Whole life insurance is the only financial vehicle/tool that provides high net worth individuals and families in the later stages of life the ability to do estate planning, contingency/succession planing, and tax planning, while still providing the opportunity for appreciation.

I am planing to purchase a 10 unit commercial property.

As an investor in the area, I want to point out that this is extremely close to the Flint River and although not 100% sure, I would venture to say that this is in a flood plane and probably has flooded before (Google Flint River - flood of 1994).

So I'm getting maybe ~80% of the accuracy of what I could paying a GC to walk the property but I'm getting it free and (most importantly) before I buy a plane ticket to come out.  

A plane ride to some place in US where properties are cheaper would be a must for you to succeed.

I was getting ready to do pre fab granny unit total cost with separate utilities is going to be around 170k for 2 bedroom my area allows 1000sqft and rents are around 1600-1800 I talked to the planing department I may be able to build an actual house up to 1600 sqft fees and build out would be more but it would be a true duplex.

That happens to be exactly what I was planing to do. 

Maybe not profitable, but from what I read on airhostforum - they get quite a few questions from guests about bike rental, because they might be traveling by plane.

Planed to do it myself however I want to look at all options.

I had to patch a crack in the wall and I've planed most of the doors in the house so they don't stick.