Investors Program

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Are you tired of the stock market volatility, low (or negative) returns, and the headaches that go with these types of investments?

Aren’t we all?

Our company has created the Private Lending program to bridge the gap between safe, secure investments, like CD’s, money markets, under performing stocks, etc., and very high returns that are traditionally reserved only for the wealthy.

We are real estate investors who have carved out a niche in our market and are helping private lenders like yourself earn great returns, while giving you more control over your investments in the process.

Essentially, we allow you to take control of your investments, IRA’s, and retirement accounts to safely build wealth, rather than settling for meager 2-4% returns.

So, what is a Private Loan?

A private loan is basically a loan made to a real estate investor that is secured by real estate.

When you make a private loan, you are given a mortgage that secures your legal interest in the property thus securing your investment.  We are not talking about high Loan-To-Value (LTV) ratios the banks and savings and loan institutions make on homes (which is what got them in trouble). All of our private loans that we offer our Private Lenders are low LTV ratios to increase security of the loan.

As an example, a typical deal might be a property that was last sold for $260,000 which we have now purchased for $68,000. As our standard, LTV ratios are usually under 65% of the value of the property securing the loan and frequently as low as 50% to 55%. This means additional security on the investment for you so you are always in a good position.

As an example, if we purchase a property that is valued at $100,000, our Private Lender will typically loan at the most $65,000 dollars on the property.  That’s a 65% loan-to-value ratio.

Our low LTV approach is much more safe from that taken by conventional lenders who routinely lend 80-95% LTV, often leaving no wiggle room should the borrower default on making the payments.   We work with a large LTV cushion to protect you.

You, as a private lender, will typically not lend more than 65% LTV which is a very conservative number aimed at providing a cushion to work under. As a lender, it is in your best interest to minimize risk and maximize return, and this is why a loan should usually not be made without a 35% safety net.

The process of working with us as a private lender is really pretty simple.

Here are the basic steps to a private money loan with our company

Step One: Our company locates and approves an investment property based on our strict investment criteria

Step Two: A private lender sends their loan funds to the escrow company and the note is created.

Step Three: Our company closes on the property and begins with the remodel.

1. Step Four: Once the property is complete, based on our exit strategy, we either rent out the property … or we market the property for sale to an end buyer.   Once the property is sold or refinanced the private lender receives 100% of their loan principal plus the interest as agreed.