Liabilities on a Deployment

A business asset with an SBA loan, a brokerage account with a margin loan, or a syndication with bridge financing all surface here. Land assets render in the linked-liabilities card as well, so a financed plot of farmland or raw land shows its loan.

What the Linked Liabilities Card Shows

The card header reads Linked Liabilities with the tooltip External debt secured against this asset (e.g., loans not backed by a policy). When the card is empty, it shows Link an external loan to track current balance, payments, and payoff timing with an Add liability button.

For each linked loan, the card lists:

• Name — your label for the loan
• Lender — the institution holding the loan
• Type — one of Mortgage, DSCR Loan, Hard Money, Private Money, HELOC, Commercial, Personal Loan, or Other
• Current balance — the most recent balance you've recorded, with an Actual data-source badge
• Monthly P&I — the principal-and-interest payment
• Interest rate — the current rate
• Payoff — the planned or projected payoff month and year

Each row links to View loan details for the full liability page where you record balance updates, payment history, and rate changes.

Adding a Liability

There are two paths — at create time inside the asset wizard, or from the asset detail page after the fact.

At Create Time (Real Estate)

The Add Asset wizard captures a mortgage in the same transaction when you add a real estate asset:

This in-wizard path exists because the older "Add liability later" flow buried the mortgage in a separate step that most users skipped, leaving leveraged properties recorded as if they were cash purchases. The Step 2 toggle keeps the mortgage attached from the beginning.

From the Detail Page (Any Asset Type)

For non-real-estate assets, or for adding a second liability to a property (e.g., a HELOC behind a primary mortgage):

For real estate, the Financing card has its own Add liability flow that links the loan to the property and surfaces it in the property-specific tiles.

Multiple Liabilities on One Asset

A property with a first mortgage and a HELOC, or a business with both an SBA loan and a line of credit, can record each as a separate row. Real estate currently surfaces the primary liability in the Financing card; the linked-liabilities pattern on other asset types lists all rows.

What Policy Stack Records

Liabilities are tracked records, not projections. Policy Stack stores what you enter, refreshes the displayed balance from your most recent update, and reconciles the row against your inputs. The Actual badge on current balance reflects the recorded value; the projected payoff date is computed from your contract terms (rate, term, payment, extra principal) when those values are present.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.