The All In One Loan™. Become your own bank.
A first-lien HELOC attached to a checking and savings account. Open-ended and revolving, with daily simple interest. Your paychecks, rents, and other income flow in and drive the balance down dollar for dollar, and the money stays accessible 24/7.
In plain language
Your income flows into the account the minute it lands and drives your principal balance down. Interest accrues on the lower balance for as many days as that money sits there. When you pay your bills, the balance goes back up. Then the cycle repeats.
If you have heard of velocity banking, infinity banking, or whole life insurance with sweep accounts, this is the same idea, built into your mortgage.
Two compounding effects
The daily balance effect
Interest accrues on a lower balance every day your money sits in the account. Every dollar parked there is a dollar not accruing interest that day.
The residual income effect
Whatever is left over at the end of the month stays in the account, continuing to drive principal down. That residual is what makes or breaks the strategy.
It is not for everyone. The math decides.
A strong fit
Investors and earners with real residual income at month-end. The bigger the gap between what comes in and what goes out, the harder this works. The more you run through the account in deposits, the more days that money spends driving your balance down.
Not your product
If you have very little left over at the end of the month, this is not your product (yet). With thin residual income, a fixed-rate loan usually wins. The math will tell us, and we will say so. Many investors graduate into the All In One when it makes sense.
One illustrative scenario
Set the stage: a $325,000 balance, about $10,000 a month of income flowing in, with roughly 15% of it left over at month-end.
~$58,000
Interest saved over the life of the loan
~12.7 yrs
Payoff time, instead of 30 years
24/7
Access to your money the entire time
Illustrative example only. Not a commitment to lend, an offer of credit, or a rate quote. Your results depend on your balance, income, spending, and the rate at closing. Run the simulator with an Investor Success Coordinator for your specific picture.
How it is built
The All In One Loan™ is an adjustable-rate, first-lien HELOC. The rate is built from an index (the One-Year SOFR, the Secured Overnight Financing Rate) plus a margin, with a rate floor and a maximum rate. Your margin depends on occupancy and the deal, and is set at closing. We walk you through the index, the margin, the floor, and the max, and put the adjustable rate in the context of its long-term historical average.
Rates, margins, and terms are illustrative, vary by occupancy, credit, LTV, loan size, and the deal, and are subject to change without notice. This is not a rate quote or a commitment to lend. All loans are subject to credit and underwriting approval.
- Position
- First-lien HELOC (replaces your first mortgage)
- Account type
- Open-ended, revolving (draw and repay as needed)
- Interest
- Daily simple interest on the current balance
- Rate type
- Adjustable: index + margin, with a floor and a maximum rate
- Access
- Checking and savings, your money available 24/7
- Best paired with
- Strong, steady residual income at month-end
Where investors trip up
Spending the residual
The leftover money is the engine. Treat the account like a regular checking account and spend it all, and the strategy stalls.
Using it with thin residual
If there is little left over each month, a fixed-rate loan may beat it. Pick this product for the cash flow, not the name.
Judging the rate by the headline
It is adjustable, with a floor, a max, and a long history. Look at the whole structure before deciding the rate is a dealbreaker.
Comparing it to a 30-year fixed head to head
One is a closed-ended amortized mortgage, the other an open-ended revolving HELOC. The point is speed and total interest, not an apples-to-apples payment.
All In One Loan™ questions
Still deciding if it fits? See DSCR vs. Conventional Loans for how the products fit together.
See if the All In One Loan™ is your math.
Twenty minutes with a real person. We run your balance, income, and residual through the simulator and tell you the truth: whether this product beats a fixed-rate loan for you, or whether it does not.