My shrink (and I am crazy and have been to many of them) told me many times not to play god with my money.

If you have to spend 20k, but the property will be worth 50k, that's the profitable business, but to your point, if you don't know what you are doing, those margins will shrink.

Here's how you can shrink that time as well.What will it be worth?

FIRST AND FOREMOST answer the simple question: are # of jobs growing or shrinking in the sub-market?

The value is in the lot so not worth $506k but still nice appreciation.Like New York city people are fleeing but some savvy investors are staying in Portland because the rental stock is shrinking which drives up rents.

For tenants who stay year after year, the security deposit over time shrinks in relation to the monthly rent to the point where it's clearly inadequate.

Make no mistake about it, Wall Street is finally gobbling large chunks of the real estate market, moving the prices way up and shrinking the inventory.

However what you failed to mention, is that because you overfund the policy, the risk for the insurance company is lower because the gap between the death benefit and the cash value is shrinking, so the cost of insurance is also shrinking too.There as been a lot of false fear mongering about IUL spread by the Infinite Banking people.

I think you'd be shrinking your investor pool. 

@Kathryn Schauer, whatever you do, do NOT put any bushes or trees next to the foundation (I.e. within 3-4 feet) as it can negatively affect your foundations’ performance, assuming it’s a slab-on-grade, or pile suspended system if there’s any shrink/swell on expansive soils.