@Dakota Mivshek From my recollection I think mostly I was dealing with the secretary of the company or some assistant and these people are all unlicensed, unprofessional, basically don't have any concept of how to structure contracts or even withdraw from a contract unfortunately.  

Hey Aaron,Unfortunately, this does not exist. 

Unfortunately, the numbers are not ideal, i wouldn't have any cash flow.  

However to your point, using them for only a a few loans in a policy that wasn’t designed properly, wouldn’t be worth it.Most of the people who downplay it online, don’t explain the full picture unfortunately.

Yes, but unfortunately mostly from education not from a book, but through personal experience. 

Consider your priorities and circumstances carefully to determine which option aligns best with your goals and preferences.

Unfortunately, I am not a broker so I can’t legally do that in MN.  

Unfortunately @Sam Dalton no such conventional thing exists for same day because the prevailing system is all about the "float". 

Unfortunately many PM are less than honest, and you may have to protect yourself by filing a complaint with your state's realty bureau.

If properly setup and funded, at year 5 you should have the cash value very close or above the total amount that you have put in and overtaking it thereafter.Your situation is unfortunately an example of not using fully your policy.