There is a useful blog I've been semi-following Congress Heights on the Rise ( https://www.congressheightsontherise.com/index ) and she has a real estate section.

Short answer: if you had paying tenants and a property that had cash flow, you didn't notice the difference, any more than you notice the difference on a good index fund or similar over the long haul.

An S&P index fund should be able to match or beat that. 

The Annual Consumer Price Index may be used as a reference.

If you're willing to drop $99 bigger pockets has a landlord pack of forms that includes a residential lease and a few others pertinent forms.https://get.biggerpockets.com/forms/index/

I'm even willing to pay to get these files, but the only person on Fiverr that came up had only a 1 rating.To further explain: I received an FTP site -> go to that site and get a directory/index of folders -> I click on the folder for the delinquent properties and get a list of zip files -> click on the file it opens in File explorer to extract -> I click extract and get these .DAT files.

@Tom Rutkowski has gone to great lengths to educate me on whole life, universal, and indexed universal life insurance policies.

We have in the past, although with rates as low as they still are assuming debt that was placed pre-covid is rarely accretive for two reasons. 1: Rates on assumable mortgages from pre 2020 are significantly higher than rates today, although that spread is narrowing on fixed rate debt indexed to the 10-year treasury. 2.

SFH's are generally in the $80-110 range, plus land.There are also available government and industry reports/info on the "construction cost index" for more in-depth research.

I've invested in real estate for years, including REITs via index funds, directly in a rental property, and in a syndicated deal connected to my employment.