Do you have access to off market deals that an investor friendly realtors tend to have? 

Using Whole Life insurance is a important cog in that plan.I would personally put my assets inside a BDIT (Beneficiary Defective Inheritor's Trust), or a SLAT (Spousal Lifetime Access Trust) to freeze the estate at $10mm.  

Of course, make sure you research whether there are restrictions.

Someone mentioned to access banks instead of use funds from the WL company.

You may not be like that, but you have to prove yourself to a good agent, not the other way around.How would you do all of the due diligence, get inspectors, get access, on an out-of-state property with an agent who is working only for you?

In Florida, you have to be a licensed RE broker to manage property for property owners, which adds thousands of dollars a year just to stay licensed: state required license fees, CE, insurance, Realtor dues, listing memberships, public-access office, etc.Additionally, property owners expect much more from PM's than in past years.

2- Is everything as accessible as they say? 

I feel like I’m ready to take the next step, but also feel burdened by this bad debt and hamstrung with accessing my equity.

Here’s what you can expect:100% Financing: We cover the entire cost of the deal, removing a significant barrier for many investors.Rehab Management: We manage the rehab process to ensure the work is done correctly and on time.Mentorship: You get access to mentorship from experienced investors, which can be a game-changer.My ExperienceI’ve seen firsthand the positive impact our program has on our partners.

As one of the owners, alongside Peter Vekselman, our goal is to support and guide you through your real estate investing journey.About Partner Driven100% Financing: We cover the costs of acquiring and rehabbing properties, removing a significant barrier for many investors.Coaching and Support: We offer ongoing coaching, deal review, and team support to help you succeed.Profit Sharing: We operate on a 50/50 profit split, ensuring that both parties benefit from successful deals.Comprehensive Tools: Access to software for finding and tracking off-market and pre-auction properties.Real-World ExamplesTo get a better sense of our work and see some of the successful deals we’ve done with our partners, please visit my BiggerPockets profile.