They tax at a 6% ratio as opposed to a 4% Owner/occupant..which usually figures up to three times the 4% and then a couple hundred on top of that.

Let's see, just the quick, 490 balance financed, imputed tax at 3% = $14,700 one who is selling a half million dollar home, tax rate 50% =7,350, and they received 12K, so looks like they get about $4,650 that year, assuming there was no gain on the sale.

The taxation issue(s) as a result of her non-citizenship status was because the estate did exceed the minimal amount and because of this her estate had to pay a U.S. estate tax.

How is a life insurance policy with cash value superior from a taxation standpoint when compared with a solo K?

It probably because I have weathered the storms of bad investments, bad investment decisions, poor timing, stock market crashes, lack of experience, government taxation/regulation/corruption.

Avoid taxation.

Multiple LLC's have also some expense and certainly hassle associated with them. in Oregon we're charged annually and then there is more complexity with accounting plus annual taxation costs.

Also you need to setup the right entity in order to avoid double taxation etc.  

However, they aren't a magic bullet solution to avoid taxation and there are plenty of rules to abide by - the IRS isn't keen on just giving out loans after all.

Property tax at 1.25% (slightly conservative) for ~$800/month.