Perhaps he'll sign it over if he can walk away and you can liquidate the collateral to exit the deal.

., Sept. 25, 2023 —The Securities and Exchange Commission today charged Matthew Motil, host of the podcast, “The Cash Flow King,” for fraudulently raising approximately $11 million from more than 50 investors in a Ponzi scheme involving notes that were purportedly backed by residential properties.According to the SEC’s complaint, Motil, of North Olmsted, Ohio, defrauded investors with promises of low-risk, high-return promissory notes purportedly collateralized by first mortgages on homes located throughout Ohio.

I would personally sleep better as the guarantor on an $8,000,000 loan collateralized against an A+ location asset valued at $10,0000,000 than the guarantor on a $65,000-$70,000 loan collateralized against a C or D asset valued at $100,000.

I used this annuity as  collateral in the past for loans; however, I would like to move it into real estate investing to get the most out it.

Better, you can take a loan using your cash value as collateral while the cash value continues to grow (similar to taking a HELOC out of your home).

s point, leverage is great and all but most gurus would never ask you to pay the loans down while true wealth is built by paying down debts on the collateralized assets + appreciation over timeOwning your assets free and clear is what will get you out of the rat race to a bajillion doors. 

Your wife's income and DTI will not matter with DSCR, as the collateral focus is the home instead of the borrower.

main thing is  Collateral is good  borrower is good and you get a lenders title policy and title company makes sure everyone signs where appropriate before they disperse your funds. 

They also used my dad’s life insurance as collateral.

The fact that you have a separate loan on the land, even if it carries no interest, underscores your personal investment in the project.It's worth noting, however, that lenders may still request collateral to secure the construction loan.