For the tax experts here, when I take a policy loan on life insurance for private lending, how should I structure it to minimize taxes?

I have 20k saved and plan to use an FHA 203K loan and house hack to net zero/cash flow minimally on my first investment.

Cost will be minimal compared to falling for the systems where they want to keep upselling you. you dont even need to join local REIA, sleep with GC and ask question that's all LOL 

I buy decent properties and get them fixed right from the get go which minimizes these issues.

House looks updated from online pictures so maintenance is hopefully minimal. 

I am a licensed realtor here in Los Angeles, don't want to deal with the exodus of insurance companies and difficulty getting insurance and keeping it after a claim, tenant landlord laws being heavily in favor of tennants, exorbitant property taxes and minimal RTP among a few other factors with these being the most inspiration to take my money out of california.  

@Matthew McNeil the LTV would be minimal to none since I’m looking to do a cash deal.

I don’t know the exact numbers but I would have to say something like 50% in real estate, 25% in stocks/bonds/401k, 20% or so in cash and about 5% (minimal) crypto and alternative investments.

If you already have a group of investors you work with, understanding their capital reserves, risk tolerance, timelines on return, and various other factors to help you understand what properties will be good deals for them and should help you narrow down your scope.When thinking about what tools to use, think about what you need to get done.As a wholesaler you will need to find leads on potential investments, run numbers on investments, put together investment packages for your investors, etc.Lead Generation:- Can be done on MLS, Auction sites, etc but remember competition will be high here- Pre foreclosure lists- Drive for Dollars- Social Media Campaigns - Billboards & signsProperty / Market Due Diligence:- Bigger Pockets Tools- Air DNA- Reventure App If you would like to connect and discuss in detail I would be happy to brainstorm.Good luckEach market is unique, but the goal when starting out is to minimize expenses while maximizing learning opportunities!

I also considered maybe I could sell the home but I just purchased it a year ago and have minimal equity.Let me know if there is other key information that will help inform your responses.