I gave you some wise advice on promoting your ebook on this site and you blew it up. 

Currently living in apartmentWorking full time as a management consultant and also in grad schoolLiving below our means and currently building savings for emergency fundsBlessed with a promotion that will allow us to build savings at a faster rateEstimate to have $30k in savings in 12 months time (depending on how well I control my Chipotle cravings :) )Plan for first property acquisitionfirst property will be primary residenceFind distressed / REO property (4/2/2)use FHA 203k loan to roll in rehab cost and put 5% down (heard doing 5% instead of 3% means no PMI, need to verify that)Plan for investment property acquisitionsAssume rehab yields 25% ARVUse HELOC and savings to purchase first and subsequent investment properties as soon as possible.Overall I'm looking to force equity in a primary residence and use HELOC and savings to start acquiring properties.  

---Buy and Hold, these would cut into your cash-flow.One late payment and your promotional rate could end.If you don't  pay the balance owed within the timeframe you face enormous rates (15-25%)I've never gotten into trouble. 

But Thomas has a business he's trying to promote doing things via the whole life insurance way so he's got to prove himself right.  

So, if my investment strategy is to "buy and hold" rental properties for capital preservation, hedge against inflation, tax advantages, passive income (positive cash flow), and the fact that it's a tangible asset and NOT in the shorter-term market where the flips/rehabs trade, then I don't need to worry about the ARV value? 

Most people would agree that it's a good idea to invest in real estate because it is a tangible asset and you have control - compared to the stock market, where you have very little control.

So there really isn't much you have to modify to reach 20%.I'm sure I'm sounding like I work for the company (I am an affiliate though) but that is just because I love their sites and the message Trevor and their company promote.  

Shawn, I'm not an administrator but I think when you're promoting a property you have to list it under "BP Marketplace" which requires a plus or pro account.

BP is a wrong place for you trying to promote your scheme.

There were no real estate signs promoting a sale or contact information anywhere.