I agree 100%

You're everywhere man! Lol.

Enable a home equity line of credit to pull funds out against your equity.

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Great, appreciate the excellent content. Andy from the UK

You would only do this for estate planning purposes. No one would buy a remainderman. For example, my widowed mother is getting older. She owns her own home. (My father and mother purchased this home together and paid off the debt). She could transfer title as follows: She will keep a life estate in the house and put her children as remainderman. If she ever get Alzheimer's or dementia and needs to go into a nursing home the state cannot force her to sell her house to help pay for her care because she only owns a life estate in it. So the state cannot touch her house and force her to sell it to pay cost of her nursing home care if her insurance is not enough. Her children will get the house when she dies. There are more detailed rules but this is just a simple example. It's basically a way to shield your home from the state.

The worst part is the tax loopholes that the government hands them that are nearly 100 years old and never updated. However, real estate investors have destroyed housing markets across the world. You either play the game or get played.