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Most people go through life letting others make decisions for them and they are not in control of how
their money is invested or what it earns. That means they’ll never really know if what their investing in
will give them enough of a return to take care of their future, their family, the kid’s college, or their
retirement. Because of that, they’re playing guesswork games with their money and hoping they’ll get in
or out at the right time and it’s virtually impossible to always make the “right decisions.” By becoming a
private lender who invests passively in real estate, you can get 10%-13% fixed returns, secured by real
estate. Since your returns are fixed, that means they never change. They’ll also be much higher than
CD’s, money markets, commodities, and most stocks and mutual funds.
What is private lending?
Once I started making money buying, selling and holding single family houses, I realized I had a lot of
friends and family members that were tired of the ups and downs of the stock market. I discovered a
method of working with them as a silent investor on my real estate investments by putting their
investment capital to use by lending it to me at much higher returns secured by the houses I was
buying. I needed small amounts of capital to buy houses and do small renovations so I could sell the
properties and make a profit. You see I needed to act quickly to get good deals that came along every
week and I didn’t want to deal with banks because they would limit the amount of deals I could do.
Since my friends had investments that were getting low, inconsistent, risky and unsecured returns, it
gave them an opportunity to make more money without losing sleep at night watching the stock charts.
Investing with me, they had a completely “hands off” way of earning 10%-13% fixed returns, secured by
real estate. Since their returns were fixed and never changed, it allowed them to plan and make better
decisions with their future.
Can I use my I.R.A. or 401k to lend from?
Absolutely; in fact, that’s what most of my investors do. You must be in control over where your
investments go from your I.R.A. or 401k, and you can take any old I.R.A. or 401k that you have and roll it
over in to a self-directed I.R.A. There’s no penalty for doing this because you’re not taking a distribution,
you’re simply changing the Administrator to one that allows you to self-direct where the funds go. Doing
it this way, you can make all of your gains tax deferred without counting on someone else to get you 10%
-13% fixed returns day in and day out. The company I use and most people use is Equity Trust
Company. You can get a FREE Information Packet via their website at www.trustetc.com to learn how
simple it is to do. You simply fill out a form and send them your last statement; they’ll do the rest and
bring your funds to your new account. The entire process only takes approximately two weeks.
Why would an investor be willing to pay such high returns?
The availability of the short term capital was more important than the cost. I needed to move quickly to
purchase from sellers who are willing to happily and eagerly give me equity in homes for FREE in
exchange for peace of mind or debt relief and I didn’t have time to go through banks because the
process just takes too long. Also, since I am buying properties with large amounts of equity in them, it
allows me to share a portion of my profits with you through repaying the original loan amount plus a
generous interest on top of it. By the way, if you use a credit card, pull it out and look at the interest rate
you pay. Every time you use it, you’re putting the availability of the funds ahead of the short term cost
just like I do when I buy and sell houses.
Are high interest loans like this new to real estate?
Absolutely not! This is a multi-billion dollar industry that has been around for decades. There are
companies out there like the Money Store, Household Finance, Beneficial, Ford Credit and numerous
others. Their niche is to lend money to homeowners who typically use the money for home
improvements or even loan consolidations. The loans are secured by a Second Mortgage on the
property. Our niche is to borrow the money the same way, except we’ll use it only for the funding
necessary to buy, renovate and carry the property until we sell it; also secured by a mortgage against
one property.
How is the private lender protected when they lend money?
First off, your money will never be pooled; you’ll have one mortgage secured against one property that’s
also got at least two times the amount of equity in the property than what you would lend on it. That
means there will always be a large hedge factor between what you loan and the available profit or
equity in the house. I am a serious investor having been professionally trained on Buying and Selling
Houses, Marketing, and Business Management. In addition to that, there are also four key items that
secure your investment each time you lend:
Who handles all of the paperwork?
Our Real Estate Attorney and Title Company will handle all of the paperwork. You’ll send your funds
directly to their office and make the check payable to them. The Closing Agent won’t disperse any funds
until all of the documents that secure your investment are in place and signed. They’ll create the
promissory note that states the terms of your loan, the mortgage instrument that gives you collateral,
and the title insurance policy. We’ll also send you a copy of the Hazard Insurance Policy. It is customary
that we, as the Borrower, will pay for all of the closing costs to secure your investment. It is usually just
deducted from what you lend us. By the way, the only person that needs to sign anything is us, the
Borrower, so you do not even have to go to closing unless you want to.
Do I have to collect payments on these loans?
No, you don’t. When you tell us that you’re ready to make more money, we’ll ask you the following: Are
you looking for the highest growth return possible, or are you looking to get cash flow from this
investment? If you are looking for the highest return possible, then you can agree to just let the interest
accrue every month. That means there will be no interest payment until the house is sold. Then you will
receive the original loan amount back plus all of the interest. If you are looking for cash flow, I can set it
up where an escrow company collects and tracks the payment for you. By the way, if you use the self-
directed IRA through Equity Trust, they can collect payments for you for a small monthly fee that we will
cover.
Do these loans pay down or are they interest only?
Typically the loans are interest only. That means none of the monthly interest goes towards your
principal loan amount and you earn interest on top of interest every month. If you want to, you can do an
amortizing loan where some of each month’s payment goes towards the principal balance and the rest
goes towards interest. You’ll make more money if you do interest only.
How long are the typical loans and how much do I need to invest?
The length of the loan and the amount you invest are what you say. You get to create the rules since you
are the Lender. Typical loans range from 6-60 months and all of them are due upon the sale of the
house where a new buyer gets a new loan. You can invest as little as $10,000. Most loans range from
$10,000 to $100,000 depending on the property. By the way, if you ever lend and then need to pull your
capital back out, there are no fees for early withdrawal. Just tell us that you need to get out and give us
45-60 days to make it happen. We’ll either cash you out ourselves, or we will replace your private loan
with another one. When you get your money and interest back, you’ll have to sign a Satisfaction and/or
Quit Claim Deed to clear your lien against the title.
Is private lending really a safe investment?
There really is no entirely “safe” investment. Every investment has risk. Please read our Disclosure
Statement below for more information on the risks of investing in Real Estate Notes. In our opinion, it’s
much safer than the stock market because you have no ups and downs to worry about. You might make
money in the stock market one month or one year, and then get wiped out the next. When it’s all said
and done most people get returns that barely keep up with inflation. By investing in real estate, you won’
t be gambling on Companies that you have no control over or know little about who is running them.
Your investment loans are safely secured by real estate, you’ll get fixed returns of 9%-11% that never
change, there are no fees or commissions, no early withdrawal penalties, and there will be large
spreads or hedge factors of equity versus your investment. You’ll just need to use common sense and
take a look at what the property is worth, what’s owed and what you’re lending. Remember, you don’t
have to put all of your investment funds into real estate; but it’s a great place to get consistent,
predictable and reliable returns.
How do I get started?
Just contact us and tell us when you’re ready to get started making more money. We’ll take you to lunch
or dinner so we can discuss the amount you have available to lend, the interest rate, and the length of
the loan. Our job will then be to go out and find a property that matches your needs. When we do, you’ll
arrange for the funds to be sent to the attorney or title company. A closing will be set up at the attorney or
Title Company’s office and you can sit back and watch your investment grow. You’ll get fixed returns that
never change, that are safely secured by real estate.
their money is invested or what it earns. That means they’ll never really know if what their investing in
will give them enough of a return to take care of their future, their family, the kid’s college, or their
retirement. Because of that, they’re playing guesswork games with their money and hoping they’ll get in
or out at the right time and it’s virtually impossible to always make the “right decisions.” By becoming a
private lender who invests passively in real estate, you can get 10%-13% fixed returns, secured by real
estate. Since your returns are fixed, that means they never change. They’ll also be much higher than
CD’s, money markets, commodities, and most stocks and mutual funds.
What is private lending?
Once I started making money buying, selling and holding single family houses, I realized I had a lot of
friends and family members that were tired of the ups and downs of the stock market. I discovered a
method of working with them as a silent investor on my real estate investments by putting their
investment capital to use by lending it to me at much higher returns secured by the houses I was
buying. I needed small amounts of capital to buy houses and do small renovations so I could sell the
properties and make a profit. You see I needed to act quickly to get good deals that came along every
week and I didn’t want to deal with banks because they would limit the amount of deals I could do.
Since my friends had investments that were getting low, inconsistent, risky and unsecured returns, it
gave them an opportunity to make more money without losing sleep at night watching the stock charts.
Investing with me, they had a completely “hands off” way of earning 10%-13% fixed returns, secured by
real estate. Since their returns were fixed and never changed, it allowed them to plan and make better
decisions with their future.
Can I use my I.R.A. or 401k to lend from?
Absolutely; in fact, that’s what most of my investors do. You must be in control over where your
investments go from your I.R.A. or 401k, and you can take any old I.R.A. or 401k that you have and roll it
over in to a self-directed I.R.A. There’s no penalty for doing this because you’re not taking a distribution,
you’re simply changing the Administrator to one that allows you to self-direct where the funds go. Doing
it this way, you can make all of your gains tax deferred without counting on someone else to get you 10%
-13% fixed returns day in and day out. The company I use and most people use is Equity Trust
Company. You can get a FREE Information Packet via their website at www.trustetc.com to learn how
simple it is to do. You simply fill out a form and send them your last statement; they’ll do the rest and
bring your funds to your new account. The entire process only takes approximately two weeks.
Why would an investor be willing to pay such high returns?
The availability of the short term capital was more important than the cost. I needed to move quickly to
purchase from sellers who are willing to happily and eagerly give me equity in homes for FREE in
exchange for peace of mind or debt relief and I didn’t have time to go through banks because the
process just takes too long. Also, since I am buying properties with large amounts of equity in them, it
allows me to share a portion of my profits with you through repaying the original loan amount plus a
generous interest on top of it. By the way, if you use a credit card, pull it out and look at the interest rate
you pay. Every time you use it, you’re putting the availability of the funds ahead of the short term cost
just like I do when I buy and sell houses.
Are high interest loans like this new to real estate?
Absolutely not! This is a multi-billion dollar industry that has been around for decades. There are
companies out there like the Money Store, Household Finance, Beneficial, Ford Credit and numerous
others. Their niche is to lend money to homeowners who typically use the money for home
improvements or even loan consolidations. The loans are secured by a Second Mortgage on the
property. Our niche is to borrow the money the same way, except we’ll use it only for the funding
necessary to buy, renovate and carry the property until we sell it; also secured by a mortgage against
one property.
How is the private lender protected when they lend money?
First off, your money will never be pooled; you’ll have one mortgage secured against one property that’s
also got at least two times the amount of equity in the property than what you would lend on it. That
means there will always be a large hedge factor between what you loan and the available profit or
equity in the house. I am a serious investor having been professionally trained on Buying and Selling
Houses, Marketing, and Business Management. In addition to that, there are also four key items that
secure your investment each time you lend:
- A promissory note which states the exact fixed return that you will receive. Whatever the note
says is what you’ll receive. - A mortgage (security deed, deed to secure debt, or trust deed) will be created by the real estate
attorney, Title Company, or escrow agent to put the property as collateral for your loan. That
means you will have a lien on the property and I cannot sell it without paying you off. - A Lender’s title insurance policy will protect you against any title issues or claims that may arise.
- A Hazard Insurance Policy will be in place for your protection in case of an unexpected
catastrophe or problem. - Also, since there is such a large hedge factor in the amount of funds that you lend versus the
equity in the property, even if something happened to me, you can always sell the property and
make your investment back.
Who handles all of the paperwork?
Our Real Estate Attorney and Title Company will handle all of the paperwork. You’ll send your funds
directly to their office and make the check payable to them. The Closing Agent won’t disperse any funds
until all of the documents that secure your investment are in place and signed. They’ll create the
promissory note that states the terms of your loan, the mortgage instrument that gives you collateral,
and the title insurance policy. We’ll also send you a copy of the Hazard Insurance Policy. It is customary
that we, as the Borrower, will pay for all of the closing costs to secure your investment. It is usually just
deducted from what you lend us. By the way, the only person that needs to sign anything is us, the
Borrower, so you do not even have to go to closing unless you want to.
Do I have to collect payments on these loans?
No, you don’t. When you tell us that you’re ready to make more money, we’ll ask you the following: Are
you looking for the highest growth return possible, or are you looking to get cash flow from this
investment? If you are looking for the highest return possible, then you can agree to just let the interest
accrue every month. That means there will be no interest payment until the house is sold. Then you will
receive the original loan amount back plus all of the interest. If you are looking for cash flow, I can set it
up where an escrow company collects and tracks the payment for you. By the way, if you use the self-
directed IRA through Equity Trust, they can collect payments for you for a small monthly fee that we will
cover.
Do these loans pay down or are they interest only?
Typically the loans are interest only. That means none of the monthly interest goes towards your
principal loan amount and you earn interest on top of interest every month. If you want to, you can do an
amortizing loan where some of each month’s payment goes towards the principal balance and the rest
goes towards interest. You’ll make more money if you do interest only.
How long are the typical loans and how much do I need to invest?
The length of the loan and the amount you invest are what you say. You get to create the rules since you
are the Lender. Typical loans range from 6-60 months and all of them are due upon the sale of the
house where a new buyer gets a new loan. You can invest as little as $10,000. Most loans range from
$10,000 to $100,000 depending on the property. By the way, if you ever lend and then need to pull your
capital back out, there are no fees for early withdrawal. Just tell us that you need to get out and give us
45-60 days to make it happen. We’ll either cash you out ourselves, or we will replace your private loan
with another one. When you get your money and interest back, you’ll have to sign a Satisfaction and/or
Quit Claim Deed to clear your lien against the title.
Is private lending really a safe investment?
There really is no entirely “safe” investment. Every investment has risk. Please read our Disclosure
Statement below for more information on the risks of investing in Real Estate Notes. In our opinion, it’s
much safer than the stock market because you have no ups and downs to worry about. You might make
money in the stock market one month or one year, and then get wiped out the next. When it’s all said
and done most people get returns that barely keep up with inflation. By investing in real estate, you won’
t be gambling on Companies that you have no control over or know little about who is running them.
Your investment loans are safely secured by real estate, you’ll get fixed returns of 9%-11% that never
change, there are no fees or commissions, no early withdrawal penalties, and there will be large
spreads or hedge factors of equity versus your investment. You’ll just need to use common sense and
take a look at what the property is worth, what’s owed and what you’re lending. Remember, you don’t
have to put all of your investment funds into real estate; but it’s a great place to get consistent,
predictable and reliable returns.
How do I get started?
Just contact us and tell us when you’re ready to get started making more money. We’ll take you to lunch
or dinner so we can discuss the amount you have available to lend, the interest rate, and the length of
the loan. Our job will then be to go out and find a property that matches your needs. When we do, you’ll
arrange for the funds to be sent to the attorney or title company. A closing will be set up at the attorney or
Title Company’s office and you can sit back and watch your investment grow. You’ll get fixed returns that
never change, that are safely secured by real estate.
| SOLD!! |
| SOLD!!! |
| SOLD! |
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