They're Lying To You About Velocity Banking (This Math Proves It)

I sit down with Zach Oehlman, a former velocity banking and 1st lien HELOC advocate turned whistleblower—who’s now calling out major figures like Michael Lush and the Kwak Brothers. After years as a top affiliate with Renatus, Zach breaks down the flawed math behind velocity banking, explains why the strategy doesn’t outperform simply paying down your mortgage, and shares details of his lawsuit against Renatus. If you’ve heard claims of paying off your home in a few years using HELOC “chunking,” this is a direct, numbers-driven breakdown—and an open challenge to anyone defending the strategy.

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Chapters:

00:00 - Interview Teaser

01:36 - Guest Introduction, Velocity Banking, Lines of Credit

04:24 - The Legal Battle with Renatus *12-Year History with Renatus *Why is he suing the company?

11:40 - Attempts at Dialogue and Professional Audits

18:51 - What is Renatus and What Do They Sell?

24:57 - Understanding the Velocity Banking Pitch

27:31 - Debunking "Amortized Interest" Myths

29:22 - The Host's Own Correction on Amortization

33:59 - Flaw in Comparative Analysis

34:34 - Liquidity, HELOCs, and Second Leans

45:51 - Step-by-Step Math: Mortgage Acceleration Logic

47:23 - How to Pay Less in Interest?

48:02 - How to Pay Off $100k in 3 Years

48:45 - Correct Analysis

57:17 - Mortgage Calculator

01:02:17 - Goal of the Lawsuit

01:10:12 - Final Thoughts

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*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.