- Denver passed the "primary rule" for short term rentals 2 or 3 years ago.

Portfolio:A duplex in Oklahoma city - 100% occupiedA half-duplex in Oklahoma city - 100% occupied for more than 1% ruleAn SFR in Casper, WY - occupied by family at a good rate with very little vacancy riskA townhome in Anaheim Hills, CA 3BR/3BA that has been our primary residenceWe just received an offer to move to the Denver area where my company's second largest office resides.

That motivation is the primary driver for good investment returns, not "mutual" or "fraternal" or any other nonsense.In an IUL the insurance company takes the money they earn investing in those identical assets, and they go to the index options markets with the simple goal of hedging to capture as much movement in the market as they can get with the money the have to spend.

One of the best ways to invest as a military member is by house hacking your primary residence using your VA loan since you can get into the property (including 2-4 units) with $0 down (assuming you financially qualify). 

I have plenty of lenders that will let me be my own builder IF it's for investment, but not for a primary resident, even reached out to Normandy and they said no because it will be a primary resident. 

A friend of mine purchased a quad and his mom moved into one of the units as her primary residence and he only had to put 5% down.

The draw back to these loans is that they are more paperwork heavy than the other "portfolio" types of loans....but if you have ever received a loan on your primary home, it's likely that you will go through the same type of paperwork here with conventional lending.

I am thinking about getting a Heloc on my single family house (also my primary residence), and use that line to invest since I used up practically all my savings to buy this house and my credit score has gone way down because of technically 3 mortgages under me now. 

It will be used as primary residence.

In the aftermath of my life mess I took out some HELOCs on my primary residence to bridge some events and funding needed.