You are making an arbitrage already by 1 to 2%.But then, if you are using a bank to get that line of credit, and use the loan to invest, your interests are deductible.You then reinvest that money that will provide enough cash flow to pay the interest and continues to grow also.I would suggest that you check @Thomas Rutkowski website and Youtube channel You can use a Whole Life or an Index Universal Life Insurance for this strategy.

I own a house near a university where I rent by the room.

Miami University in Oxford, Ohio or The Ohio State University in Columbus, Ohio) and major southern cities (Charleston, SC, New Orleans, LA, or Tampa, FL).

I have some draft Operating Agreement language that I think addresses your points on equity retention and adding a third party.

For example , in the southwest region we have Hometelos, Matt Martin and PemcoThe universal number based on people from around the country seems to be 87-88% as opposed to the 90% you indicated for new and extended listings that have not been reducedThe timetable and amount of price reductions seem to vary slightly by region as well. 

I’m sure there are ways to make money with whole life or universal but the fees are outrageous and the payouts are not what they seem to be.  

Prior to the site, I was set on areas around the university of Toledo, but after a few months searching, I’m still holding my bag. 

that clause wont fly in most markets title company will still want their cancellation and escrow disbursement form filled out and signed by both parties before they will release.I help our investor clients by drafting automatic release language for their contracts that we will follow.

We also have some in 44306 for higher cash flow and less appreciation with one being student housing for University of Akron.

It's written in plain language that landlord and tenant can understand, and the forms are very thorough.