@Adolphus Fletcher Like others have mentioned, gaining a non-recourse loan is a challenge unless in some cases where the loan is a commercial style loan of $5MM+ and the borrowing entity has strong income & assets to satisfy the lender's concern tied to the guarantee of the loan.

At ZERO APR (suppose home owner finances it), it would take borrower 75 years to pay off 1 mil debt if they paid in $1100 monthly installments. $1100/mo being the maximum installment they could realistically afford with 35K income.

All our properties currently yield over 6.5% gross return, with a borrowing rate at 6.5% and 20% deposits.

A lot of borrowers only see the rate LOL.

When you borrow from the insurance company, it is a loan against your Cash Value.

A lot of borrowers are in this position so ask yourself what is the amount you are willing to leave in the deal.

Right now, there's not enough "room" in rates to cover those hits so borrowers would pay discount points to cover them.

A 5-6 cap rental property, even one that is paid off, is about as good, after tax, probably lower risk than continuously doing due diligence on borrower after borrower and deal after deal 1-2X per year in perpetuity. 

you're borrowing 90% of 240K. 

Since we're just 2 points away, we can work with the borrower to do a rapid re-score.