COVID might put a damper on some of that, but not all of it, and this is evidence that we will have stable, reliable growth in the housing sector in the housing market over the next few years.

This is evidence that money has been pouring into the city, and many projects have recently finished.

It is working well and i don't see any evidence after over 3 years of heavy use that i am at risk in anyway, in fact i would say it is becoming a cornerstone to my wealth strategy.Details -  The concept of leveraging whole life insurance is complex and requires research and diligence.  

Nobody has presented a shred of data and math evidence to justify statements of a housing "collapse", none.

A lease or otherwritten evidence must be submitted to verifyoccupancy"So it'll have to become your family member's primary residence, and the max they'll lend is 85%.

Show evidence of receipt (only need to show one month), show balance of account you are drawing from, as long as there are enough funds for 3 years you qualify. 

I know appreciation is important but I'm heavily weighted towards cash on cash returns and evidently it's just not that strong in Phoenix or in the surrounding area.

If you have 12 SFR properties then you had (or still have) enough equity when considering even only the downpayment you put on the houses to get into a fairly large multi-unit building.As for turnover whether SFR's or multi-units are better, we own several large apartment buildings, several SFR's and find absolutely no evidence that SFR's stay longer.

Arguing anecdotal evidence is rarely productive. 

In my market, this can be evident street by street.