Or if unpaid rent accumulates?

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

I'm now working with a lender now to leverage the 4 million I've accumulated.

I am here to build relationships and accumulate knowledge.

Once you exceed the term you are “out of surrender” and can take the money and do as you please, annuitize, or continue accumulating based on the type of annuity you have (fixed, fixed index, variable).  

I have accumulated paper losses (e.g. depreciation) I’d like to use to offset my spouses W2 income.

Most people can agree it's a very slow process to build a portfolio, working to accumulate more units and reach financial freedom.

Accumulated over $400k a year in passive income.4.

The way that I did it was pulling the equity or doing multiple cash out refinances at the same time in 2021, which allowed me to accumulate almost 300K in cash.

Unless I raise it , snow will continue to accumulate, and rot will have again pretty soon.