Free Chapter 1 · The Investor's Capital Playbook

The Deal Your Lender Killed

Name: The Investor's Capital Playbook
Author: Bader Ale

Chapter 1 of my new book for real estate investors. Where deals get stuck, what a policy loan really is, what it costs, and a 5-question test to see if it fits you. Plain words, about a 15-minute read.

Where deals really get stuck: appraisals, seasoning, repair draws and changing terms
How a whole life policy loan works, and who you pay the interest to
Why a lump-sum start changes how soon you can borrow, within the insurer's limits
Every cost and limit up front, including when you should skip this
The keep-reading test: five Yes / Not sure / No questions

Cover of The Investor's Capital Playbook

Get Chapter 1 free

Enter your first name and email. Your download opens on the next page.

Plain truths first

A policy loan comes from the insurance company, and the interest goes to the insurance company. You aren't paying yourself.

Loans accrue interest. Unpaid loans and interest lower your cash value and death benefit. Dividends are not guaranteed.

You can borrow only part of what you put in, and you may have to keep paying premiums for years.

Agents earn commissions on these policies. That includes me. For many investors, the right answer is no. Chapter 1 helps you tell.

What the full book covers

15 chapters. The honest math included.

Part 1The problem and the tool: what a policy loan is, how the policy is built, how soon you can borrow

Part 2The honest math: the true cost next to hard money, HELOCs and DSCR loans, and why not just use the cash

Part 3By strategy: down payments, flips, BRRRR, buy-and-hold reserves, land and notes

Part 4The Florida investor: storms, insurance and condo rules

Part 5The decision: when it goes wrong, your heirs, and should you do this at all

The full book is coming soon. Get Chapter 1 now and I'll email you when it's out.

Who wrote it

Bader Ale, Licensed Life Insurance Agent (FL G312129) with Infinite Capital Solutions. I'm also a REALTOR® with Ale Dream Homes, licensed with My Realty, so I see these deals from both sides of the table. I speak English and Spanish.

Send Me Chapter 1 →