You could design a policy where you still maintain the tax-free loan capabilities, but the death benefit would be so high, the cost of the insurance itself would hinder the growth of the policy.The concept is to "squash" the death benefit as low as possible to promote cash value growth, and that's usually done with spreading the contributions over a longer period of time.I can run numbers for you if you'd like to reach out.

One promoter even says don't look at the mls as there are no deals.

In the 90's I traveled and hung out in Miami while promoting parties where everywhere along the coast I remember seeing Motels selling for $25K or $30K with only 3% down sprayed painted on white bed sheets.

I have been told you can separate classes in the online plus version which is $50 per month after the promotional period.

For example Land Academy is a great program that helps you from A to Z and with monthly promotions you will definitely gain more with limited funds.

@Tom Lafferty, @Thomas Leonard, I am considering attending Brad's 2 day class in March, I know he will promote sighing up for his program there.

I have a feeling that if this program works, the success or failure is going to depend 100% on ME, which is OK, but Marco promotes that his company will come in and handle the particulars, and I don't forsee that to be so.

I don't think putting yourself out there and promoting your cause ethically and legally is and should ever be a problem.

@Patrick Liska The purpose of Bigger Pockets is not to promote myself, after 3,000+ posts, I don't recall mentioning my book. 

There is something to be said for the quality of fire lit under your a$$ when operating without a Plan B.I also concurrently believe that many people who do not allow for the possibility of failure in their lives are suffering from a cognitive dissonance and when they do fail, the failure breaks their minds and they rarely fully heal in the broken places.I believe consistently successful people have a dark and secretive cynical part of themselves that knows when they're cheering themselves on in a limited way to complete a difficult task and when they're lying to themselves.