For example, a $1 million policy could have an initial commission of $50,000 to $100,000, significantly impacting the policy's cash value in the early years.Limited Access to Capital: Accessing the cash value requires taking out a policy loan, which accrues interest, typically at a rate of 5-8%.

Yes NH can be competitive, especially in highly desirable towns like the ones you’ve listed.

I found a triplex with 2 long term tenants (5+ years) who I've met and kept their units in great condition, though they are in the units that are not renovated and in turn not paying as high of rent.

Is that because of high interest rates? 

I'm using my latest acquisition, the Tampa property, as a model for my new investments. 

But, also as mentioned above, maybe the price is too high and doesn't make sense for investor buyers.

First I found it to show low rates, now I'm seeing them high.  

I recommend CA residents look at Reno, Nevada because of the proximity, landlord friendly, low property taxes, and influx of high wage jobs and strong appreciation. 

I added value by describing to the seller the positive impact they will have by selling to me vs. a wholesaler.

In addition, if anyone has spreadsheets or services they highly recommend for beginners.