In Illinois we’ve got an instrument called a TODI (transfer on death instrument) which avoids probate and having to create a trust for RE. 

.- Whole-life policies are complicated instruments, and that complication allows for a lot of fees.

The lender is not required to include this contingent liability as part of the borrower’s recurring monthly debt obligations provided the lender obtains a copy of the applicable loan instrument that shows the borrower’s financial asset as collateral for the loan.

The guidance and wisdom I found within this community were instrumental in navigating my first property's challenges and successes.However, our efforts were met with unforeseen adversity.

We've also simply created a separate debt instrument to our own LLC with a fixed return and fixed time frame (18 - 24 months) to keep 100% of the equity and not tie that money to the property, but to a UCC on our entity.

@Matthew MeizisGoogle Fannie Mae security instruments.

I've been in Real Estate since '87 so I like to invest in what I know but outside of my company, in my personal portfolio I have about 20% outside of Real Estate assets in other types of debt instruments, private equity, and a bit in the traditional stock market. 

Marble is alkaline and reacts with acidic stuff (tomatoes, oranje juice, etc.) and is unsuitable for kitchens.

@Tom KellyYou need to be more specific about what problem you are trying to solve that hasn't been done millions of times by banks.I agree with @Jon Holdman that the instrument you should be using is the Note and Deed of Trust or a Mortgage.  

To achieve this, I plan to partner with Architect United (www.architectunited.com), a leading architectural firm renowned for its innovative designs and efficient project execution.Architect United's comprehensive services will be instrumental in executing renovations such as new closet designs, pool renovations, and kitchen remodels.