If you are going to make more having it in the bank where you have to do nothing, then why not do that?

If you ever see someone offering terms that are too good to be true, you might as well just post your SS# and banking information on IG.

If so, I'd consider those options first as they fit in the infinite banking concept.

I could have explained it to anyone.

Bank financing is very tough for anyone starting out so HML is generally ( unless you use your own cash or cash in your network) the only funding there is.. the goal has to be though moving towards bank financing so you get the best deal possible.. right now I am at 1/2 point and 7% and my bank pays for my appraisals.

And your bank is not requiring any sort of paydown of the mortgage for a partial release. 

Bank Credit Line How did you add value to the deal?

Most banks don't really know how to do that because they cater to SFH owner-occupants. 

This was a cost-effective way to meet our requirement of providing just a stove and refrigerator (we don’t include washers or dryers), without breaking the bank further.But here’s the twist: If we were upgrading appliances for a long-term tenant with a stellar payment history, we might invest in brand-new appliances.

I think the LLC also makes it easier to open a local bank account, which is convenient to pay utilities or other local bills or your property manager, etc.