@Greg SchrefflerWithin reason, leverage OPM as much as you can.

@Tommy SchluterI'm an agent, but I do have a policy myself and I do use it for what I call "The Double Play": leveraging the cash value of a maximum over-funded policy to invest in real estate.I see you've found the Paradigm Life thread.

Can we leverage our current home?

One is using max leverage and the other is using none at all.

Hi Everyone, for the past three months since I have graduated I have taken baby steps in learning how to become a Real Estate Investor (listening and reading BP podcasts/books & real estate podcasts in the Chicago area such as the "Straight Up Chicago Investor") I have also recently started a full time job in which I am leveraging to support my goal of becoming a REI.

Typically these are reserved for single-family properties but since they're the highest leverage you can get they can put you in a good cashflow position if you're willing to make two units or rent by the room.In terms of looking at 2-4 units, the sweet spot tends to be 3.5% down on an FHA loan for a duplex.

And so while it's owner occupied, how can the owner leverage a separate entity for the rental income while adding a level of protection on the owner?

That may also make the lending scenario a bit cleaner from a lending perspective, and it would give you two properties to leverage against, should you want to sell one to shore of up capital in the future.

Here's a guide that describes what good cash flow looks like and how to analyze a property.https://www.biggerpockets.com/...Read about the power of leverage.

That way after 2 years you have a very large equity position to leverage into your next deal.