Apologies for your experience @Todd Weber. 

I apologize that this wasn’t your experience.Moving ForwardI would love the opportunity to personally address any questions or concerns you have about our program.

Apologies  this was my first post online here.

My apologies fort the late reply! 

But the GP apologized for filing composite returns as it resulted in some LPs not being able to utilize their GA losses.

Apologies if my ?

U owe him an apology.   

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%.

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.