Real-Estate Bridge, Without Hard-Money Stress
Cover earnest money, rehab draws, or quick closes with your own system. 90-day use, repay at exit.
Product identification: this page discusses participating whole life insurance. It is insurance, not a bank account or investment.
We are not a bank: “The Infinite Banker” is an education brand. We do not accept deposits, and we do not offer FDIC- or NCUA-insured products.
Guaranteed vs non-guaranteed: dividends and other non-guaranteed elements are not guaranteed and may change. Any values shown that include non-guaranteed elements are for education only.
Why Real Estate Investors Use Policy Loans
Real estate moves fast. The best deals require immediate capital:
Earnest money to lock a contract
Cash offers to win in competitive markets
Rehab draws while construction loans are processing
Down payments when timing is tight
Bridge capital between sale and purchase
Hard money lenders charge 8% to 12%+ with points, fees, and short timelines. Banks require extensive underwriting and often can’t move quickly enough. Your own policy eliminates both problems.
Speed and Certainty
When a deal appears, you need certainty of close. Policy loans deliver:
3 to 7 day funding from request to check
No approval process beyond confirming cash value
No contingencies that could kill your offer
Simple execution with one carrier contact
The seller doesn’t care where your cash came from. They care that you can close. A policy loan gives you that certainty.
The 90-Day Bridge Strategy
Many real estate plays are short-duration:
Flip scenario:
Take $80,000 policy loan for purchase and light rehab
Complete work in 60 days
Sell for profit in 90 days
Repay policy loan from sale proceeds
Entire loan costs less than $1,000 in interest
Full cash value restored and ready for next deal
BRRRR scenario:
Use policy loan for down payment and initial rehab
Refinance out within 6 months when property is stabilized
Repay policy loan from cash-out refinance
Cash value restored, property generating cashflow
Cash offer scenario:
Pull $150,000 policy loan to win with all-cash offer
Close in 10 days instead of 30-45
Secure permanent financing at lower rate within 60 days
Repay policy loan, capture equity upside from cash discount
Longer Hold? No Problem.
Not every deal exits in 90 days. If you hold the property longer:
Extend the policy loan repayment indefinitely
Service interest annually or let it compound
Repay from sale, refinance, or cashflow whenever it makes sense
No prepayment penalties, no extensions to negotiate
The policy doesn’t care about your exit timeline. You control the entire cycle.
Who This Works For
Real estate investors and operators who need reliable bridge capital:
Fix-and-flip investors
BRRRR strategists
Wholesalers occasionally taking down properties
Developers covering earnest money and early costs
Portfolio investors bridging between sales
Policy Loan vs. Hard Money Comparison
Rate:
• Policy Loan: 5% to 6% simple
• Hard Money: 9% to 12%+ plus points
Approval:
• Policy Loan: None required
• Hard Money: Full underwriting
Speed:
• Policy Loan: 3 to 7 days
• Hard Money: 10 to 30 days
Fees:
• Policy Loan: Zero
• Hard Money: 2 to 5 points upfront
Prepayment Penalty:
• Policy Loan: None
• Hard Money: Often 3 to 6 months interest
Flexibility:
• Policy Loan: Infinite
• Hard Money: Rigid
Steps to Execute
Identify the opportunity and capital requirement
Confirm cash value covers the need plus cushion
Request policy loan immediately
Close the deal when funds arrive
Execute your strategy (flip, BRRRR, hold, etc.)
Repay from exit or permanent financing
Repeat on the next opportunity
The Lifetime Advantage
Real estate investors finance dozens of deals over a career. Every deal financed through a policy recaptures margin that would otherwise go to a lender. Compounded over 20 or 30 transactions, that’s transformational capital.
This system works best for high earners with existing liquidity and the capacity to fund meaningfully each month. If that’s you, complete intake and book your Discovery call.
Invitation to inquire: The information provided is an invitation to inquire about our services and is not an offer to sell insurance or securities. Renewal, cancellation, termination: Policies require ongoing premium payments. Non-payment may result in lapse or termination. Surrendering a policy may result in fees and tax consequences. Licensing scope: We are licensed insurance professionals. We do not provide legal, tax, or investment advice. Consult your advisors. Loans reduce cash value and death benefit: Outstanding loans and interest reduce available cash value and death benefit. Loans are not required to be repaid during the insured’s lifetime, but unpaid loans will reduce death benefit. Comparisons are educational: Any comparisons to other financial products are for educational purposes only and are not guarantees of performance. “Infinite Banking Concept®” is a registered trademark of Infinite Banking Concepts, LLC. The Infinite Banker is independent: We are not affiliated with or endorsed by Infinite Banking Concepts, LLC.
