However, I'd be curious how the second position lending would impact buyer's option for assumption.

Since then, as an investor, I have remained interested in the impact of racism in real estate. 

That is a huge cut from your $160k budget which could impact the ARV.  

In my area designers are in the $120 to $200/hr range so if it adds value do it for sure but on small scale projects I really don't think you will get that much impact especially for a vanilla basic house flip.   

Market conditions, economic factors, and other variables can impact investment performance.

For example, a $1 million policy could have an initial commission of $50,000 to $100,000, significantly impacting the policy's cash value in the early years.Limited Access to Capital: Accessing the cash value requires taking out a policy loan, which accrues interest, typically at a rate of 5-8%.

The shorter the prepayment term has an impact on increasing the rate.4.

The shorter the prepayment term has an impact on increasing the rate.4.

If your target demographic (upper middle class/upper class/government workers) for your STRs are less impacted by these factors then that market will produce a better return now.7.

Would that negatively impact my ROI?