It's the design of the policy, which is more about trade-offs.Since this is life insurance and the cash value accumulation is controlled by IRS "MEC" rules, there is no getting around *some* period of "lag" time between how much you've paid in premiums and how much cash value you have.In the Infinite Banking world, we refer to this as the time and "startup costs" of creating your own "bank."

Also, I am thinking of relocating to Charleston SC due to a family emergency. 

Check Amazon, I bought a couple of them this summer to be used in case of an emergency.

MTN's can be traded by whom?

If the neighbors are constantly calling the police for non-calls, when there is an actual emergency, the cops may assume it is another waste of time and take a long time to respond, that is what you want to avoid.

Especially for a newbie (I’m one myself, currently in the process of buying my first investment property), I think it’s worth paying someone commission to be sure that the paperwork is done correctly, you’re not being mislead, etc. in the beginning until you get a few deals under your belt and learn the tricks of the trade.

In case of emergency, the Landlord can enter the property at any time without notice to the Tenant.

We are a few months away from being completely debt-free other than our mortgage and will be able to build a significant emergency find prior to our first acquisition.

Real Estate is one of the few markets where insider trading is very encouraged.I know as an agent in Texas you just have to ensure that you're very open about what your wants are and you have to disclose that you are a license holder.

What is your reason for not being able to provide a two day notice, was the entry and emergency ?