Is there a way to do infinite banking without third party lenders? 

And I’ve used both my 401k and Roth to create infinite returns and generational wealth with real estate in the 9 years I’ve been investing.

Especially since it’s really an infinite year loan that’s 100% forgiven upon your death  like a $2.5M gift. 

I've noticed a trend: the OG's that went through the GFC 2008-2010 meltdown are fine with a low return on equity and cash on cash return, avoiding mortgages and paying with cash, while the Young Bucks are all about maximizing leverage, $0 down strategies, creative financing, "infinite returns", growing the portfolio to the moon as quickly as possible and measuring it by number of doors as the primary metric instead of equity/ actual wealth. 

My maintenance man tells me it's infinitely easier to install.

People buy because of infinite factors.

However if I do a BRRRR I can achieve infinite return by extracting all of my investment.

The 25% of RE still owned is in effect purchased at 40% discount allowing cash flow and full extraction of investment providing infinite return. 

That's infinite returns.

This is where infinite banking is a stable for accredited investors - doing 50-100K a year to one of these plans (over 5-8 years) for starters.3.