If you were just starting out and had $150,000 to invest in real estate where would you begin? ( This is me! I would like to have at least $4000 a month in income by the end of the year.) 

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...