I had a health and life Insurance license many years ago, I never really put it to use, so my knowledge is limited to what I can remember, which is not much :)What I do remember at least from selling the products is that doing the math revealed that the portion in the whole life policy that covered the insurance was higher than the same face amount on a term policy.I would assume this is due to a whole life insurance policy is just that for your whole life no need to seek it for a new term ever 10 years which would cost more as each term rolls in.If the money can only be taken out as a loan, it won’t satisfy our families needs.The forced savings element is so that part of that can be used for a group investment in say real estate.Real estate when purchased and sold at the right times in the cycle can generate a higher return and offers more tax breaks than funds being held for decades in a whole life policy, as the value of the dollar goes done over time, it just doesn’t make sense, or I just don’t see how it does at this moment.

Variety of options on how to split the heating to 2 levels. 

Depending on the owner's situation and using a variety of negotiating tactics, my business partner and I have been able to get significant discounts while buying properties from those owners directly. 

The main difference though is that there is not a wide variety of loan products available for investors compared to mainland USA but if one is comfortable putting 20-25% down has strong credit  verifiable income and is ok financing 1-4 unit properties most lenders here can accommodate.

Reading through newspaper articles revealed some speculative ideas down the road, but the only projects in motion aren't really going to affect that area. 

Lessons learned, I didn't reveal the purchase price).

Sometimes you want to do corporate housing or mid-length housing for 3 to 6 months for a variety of reasons, but you don't want to do weekly  turnover.

There is a wide variety of investors out there who have their own opinions of what any particular loan is worth.  

I suggest using an independent insurance brokerage with access to a variety of different carriers.

@Evan HughesOne of the advantages on investing IRA or solo 401(k) funds in promissory notes is that the notes can be structured in a variety of ways.