A bit about me: I’m a payroll manager for a restaurant group, where I handle everything from creating policies and SOPs to processing payroll and ensuring compliance with state and federal laws.

However, fees can be high, including asset-based and transaction charges, and strict IRS rules require careful management to avoid penalties.

However, if you want a well-designed, maximum over-funded policy that can be leveraged for real estate investing, there are really only just a few companies that have everything you need.Minnesota LifeAllianzNational LifeAmeritasI don't want to write a book here, so if you want to know why most other companies WONT work, just PM me.

Guard is not renewing the policy. 

Strictly analytical speaking you cannot make a financial case for unleveraged investing in real estate.

I didn't hear this from Buyers, but I personally am tired of seeing it.The previous 3 years we strictly did the grey/white, but now thats out least built color scheme.

Understand Proposition 13 for property tax benefits, local transfer taxes, and strict tenant and rent control laws.

Specialized policies, contractor recommendations, tenant screening, lease agreements, utilities, and exit strategies are also important.Good luck!

The time it takes to process an application in 100% dependent on you, your processes, and your policies. 

We have spoken with them and pretty strict covenants as well as Axos bank