Bank of America has $25 billion in life insurance. JPMorgan Chase has $12.8 billion. PNC has $11.4 billion. Over 3,000 U.S. banks own a combined $205.7 billion in life insurance policies. Read that again. The same banks that sell you mutual funds and CDs at 4%. The same banks that charge you fees on your own money. They are quietly buying billions of dollars in permanent life insurance for themselves. Why? Because it grows tax-deferred. Because they can access the cash value without triggering a taxable event. Because the death benefit comes in 100% tax-free. Because during the 2008 financial crisis, when everything else was crashing, their life insurance portfolios delivered steady returns. Banks aren't stupid. They know exactly where to put their money. They use life insurance for tax-free growth, stable returns, and funding employee benefits. It's their quiet power move. But here's the part that gets me. They will never tell you to do the same thing. They'll tell you to put your money in a 401(k). (Get that match if you can (: ) Pay fees you can't see. Take all the market risk. And hope it works out. Meanwhile they're doing the exact opposite with their own capital. Think about that. The strategy isn't a secret. It's been around for over 100 years. It's just that nobody on Wall Street makes a commission when you buy life insurance instead of their funds. If you want to learn how to use the same financial strategy that banks use with their own money, comment FREEDOM or book a free strategy session at familybankingvault.com

You are waiting for the bank to raise your credit limit. The bank is waiting for you to do one thing first. Here is what nobody tells you about how credit limits actually work. The Federal Reserve just released a study on credit card lending. They analyzed over 70% of the entire US credit card market. What they found will change how you think about your credit forever. 80% of all credit limit increases are initiated by the bank. Not by the customer calling in and asking. The bank decides to give you more credit based on one thing. Your behavior. Banks use what is called a "low and grow" strategy. They give you a low limit on purpose. Then they watch what you do with it. If you do the right thing, they quietly raise your limit without you even asking. If you do the wrong thing, your limit stays exactly where it is. So what triggers the increase? The study found that carrying a balance between 30% and 70% of your limit gives you the highest probability of a bank-initiated limit increase. Read that again. That utilization sweet spot has the same effect on your chances as a 60 point credit score improvement. You could spend months trying to raise your score by 60 points. Or you could position your utilization in the right range and let the algorithm do the work. Banks are pushing out over $160 billion in new available credit every single quarter through limit increases alone. That is not new cards. That is existing cards getting bigger limits. The money is already flowing. The question is whether your profile is positioned to catch it. Most people either max out their cards or pay them to zero every month. Both of those behaviors tell the algorithm the same thing. This person does not need more credit. The people getting automatic limit increases every 6 months are the ones who understand how the system actually works. I turned a 520 credit score into an 850. Built over $1.3 million in available credit. Helped over 2,100 clients do the same.

Hello! I am unable to locate any promotional materials to obtain Clients. Advertising & Promotional Materials were shown in the Business Opportunity call. Can someone please let me know where the Marketing Materials are located. Thank You Kindly!

@John Duda and @John Duda Regarding the real deal breakdown I have some questions: FIRST QUESTION: concerns funded down payment with 10k? 20% down payment on loan was 20% of what amount? - Cant be purchase price because 20% of 53k is 10,600 - Cant be purchase price + closing because 20% of 61k = 12.200 Next, which liquidation service was used and how much did they charge? Finally, Who financed the initial loan given that only the second loan was a DSCR loan and what type of loan was it? I'm presuming this was a hard money loan from a different lender than the 1 that did the DSCR loan. Rehab funding - Did you pay the rehab people up front?  - How did both sides protect themselves during the rehab? In other words if you weren't satisfied with the work did you specify the terms of refund? And how does the contractor ensure that the property owner doesnt charge back the charged amount for a frivolous reason? Cash-out Refinance - DSCR lender gave 75% of ARV = 90k Paid back debts: - Can you itemize the things you had to pay off with the 90k and show how that led to 5k of remaining profit afterwards? Eg. 90k - (80% of initial loan + rehab put on cc + ??? ) = 5k Regarding 400/mo in cashflow - Would you be willing to fill in this calculator and screenshot the output - https://www.ridgestreetcap.com/blog/brrrr-calculator - Is there a different BRRR calculator that you use to analyze your deals? It seems that most people are charging for their BRRR calculators.

A 780 credit score just got denied for $50K in business credit. A 680 score got approved for $250K. Same bank. Same week. Here is what happened. A 780 with 1 personal card, a thin file with only 3 accounts, and zero business credit history. The 680 had 12% utilization across 14 accounts, 9 years of history, a paid auto loan, a mortgage, and 3 existing business cards with perfect payment records. Banks do not lend based on your score. They lend based on your profile. Your profile tells a story. The score is just the headline. Here is what actually matters when a bank underwrites you for business credit. Utilization. Under 10% is ideal. Under 20% is acceptable. Anything over 30% is a red flag. Account diversity. They want to see revolving credit, installment loans, and ideally a mortgage. A thin file with 2 credit cards tells them nothing. Payment history depth. Not just "on time." They want to see 24+ months of consistent behavior across multiple accounts. Inquiry velocity. Watch your inquiries. Age of accounts. 2 years minimum. Average age of 5+ years signals stability. Closing old accounts kills your average. 9+ years is best. This is why most people fail at getting funded. They chase the score and ignore the profile. I have personally built over $1.1M in business credit lines. Went from a 520 to an 850 credit score. Helped 2,100+ clients get funded using this exact framework. The profile always comes first. If you want a free breakdown of what banks actually look at before they approve you, comment "PROFILE" below. I built a step by step guide that shows you exactly how to build a bankable profile, even if you are starting from scratch. If you want a free profile audit where we look at your profile. Book a free strategy call here: https://skoolmbs.com/roadmap