Is that generally the concept here?

This concept is so dynamic even for real estate investors. 

However, there is a concept in law that the parties of a dispute must try to resolve the issue before just coming to court.

We’ll help pull back the curtain a bit on the biggest drivers of mortgage rates, as well as how investors can watch the market like a financial expert does.Bond Market Concepts: What Determines Mortgage Rates?

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.

wow, I was going to say, I have my own accounting spreadsheet I made with a general ledger and journal and T Accounts (if you've taken a basic accounting course you'll know what that is), but @Megan Greathouse that template is super easy and clean.

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. 

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

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