> For the complete documentation index, see [llms.txt](https://advisorhub.syntheticfi.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://advisorhub.syntheticfi.com/overview/understand-the-product.md).

# Understand the Product

{% hint style="info" %}

## Borrow for less than a mortgage, deduct the interest, never sell a share

That's the whole product. It runs inside the account you already manage, and SyntheticFi handles the rest.
{% endhint %}

### The big picture

* **Win and keep clients.** A concrete, dollar-savings reason for prospects to switch to you, and a way to keep existing clients from leaving for a competitor's offering.
* **Protect your AUM.** Clients get cash without selling, so their portfolio stays invested inside your fee base.
* **Plan smarter.** A low-cost, tax-deductible lever you can bring into home purchases, refinances, and every annual review.

### How it works

**1. The rate is unusually low.** Priced on an open market where lenders compete to fund it, instead of by a bank adding its markup. Usually well below an SBLOC, margin loan, or mortgage. [See why →](/product-learn-more/how-cheap.md)

**2. The interest is always tax-deductible.** Treated as a capital loss under IRS Section 1256, so it's deductible regardless of how the client uses the money, with no mortgage interest deduction cap (currently $750K) and no investment-use requirement.\* [How the tax works →](/product-learn-more/why-is-it-tax-deductible.md)

**3. It runs inside the account you already manage.** No asset transfer, no new account. SyntheticFi opens the loan in the client's existing brokerage account and handles the trading and monitoring. [How it works →](/product-learn-more/how-it-works.md)

**4. The risks are manageable and handled for you.** Well understood, similar to what your clients already use, and monitored for you. You don't have to become an options expert. [See the risks →](/product-learn-more/whats-the-catch-risks.md)

***

{% hint style="info" %}
**Interested in bringing SyntheticFi to a client?** Learn [how to get started.](/product-learn-more/how-to-get-started.md)
{% endhint %}

#### Keep exploring

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>How cheap?</strong></td><td>Why the rate is lower.</td><td><a href="/pages/i73g4LZQanoLj7XtSO18">/pages/i73g4LZQanoLj7XtSO18</a></td></tr><tr><td><strong>Why is it tax deductible?</strong></td><td>How the tax treatment works.</td><td><a href="/pages/AD9lDCmpddI5WAY92HgG">/pages/AD9lDCmpddI5WAY92HgG</a></td></tr><tr><td><strong>How much can I borrow?</strong></td><td>Borrowing power by account type.</td><td><a href="/pages/ULmoXhthX9AEP6aH6ZSe">/pages/ULmoXhthX9AEP6aH6ZSe</a></td></tr><tr><td><strong>When should I use it?</strong></td><td>The situations where it fits best.</td><td><a href="/pages/lWdZgI2P4YIODQ7uazsl">/pages/lWdZgI2P4YIODQ7uazsl</a></td></tr></tbody></table>

***

[\* Important Disclosures](/disclosures.md)


---

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