Given a worst-case growth assumption they can calculate the amount of premium they need to make that happen.Because of the premium flexibility in a universal life policy, clients could UNDERFUND the policy with the expectation that rates would be enough to offset the a lower premium.

I still underwrite with a debt assumption, so it doesn't make sense for me to spend too much time on a deal if there is a good change of an all cash purchase.

Or there may already be an assumption of debt component (It's generally non-recourse) as you'd see in a DST.A second option would be to use a zero coupon DST to absorb the debt in your 1031 along with 18-20% of your proceeds. 

@Oasis Duenas - Yes, you can always inquire with an experienced real estate agent to run a comparable analysis of the ARV under the assumption that they may list it once you are completed with the flip.You can also do it yourself. 

Thanks for the response and please feel free to correct me if my assumptions are wrong and these can be competitive term-wise

Chicago demolition inspector is sneaky, devious, disrespectful, plus quick to be both highly rude & negatively-assumptive.

Share your assumptions below for a tailored model and insightsNeeded: Rent, Rental Growth, Occupancy, Interest Rate, Loan Amount, Property Tax, Maintenance Expenses, Purchase Price, sum of all Closing Costs (including commission), HOA Fees, and Renovation Costs.

@Kermaury Musgrove no first-time story, but some education:)Every market is unique, but the Midwest markets have a lot of similarities and are way different than the market in California.In Metro Detroit, we rank all the suburban cities and the City of Detroit Neighborhoods as Class A, B, C & D.Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.So, when investing in areas they don’t really know, investors should research the different property Class submarkets.

I see some folks are making the assumption that this will dissolve the MLS all together. 

Has anyone used https://www.umeprojects.com/ for loan assumption?