You are right, I didn’t phrase my question correctly.

I am a wholesale friendly (if that's even a phrase ha) agent!

I hope this makes sense.Those people who paid for 1 unit all cash and then then wait forever to use that cash coming in until they can afford to buy another unit all cash (making it a whopping 2 units...) will miss out a lot during that time phrase, simply because of market action (price increase!)

Both of those articles use terms that tell me they too were written by someone who does not understand insurance.Any agent who ever uses phrases like "take out the cash value" or "borrow from the policy" does not understand how insurance works. 

In our group we phrase it more specifically :- "How do I get as much passive income as quickly as possible, by retirement age at the latest?

But that's not how you phrased it.

A Dave Ramsey phrase comes to mind - Live like no one else so you can live like no one else. 

@Brian Mathews  wrote a phrase that Dave Ramsey often says, "The only ship that won't sale is a partnership."  

Not sure who coined that phrase but it works.

Well you used a key phrase there- "active" real estate investor.