Special Report
How to Earn Secure 8-10% Returns on Idle Cash or Retirement Funds
Are You Expecting Social Security To Provide Your Retirement?
If the answer is no, and we’re sure it is, please pay very special attention because the following information could make you thousands of dollars in the coming years simply by increasing the yield on the same money you’re investing now.
We are professional and qualified Real Estate Investors and we’d like to spend the next few minutes telling to you about a way you can control your investments and safely make them grow at three to five times your current rate. Yes, I know it sounds too good to be true, but it isn’t. What we’re going to share with you is very common in real estate circles and has been going on right under your nose in every city in America.
Smart people have been utilizing this investment for years. In fact ……….
There Have Been Entire Companies Built Around This Investment and Those Who Do It Properly Have Grown to Huge Proportions.
This is a very safe investment that produces high yields while at the same time provides security and liquidity.
Do you know what $25,000 is worth in five years compounded at a 5% yield? It’s worth $31,907. But now let’s take that same $25,000 and invest it for the same five years at 10% simple interest instead of 5% compounded. Now it’s grown to an amazing $37,500!
That’s a $5,593 Difference Simply by Upping the Yield from 5% to 10% ……
That’s An Extra $1,118.60/year
Take Control of Your IRA, Pension Plan, Savings or CD’s
Earn 10% Instead of the Average 1-5% Interest
Take a look at the following chart……
|
Amount
|
5% Compounded |
10% Simple |
Net Increase |
|
$10,000 |
$13,342 |
$15,000 |
$1,658 |
|
$25,000 |
$31,907 |
$37,500 |
$5,5933 |
|
$50,000 |
$63,814 |
$75,000 |
$11,186 |
|
$100,000 |
$127,628 |
$150,000 |
$22,372 |
These numbers are huge when you consider that in the above example the interest earned on the 10% investment could be invested to begin earning 10% too!!!!
You earn even more when you let your interest earn interest.
Take a look at this chart……
|
Amount
|
5% Compounded |
10% Compounded |
Net Increase |
|
$10,000 |
$13,342 |
$15,973 |
$2,631 |
|
$25,000 |
$31,907 |
$40,262 |
$8,356 |
|
$50,000 |
$63,814 |
$80,525 |
$16,711 |
|
$100,000 |
$127,628 |
$161,051 |
$33,423 |
If you expand it to a ten year term, your $25,000 would be worth $38,783 at 5% but if you change the yield to 10% and continue to invest the interest, it grows to an incredible $58,948. That’s $20,165 free dollars you will actually receive. Can you really afford not to control your own investments? Does it make sense for a bank to run your investments for you? They would like for you to believe it does.
Well, there is an alternative for you to consider. That alternative is……
You can loan money, secured by a first or second mortgage that will not only give you the safety you want but will also give you the high yield we’ve discussed.
Let me see if we can answer some of the questions you may have about making private loans.
Who Borrows At High Rates?
We do because we have learned that…
But the Availability.
We make it possible to acquire good deals in houses because the funds were available from private lenders that would not be available from banks. If a Real Estate Investor can get good at locating good deals on houses, many times the bank wants to loan on the purchase price not the value of the house, thus penalizing him for being an astute Real Estate Investor. Having the money available will make or break the deal and paying a higher interest rate is irrelevant compare to…..
If the Money Weren’t Available.
What Kind of Loans Are Private Mortgage Loans?
Let’s clarify what kind of loan a private mortgage loan is. It is a loan that you make to a Real Estate Investor and in turn your loan is secured by the actual property that the Real Estate Investor purchases. That gives you security. We deal with very low loan-to-value (LTV) loans. By that, I mean no higher than 85% of the value of the property securing the loan.
Who handles all of the details?
We will. It’s our job to get you proper documentation and protect your interest. All of this costs you nothing. The borrower pays all costs. If you make a $25,000 loan, you send a check for $25,000 to the closing agent and you get a mortgage for $25,000.
How do I get paid?
We will set up your account. How you get paid depends on the program terms you’ve chosen. You’re in charge. You tell us.
If you would like to receive your payments monthly and earn an 8% annual return on your money, we will send you your payments monthly. The first monthly payment will start 90 days after the loan begins and include the interest from the first 3 months.
If you would like to receive your payments quarterly and earn a 9% annual return on your money, we will send you your payments quarterly.
If you would like to receive your payments annually and earn a 10% annual return on your money, we will send you your payments at the end of your annual term.
*When you chose the annual option, we will call you approximately 2 months prior to the due date of your note to see if you would like us to re-invest your interest at 10% or would like us to send you a check for your interest.
Is this a long-term investment?
It can be any term you want. You’re the boss. Usually a private investor wants a five-year term, but some don’t care if it stretches to ten or fifteen years. You can pick a term that suits your strategy for retirement. It’s your money and it’s your choice.
What if I want to liquidate?
If you want out, it will take from two weeks to a month. You really shouldn’t make mortgage loans if you feel you will liquidate shortly, but the option is always available. And unlike a bank CD, there is no penalty for early withdrawal. Just call and we will handle all of the details.
Is my investment really as safe as it sounds?
Yes! We follow these common sense guidelines that we’ve talked about.
Your money will grow two, three, or even four times faster than your current investments and you maintain control.
Remember that making loans is a business and should be treated like a business. If you set up a simple system and let the professionals implement the system, your loan portfolio can be hassle free and produce staggering yields. Also remember, all costs are to be paid by the borrower…. not you!
How do I use my IRA’s or pension plan?
Making real estate loans is a widely accepted use for IRA’s and Pension Plans. Think of it, now you cannot only loan out money that has been unavailable for you to use, but you can make it grow rapidly…. Tax Deferred or even Tax Free!
Since Uncle Sam isn’t taking a bite out of your profits until you draw out the money, (or in the case of a Roth IRA, not at all) more money is left in the account to compound and grow. The results are staggering…
In order for you to use retirement accounts for loans they must first be administered by a “Third Party Administrator” or TPA. This TPA is set up and approved to administer your loan activities. This means you will probably have to transfer your plan to one of these TPA’s, unless of course, your present administrator is set up to do that.
When your TPA is located, simply send the transfer form to them and they’ll do all of the work for you. Once you’ve done that…..
When we’ve selected a property, you simply notify your TPA where to send the check for the gross amount of the loan and you’re business. There should be no cost to you except your plan administering costs. Some TPA’s will even collect monthly payments for you and deposit them into your account. We have selected Equity Trust Company in Elyria, Ohio (www.trustetc.com) as our preferred TPA.
If you have any questions regarding your plan or its administration, contact your Plan Administrator. If you need help transferring your IRA just give us a call. We’ve located the best in the country and have all their forms in stock, so you can get going immediately.
What are your options if we don’t pay?
Actually, there are several options but first and foremost, please be aware that our name & business reputation has meaning for us and we do what we promise.
To answer this question:
1) Call us and we will send your money back
2) We could ask to restructure the note. For example, let’s say we are behind on payments to you. Now we can and would like to keep the house, but we can’t come up with enough money to bring you current in one lump sum. You could let us continue to make regular payments and make an extra payment on our arrearage in addition, or you could simply add the arrearage to the principal balance and extend the term of the loan. This means you would be collecting interest on interest for the entire remainder of the loan. There is almost always ways to work it out if both sides are willing.
3) Have us deed you the house. This is an opportunity for you to get a house at a greatly discounted price. When this happens, you can create a tremendous profit center by reselling the house.
4) If left with no other choice, you should simply foreclose. Foreclosure isn’t the evil, time consuming, costly legal process that most people think it is. It’s as simple as sending your note to an attorney and saying ‘do it’. All you have to do then is sit back and wait. Nine times out of ten, before foreclosure is complete, someone will be calling your attorney’s office with a payoff letter, and your loan will get paid off. When this happens, you will collect all accrued interest, your principal balance, and all attorneys’ fees, court costs, and all other expenses you have incurred in connection with your loan.
If you wind up with the house doesn’t mean you have to keep it. It can be sold immediately at a fair sale price and still produce a profit over and above your already high yield on your loan.
Now, we’re doing a lot of talk about default here and maybe more information than was necessary, but we just wanted to make sure you had all the facts and your questions are answered. In our years of business, we have never been late on a payment to a private lender.
What kind of documents should I receive?
Your closing package should contain the following:
1) A Promissory Note
2) A deed of Trust (The original will be recorded and then sent to you)
3) We also add your name to the fire insurance endorsement
These documents provide you security.
Well, we’ve covered a lot in a short time. We hope we’ve enlightened you on the awesome power of making private mortgage loans. If it appeals to you, you can get started right now. While most people are complaining about the low rates they are getting on their CD’s and other low paying investments, you could be receiving a return of 10% all of the time…..
So what’s it going to be? Are you going to continue to let other people control your money so you only get a return that barely keeps up with inflation? Or are you going to take control and make sure that when you get ready to retire, you can do what you want without worrying about money and if you are retired, squeeze every interest dollar out that you can.
Private lending is an incredible way to build wealth in a hurry that most people aren’t aware exists.
To learn more or be added to our private investor list, please call 314-265-5783 or submit this form. We are happy to answer your questions.