Ernst & Young Plaza went into receivership in May, and Gas Company Tower went into receivership in April.Here are several graphs illustrating the current commercial office market in Los Angeles county:Access the full Los Angeles county commercial office market report here: https://d2saw6je89goi1.cloudfront.net/uploads/digital_asset/file/1170821/Los_Angeles_-_CA-Office-Capital_Market-2023-10-02_a_compressed.pdfData includes: Sale price per unit distribution, cap rate distribution, cumulative sales volume by year, months to sale, recent significant sales, vacancy rates, market rent per square foot, construction deliveries/demolitions, economy, job growth. population growth, and Los Angeles county sub-market activity.

If they will do a loan with less than 1, the pricing takes a hit.I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

For illustrations sake, let’s say it’s 30% STOCK index funds/20% TIPS/30% Real Estate/10% Commodities/10% Metals. 

It illustrates the importance of meeting the debt service coverage criteria.My $0.02 ...

An example will illustrate this point.Suppose that every time you go to the grocery store, you buy the same basket of goods and today they cost $100.

He dedicated the rest of his life to illustrating and animating each and every story from the bible and spent his free time carrying around a big heavy cross while wearing a real crown of thorns and flagellating himself with branches, to emulate Christ's suffering.

I've included an example below to help illustrate this.

I agree that the proper way of illustrating this is to mention that you are using OPM (other people's money) by taking the loan from the insurance company that is secured by the collateral of the cash value.I illustrate this concept by max overfunding on day one. 

If you look at a properly designed illustration in the later years, the difference between death benefit and cash value is minimal, hence the insurance company is "on the hook" for very little, which causes the policy costs/fees to be lower.Thirdly, I agree, the loan is much more important than most discuss. 

Here is the info: Residential Construction Basics, 3rd Edition Total Credit Hours: 7.5 Skill Level: Basic This fully illustrated course shows how a home is built, beginning with the foundation and following with each step until the structure is complete.