CalculateRealEstateROI

Financing

Infinite Banking Concept

Using whole-life insurance cash value as personal capital reservoir for real estate deals.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Core concepts

Cash value access

Borrow against policy at policy rate without disrupting compounding.

Tax efficiency

Loans not taxable; death benefit tax-free.

Examples

  • Borrow against $200k cash value at 5% to fund BRRRR down payment.

Practical applications

  • High-income earners.
  • Investors building long-term private banking infrastructure.

Common mistakes

  • Treating it as fast money.
  • Underestimating premium drag in early years.