Well, there are 2 caveats to this as explained in the linked thread. First, that interest rates for loans like that are higher than if you have the asset valua

Well, there are 2 caveats to this as explained in the linked thread. First, that interest rates for loans like that are higher than if you have the asset valuation to get loans from lenders that specialize in that kind of thing. Second, that when you die you're subject to a 40% tax on your estate over your lifetime tax free gift limit, so it makes more sense to use irrevocable trusts to help shelter your estate from that in the event of your death.