Advice Regarding All in One Loan?

[Greg Hoffmann]

Has anyone ever used this type of product on an investment property? My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....

Here's a blurb from a lender's website:

"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan"

"Designed after popular programs around the world, the All In One First Lien HELOC is the nation's first transactional offset type-mortgage program.

Home financing and banking combined:

• Deposits lower your loan’s principal
• Funds remain available for expenses
• Interest is calculated on the average daily balance
• This lowers the monthly interest payments
• Tens of thousands of dollars can be saved over the life of the loan
• Mortgage freedom can be achieved in half the time or less

[Andrew Postell]

@Greg Hoffmann this thing again.....I'm wrestling with even commenting on this product.  The questions I would ask - what is the interest rate?  Is it fixed?  How does it save me money if I keep increasing the balance of the loan product.

See how they answer those questions.

[Joshua Stanton]

Full transparency, I have and sell the All In One Loan and I absolutely love it! Here are some of the reasons:

- Americas only 30 year first lien mortgage where every deposit goes 100% to principal. 
- Americans only first lien 30 year mortgage with 24/7 draw ability 24/7. 
- The only first lien mortgage in America that recasts interest every time you make a deposit! 

These three reasons are a lot to digest at first because this loan is a paradigm shift for most Americans. 
The opportunity is what I love about this mortgage. You mold this mortgage to your needs. Conventional mortgages have no opportunity. 
My suggestion would be to talk to me or someone else who has actually had this mortgage and see if it’s right for you. I can tell you from personal experience that it’s helped my wife and I save and make thousands of dollars. 

[Olivia Leija]

Our lender for our last acquisition just recommended the All In One Loan product as well. We are considering using this loan product for our HELOC.

[Sterling B.]

Quote from @Joshua Stanton:

Full transparency, I have and sell the All In One Loan and I absolutely love it! Here are some of the reasons:

- Americas only 30 year first lien mortgage where every deposit goes 100% to principal. 
- Americans only first lien 30 year mortgage with 24/7 draw ability 24/7. 
- The only first lien mortgage in America that recasts interest every time you make a deposit! 

These three reasons are a lot to digest at first because this loan is a paradigm shift for most Americans. 
The opportunity is what I love about this mortgage. You mold this mortgage to your needs. Conventional mortgages have no opportunity. 
My suggestion would be to talk to me or someone else who has actually had this mortgage and see if it’s right for you. I can tell you from personal experience that it’s helped my wife and I save and make thousands of dollars. 

I am looking for a portfolio all in one could you help with that?

[Kristin Solbach]

@Greg Hoffmann, I would love to know if you ended up going with an All in One Loan and if so what your experience has been. 

Also, @Joshua Stanton, how do you protect yourself/assets if you can not deed the property into an LLC?

Thanks so much in advance,

Kristin