Challenges include finding a lender familiar with IUL, meeting credit score requirements, affording fluctuating payments, and planning principal repayment.

I do have a fear that these high LTV Loans can present increased risk of foreclosures for market price fluctuations that are not that extraordinary.  

The problem is you have to work much harder to get people to pay top price and any fluctuations where rent growth changes you are now in negative income growth position.

I've been doing my research and have been closely following the real estate market, but I'd love to hear your insights and advice on how to approach real estate investing in order to escape the 9-5 rat race, especially given the current market conditions.From what I've gathered, it seems like the market is quite competitive, interest rates are fluctuating, and housing prices are on the rise.

If you are well versed in geopolitics and energy market trends and fluctuations (and have a crystal ball as a backup) you could conceivably make that element work to your advantage.

Market Risk: Real estate values can fluctuate due to changes in the local real estate market, economic conditions, or shifts in demand.

How do you maintain the value of your land, especially for ranches, amid fluctuating market conditions and challenges?

Hi Genele,It can fluctuate depending on the credit bureau and credit company the report is being pulled from. 

It is going to fluctuate with oil prices.

Yes, most of them are traded publicly so the prices fluctuate with the market, but they're still backed by the hard assets and a lot of them pay out some great dividends.