I help investors optimize their financial strategy by implementing the Infinite Banking Concept (IBC), finding the best insurance for their properties and cars, and connecting them with legal experts for living trust creation.

Carrying costs are minimal, I bought all cash - no bank interest to worry about.

Buy of course banks won’t use “gift funds” and I don’t want to wait 60 days to let season.

I understand that you borrowed from VCF, but I'm curious if you talked to any local banks/credit unions to comparison shop and if they were competitive?

In the situation you're describing, all the leveraged owners of real estate will be the *first* ones to implode right off the bat (and have to turn over the keys to the bank).

The struggle comes when you plan to sell, pay close attention to how the bank would treat the loan in the event you would sell.Even though its a bit more work, banks are typically open to these loans as it provides them with additional collateral in the event of default.  

Whether you form an LLC together or structure it as a joint venture, you’ll want everything in writing so there’s no confusion down the line.For funding, private investors and local banks are your best bet.

If you're focusing on rural properties, sometimes local community banks or credit unions are open to these types of deals.

IF you have super strong income and you and have a lower 1st lien, lots of equity - MAYBE your best bet is using a local bank or CU to get most competitive HELOC inv terms.

Everyone and their brother is now offering AI tools to evaluate loan documents and bank statements.