As a financial advisor and professor of finance, I want to provide a more detailed analysis of the use of whole life insurance as a funding source for real estate investments:High Fees: Whole life insurance policies often have upfront commissions that can be as high as the first year's premium, and ongoing management fees.

This put it into light for me so much highly appreciate this getting more and more familiar with the previews everyday understating it and putting it into action I have been talking to agents and also looking at properties and doing the numbers nd applying for loans.

@Russell Bundy, highly recommend you use the search function, as there could be posts from all over with people talking about BAM.There is also an entire subforum of Syndication reviews.  

Priices don't remain this high above the inflation adjusted level for long.

Your rate will also be high and maybe 2-3 points cost.

That's highly unlikely to work!

This means competition is highly aggressive here in metro Atlanta.

The owner is a master plumber and his company is licensed in all mechanicals and he has dozens of subs that do the high quality finish. 

Doing arbitrage.The risk is too high for most people.

First off  you have a CRIME FREE /Drug Free addendum on each tenant that lives in your rental.If you notice suspicious activity or have reports of the same you give tenant notice of high traffic / volume of people to unit as notice to cure.. if this continues or you see or smell drugs you give notice of non-compliance and lease termination. yes you can ask police for advise.. but your main goal is to limit the calls police have to make to your property so you don't want to be listed as a nuisance property. but if the issues warrants it yes call the cops and if a neighboring unit is worried tell them to call the cops sometimes you have to have a record of police calls to verify the issue so you can write up infraction for eviction action..