I honestly find that it is best to let bygones be bygones with folks that hit job losses and health crises. 

I had a health and life Insurance license many years ago, I never really put it to use, so my knowledge is limited to what I can remember, which is not much :)What I do remember at least from selling the products is that doing the math revealed that the portion in the whole life policy that covered the insurance was higher than the same face amount on a term policy.I would assume this is due to a whole life insurance policy is just that for your whole life no need to seek it for a new term ever 10 years which would cost more as each term rolls in.If the money can only be taken out as a loan, it won’t satisfy our families needs.The forced savings element is so that part of that can be used for a group investment in say real estate.Real estate when purchased and sold at the right times in the cycle can generate a higher return and offers more tax breaks than funds being held for decades in a whole life policy, as the value of the dollar goes done over time, it just doesn’t make sense, or I just don’t see how it does at this moment.

Plus, not correcting all health and safety issues are likely to result in injuries and litigation.Systems - This includes what is necessary to make the house habitable, such as HVAC, roof, appliances, plumbing, electrical, water damage, etc.Market ready - "Market ready condition" refers to changes necessary to attract people who will pay full market rate.

I cant currently get it for my current dog due to health history.

Not sure if you've thought about MTR rentals, but Indy's economic growth and affordability has the potential to bring in traveling nurses and other healthcare professionals as there is a large hospital expansion set for IU health downtown, so something to think about. 

My 2024 goals are below:Mind- Consistent 10:30pm-6:30am sleep schedule (No screens after 10pm)- Meditate and journal 4x/week- Read 4x/week Body- 2x2x2/week: Cardio | Weightlifting | Flexibility/mobility- Knock out the Murph Challenge once a month (start with mile run, 100 pull-ups, 200 push ups, 300 squats, finish with mile run)- Get a full panel blood and gut health testBusiness- Net income exceeds $10,000 per month, which comes from my short term rental management/cohosting business, Host Del Casa- Host Del Casa helps 10+ good people/partners 2-5x returns with short term rentals - Purchase another investment property

Yeah, it's looking like most landlords are suggesting that I don't submeter due to the threat of liens.

That reminds me, when my wife retired with me that cost us an extra $1,000/mo in health insurance and we started spending an extra $1-2k/mo with free time.

Intel is a great example, who is building the largest chip manufacturing plant in the US right here, and it will be a $20 billion dollar investment that brings a few new thousand jobs.https://www.dispatch.com/story/business/2022/01/21/intel-ohio-building-computer-chip-factories-licking-county-jersey-township/9173472002/ Another example of economic growth is the upcoming Ohio State University Wexner Medical Center Inpatient Hospital which is a 1.9million square foot hospital that will bring over 800 new beds and a thousand new jobs. https://abc6onyourside.com/news/local/new-osu-hospital-expected-to-transform-health-careHere are a few more recent investments https://www.10tv.com/article/money/business/hydrogen-power-company-hyperion-bringing-700-jobs-to-columbus/530-25907aab-5517-4661-a9f3-d2ed2d5be6b0 https://news.wosu.org/news/2022-02-08/rumpke-to-build-50-million-recycling-facility-in-columbus Check out The Complete Guide to the Columbus, Ohio Real Estate Market which goes through the Columbus, Ohio market in depth and will give you a better scope of where the highest levels of growth are taking place and where to look to invest.  

Her rentals are all occupied for the most part with decent tenants (nurses, military families, health care professionals).