Insurance premiums run $766 a year.Gross rents, with a 10% vacancy rate, would be $5,076.

25% of the option premium or a flat $1000?

Of course the money must be used for med expenses, but you end up saving money on medical insurance premiums and by self-directing the account, it can grow to a sizable account for not only medical expenses in retirement, but an account which can be passed down to heirs.Any thoughts, experiences, etc.?

That's true.But top earning real estate investors don't (usually never) wait for appreciation.Big RE profits are based on improvements, buying at discount, best use, selling at premiums and other profit possibilities.The graph of Growth of Stock vs. real estate doesn't apply toRE investors that don't prefer the "wait and hope" 'technique'.The graph of Growth of Stock vs. real estate does apply tolong term holders.

`(i) Premiums- For each refinanced eligible mortgage insured under this section, the Secretary shall establish and collect--`(1) at the time of insurance, a single premium payment in an amount equal to 3 percent of the amount of the original insured principal obligation of the refinanced eligible mortgage, which shall be paid from the proceeds of the mortgage being insured under this section, through the reduction of the amount of indebtedness that existed on the eligible mortgage prior to refinancing; and`(2) in addition to the premium required under paragraph (1), an annual premium in an amount equal to 1.5 percent of the amount of the remaining insured principal balance of the mortgage.

You may be able to get a slight premium, but probably not enough to cover the extra cost.

Guess what we found.First we found a busy neighborhood with a few homes for sale and offered to pay for a sign and give them our premium package free...Great advertising.

Your coverage will be terminated as of the first rental day and your premiums will be refunded.

I thought that college kids at the university in my town would possibly pay a premium to live in a "smart" building or a green-rehabbed building.

Getting rid of the premiums on that extra 1 million would be nice!