I have more than enough net worth and global cashflow to cover a gap, however because most of my net worth is in collateralized real estate, I cannot directly access by say cashout refinance. 

Typically spreads on loans collateralized by CDs are around 200 bps. 

So, what I do to satisfy both the financial benefits of utilizing leverage AND the psychological benefit of being debt free is I only have mortgage loans in which the property is the sole collateral with no liability to myself or my entities.  

I would need a long term loan or mortgage using my house as collateral.

"Additional Insured" on Insurance Policy to Property as CollateralHow specifically should a private lender be mentioned on the owner's insurance policy to a property used as collateral to a loan.

Your SBA lender will also be a good lead since they can cross collateralize the loan.

For those four years that I had the insurance loan - the cash value was collateral, so the actual cash value in the policy continued to grow.  

For the Gator loan you would work out some type of repayment structure and a lien would be placed on the property or some cross collateral. 

@Chris Seveney is correct though in this scenario your going to need cross collateral.

I also utilize subordination of the mortgage and substitution of collateral where appropriate to create the “enhanced” returns that I seek.