I've heard more than one person equate it to drinking from a fire hose.We are working on a solution to this issue, and when we have it, you can be sure we'll make a huge announcement.

A couple things that I did not put into this equation are - I have a good full time job.

Doing this puts you on the right side of Interest equation, using Whole Life in this way is a savings vehicle not an investment.

(Seems a given, but many well oiled machines are not so well oiled in the area of customer service, which, brings more business)& Lastly, as you work with both Owners and Tenants, see each as a valuable part of the equation. 

The primary residence piece is a huge portion of the equation. 

YES you pay cash  do some value add then refi and hopefully the new value raises up to allow a 70 or 75% cash out to get you all your money back so you have no money in the deal  commonly referred to on BP   as BRRRRalthough BRRR is hardly a new concept that's how we did investor deals for years prior to the 08 crash.if you don't have cash and have limited down payment.. and want to leverage up.. you may want to rethink the whole idea.. of buying one rental.. lots can go wrong and you would be under capitalized.Fico while great does not equate to cash.. you need cash to be in the landlord game.

The last thing I want (no offense to your practice) is someone writing out LOI terms of a paper towel, signing it, handing it to me and expecting me to equate it to a generally accepted contract that's legally enforceable. 

But this can change the result of the equation considerably, and might tip the scales.2) Offsetting the above somewhat is that the "advantage" of deducting depreciation on directly held real estate is not a permanent advantage.

While the original post is true, mine have been the exception so far, perhaps due to:many of the neighborhoods are getting better, which changes the whole equation.

Its all part of the greater equation to determine if the investment property is worth it!