Costs for taking loans are minimal as opposed to the substantial closing costs that can accumulate from obtaining mortgages and home equity lines of credit or other bank financed loans.The proper mutual life insurance company will allow full payment of dividends on the cash value sum regardless of loans taken, and this is a massive advantage over loans guaranteed by other financial products such as 401(k) accounts and IRAs.Furthermore, because this is your policy and you manage it, there is no worry about having loans called or otherwise altered, like they can with bank financing.The simplicity of borrowing and paying back your policy will at a minimum improve the real estate investor’s capability to swiftly capitalize on opportunities, adding the quickness of money to the equation, and opening up new level of freedom and achievement.A common objection is that using cash value life insurance in this way isn’t an effective approach for real property investors because the policy costs money upfront (premium payment) and is therefore too costly.However, this belief is especially absurd in the context of talking about real estate.

This translates into a high barrier of entry: prices are high, and immediate cashflow is very hard to find.However, because of fast-growing rents and low cap rates, properties in LA appreciate at a greater clip than in your typical Midwest market.

Ideally there will be 0 change orders, but I have yet to see a customer who makes it through an entire remodel without altering the original SoW.

I agree, @Tom Gimer.Back in the days when I’d speak at western R.E. conferences and clubs, it was fun to help California based investors walk through an estate issue.However, it did not “translate” well at the national level.

There are also so many factors that can alter the price per room.

Some markets have a way of growing at its historical norm although at times something will alter a pattern - some will cash in on those and some won't.

Also, you need to operate the LLC correctly, especially avoiding co-mingling of funds and using it as your alter-ego. 

Lo and behold, several key items were lost in translation and the project has slowed down.Glad to know my inclination on that was correct.Thanks!

They are not allowed to move or alter any shelving.

especially altering a foundation.