We are group of real estate investors dedicated to providing you with innovative programs that give you more control over your investments, making them grow beyond current rates while being secured with real estate.

Click here to fill out our Private Lender Application

How does the Private Money Lending program work? Take control of your investments, IRA’s and pensions to build wealth.

So, what is a Private Loan? It is a loan made to a real estate investor that is secured by real estate. Private Money Loan Investors are typically given a first or second mortgage that secures their legal interest in the property thus securing their investment. We are not talking about high Loan-To-Value (LTV) ratios the banks and savings and loan institutions make on homes. We typically employ low LTV ratios to our Private Lenders to increase security of the loan. Our standard LTV ratios are usually under 75% of the value of the property securing the loan and frequently as low as 60%. This means additional security on the investment.

For example, if a property is valued at $100,000, our Private Lender would usually not loan more than $75,000 dollars on the property. That’s a 75% loan-to-value ratio. This is obviously a much safer approach from that taken by conventional lenders. These banks get into trouble because they make loans at a 90%, 95%, or even 100% loan-to-value ratio leaving them no equity for transfer costs, if they are ever forced into a position where they have to take back the collateral property.

It is in the private money lender’s best interest to minimize risk and maximize return and this is why private loans should not be made without a 25%+ safety net.

Click here to fill out our Private Lender Application

*Results are not typical. Investors should be aware of the risks inherent of any investment, including the loss of said investment.

You Have a Choice:

The government encourages us to save for retirement, especially by investing or saving in, among other things, Individual Retirement Account, or “IRA”.

Wall Street’s Biggest Lie

Wall Street investment firms will always encourage you to invest through an IRA.

And they’re right – IRAs can be one of the best vehicles for investment, especially given their tax-favored nature.

Unfortunately, few of these firms will tell you about the “Self-Directed IRA”.

What they should the IRA they tout is “The IRA where we dictate what you can put in it.”

The government will not allow you to put some investments into your IRA – but there are lots of investments that the government will allow…

But the fee-hungry investment firms don’t want you to know about these – Because they don’t get their fat fees from them!

Here’s the truth:

You CAN invest in real estate through an IRA? but probably not through the one you already have!

You must have a “self-directed” IRA in order to invest in real estate using your IRA. With this IRA, you can defer your tax payments, or even pay no taxes at all in your investments.

You can invest in the following types of real estate through a “self-directed” IRA:

•  Single-family homes
• Apartments
• Mobile Homes
• Commercial Property
• Raw land
• Real estate notes
• Mortgages
• Tax liens

As always, remember, we’re not your attorney or tax advisor. We suggest that you check with them about any investments you may be thinking about making.

Fill out the form below to find out more about our real estate investment opportunities.

• Underwriting and approving a loan takes time.
• The details are sketchy and do not answer all the questions you should be asking.
• The collateral is risky.
• The property valuations are not dependable.
• The borrowers are not flexible.
• The interest rates are too low! You deserve more!

Why Should You Follow the Conventional Lending Process When You Want To Maximize Profits?

Are You Sick of Worrying About the Volatility of the Stock Market?

 Are You Fed up with the Low Interest Rates on Your IRA, Savings or CDs?

Are You Looking for a Safe, Secure Investment Where You’re in Control?

If you answer “Yes!”, you’re at the right place!

Here you can say goodbye to the risky stock market once and for all, and say hello to safe, real estate secured investments.With the recent recession, corporate accounting scandals, and the subsequent stock market plunge, many savvy investors now place their hard earned investment money in real estate. Now you too can place money in safe, secure real estate without the normal headaches that go with investment properties. You don’t even need to have extra time or a lot of knowledge to get started now.

Contact us now and let us help you put your funds to work through one of our low risk, high return programs.

We’re trained professionals who’ve created a business of Buying, Repairing, Renovating, Managing and Selling Homes in various locations, condition and price ranges.We specialize in helping relieve Sellers of unwanted, unneeded homes they can no longer afford by creating solutions to help them get their home sold fast.We help our Community by improving the homes we purchase and building better neighborhoods by helping those who need good, safe housing.

Contact us  and let us help you put your funds to work through one of our low risk, high return programs.

The super rich don’t just settle for measly returns on the money market – should you? If you have been looking for a secure, solid investment that provides huge returns passively, then you just stumbled upon the most profitable investment opportunity of the year.  You must be seeking that “picture perfect” investment that

•  Is secure
• Gives a solid return on investment passively
• Has a low risk

Click Here To Become A Private Money Lender

What common investment choices do you have?

Most investment advisors recommend spreading your investment to maximize returns and lower any risks.  You can invest in stocks and mutual funds that offer a high return, but they have high risk.You can try investments like bonds and CD’s which have lower returns but much lower risk. In today’s market, you could end up losing money by investing on CDs after inflation!

Or you could gamble in the stock market – but you never know which direction the stock prices will be heading next – it seems every other day there is always another reason for prices to plunge even further – accounting scandals, oil price fears, or even plain old greed.

What a choice of some decent investment!

But there is a better way to invest

- Real Estate Secured Investment.  If you are looking for a hands-off investment, with rates of return higher than those normally found in fixed rate investments, and want less volatility than stock investments, our Investment Partner Program is for you!

We offer several investment programs secured by real estate, all of which have higher returns than many other fixed rate investments, and less risk than stocks. These investments are an excellent way to further diversify your portfolio to increase your overall return and further reduce risk.

If things go well, you get your money back, plus a very attractive interest rate.

If for some unlikely reason the things don’t go well and the borrower cannot pay as promised, your investment is more than covered by the value of that property.

Secured loans are no longer just for banks

Banks don’t usually take risks, do they?

That’s because when they invest in real estate, their investment is secure – they charge a healthy interest rate, with the house as collateral. If you don’t pay, they take the house!

Not a bad deal, but this gets better!

Unlike the banks, we do not invest on a piece of property unless there is a healthy chunk of equity in it. We rarely go beyond 50% of the value of the property to acquire it.

You will get a better interest rate than the banks can charge, and a substantial collateral securing your loan.

Why doesn’t Wall Street talk about this opportunity?

Simple:

They don’t get their fat commissions from these types of investments – so they don’t want people to know they exist. They would rather draw your focus on investments that will make them money, not the ones that make YOU the most money.

How do we work?

In many cases, owners of distressed properties need to sell fast. For example, they may be going through foreclosure, divorce, bankruptcy, inherited property they cannot manage, and so on. As a result, they may not be willing or able to hire a real estate agent to sell their house but need to dispose the property quickly.

We offer a variety of solutions to these sellers which may include an all cash offer that allows us to fix up the property and sell it at a profit. As an investor in such a venture, you will earn a sizeable return on your investment in the short term.

We may also provide cash to reinstate or cure defaults on loans and liens or allow a seller to move out. In exchange, the seller will retain the existing financing on the property, and share a certain amount of equity in the property.

We will then locate a buyer, such as on a “lease to own” program, who will bring an up-front cash contribution, and begin to make monthly payments. This buyer is responsible for payments, upkeep and maintenance of the property while receiving the tax and other ownership benefits. At the end of the agreement term, buyer will refinance the property at market value.

You as a cash investor will then receive a portion of the equity as a return for your investment.

Why do we ask you to invest your money?

To be honest, we find more good real estate opportunities than even we can invest in.

That’s why we use a large network of individual investors, banks, mortgage companies and hard money lenders to participate along with us.The more investors we can attract, the more money we can all make!

Steps in Locating And Securing Investment

1. We locate distressed property
2. We conduct a thorough analysis, including a lien and title search, property inspections, and verification of all financial information
3. We process qualifying property to determine potential return for us and our our investors
4. We present our proposal to our investors along with a Return Worksheet
5. Once investor agrees to fund the transaction, all legal documentation is prepared
6. Investor wires funds directly to closing title company / attorney
7. Liens on the property are cleared, loans reinstated, and the transaction is closed
8. We service the transaction. Investor collects monthly cash flow if transaction longer-term investment.9
9. At the end of the agreement period (few weeks in short-term investments such as “buy, fix and sell” to few years in longer-term investments), a lump-sum payment of returns is made to the investor, as per the Return Worksheet

No!  You can lend as little as or as much as you want. The amount of the loan and time period will factor into your return on investment.

Sometimes, you may want to start out small with short-term loans until you get comfortable with these investments.

In most cases, more opportunities and more favorable terms will be available to those with larger amounts to loan.

Q: Can I Send You A Check Today?

No!  You only send money to close the deal when we have a deal that fits your budget.

In any case, most of the times, you will wire the money directly to the title company or real estate attorney.

Q: Who Handles All The Paperwork?

Unless you are a highly skilled investor in real estate matters, we will handle all paperwork and details of each transaction and pay any expenses.

This is done by a real estate attorney or title company.

You begin to earn interest on the full amount of your funds as soon as they are received. Our goal is to ensure this entire process is hassle-free for you.

Click here to fill out our Private Lender Application

Q: Isn’t This Too Risky?

Knives are risky, aren’t they? But only when you do not use them properly.

We do not make speculative investments; instead, we focus on making standard, bank-like loans on properties with equity.

The property is the security for the loan.

Make no mistake – investing has risks, but the trick is in how you choose your investments and their safety net (collateral).

This is our expertise.

For example, your investment will most likely adhere to these rules:

• It will not surpass the 80% Loan To Value
• You will get a mortgagee title insurance policy
• You will get an insurance policy on the property
• The loan will be closed by professionals

Typically you will get:

• An original promissory note specifying the terms agreed upon
• A copy of the mortgage. The original will be recorded and then mailed to you
• A fire insurance endorsement naming you as mortgagee
• A title insurance policy for the amount of your loan insuring you against any title defects

 Q: How Do You Determine My Interest?

The interest rate depends on many factors, including but not limited to, the risk involved, the amount of funds loaned, the time period, ability to fund quickly, etc.

Q: How Do I Receive Payments?

You will receive your payments as we agree – monthly, or as a lump-sum (your loan amount plus interest).

Q: How Long Will I Be Investing My Money?

The term of the investment will depend on the deal.

It can be as short as six months, or several years.

It’s your money and it’s your choice. Short-term loans are typically interest only with full principal repayment at the time the loan is paid off.

Long-term loans may have amortizing payments (part principal and interest in each payment) and may have balloon payments, depending on your requirements and the investment.

Q: What If I Need My Money Now?

You should only invest an amount of money that you can comfortably leave in the investment for the term of the loan.

For example, your loan may be used to buy and fix a property, then sell it. Until it’s sold, your money will not be available, except interest payments.

Unlike in the money market, you cannot withdraw your investment at a moment’s notice.

Of course, you get a much higher return than you can get in the money market.

On the other hand, Promissory Notes secured by mortgages are purchased every day like stocks. We can assist you to sell the note if necessary.

Q: How Many Properties Do I Invest In?

Each investment will be treated separately as it comes.

Your limit is your choice. If you decide you like this form of investing, there’s nothing to stop you from making multiple investments.

Q: How Do I Setup My Retirement Accounts to Make Loans?

In order to use a retirement account for making loans, it must be administered by a “Third Party Administrator” (TPA) that allows real estate investments through a self-directed IRA.

Very few retirement account administrators, including those who do have self-directed plans, will allow you to make real estate investments.

If you would like to get setup, please contact our office and we will provide you the names and numbers of TPA’s that specialize in this field.

Once your account is established, all you do is sign papers to direct your TPA to make the investment for you.

Typically, there should not be any additional costs to you beyond your regular plan administration costs. Some TPA’s will even collect the monthly payments for you and deposit them into your account. How’s that for hassle-free?

Q: How Do I Get Started?

Click here to fill out our Private Lender Application

How Much Is The Risk?

First off, we have to clear one thing – <strong>no investment is risk free</strong>. You will not even find them in a U.S. government investment.

Treasury bonds and other government investments are one of the safest investments, but still come with a degree of risk.

They provide a rate of return that does not even keep up with inflation.

Of course, there are no “no-risk” guarantees in real estate either. Your goal should be a solid return for a low risk.

<strong>What happens investor does not stay current on interest payments?</strong>

You have a collateral (property) that is well more than the value of your loan. In worst case scenario where the property has to be foreclosed, it will pay off your loan and pay you a substantial amount of equity in addition.
<p style=”text-align: center;”><a title=”Become a Private Money Lender” href=”http://earnhighreturns.net/?page_id=259″>Click here to fill out our Private Lender Application</a></p>
<strong>How do I know I can trust you?</strong>

You don’t; nobody does in any investment.

The good thing is everything is completely transparent in this program. You will have full facts about
<ul>
<li> The market value of the property</li>
<li>Estimated repairs, if any</li>
<li>Proposed use of loan proceeds</li>
<li>Interest payments to you</li>
<li>How the profit / equity will be divided</li>
</ul>
In other words, you get so well educated on the deal that you are unlikely to have just “a leap of faith”.

Compare this to investing in a mutual fund; you only have a vague idea where your money will be invested.

<strong>Is this investment for me?</strong>

Consider the following points carefully.

<strong>There are no “Instant Riches”</strong>

While we are always working for a generous return with a low risk, we do not promise instant riches

<strong>Risk is not an option</strong>

Your investment is covered with a collateral that is higher than your investment.

Should you be forced to take the property to cover your investment, you now may potentially receive much more than your investment back.

But as with any investment, that is not to say it has zero risk.

The bad news is you may have to wait through a market cycle before you receive it back.

If risk is not an option for you, then any type of investment may not be for you, including real estate.

<strong>You are in a cash crunch</strong>

If you need your money pretty soon to put your kid in college next fall, don’t invest it. You may not get it back in time.

The longer you can have your money invested and working for you, typically the higher returns you can generate.

<strong>You are a first timer</strong>

It’s typical to be more nervous if you have never invested before. You must weigh the risk and possible returns before investing.

If you are nervous, and prefer daily updates like stocks in the daily news, private investing is not for you.

<strong>You already invest</strong>

If you already investment in other types of investments, then private lending in real estate is definitely worth looking into.

As you create more diversity rather that having all your eggs in one basket, you will find you get a better return on your investment in real estate, with more peace of mind.
<p style=”text-align: center;”><a title=”Become a Private Money Lender” href=”http://earnhighreturns.net/?page_id=259″>Click here to fill out our Private Lender Application</a></p>