Is this a good way for me to accumulate properties or is there a better ROI out there?

That means you have to accumulate $75k/year, every year, for the next 15 years to buy the same property, every one of those years. 

Being young and barely going to the doctor i have accumulated a few thousand in an HSA that i use every once in a while to buy new prescription glasses or contacts.

@Marian SmithThat is very troubling that your accumulated depreciation is not showing.You normally don't have to worry about that figure as it is normally rolled over if you use the same accountant/software provider.You may need to go back to all the returns that you filed and look at the depreciation taken on the return.If accumulated depreciation is missing, I would also be concerned if depreciation was taken every year...

If you are seeking out asset accumulation and equity appreciation over the long term then there are certainly fortunes to be made in New York.Let me know if you would like to chat further.

You might be able to identify that the property is disposed of removing the accumulated depreciation.Not something easy to do.

So in a sense, wouldn't a larger death benefit allow the potential for access to a larger loan against the policy, that in turn allows for more real estate financing opportunities through the policy, even if it means it takes longer to accumulate the cash value? 

Take your time and accumulate money and knowledge.

If so, tenant should be responsible for creating a potential hazard if it is mostly grease accumulation.

So let's visit "reality Island"  (LOL) and try this out with realistic numbers.1 - Same house - $100k in price2 - Same DP = 30% = $30k3 - Same Loan = $70k4 - Same terms (7%, 30years) = MP = $466/month5 - Realistic CF = $500/month; $6k/year, all put back in...6 - Realistic early payoff in 14 years.7 - Total interest reduced = $48,3438 - Total added cost to you from CF (#5) = 14yrs * 12 mos * $500 = $84000...right away, the added cost to you using your CF is $38k more than the reduced interest, but that's not the real problem,...9 - Total cost to you = DP + extra pmts from CF = $934/month;  $11,20810 - At the end of 14 years, you will have paid $84,000 for the property, with no income/profit.11 - New CF = $966/month; $11,592/year12 - Number of years to recover total cost (#10) from accumulated CF (#11) = over 7 years.13 - Bottom line, doing this would mean you wouldn't see a profit for 21 years...and a lot can happen in 1 years, ...what about 21?