Look at it this way, they are kind of like an additional government that collects money from all the members and are supposed to perform a set of services for the common good of the members.

Vivek Khoche Not sure I need the education, I have a portfolio outside of California that's performing better (cash-flow) than any options here.

Where is the dividing line where on one side you could easily do these tasks but are too lazy, as opposed to you are getting in the way of yourself if you don't pay someone to do it?

Are you suggesting that an indexed universal life with gain caps and surrender charges, mortality charges, and premium charges (usually adding up to over 2-3% annually) will out perform a well diversified portfolio?

I'm out of my depth here, but I read other places that banks will only count a percentage of your performing rental properties toward your income and only after they have seasoned for some period of time, eg. you have a rental that has average NOI of $6,000 a year, the bank will only apply a percentage, say 75%, so $4,500, to your income.

Performing, homestead owners of house.

I am aware that it is not an easy task, but as an investor, wholesaling is where I have a desire to start.How should about doing this this?

I finally got the financing right and now it performs well. 5 years ago I refinanced and put in the 20% down payment that would normally be required.

If the property is performing as expected, the tenants are good and consistently paying rent, and you are not over leveraged, then it is basically doing what you bought it to do and I wouldn't sell.

We invest in non-performing notes in OH and IN.