So my kids will get it or its exchanged replacement in the future(~10 yrs). 

I have a home owner requesting $94-139k HEI loan, structured to pay the loan when the house is sold, in 10 yrs. 

I did the calculation on my primary property and would have mine paid off in 4.3 yrs instead of 13.

Last year my largest holding FDUS, paid 13.6% dividend and stock also went up 8-9 %, as long as 10 yr flat to rising they make money on their large net interest margin spreads.if you ok with moderate risk, pick good REITS, as a group VNQ they beat sp500 last 20 and 50 yrs by about 1.5-2.0%, and they beat private real estate investors by 2-4% in academic studies as well, that's an average, that doesn't mean REITS outperform the excellent investors here at BP :)Or take out a margin loan and YOLO Bitcoin, no don't do that!

because with 30YFRM 7% rate, the aggregated principal payment is so low that it's almost meaningless anyway, so IO product can make verything great again.............. as long as you plan to sell it quick.But this product is terrible in two conditions :1) when rate is lowAnd/or2) if you plan to sell on year 15.Hm, I understand your point in theory about selling in 2yrs v. 15 yrs.... but whats so bad about getting I/O arm and seeling in 15 or just refinancing it when the I/O period ends?

I love to see projects work out and I have been a HML for 20 yrs and also flip houses on the side. 

Should've seen what West U was 30 yrs ago, it was pretty much like 3rd ward.

Well if you are buying at an 8% going in today, I could argue that compressing it over 5 yrs (again depending on asset and market) to 7% is still a realistic expectation, especially if your sensitivity shows you can still make an okay return if cap rates do continue to expand.b) you need to be more patient.  

However, the Vail Valley has averaged a 10% annual appreciation in values over the past 30 yrs.

If a roof costs $6,000 (probably low, so fill in what you want) and it will last 25 yrs, you need to hold back $20/mo for that roof.