Alan Ceshker is a closing attorney that does wraps.https://www.biggerpockets.com/users/ta37I might disagree with the concept, but I still believe in free will for people who want to choose their destiny.

That is how the founder envisioned it and puts the lowest amount of risk on you and your capital.If you understand the concept of using CDs and collateralizing them for low risk investments why would you not do the same thing (but far better) by leveraging whole life cash value that locks in a rate and earns dividends (highly likely) for life without all the risk of involving the banks....and getting all the other benefits whole life insurance provides, to boot?

For a general reference to the concept, read "The House Hacking Strategy" by Craig Curelop. 

@Eric Inigo I think their concept can be effective if there are enough people to fill their vacancy.

I emailed Edward the correct number, and waited several more days.

Look up the Time value of money and the concept of Oportunity cost. 

Same concept applies here - lean on other investors in your market. 

Obviously this is over simplified but I'm just trying to grasp the concept!

John Assaraf is a great guy to watch on YouTube about this concept. 

If you don't already know those concepts, start researching them, so you have a good basis for a conversation.