To echo Thomas, yeah, you don't have to wait 5 years for CV accumulation.

. ~85-90% cash value to premium in year one on your illustration, then leveraging the cash value to do your investing will lead to greater wealth accumulation over time.

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.

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.

Now, how long will it take you to recover that added up front cost with the accumulated savings per month/year?

I will accumulate rentals across the country as I progress which I could foresee being a little more challenging as I have to build new networks in each region.

Upon closing this was extinguished and the lender got paid principal and all accumulated interest in one check. 

Hi Craig, I live in Memphis and currently accumulating a large rental portfolio, while selling turnkey properties at the same time.

The NNN leases, if you get the right one, seems to be a good way to accumulate wealth with someone helping you pay the mortgage.

As you accumulate wealth its much easier to bifurcate it and invest the "cash" in depreciating assets and retirement funds in things like notes/lending etc. which are typically taxed at ordinary income.