Acquisitions & down payments
Once cash value has built, policy loans may fund earnest money, down payments or all-cash offers — without reapplying with a lender.
For Real Estate Investors
Build Liquidity for Your Next Opportunity.
Acquisitions, down payments, renovations and reserves — capital you can reach when the deal is ready.
Renovations & reserves
Capital for rehabs and property reserves that stays available between deals.
Less lender dependence
A source of liquidity under your control, so your timeline isn't set entirely by a bank's.
How investors use it
Capital moves into the policy, cash value builds, and once it has, policy loans may provide liquidity for the next opportunity. As the deal produces income or refinances, the loan can be repaid on your schedule — restoring the reserve for the one after.
Loans accrue interest and reduce cash value and death benefit until repaid; how a policy credits dividends while a loan is outstanding varies by carrier. The design — and the carrier — matter.
Educational overview only. Whether a strategy is suitable — and how it should be designed — depends on your circumstances, health and underwriting, the carrier and product, and funding. Policy values, liquidity, costs and tax treatment vary; dividends are not guaranteed. Disclosures.