Since the White Coat Investor analysis I posted earlier seem to be debated by others yet to post counter-point sources I'll share another source that I found while researching WLI a few years back, Consumer Reports. https://www.consumerreports.or...In this analysis from one of the most independently-funded, unbiased consumer advocacy groups in America the outcome was the following: < 5 years: poor investment (versus term)16 years: you break even on cash surrender value + value of insurance received+20 years: dividends exceed term + treasuries alternative, surrender charges disappear In sum CR concludes: This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

Although not required in some states, a lender having a mortgage license really protects the consumer from any potential fraudsters. 

As you make an additional $25/year in rent appreciation, your HOA + Property taxes + maintenance + these new insurance premiums + lawsuit risks, will consume your $25/year increase.

I think you may of consumed too many of those mushrooms you live under.  

I'm including myself because I have had your REIpro for almost a year now and I am still in the process of selling off some of my deadbeat low end properties, I own, that are consuming way more of my time than they are worth, just so I have more time to use and learn about REIpro and other investment opportunities.I see the value of your REIpro program and actually use it more for training my team members that help me search for properties. 

Price optimized comps usually have occupancy around 70+% depending on the market.Projecting revenue is a bit mindbending, especially after 2020/21 when consumer behavior was very abnormal, but don’t let that scare you away from making a great investment - underwrite conservatively and you should do great!

Lots of headwinds facing real estate, like the following: Inflation Consumer Debt Lack of consumer liquidity-- renters don’t have first and last month’s rent, let alone a down payment to buyOwners interest-rate lockedOversupply of class A multifamilyStagnation of rent growth on assets aggressively underwritten at acquisition Maturation of term debt combined with stagnant rent growth against a backdrop of rising debt rates =investors unable to meet basic debt coverage service ratios on refinance Market normalization forcing operators and investors to rely on market fundamentals (recently) forsaken, while prioritizing expediency of deploying capitalInstitutional and local investors are both frozen by volatility and cost of capital and debtAll that being said, we feel good about B and C class assets we focus on and the markets we are in. let's connect soon 

In this kind of setup you don't normally provide other than starter supplies for consumables.

However, my personal opinion, is that its unethical to mark them up beyond what the consumer would pay normally. 

I'd definitely pay off consumer debt first since you're that close.