Insurance companies often prey upon agents (Especially new ones) telling them only half the story to encourage them to sell as many of these "infinite banking" policies as possible and make large commissions. 

If I have no money in this (infinite return) then I will have my money, that wouldn't be put into a down payment, for reserves. 

Well, this is because Nike has an infinite amount of credibility.

Most of mine have infinite ROI, but I have 3 that for various reasons were not  refinanced to extract my investment (one had no value add, the other 2 have not been refinanced to extract the over $1m value increase due to rate increases). 

An entire shelf fell off of my wall breaking a few of my antique items, that were not heavy.

That said, this method is only for investors, title companies and sellers who fully understand what a 'subject to' transaction is and put the proper protections in place with the respective paperwork.2 is to use an Infinite Banking strategy which is done by using the cash value built up in a permanent life insurance policy through a loan at roughly 5.5%.

For a rental, I would just use off-the-shelf cabinets like those at Home Depot or Lowes.

I’ve paid myself back a few years ago all the $ I’ve ever put into RE from the cash flow, so I’m zero out of pocket on investing in RE with infinite returns from here on out.

This question is about Infinite Banking concept. 

A system based on infinite borrowing until some point in the future when the whole system collapses and we switch to a new (and most likely digital) currency backed by precious metals.