@Aaron Hall  here is an idea for your 50k  buy a great performing first trust deed.. that has a 5 year term or so.you can make EAISLY 8 to 10% return which is what your trying to do..sit on the side lines and let the market cool for a bit but still get your return.. don't go into debt and be a little diversified being the bank as well as owning the asset.. plus the NOte will be at 50 to 65% of todays current value so that gives you some great equity protection.. that's one way to look at the 50k dilemma.. reach for something the herd is dong or be the bank and settle back and just collect your mail box money why you wait for the next buying cycle.

Women choose what house to buy.Tile's great in kitchens, halls, etc. but if you put it in a bathroom (especially at your $$ price point), you might consider adding radiant heating underneath.

For those not acquainted with farming and ranching, it's feast / famine, running on credit until the harvest or selling the herd,flock.

The last thing I will say is that I think you really have to make your letter stand out from the herd.

Averages out...Then of course in the high market, maybe now in Boston, you can "cull the herd" dump a dog that's not performing.

Tenants moving on their own volition also saves lots of money on relocation fees.The gross income last August was $6,100.We then started to fix up the units, made private decks, put in heat pumps in the upstairs units and radiant heating in downstairs units, re-did the landscape, put in covered and secure bike parking, fixed some plumbing issues, and took out a bunch of carpet.

It may also be time to thin the herd.

3- I have herd 0f people investing their money into a policy like this rather than their 401k or other traditional retirement plan as their primary source of retirement income ?   

You are a psychologist - read up on theories of behavioral finance, herd mentality and value investing.

You have to move against the herds.