These are non profit institutions and are considered credible reliable sources of business information.  

If the market cap rate is 8% and your "acceptable" cap rate is 10-12% then you are NOT an investor in that market at that time.Call you local chapter of the Appraisal Institute or your Assessor and ask what "cap rate" they use to value duplexes and sfr's.

There is no way that 4-5 years of premiums would allow me to save enough to buy another house.While insurance companies are a "for profit" institute and they bring in more than they pay out.

There are infinite ways to structure this, but a 6-10% preferred return to the passive investor followed by 60%/40% or 50%/50% of the remaining profits is fairly common for non-institutional (small deal size) real estate investment partnerships.

Look at larger Multi with Professional institutional type management.5.

Institutional lenders ask for down payments to give themselves a cushion against the risk of losing the investment.

Institutional investors also set up their investments with a "waterfall" structure, where the better the deal performs, the higher % of the profits goes to the "operator" and the passive investors get more total money, but less total %.

But institutions were also focused on other segments where there were renters of choice, like student housing, senior housing, corporate housing in areas that where workers who could otherwise afford to buy, don't buy because they know they aren’t going to be there permanently.  

I said, I found out why the banks are not financing homes like yours, if houses were built in 1980 (not really) and under, the up keep and liability is to great for banks, and financial institutions to bear. 

His plan also specifically states that his overall $640 billion investment in housing will be “paid for by raising taxes on corporations and large financial institutions.”Additionally, Biden plans to give first-time homebuyers a refundable, advanceable tax credit of $15,000.