They will also lend to you based on your BTC collateral.

It's like posting dynamic collateral that doesn't actually reduce the loan balance, not exactly a great deal.When the fed raises rates, they are directly targeting actors like this.

That's the category of lender you want to avoid falling into.This is a roundabout way of saying if you can show real value to your borrowers by understanding their business you will attract the best quality borrowers with the best collateral and can charge a premium for your services because they are the borrowers who understand what's most important in a lending relationship and its not solely the rate or origination fees.

Substitution of Collateral.

No one to refer, but when considering a blanket loan make sure to understand the how the loan would treat removing collateral from the pool.

If you are concerned use your investment property as collateral.

Also, for your consideration, instead of cashing out the annuities, can you use them as a collateral for future loans?

But, my partners have asked me to figure out when and how we could be able to access nonrecourse loans against just the company collateral instead...

Loan covenants restrict placing additional debt that is collateralized (backed) by the property.

The two earliest popular and successful “gurus” were Jimmy Napier, whose speciality was investing in notes, mobile homes, and real estate “exchanging”, and John Beck, whose speciality was tax auctions, and complex series of exchanges in which John used near worthless lots acquired for pennies at tax auctions at full tax assessed value for exchange purposes, usually as a downpayment, or as collateral for a private note.