Home Life Insurance How To Finance REAL ESTATE w/ Whole Life Insurance | IBC Global, Inc

How To Finance REAL ESTATE w/ Whole Life Insurance | IBC Global, Inc

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How To Finance REAL ESTATE w/ Whole Life Insurance | IBC Global, Inc



Is it possible to invest in real estate using a life insurance policy? A properly designed whole life policy is a useful tool that can be used for a lot — paying off debt, …

19 COMMENTS

  1. I want to pursue a career in real estate investing. What course in finance should I take to educate my self about tax, investing, how to manage finance ect ? But by doing so I aslo want a degree in that coarse??

  2. Thanks for the great content, Steve. Would the interest I pay to the insurance company be deductible if I use the loan to finance an investment property?

  3. I would like to set up a corporation to do loan real estate investements. From what I understand, I can transfer in my corporation a starting amount, lets says 5M. I would then take an whole life high cash value that I would capitalize with 1M$ a year for 5 years. After that I would take a line of credit against the cash value of the policy. I would use the line of credit to finance real estate loans. If I understand correctly I could finance up to 90% or mt line of credit with the cash value of the policy. Now, I would like to understand what will happen when I die. The corporation will receive the death benifit and use it to reimburse the line of credit and they still will have the loans values in the corporation. At this point to continue to grow, the corporation will have to give to the bank as collateral, the loans the corporation has and negotiate the line of credit based on that and then use the line of credit to finance a new policy for the new owners (in that case, my sons). Do I understand the process correctly?

  4. How long will it take me to accumulate $500000 cash? Anyone with a good down payment at the age of 18 can go to a bank and get a $350000 loan. Turd of a product

  5. I know you are not a tax advisor, but maybe you could clarify a little bit on how a situation might work.

    If I borrow say $100,000 from my policy, and flip a house for $125,000 for a $25,000 profit. My loan is tax free, and I would owe capital gains on the profit of $25,000? Or something to that affect?

  6. This is a great example of fully financing with your CV. Can you look at a strategy where you leverage the cash value as a down payment to purchase a larger piece of property to take advantage of OPM at lower interest rates and get higher cash flow?

  7. Awesome channel subscribed?. Filled out a form interested in starting a policy with your company.. been looking to start one but most people in the industry that i’ve talked to isn’t as transparent as you guys. Curios on the difference between a Heloc and IBC. Have some properties that I can tap capital on. Feel like the capitalization for the policy could be a drag on the opportunity cost. Thanks!

  8. Great content but there is just one key component missing on this, as long as you go with conventional financing, you would have to move the cash from the policy to your bank account at least two months in advance because of the seasoning requirement from the banks. Just something to be aware of.
    Thank you for the content!!!

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