226: Michael Lush & David Dutton: Learn How To Pay Your Home Off In 5-7 Years On Your Current Level Of Income

226: Michael Lush & David Dutton: Learn How To Pay Your Home Off In 5-7 Years On Your Current Level Of Income


My guests in this interview is Michael Lush and David Dutton from Replace Your Mortgage.

If you could pay off your a mortgage in even a third of the time instead of waiting thirty years to pay it off, wouldn't you want to know how to do that?

It's possible with the right home loan. While it may seem unbelievable, it comes down to math and a little education that banks prefer homeowners not know about.

Michael Lush has spent fifteen years as a mortgage originator helping consumers get into their dream home.

After speaking to a wealthy mentor of his, he then stumbled across how the wealthy finance their homes using lines of credit.

Along with his colleague, David Dutton, Lush now teaches future homeowners, present homeowners as well as successful real estate investors how to use a simple home equity line of credit to pay off a home in 5-7 years.

Michael and David share through their book, youtube channel and courses, why making extra payments on a mortgage vs a HELOC is still slower and also locks your money up until you sell your home, 2 important reasons why this strategy isn't more well known, How to pay off a home faster even if you have very little equity, 5 powerful resources that will help you get started quickly to becoming mortgage free, pros and cons of a HELOC, deadly mistakes homeowners make when using a HELOC, how to build a real estate empire, and how to buy a vacation home and pay it off quickly.

Interview Links:

Replace Your Mortgage

If you have enjoyed our podcast, please share with friends and family

Please Subscribe, Rate, and Review on Itunes so more people can find us!

so more people can find us!

Please Support Us by Becoming A Patron on Patreon

Support Our Sponsors

The Real Asset Investor, create value for investors looking for higher yield returns from real estate ventures domestically and also internationally and other real asset classes such as ATM's.


Joint Ops Properties, have designed a system to take any beginner to an experienced deal making investor in the least amount of time, offering opportunities from basic education, coaching, bridge investing to turn-key investments in the cash flowing market of St. Louis, MO.


Valhalla Wealth Financial, reclaim the banking function within your own life with the premier strategies of the Wealthy.


Audible, download any audio book for FREE when you try Audible for 30 days


Thanks so much for joining me again. Have some feedback you’d like to share? Leave a note in the comment section below!

If you enjoyed this episode, please share it using the social media buttons you see at the bottom of the post!

Also, please leave an honest review for the Cashflow Ninja Podcast on iTunes.

Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them.

And finally, don’t forget to subscribe to the show on iTunes to get automatic updates, please follow me on twitter @mclaubscher and Instagram, @cashflowninjapodcast.

Until next time!

Live a life of passion and purpose on YOUR terms,

M.C. Laubscher


  • November 21, 2017

    I’ve looked into this strategy, but I just don’t see how it would work with the Infinite banking concept where someone is putting all excess dollars into a policy. Secondly, paying off a mortgage doesn’t make much sense in this low interest rate environment. Personally I would take a 40, 50 or a 100 year mortgage then take “the difference” and put it into cash flow generating vehicles that would make that payment. What are your thoughts?

    • Cashflow Ninja
      November 29, 2017

      Michael, you have great points.I do bring on guests with all different approaches and philosophies to expose my listeners to all the ideas out there. I am bringing on a guest soon with the complete opposite philosophy and approach to paying off your mortgage quickly to educate my listeners on all views.

Leave A Reply

Your email address will not be published. Required fields are marked *