If you have a relationship and account with a community bank, that is a great place to start instead of a national bank.

@Greta Andrews Dave Ramsey a nationally respected financial expert , best selling author, and financial advisor calls whole life( cash value) insurance a con job orchestrated on novice investors by “ enthusiastic ignoramuses” masquerading as financial advisors.Borrowing money from yourself and paying interest on your own money is a non common sense approach to investing. 

It is still relevant but doesn't have some newer finance options like DSCR loans that largely did not exist outside of commercial banks until after the GR (Great Recession.)As pointed out, we in BP Nation don't know your financial means or your skills.

Orlundo, some the nations best commercial and investment lenders may not be located in your backyard.

Rates as of this posting date vary but are in the 6s and 7s (or possibly 8s if not a top tier credit score or a foreign national loan as considered a higher risk and will be reflected in the rate).

There are some that jump to the asset class of the moment which is different from their core competency because various real estate can cycle at different times within a macro economic national cycle.I personally believe in you do one thing, do it world class level, and forget the rest.   

We are barely making the minimum payment on the National Debt while we continue to print/print/print money.

We are still dealing with national supply chain issues on certain materials which has driven up the cost of almost everything.

On average, homes in the area have seen an increase of 8.18%, significantly higher than the national average, which typically ranges between 2-3%. 

Quote from @Ko Kashiwagi: Hi Anna,Are you investing as a foreign national (with visa, Green card or ssn)?