I hope to get a lot of hands-on education as quickly as possible this year so I can quit chasing a job to chasing my dreams...to love & serve my family & my community!

@Thomas RutkowskiI don't need to prove facts, like I said most people here are intelligent enough to do their own research and make educated decision that cash value life insurance is not for them.The reason you are defending this strategy because you too are making up to 90% commissions on the sale of this scheme. 

I sat with my advisor and concluded that I was interested in subprime lending in minority community.  

Educate them.

I am currently in higher education in enrollment management with several master's degrees, but have always been interested in all things real estate.  

Then about 2 years later they started getting behind on our mortgage, then we found out they were behind in the first mortgage as well...long story short, we had to foreclose on the note we held and pay the first to keep them from foreclosing a senior lien first...the day of the sale at auction, we were served with a notice that they had filed for bankruptcy, which stayed the sale and the auction was voided.After getting an education in foreclosure, I now had to learn about bankruptcy.Since we were now living in another state, we had an attorney handling it all - I was never comfortable leaving things to other people, especially when we had a lot to lose.

Getting educated would be the best way to start.

I've seen a video on youtube froom "Commercial Property Advisors" saying that it is actually better to buy a 5+ until as opposed to a 4 unit building because then the loan is commercial and the property cash flows factor into the evaluation of the property in underwriting (in addition to you still being checked out for income, assets, debt, etc.), whereas with residential, you can qualify for residential on just your income and assets alone, no evaluation of the property.  

Check it under Education.

Listen to the podcasts and you will get an huge education.