Hence the term "infinite banking" concept.Where are the funds to repay the credit cards coming from?

Never spend your seed money...use it an infinite number of times though.  

So long as its ongoing average income is $1.00+/m higher than its average expenses, then you're getting INFINITE returns! 

The fast appreciation allows high amount cash out and real BRRR, which essentially means infinite return with ZERO cash in.If you let me choose a market, I will definitely choose to move to SF bay area to invest.

The reason I ask is that in the Bay Area, if you can get past the barrier to entry, you can get to an infinite ROI with BOTH cash flow and appreciation. 

My ROI and ROE are both infinite since I had no money invested in the deal- great!  

Not to mention, the infinite advice I've gathered from reading other posts. 

One thing that might be able to help you especially if your long-term goal is to invest in more properties it is to invest in a solid property manager.Your time as an investor is infinitely better spent analyzing markets and deals.You want to move up the 80/20 leverage curve from technician to investor/entrepreneur.In Bridgeport, CT and Texas the investment is about 10% of rents collected which frees you from taking resident phone calls, coordinating maintenance, leasing vacancies, accounting P&L's, conducting inspections and making property payments.Happy to discuss further if you have questions. 

I am curious exactly how they did this as the variables in price is near infinite.  

You want to have a tax strategy, diversify (maybe some syndications, self investing in RE, whole life policies for infinite banking, some stock market,  possibly buy existing biz with great operators / operations and just keep them successful, etc.).