Apologies if my ?

Life Insurance Real Estate Investment year cash value loan cash value return investment return total return investment return 1 $ 85,000.00 $ 76,500.00 $ 5,100.00 $ 7,650.00 $ (3,060.00) $ 9,690.00 $ 10,000.00 2 $ 90,100.00 $ 81,090.00 $ 5,406.00 $ 8,109.00 $ (3,243.60) $ 10,271.40 $ 10,000.00 3 $ 95,506.00 $ 85,955.40 $ 5,730.36 $ 8,595.54 $ (3,438.22) $ 10,887.68 $ 10,000.00 4 $ 101,236.36 $ 91,112.72 $ 6,074.18 $ 9,111.27 $ (3,644.51) $ 11,540.95 $ 10,000.00 5 $ 107,310.54 $ 96,579.49 $ 6,438.63 $ 9,657.95 $ (3,863.18) $ 12,233.40 $ 10,000.00 6 $ 113,749.17 $ 102,374.26 $ 6,824.95 $ 10,237.43 $ (4,094.97) $ 12,967.41 $ 10,000.00 7 $ 120,574.12 $ 108,516.71 $ 7,234.45 $ 10,851.67 $ (4,340.67) $ 13,745.45 $ 10,000.00 8 $ 127,808.57 $ 115,027.71 $ 7,668.51 $ 11,502.77 $ (4,601.11) $ 14,570.18 $ 10,000.00 9 $ 135,477.09 $ 121,929.38 $ 8,128.63 $ 12,192.94 $ (4,877.18) $ 15,444.39 $ 10,000.00 10 $ 143,605.71 $ 129,245.14 $ 8,616.34 $ 12,924.51 $ (5,169.81) $ 16,371.05 $ 10,000.00 11 $ 152,222.05 $ 136,999.85 $ 9,133.32 $ 13,699.98 $ (5,479.99) $ 17,353.31 $ 10,000.00 12 $ 161,355.38 $ 145,219.84 $ 9,681.32 $ 14,521.98 $ (5,808.79) $ 18,394.51 $ 10,000.00  First, I have to apologize I did not read the data that you posted carefully before.But there are two things ( I highlight your quote):In year two, you are still making $10,000 in your real estate investment, while with the life insurance now you are making $10,271.The second year real estate investment should make more than $10,000, you compounded cash value but did not compound real estate investment value increase.Its 100% on one side at 10%, or 85% on the other side making 6% + 10%No, one side is 10%, another side 0.85*(6+10-4)=10.2%, suppose WL return 6%, interest 4%.If we assume the outside return (without WL) is R, WL return 6%, interest 4%.

U owe him an apology.   

Not even a day later somebody came with $195,000, when the buyer who asked to purchase it at 180 K called I told them we had a higher offer in place and I apologize.

Don,  First I apologize to you for this post.

I've been caught up in dealing with it all, so apologies for not responding sooner. 

I hope you like smokers, because they all smoke like chimneys and have no regard for flicking butts on your property....eventually my parents went on a trip and of course the sober house people had a perfect view of them loading up their luggage, and what ya know after 25 years of not a single crime...they were burglarized, by a homeless junky ******* that was friends of one of the residents or was a previous resident....The sober house operators were ******** and not cooperative....their are more than a few of their patients were loud obnoxious gang banger types, giving the hard stares and intimidation types of attitude.Lastly.... on more a general note... the affordable health care act made some seriously horrible changes to the way insurance can deal with addictions....it used to be that their was a limit to how many sober claims a patient could make, and then the insurance company turned off the tap....now, a patient can relapse as much as they want and the insurance has to allow them back into another sober program...it essentially incentivizes the sober programs to fail, because it assures them a steady flow of repeat customers.Lastly, I found the few sober house operators that I came into contact with, during this time, to be vile phony insurance fraudsters and street urchins, acting like their title made them actual healthcare providers.Just my 2c...and sincerest apologies to the 10%(if that) of the industry that are a really providing a quality and ethical service.

We apologize for the mistake -- this was missed in the editing process.

This is potentially going to be my first deal so I apologies in advance if my info and idea isn't as succinct as it could be.My wife's family is in Louisiana and looking to sell 6 rental homes as they are moving out of town and do not want to keep them as they were self managing.

Hi @Elizabeth Rose - apologies for the delayed response.