@Dustin SomersI am using maximum overfunded Index Universal Life insurance instead of Whole Life, but the principle is the same.It’s a long term game as you have to absorb the front loaded fee and it takes 5 to 8 years to make it worth it.

(Informative to see how easily you amused yourself so thoroughly). 

It's kind of amusing this thread gets this much debate.

I have a fairly sizable investment there... when I say duplex four plex I am using a West coast duplex or four flex... or specifically here in Portlandia.. were we do not have SFR's generally as rentals.. they exisit but not nearly to the extent they do in other markets.. prior to the crash less than 6% of standing SFR's in the entire 2 mil Portland metro market were rentals.. that number has grown to about 10%...

Fyi, I am using this money to purchase properties and lease option them.

My wife runs a music school, and I have www.JustAskBenWhy.com and lately I've been thinking about ratcheting up both of those...Just got an eMail - 220 units.  

Now that's the type of response I am used to getting from you.

Welome Dave, okay, you're a music guy, there are 8 dancing ladies on the stage lined up, the first one is facing you, the second has her back to you, next is facing you, next is facing away, next is facing you and the last 3 are facing away from you.

His comment to me was that he could just hold and with the $9k monthly income the property would pay for itself in X amount of years which I found very amusing.

On the rest of your post, it is amusing how horror stories make up most of the stories that investors tell and all of us have them.