One thing that wasn't mentioned is that the road leading to many of the homes often floods making a good portion of the rental homes inaccessible during storms & also resulting in early evacuation due to storm threats. 

The biggest threat to her not getting her money is you structuring a bad deal and then having to default on the loan!  

They disappeared and when we tried to go after the EDM the title company was clueless on what to do.

Since the White Coat Investor analysis I posted earlier seem to be debated by others yet to post counter-point sources I'll share another source that I found while researching WLI a few years back, Consumer Reports. https://www.consumerreports.or...In this analysis from one of the most independently-funded, unbiased consumer advocacy groups in America the outcome was the following: < 5 years: poor investment (versus term)16 years: you break even on cash surrender value + value of insurance received+20 years: dividends exceed term + treasuries alternative, surrender charges disappear In sum CR concludes: This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

@Carol Venolia - don't let a tenant's threat of legal action worry you.

Mortgage Program will Exacerbate InflationU.S. federal government spending "is the biggest threat to disinflation and lower interest rates" (Piper Sandler).

They talk about all the money they have made and then like magic, they are gone (although I am sure Josh makes some of them disappear).3) The "gurus" themselves show up in defense of their programs.

A decent portion of S8 tenants don't pay their portion of rent or utilities - sticking it to their landlord.Forget about using the threat of having their voucher taken away, as that doesn't really happen any more:(We manage almost 700 doors in Metro Detroit with almost 100 S8 tenants.

It's unlikely the house is going to disappear after the 15-year depreciation period is up.

And the legal threats, lol, welcome to being a landlord.