All In One Loan - Too Good to Be True?

[Scott Smith]

Hi all. First time posting here!

I'm new to the real estate investing game and wonder if others have strong opinions (either good or bad) about all in one loans. My finances are solid and the all in one sounds really tempting to me but I'm wondering if it's too good to be true - leave cash in a checking account that counts against your daily loan balance, thus reducing interest payments and helping you pay the loan off sooner . . . ?

Have others used this product? Any words of wisdom? Like I said, looking over the materials it sounds too good to be true . . . and that's often a red flag. Any thoughts would be appreciated. Thanks to all!