The IRS has decided that if too much cash is paid into a policy at once, a Modified Endowment Contract (MEC) is created which eliminates tax advantages of the cash value life insurance policy.In addition to proper policy design, choosing the right life insurance company for this “bank on yourself” system is an essential decision.

The peer to peer lending platforms as well as the real estate crowdfunding platforms are not having their investments chosen by Warren Buffet, or for that matter any money/investment manager employed by the big pension funds, endowments or ultra wealthy individuals that RDPD is always alluding to.  

Years ago, I read a book called the Ivy Portfolio largely about the Harvard endowment & other large endowments.  

And said timber goes up in value 12 to 14% a year that's the return on investment by just holding the timber and the reasons the main funders of timber land and big owners are John Hancock and the Harvard Endowment fund. 

Here is a link to a recent allocation from Harvard's endowment: https://finance.harvard.edu/files/fad/files/fy23_hmc_letter....These allocations can help point out asset classes that are getting overheated versus those that are relative values, since the asset classes that are getting over-heated will start to show themselves in outsized allocations within your portfolio.

I believe there’s a unique opportunity here to build an endowment for the organization, using real estate as the foundation.

I'd say the best options will be focusing on the endowment, or non qualified annuity. 

One from Nassim Taleb, former prop trader turned author/philosopher: “My lesson from Soros is to start every meeting at my boutique by convincing everyone that we are a bunch of idiots who know nothing and are mistake-prone, but happen to be endowed with the rare privilege of knowing it.”Second is from a hedge fund manager that no has ever heard of named Seth Klarman, but who has done well for himself, if you consider running one of the ten most profitable hedge funds ever doing well. 

Not only people, but billionaires, hedge funds, large corporations, insurance companies, University endowments, local and national governments, banks, and pensions.  

You don't see the CIO of an endowment putting their sponsors on blast for the entire internet to see (at least that I know of).