This concept illustrates the breakdown in the utility of the numbers being used for the calculation.

There are only 2-3 really good companies I use for IUL and I like to run my illustrations at conservative interest rates and max funded. appreciate your comment and insight. best,Mike 

This example illustrates why UBTI is NOT necessarily a bad thing.

On a complicated property, it can easily take a couple hours or more just to put the contract together.I dont know what the case is in Washington State where the op is, but this illustrates how this can vary from state to state.

@Jay Hinrichs Maybe your story is illustrative of one of the differences. 

(Yes, I know I have simplified the math here a little and used round numbers to illustrate the mechanics).Inflation is another factor in this game.

(just for illustration purposes) If you find high crime, bad schools, businesses leaving, low rents you might find homes for sale at a lower price but they might not pay returns... 

:-) Your story also illustrates a life of faith: "Now faith is confidence in what we hope for and assurance about what we do not see" (Hebrews 11:1 - I believe I see a cross on your mask in that picture, so I feel comfortable quoting the Bible here).

We would not use a COC/ROI metric to compare but we can take a little bit of a better look for illustration purposes.  

On my website I provide lots of great information, real life stories and give an "honest" illustration of my experience.