Do lenders/banks accept term life insurance collateral assignments for commercial real estate?

Curious if anyone here has experience with this.I've been acquiring fully adjudicated civil judgments at a discount where real property collateral has already been identified in the debtor's name.

Hoping to find recommendations for accessing cash using small rental portfolio for collateral.

I don't think anything has changed. 1) Ensure the borrower has the ability and exit strategy to pay the loan back, 2) Ensure the borrower has a history of paying their bills (we pull credit), and 3) We pay attention to not only the LTV and not overleverage, but we make sure there aren't any significant defects in the collateral (environmental issues, settlement issues, title issues, etc).

I’m looking for guidance from people who actively lend or operate in this space so I can understand what terms, collateral, and structures lenders are most comfortable with.The main questions I’m working through:• What LTV ranges do private lenders typically prefer when the collateral includes manufacturing equipment and receivables?

Since the collateral included all of the properties, you will have a very hard time breaking that collateral without breaking the loan. 

I’ve been approaching this from the lender side rather than the product side, trying to find institutions that support I acquisition at auction, rather than forcing everything into a standard box.I am exploring portfolio LOCs and cross-collateralized facilities that allow fast deployment with the option to term out later.

If you were in my shoes, would you: push for a separate FF&E valuation/appraisal,treat the FF&E as part of collateral / security language in the note,or focus more on making sure the refinance path is realistic regardless of FF&E? 

Substitute a note purchased at large discount for seller financed note at full value (substitution of collateral)Buy a property with seller financing at a low interest rate and long term and a substitution of collateral clause.

A few will give you credit for POH (collateral and cash flow).Cash flow from seller financed homes is almost always excluded.