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Private Mortgage Lending How You Can Securely Earn
Double-Digit Interest Rate
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What is a Private Mortgage Loan?
How Does Private Mortgage Loan Work?
Benefits of a Private Mortgage Loan?
How Do I Get Paid Back? 44
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• Mortgage loan funded by– Private Individuals– Retirement Funds
• Produces predictable income stream to Private Lender
• Mortgage Lien provides security, protection and recourse
What is a Private Mortgage Loan?11
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Self Directed
IRA
401K Plan
Profit Sharing
Plan
Keogh Plan
You Can Invest with your IRA!
• Income is Tax Deferred or Tax Free• Use 3rd Party Custodian (Equity Trust)
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We Buy Ugly Houses
We Borrow Money From You
You Earn Double Digit Interest
Text 3
SimplePlan
How Does Private Mortgage Loan Work? 22
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SavingsAccount How Does Bank
Make Money?
CertificateOf
Deposit
MoneyMarketFund
You Deposit Your Money in Bank
You Get Low Interest Rate
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HomeLoans How Does Bank
Make Money?
PersonalLoans
AutoLoans
Loans Your Money to Others
Bank Gets Higher
Interest Rate
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RehabCosts You Are a
Private Bank!
Buy UglyHouse
PurchasePrice
You Make Loan to Us
You Earn Double Digit Interest Rate
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How it Works
We RehabHouse
We RehabHouse
We BuyHouse
We BuyHouse
YouProvide
Financing
YouProvide
Financing
DocumentsSecureLoan
DocumentsSecureLoan
We SellHouse
We SellHouse
You GetPrincipal+ Interest
You GetPrincipal+ Interest
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Market Value of House
Loan
(70% LTV)
Loan Origination
Fee
Interest Earned
(10%)
Total Income Earned
$142,857 $100,000 $500 $4,166 $4,666
• Proposed loan: secured by 1st mortgage on a single-family home
• Interest Rate: 10% calculated on the outstanding loan balance
• Loan Origination Fee: Service charge by Lender for making the loan.
• Investor takes 150 days to fix-up and resell the house.
Sample – How Private Mortgage Program Can Work For You
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• 1st loan paid off after 5 months and you make a 2nd loan to us.
• You earn another $4,666 in interest & loan origination fee on 5 month loan.
• 2nd loan paid off and you make a 3rd loan to us.
• You earn another $2,167 in interest & loan origination fee for the remaining 2 months.
Sample – How Private Mortgage Program Can Work For You
Total income earned for the year is $11,499.
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Potential Earnings with Certificate of Deposit
Certificate of
Deposit
Annual Interest
Rate
Total Interest Earned
$100,000 3% $3,000
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Earning Comparison – Private Lending vs. Certificate of Deposit
Private Mortgage Lending
Certificate of
Deposit
Difference in Earning Potential
$11,499 $3,000 $8,499
Private Lending is superior alternative for getting a better return on your investment.
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Higher Interest Rates
Title Insurance
Steady Income Stream
Benefits of a Private Mortgage Loan?33
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Collateral Provides Safety Net
Short Term Loan Less Risk
Principal Is Secure
Benefits of a Private Mortgage Loan?33
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Monthly or Quarterly Interest Paid as Required. Otherwise Total Interest Income Paid at Closing.
Entire Principal due on Loan Paid at End of Mortgage Term or When House is Sold
How Do I Get Paid Back? 44
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Interest Payment Schedule
Monthly Payments
Lump Sum at
Closing
Quarterly Payments
Predictable Income Stream to
Private Lender
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Does a Private Loan Sound Right For You?