The opportunity cost of capital is what is being argued, not the interest rates or amortization periods of different loan products. 

I will not continue only because I try not to make a habit of arguing with investors with way more experience than myself but I do see it differently, thanks for your input

This can be argued both ways and both ways are valid- but pound for pound you are going to make more money in a D+ neighborhood than a C+ neighborhood. 

If you get sued, someone could argue your LLC is just a shell for liability protection.

If you keep arguing about how this is silly, or virtue signaling, you're really just hiding your frustration that you think racism doesn't exist in real estate and it bothers you that maybe, it does, and you aren't aware of it.

I am not arguing that your job and your wife's job are unimportant.

Nobody is arguing that all Landlords are incapable of managing their own rentals.

Yes, I had to be approved, but you argue that whole life policies are for people with money -- ie, the kind of people who don't have difficulty getting approved for a HELOC.

At a much much lower risk and certainly less effort and headache.Now you can argue about dead equity all you want but remember, we are holding this until we die so ROE should not even be a factor.

Emilio Ramirez I agree, so far I have had 4 labor and equipment only contracts, good, less risk for me, I don't want to argue over $5/sf flooring when my bid is only for $3/sf.