The savings can definitely pay for a kickass insurance policy. 4.

Real estate is one of the most popular alternative investment types; in addition to rental properties, you can invest in commercial, residential, or raw and improved land with your IRA.It is a shame that your current company does not have a match policy for your contributions, but it is great that you are considering your options for savings now while you're young. 

Anyone have an idea of why they would make that a lending policy?

Also you'll get a new landlord policy from your insurance which will be cheaper than homeowners and come with liability protection up to a certain amount as well. 

I would say the main criteria include safety of principal, liquidity, and a rate of return equal to or preferably a bit ahead of inflation.

Large complexes usually have company policies that automatically disqualify an applicant for certain crimes.

If you take a policy loan from your Bank on Yourself policy, your money will then work for you in both your real estate investment and your Bank on Yourself policy.

We rented our first home out and got an umbrella policy to protect ourselves.

Just a little bit about my financial situation- I have some college debt around 25k, a payed off car, around 10k saved, and a few investment vehicles started like some real estate crowdfunding (AHP) and MC Laubscher's(The Cash Flow Ninja)  whole life insurance policy used for infinite banking.

For regular single family homes, aside from typical homeowner's insurance an umbrella policy of up to $5M is carried to mitigate the risk.