Month-to-month agreements are typically better for the landlord since you can usually change the terms whenever you want with proper notice (often with as little as 30 days notice), increase the rent as much and as often as you want (again, often with as little as 30 days notice), and more easily sever ties with tenants who aren’t working out. 

I have many of these remaining in my portfolio, all performing, but have not purchased any new ones for the past couple of years. 

Obviously, income for an IUL (Indexed Universal Life) policy will be tied to the market.

Prices falling while all variability remaining the same (no recession) would indicate a short term correction which historically results in a roughly 10-25% drop in prices. 

In most cases I pass on deals that can’t remain positive cash flow with a 15-20% drop in rent.

The less contact between my ex and I, the better.My ex's attorney has suggested the following, which feels like it provides little protection for me:*  We both remain on title.*  We get three CMAs and/or appraisals and agree on current market value.*  Include a "forced sale" clause executes in 12 months if ex is unable to refinance and cash me out during that time frame.*  Wife pays a to-be-agreed-upon interest rate on my half of the equity until it is cashed out.Questions:*  How would you resolve and protect yourself, outside of selling the home?

They have said two were leaving ever since I tied up the 4-plex but now I learn this person may not leave?!

So im wondering what I'd do with the remaining years to be depreciated for a house that would no longer exist, but still owning the property.

Depending on when the contract was purchased, there may be a surrender charge period (amount of time the majority of the funds need to remain in the contract to avoid a penalty - ie surrender charge), however, most companies will waive this on a death claim so it’s unlikely that will be a factor.  

@Oleg Enik so I haven’t nailed one down yet, I’m going after a small multi family that I can use a conventional mortgage to tie down putting down 20 to 25%.