It seems to be something the banks are moving towards over the last 10 years or so.If you want to move to WL from your term, you might want to do it as a supplement of the term because the concept of “infinite banking” is to keep the death benefit as low as possible to promote cash value growth.At the same time, since you’re “squashing” the death benefit in the WL, you may still need a certain amount of coverage for your family if you pass.I look at the death benefit in the “infinite banking” scenario as an ancillary bonus because the growth of the cash is the primary goal.

I would like to take a stab at this.I suspect a lot of these folks reaching out to you read BP forums.And such they like the thought of infinite returns and are OK with max leverage etc.So keep in mind BP folks are reading the BRRR books and building their Core 4 which has been coined by the folks who man the podcast and wrote a book on remote BRRR ( one of the absolute Riskiest endeavors one can take in real estate by the way).So to that extent they are reaching out to you to build the Core 4 you just happen to have all 4 of the Core under one roof.

I spent 10 years pursuing a similar high cash flow strategy in Rochester NY - got up to 15 units - and in the final analysis I would have done infinitely better had I saved all of my ammo to buy a fixer out here in the Bay Area.  

But there is no perpetuum mobile and this will not continue infinitely, just as housing boom of early 2000's didn't last forever.

If you find a property that you finance with a hard money loan, rehab it and then refinance it to get all your money back then you have no cash left in the deal and can get cashflow with an infinite return. 

Here are some general thoughts and ideas on where things could go...I read an interesting paper last year put out by the International Monetary Fund (IMF) that hypothesized that the national debt can pretty much grow infinitely without destabilizing the economy or ever causing a fiscal collapse. 

If you focus on creating more money/income you’re dealing with a potential number that is infinite.

In your case, you essentially have infinite returns - a home run and textbook BRRRR (congrats!).

My answer, after 40 plus years making my living investing in real property, mortgage notes, real estate securities, and running real estate funds and syndicating real estate deals is as followsWholesaling any real property types is infinitely harder if you are financially unable to close the purchase and need to “flip” the contract.First, you’ve got time constraints when you can’t or won’t conclude a purchase.  

I’ve paid myself back every penny I’ve ever put into real estate so it’s infinite cash flow from here on out.