If it's low, start adding to the term to raise the PV, if it's high, shorten the term.What you are selling is the idea of an annuity income in exchange for the property.

Some folks keep drinking even in bad times.Fixed and Variable Annuities can be fine to park retirement cash, staying with large insurance companies like Prudential and Metropolitan.

To answer your question, Bill GulleyI too worked in a life, disability, and annuity company.The point I would like to make is that this company was a top 3 nationally life company.

Yet buy and hold our crappy "annuity product of the month" is a solid plan?

Hello David hereI would like to ask a question on owner financed notes.I am thinking of getting into the purchase of Owner financed notes with the property being the collateral..Where is a good place to find leads on notes of this kind as well as other annuities if you have information let me know

Thanks for sharing.Yes but once rehabbed they are sold never rented.Then once the initial investment is recovered they become what I call "REI annuities", & we have been doing this for many years.

Investing in real estate with an IRA is kind of like building your own personal annuity. 

Thinking to do the trust as an exit strategy, feed the proceeds thru a trust, annuity or some type of funds I can control, donate the remainder 10% to charity.

However, I see this almost as a pension or annuity for investors because after all capital is returned through a refinance, the investors still retain the same ownership so at this point, the investors have an infinite cash on cash return until we sell, which hopefully is not for a long time.

Though I do not know what the insurance person needs it for, unless he still hopes to peddle something to me, but by now he should know I don't do annuities....