Opportunity in the All In One Loan

Opportunity in the All In One Loan

Member since 2022 · 8 posts · 4 votes

I’d love to discuss the All In One Loan and how other members finance real estate growth. 
Full disclosure, I sell the All In One Loan and i personally use it to multiply real estate. I think it’s simply the best financial mortgage tool in America. 

Quick info about what I’ve done. My wife and I refinanced into the All In One Loan 4 years ago. Since then we have paid down the loan balance by one third as well as purchased 3 rental properties. Our system is working really well and the process is simple. Our goal is to purchase real estate and pay off personal debts as cheap and as fast as possible. 

This is how it works; the All In One Loan is a mortgage debt accelerator and a 30 year draw in one. The mortgage program takes the place of your homes first lien. Every deposit you make goes directly to principal (only mortgage in America that does this) and becomes liquid equity. This liquid equity can be withdrawn whenever you want for whatever you want. The interest is connected directly to your principal balance and recasts every time there is a deposit or withdrawal. You can make as many deposits or withdrawals as you wish. There’s online banking, a debit card and checks so this functions like a checking account. In fact, we use this for our entire financial life. Our money goes in, our balance gets paid down. We pay our bills directly from the account and our leftover positive cash flow works to pay down the balance when we aren’t using it. We have no dead money in our lives, it’s always working! Essentially, we’re a little bank.
when we find a home we’d like to purchase we look to see how much available equity we have and wire those funds to closing and boom, new rental property. We put a 30 year fixed on that rental property and the renter pays the mortgage and then we rinse and repeat. It’s easy and legit, no tricks or cheats and we have all the control of the money.

What are other people doing that they find easy and successful? 

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  • Rental Property Investor · East Wenatchee, WA · Member since 2014 · 10k+ posts · 16k+ votes
    4y

    Sounds similar to a Heloc. 

    Is the rate fixed?  Is the rate comparable to conventional mortgages? Does it expire after x# of years with a balloon requirement? 

  • Lender · Bellevue WA & Orange County, CA · Member since 2013 · 2k+ posts · 1k+ votes
    3y
    Quote from @Steve Vaughan:

    Sounds similar to a Heloc. 

    Is the rate fixed?  Is the rate comparable to conventional mortgages? Does it expire after x# of years with a balloon requirement? 

     HI Steve,

    The rate is not fixed, its based off the 1 month CMT (constant maturity treasury) index + usually 3.75% (the index is not fixed but the margin is fixed) and its interest only during years 1-10.

    It does not expire or balloon like commercial loans do. The loan is 30 year term and is designed to pay down to zero balance from years 11-30 with initial 10 years as interest only. You can draw upon the AIO or take a draw anytime during the 30 year term however starting in years 11-30 the maximum line available to you as the borrower declines at the rate of 1/240 months per month (aka its a 20 year amortization from years 11-30).

    Its a great product if you know how to use it and it has its pros and cons like any other. 

    @Matthew Kwan @Carlos Valencia

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