@Brittany HeilI'm not certain if this applies to all markets, but our lender (and loan product) and property insurance company expected us to move into the Primary residence within 1-2 months.

I don't know him personally and I haven't used his product so I can't sit here and give you an honest review.But what I can say is that this statement from his sales page is very suspicious.

I asked a dozen times for someone to just walk me through 1 deal from start to close for a $15k product you would assume that a couple hours of one-on-one time would be included but it's not.

However, congregate living involves many enhancements to the dwelling other than just a typical residential house.

I am a Veteran and have used the VA loan product myself with no issues personally. 

.$168.88 Simmons Premium Hybrid Memory Foam Mattress 10" - https://www.amazon.com/gp/product/B09PFJNFV4/ref=sw_img_1Could be a good mattress.

Normal wall assemblies require tons of different products like lumber, drywall, insulation, sheathing and siding to meet these needs.

I think it's something like "supplemental lines"  where those providers fall outside the normal providers somehow - which gives them price permissions to charge more for their product - but at least you get the insurance.  

It may look like you are overpaying on it on paper but if you buy nice product in nice locations you will appreciate and be well occupied at the same time in my experience.  

But if you look at annuities, they are an insurance product, not as much an investment product.What insurance companies do with your money you invest in their annuity is put it in the stock market and keep the difference of what they pay you and what they make in the stock market.