Access to Cash Value: A properly structured permanent life insurance policy (like an IUL or whole life) can build cash value that you can borrow against for property acquisitions, renovations, or even as a safety net during market downturns. 2.

@Shaun Ortiz providing for the future needs of my family, RE is my retirement planning vehicle of choice.

@Eric L Conry you are essentially borrowing on your property to buy stocks.

. - Hence why all the DSR loans we've seen have a required document the borrower signs that states the lender will start foreclosure proceeedings if the borrower ever occupies the property.Please correct me if I'm wrong or clarify anything I missed.

You don’t want your lender to go out of business while still holding your construction escrow funds.Can you provide me with the contact info of some recent borrowers?

The choice is fairly binary between convertible sofas and thin mattress sleepers. 

After a set amount of time, you get the choice to complete the transaction (buy the house) at the agreed price or not buy the house and the owner keeps the extra amount of the rent payments. 

Quote from @Jaycee Greene: I completely understand and I'm sure my fingers are a lot fatter than mine ;-) If you only borrowed $155k, I assume you did a conventional bank or credit union DSCR loan, is that right? 

Before 2008, lenders often approved ARMs based on borrowers ability to pay the initial lower interest rates.

All transaction/no relationship = A lending partner should understand their borrower, how the got into investing and what their overall goals are.