I am in NYS - which has become HORRIBLY landlord negative since 2019.

Yes, I’ll still have an emergency account in a separate bank in the early years, but this WL thing is all part of a larger strategy – which is to fund my own life, have money access TODAY, protect this money, and leave legacy money to future generations.So, the true number is that I’m paying 26k of my own cash, to get 17,500 in immediate cash value for year one… that looks horrible at first glance to anyone with or without a calculator… but this will be the absolutely worst year from the first glance view.