bring in some return as I would have an easy tenant and location is perfect. 

With cash value life insurance whatever is left after paying salesperson's commissions is earning a nominal return, you don't have the ability to invest these funds (unless you take a loan from the policy, think of this, you have to borrow your own money and pay interest to the insurance company on the loan!

I have some brokers telling me that it's still a rent PSF calculation, but I'm just not seeing how that's an accurate way to price it b/c of the effect a drive thru has on the ability has to drive traffic.

Key elements include paperwork, third-party inspections, and critical dates for due diligence and closing.

I have a visa and although there are advantages to having my visa for lending and travel, it also allows me the ability to live in the US without restrictions that a Canadian would have without one. 

I want to build a legacy for my family and have the ability to take care of my parents and in-laws in the future.

Is building over the drive through limiting your ability to punch a hole in a wall, re-stripe the traffic pattern and, and put in a restaurant drive thru, when/if the time comes?

In 2022 following massive industry changes, on the heels of COVID, I decided to pursue opportunities that would give me the ability to travel a bit.

Terms for the seller 2nd have generally been 5%, interest only, 5 years.I'm only considering properties under this scenario that cashflow well immediately, hence the i/o payments, in addition to having a strong value-add element.