Apples & bananas. 

A heat gun will easily lift it and you just plop another one down. 

Comparing Las Vegas to Los Angeles is almost like comparing an apple to an orange.  

I factor inflation into returns of course, but it's apples and caviar here. 

I can't speak to every experience but I do know there are teams out there that will require more leg work where you will have to spend more time and do some of the heavy lifting so to speak - this could be anything from sourcing your lot, to sourcing your funding, etc.  

If you're doing an apples-to-apples comparison, you actually have $1.55 million at your death on the cash value life insurance side. 

I know how stressful owning out of state investment real estate can be and can help you lift the burden.

When you reach 80 y/o you may have put $500k in premium, have a cash value of $3M but a death benefit of only $3.5M.The growth in a permanent overfunded life insurance is not fantastic, but it is tax free, so to compare apple to apple, a 6% conservative IRR of an IUL, or a 4% IRR in a WL may be closer to a 9% or 7% in a taxable account.

(We use compounded returns because that’s what annual interest rate is based on, and we want to compare apples with apples.)I would be THRILLED with that return.  

There are bad apples in every bunch, that does not make the entire barrel bad, just toss out the bad apple.