All in one mortgage on investment property questions

[Chris Turek]

I recently heard about an all in one mortgage.  I wish I knew about this early, it sounds like it wold have saved me thousands over the last couple years.  First, I would love to hear any all comments or advice in general on these as I am completely new to them.  I do have some questions. 1) I understand to get the max advantage of these you should do your “banking” through this.  Does this including daily stuff like buying groceries or a meal?  If so id there a debit card?  If yes, what happens if that card is clone, stolen, etc and fraudulent charges are made?  Are you liable, do they have the same fraud prevention banks like chase have ( I have had my card cloned 2-3 time in the past couple years)

Next, many people mentioned they do this on their primary? Is there a reason for this? I have a 2.75% rate on my primary now and would hate to give that up. I have a 2 family that is worth about 900 that I owe 500 on at 3.5%. I was looking to get a heloc on it but I am now thinking an all in one might be a good option. I have excellent credit, income, etc. For those of you with experience why would I want to do a primary vs investment property. What kind of LTV and rates are available or a better question might be how much high is the rate on an all in one vs traditional and on primary vs investment? Also, are there any online calculators out there on these that are good.

Thanks in advance, this forum is always such a great reason.  I really appreciate all the time people so generously put into make this place so great.

Thanks

Chris