Rents flow in, balance drops
Every rent check that lands lowers the balance the day it arrives. Across a portfolio, that is a steady stream of dollars sitting against principal.
Strategy · Principal Reduction
The All In One Loan™: pay principal down with your rents.
The short answer
Keep reading for the full breakdownThe All In One Loan™ is a first-lien HELOC attached to a checking and savings account, with daily simple interest. It replaces your mortgage and your bank account at the same time.
Here is the strategy. You deposit your rental income, and any other income, directly into the account. The minute it lands, it lowers the balance you owe interest on, and interest is calculated on that lower balance every single day the money sits there. Whatever is left over at month-end stays put and keeps working. For an investor with real residual cash flow, that drives principal down far faster than a traditional amortized loan, while the money stays accessible the whole time. It is not for everyone, and the math decides.
01 ·The Mechanism
The daily balance effect
A traditional mortgage calculates interest monthly on a fixed balance. The All In One Loan™ calculates it daily, on whatever the balance is that day.
So every dollar of rent sitting in the account is a dollar not accruing interest that day. Park income there between the day it arrives and the day you spend it, and those idle days quietly work against your principal instead of for the lender.
The residual income effect
The second effect is the one that compounds. Whatever is left over at the end of the month does not get swept away. It stays in the account and keeps driving the balance down.
That residual is the engine. The bigger the gap between what your properties bring in and what they cost to run, the harder this strategy works. Thin residual, and it works far less.
02 ·Why It Fits Investors
An investor's cash flow is built for this
Rental income tends to arrive in chunks and sit before it is spent. That pattern is exactly what this account rewards.
Idle days do the work
Money waiting to cover taxes, insurance, or the next repair is money working against your balance while it waits, instead of sitting in a checking account earning nothing.
Your reserves stay liquid
It is your checking and savings. The available line is your money, accessible 24/7. You are paying down principal without locking the cash away.
Principal you actually keep
Unlike extra payments mailed to a traditional servicer, the dollars driving your balance down here remain available to you if you need them back.
03 ·Who It Is For
It is not for everyone. The math decides.
A strong fit
Investors with real residual income at month-end. The more you run through the account in deposits, and the bigger the gap between what comes in and what goes out, the more days each dollar 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, and we will tell you that rather than sell you the name. Many investors graduate into the All In One when the math says it is time.
04 ·How It Is Built
The structure, at a glance
The All In One Loan™ is an adjustable-rate, first-lien HELOC. The rate is built from an index plus a margin, with a rate floor and a maximum rate, and we walk you through all four pieces in context.
Educational content, not a rate quote or a commitment to lend. Rates, margins, and terms are adjustable, vary by occupancy, credit, LTV, loan size, and the deal, and are subject to change without notice. All loans are subject to credit and underwriting approval. Not all applicants will qualify.
- Position
- First-lien HELOC, it replaces your first mortgage rather than sitting behind it
- Account type
- Open-ended and revolving, draw and repay as needed
- Interest
- Daily simple interest on the current balance
- Rate type
- Adjustable: index plus margin, with a floor and a maximum rate
- Access
- Checking and savings, your money available 24/7
- The engine
- Strong, steady residual income at month-end
The investors who win with this account treat the residual like it is sacred. The ones who treat it like a regular checking account, and spend it down to zero every month, never see the strategy work. The leftover money is the whole point.
Illustrative scenario. Details anonymized.
05 ·Run Your Numbers
Let the simulator settle it
This is a math product, not a faith product. Whether it beats a fixed-rate loan for you depends on your balance, your income, your spending, and the rate at closing. There is a simulator for exactly that, and it runs your specific picture rather than a generic example.
If you want the full mechanics, an illustrative scenario, and the rate structure laid out piece by piece, read the All In One Loan™ product page. Then run the simulator with an Investor Success Coordinator. If the math says a fixed-rate loan wins, that is the answer we will give you.
06 ·FAQ
Questions, plainly answered
It charges daily simple interest on the current balance, and your income flows into the account. Every dollar sitting there lowers the balance you owe interest on that day, and the residual left at month-end keeps driving principal down.
Keep Going
Related reading
Scaling Past 10 Properties
Where the All In One fits in the bigger plan as the portfolio grows.
Read the breakdownDSCR vs. Conventional Loans
How the products fit together as you build and scale a portfolio.
Read the breakdownRental Portfolio Loans
Another way to put the cash flow from a portfolio to work as it grows.
Read the breakdownSee if this 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 beats a fixed-rate loan for you, or whether it does not.
Talk to a Human