Has anybody used a IBC, CFB, or BOY policy to purchase real estate and use the returns to pay back the policy at higher interest rates than the policy charges? If so, what are the pros and cons? What are your thoughts...

Unfortunately I've been away for a few months while taking care of some personal matters, so I haven't been able to keep up on discussions. 
However, several months ago there were ample amount of folks here insisting...