@Andrew Pappas  the scenario you describe is a disaster waiting to happen.. owner carry low down transactions have a very high mortality rate.. ( default rate) buyers tend to think like renters.. and since they have no big down payment and no real credit at risk.. they will stop paying and NOW you have to foreclose to get them out then you have to evict if they won't leave after you foreclose.So let me ask who makes the payments to your seller your buying from when you have no cash flow for a year or more.. ???? 

That is after "mortality costs" though, which means after you fund the risk.

If you are getting a mortgage or using OPM (other peoples money) for long term financing (like most mortals do).

Account Closed  well you asked if there are any pilots I am one... and have owned numerous aircraft that I have flown for about 40 years now... wanted to be an airline pilot but that never happened so I had to pay for my fun.but its not all about the Aftermath articles.. if you go to COPA ( our Cirrus owners and pilots forum) there is all sorts of great and positive banter.. but yes when we have a fatal the thread is 300 to 500 post long and that is with 3000 members :)  But you talk about a site with uber networking.. as owner operators tend to be high achievers or successful business folks  of course doctors Lawyers CPA builders developers etc.. its fun to watch them go from buying a 500k cirrus to BRAGGING like you said about the 5 million dollar jet they just bought.. you can take it as bragging or you can take it as hey that's great I too want to do well and be able to acquire my own jet I know its been a goal of mine.. not yet reached and probably wont simply because I am now getting up in age that to owner fly a jet is probably not in my best interest mortality wise.. :)But your right you don't have all the folks get on her who do poorly in real estate people just don't talk about it the same.. the closest we have come is the Morris/oceanpointe threads of some really really bad operators it took a lot of guts for those folks to get on BP and say hey I fell for the videos and the freedom number sent in 60k in cash and now all I have is a home never rehabbed and vacant.. although in my personal opinion it more than a civil matter.

Then again, I don't have the scale, network, or experience Brian has, so he likely makes it look easy to do what us mere mortals struggle with :).

I told her I will be a better mortality estimator when I screen HUD applicants from now on in that case.

I see people with $100k+ cars all the time living in 1 bedroom apartments, it just doesn't make sense.You are young, pay off your debt from student loans etc, then save, then invest, then when you're 40 and you become suddenly aware of your mortality and have a midlife crisis, you can buy a lambo no problem.

Since this policy is maximum OVER-funded, there is no risk of the policy lapsing due to rising mortality costs.

How you want to retire is another matter, but we either retire or die, being mortal has a down side in business.

Remember that businesses pay tax after expenses - mere W-2 mortals pay taxes before expenses.