You do eventually need to pay the loan, though at the very least you're able to control when. You can avoid selling into a down market, realize gains in a more

You do eventually need to pay the loan, though at the very least you're able to control when. You can avoid selling into a down market, realize gains in a more tax efficient year, or keep holding the assets as they appreciate faster than the interest rate of your loan against them. Rates are pretty low; I wasn't super-familiar with the terms but quick web searches show threads confirming 2%, one even down at 1.26% given interest rates are so low right now. A huge win in terms of generational wealth under current law is if you keep the loan until you die, the loan still needs to be paid off but your heirs inherit the assets with a step up in basis to the new value, so capital gains are never paid. For this strategy you can search for "buy, borrow, die." Addressing this was in Biden's proposed budget but we'll see if it actually passes... there's likely to be a ton of pushback even though there are some carve-outs for family farms, family businesses, primary residences, etc.