Private Lending

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, underperforming stocks, etc. and very high returns that are traditionally reserved only for the wealthy.

We’re a group of 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.

How does the Private Lender program work?

Essentially, we allow you to take control of your investments, IRA’s, and retirement accounts to safely build wealth rather than settling for meager 3-6% 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 first 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 our standard, LTV ratios are under 70% of the value of the property securing the loan and frequently as low as 60% to 65%. 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 loan at the most $70,000 dollars on the property.  That’s a 70% 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, as a private lender, will never lend more than 75% 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 never be made without a 25% safety net. We don’t violate this rule, because your security is at stake.

Private Lending Overview

* 12%, 13% or 14% Simple Interest
* 75% Max Loan-to-Value Ratio (Keeps your investments safe)
* Quarterly Payment Plan (Other programs available)
* Five year term (Flexible)
* Six month minimum guarantee (In case of short-term deals)
* Recorded Promissory Note and Mortgage
* Hazard Insurance
* Title Insurance
* Copy of the Appraisal or CMA
* No Early Withdrawal Fees
* Minimum Loan Amount $10,000 (Second positions)
* IRA & Roth Investments

What happens to the houses we aquire?

* Long term rental property
* Sold on our Lease/Option Program
* Renovated and sold in a retail market
* Sold “as-is” in the wholesale market

Click the button below to learn about our Private Lending Process: