The current volatility of the world and markets makes me think the housing and stock market is headed for tough times ahead. 

The typically volatile food and energy categories largely offset each other in November, as energy prices rose 0.4% and food prices declined 0.1%.

Will, do you see the rent volatility a little higher in the near future or do you see this as the new baseline?  

These end buyers tend to take out long term loans, where they run the risk of having their loans called at any time, can lose their jobs, especially in this volatile job market that we are in, and end up in a foreclosure situation, since they have a long term loan usually 15 or 30 years they run the risk of possibly having the property value decrease over time and have to deal with negative equity.

I’m debating on using private or hard money to close quick but with the current market volatility I’m not sure.

I am not interested in this as a get rich quick scheme so I will be focusing on buy and hold rental properties that can ride out volatile markets like we are in right now.This year has made it nearly impossible to network with people in person so I am hoping this forum can help.

., may have to invest in BTC, but that still doesn't make it right.On a funny note, I recently saw a Dave Ramsey YouTube video where he answered a call from someone who made $100,000 off of BTC from a $1500 investment (after a lot of volatility I assume).

In my area, I've noticed A LOT of investors (including potential buyers on this transaction) that won't even consider university/student housing due to how volatile everything is with COVID.What used to be one of the highest margin strategies just became one of the most risky - lower enrollment, more virtual learning, less renting demand.

I'm not a fan of either of these strategies in our current market unless you have a pipeline to off-market deals.SFH/land development (residential) profit is dependent on the emotions of the public - like the stock market but usually less volatile.

I would NEVER recommend someone use borrowed money to invest in a volatile asset.If you want to stick to the life insurance approach, it would be much, much safer to fund the $40,000 initial premium as you suggest.