Btw I know life insurances very well and had applied for a real private license for a bank in the past so all these infinite banking concepts etc can easily be exposed once you compare them to the right real estate strategies I know such product may help those who are not in real estate but on BiggerPockets I think quite a few people here are exposing the truth about WL and borrowing 85% against 100% to make 6% (That May be correct math but it is a terrible return, if you call that a return!)

I currently don't own a home so the second home mortgage wouldn't apply to me.

Adam is correct on this one.Rent money is "earned" when it is applied to a charge.

I've applied for and been approved for 2 different Chase ones over the past 2 years and have been happy with them.

It's time to learn to stand up to them.I have a clause in my lease that basically says they were given the chance to inspect the property before applying for it.

(f) Unpaid assessments under the Improvement Bond Act of 1915 (Division 10 (commencing with Section 8500) of the Streets and Highways Code) that are not satisfied as a result of the sale proceeds being applied pursuant to Chapter 1.3 (commencing with Section 4671) of Part 8, or that are being collected through a foreclosure action pursuant to Part 14 (commencing with Section 8830) of Division 10 of the Streets and Highways Code.

I'm seriously considering applying for Brent Daniel's TTP program.

House hack will be great place to start, fourplexes are reasonably priced in San Jose, but keep in mind the rent controls apply to 2+ units. 

Every lender will have their own method/calculation, but most lenders will assume some amount of a minimum payment and apply that in your DTI calculation. 

If unclaimed after a certain amount of time, I can auction the storage unit off, apply the funds to the deceased person's account, and then turn the rest over to the state as unclaimed.There's much more to this.