Private Private Mortgage Mortgage

InvestmentsInvestments

High Yield High Yield Investments Secured Investments Secured

by Real Estateby Real Estate

Private Private Mortgage Mortgage

InvestmentsInvestmentsHoward k LongHoward k Long

Ronan Funding LLC Ronan Funding LLC

DisclaimerDisclaimerPlease carefully consider Ronan Please carefully consider Ronan

Funding, LLC's investment Funding, LLC's investment objectives, risks, and associated objectives, risks, and associated

costs or expenses before investing. costs or expenses before investing. Real estate investments are not Real estate investments are not guaranteed or insured and past guaranteed or insured and past

performance is not a guarantee of performance is not a guarantee of future performance. Please ask future performance. Please ask

questions and ask for more questions and ask for more information before you consider any information before you consider any

investment.investment.

““More millionaires have More millionaires have created their wealth created their wealth

through real estate than through real estate than any other endeavor”any other endeavor”

Andrew CarnegieAndrew Carnegie

SummarySummary To fund our deals we generally borrow To fund our deals we generally borrow

money from banks at 70% to 80% of value money from banks at 70% to 80% of value and borrow the balance from private and borrow the balance from private individuals individuals

Or we borrow 100% of the purchase price Or we borrow 100% of the purchase price from private individualsfrom private individuals

We pay private investors 12% for 1We pay private investors 12% for 1stst mortgage money or 14% for 2mortgage money or 14% for 2ndnd mortgage mortgage moneymoney

We typically use your money for 1 year but We typically use your money for 1 year but we can offer shorter terms in some caseswe can offer shorter terms in some cases

Private Mortgage Private Mortgage ProgramProgram

We use our marketing program to We use our marketing program to get potential sellers to call usget potential sellers to call us

We negotiate to buy a property that We negotiate to buy a property that is typically 20% to 35% below marketis typically 20% to 35% below market

At closing, we borrow from private At closing, we borrow from private investor(s) to purchase the propertyinvestor(s) to purchase the property

Private investors get a mortgage and Private investors get a mortgage and insurance as securityinsurance as security

We make payments to you on the We make payments to you on the scheduled datesscheduled dates

Private Mortgage Private Mortgage ProgramProgram

Guidelines - 1Guidelines - 1stst Mortgage Mortgage ProgramProgram11stst Mortgage Program Mortgage Program

1.1. $50,000 minimum$50,000 minimum2.2. Up to 75% LTV Up to 75% LTV 3.3. 12% Interest12% Interest4.4. Numerous payment options Numerous payment options

(monthly, quarterly, ect.)(monthly, quarterly, ect.)5.5. One Point (1%) upfront fee to you One Point (1%) upfront fee to you

the investorthe investor

Private Mortgage Private Mortgage ProgramProgram

Guidelines - 2Guidelines - 2ndnd Mortgage Mortgage ProgramProgram 22ndnd Mortgage Program Mortgage Program

1.1. $25,000 minimum$25,000 minimum2.2. 14% Interest14% Interest3.3. Numerous payment options Numerous payment options

(monthly, quarterly, ect.)(monthly, quarterly, ect.)4.4. Up to 95% LTVUp to 95% LTV5.5. Two Point (2%) upfront fee to you Two Point (2%) upfront fee to you

the investorthe investor

Payments OptionsPayments Options You get 12% simple interest on your invested You get 12% simple interest on your invested

capital (14% if you choose the 2capital (14% if you choose the 2ndnd Mortgage Mortgage Program)Program)

We can pay you any of the following ways:We can pay you any of the following ways: Monthly (12.0% APR)Monthly (12.0% APR) Quarterly (12.1% APR)Quarterly (12.1% APR) Semi-annually (12.2% APR)Semi-annually (12.2% APR) Annual (12.4% APR)Annual (12.4% APR) No Payment Accrual Program (13.3% APR)No Payment Accrual Program (13.3% APR)

How Do We Protect YouHow Do We Protect You The Investor? The Investor?

We collect rent from our Tenants though We collect rent from our Tenants though careful negotiations or court actions, if careful negotiations or court actions, if neededneeded

We require a 3% to 5% non-refundable We require a 3% to 5% non-refundable deposit from our Tenant which dramatically deposit from our Tenant which dramatically reduces non-payment issuesreduces non-payment issues

For monthly rentals we require at least two For monthly rentals we require at least two months security to protect both you and usmonths security to protect both you and us

We will never default on a loan - We will We will never default on a loan - We will pay you out of our pocket, if neededpay you out of our pocket, if needed

How We SecureHow We Secure Your Private Mortgage Your Private Mortgage

Promissory Note signed at time of Promissory Note signed at time of investment by Ronan Funding LLC investment by Ronan Funding LLC

A first or second mortgage recorded A first or second mortgage recorded with the local county office with the local county office

Certificate of insurance naming you as Certificate of insurance naming you as additional insuredadditional insured

How We Protect Your How We Protect Your PrincipalPrincipal

11stst Mortgage Program – we never borrow Mortgage Program – we never borrow more then75% Loan-to-Valuemore then75% Loan-to-Value

We typically buy 20% to 35% below We typically buy 20% to 35% below marketmarket

We create additional cushion by building We create additional cushion by building in equity by rehabbing the property in equity by rehabbing the property

We find quality Tenants who give us We find quality Tenants who give us large up front depositslarge up front deposits

We aggressively manage our properties We aggressively manage our properties to make sure tenants pay on time and to make sure tenants pay on time and maximize the property valuemaximize the property value

Compare Private Compare Private Lending Versus Hard Lending Versus Hard

Money LendersMoney LendersPrivate LenderPrivate Lender Hard MoneyHard Money12% to 14%12% to 14% 15% or Higher15% or HigherOne Point FeeOne Point Fee 5 to 10 Points5 to 10 PointsNo Credit CheckNo Credit Check Credit Score 600+ Credit Score 600+ 1 Year Term1 Year Term 6 to 12 Months6 to 12 MonthsNo Back End FeesNo Back End Fees 2 to 5 Point Backend2 to 5 Point BackendTotal Cost < 13%Total Cost < 13% Total Cost >25%Total Cost >25%

This is Why We Use Private Lenders Versus

Hard Money Lenders

Presentation Presentation

Outline Outline Private Mortgage ProgramPrivate Mortgage Program

11stst Mortgage Program Mortgage Program 22ndnd Mortgage Program Mortgage Program

Company OverviewCompany Overview BackgroundBackground Staff, Organization Chart and Staff, Organization Chart and

Web SiteWeb Site QuestionsQuestions

Ronan Funding , LLCRonan Funding , LLC We are a Roth self directed IRA .We are a Roth self directed IRA .

We hold properties both short and We hold properties both short and long termlong term

28 years of experience28 years of experience

Our Core StrengthsOur Core Strengths We are very focused in a small geographic We are very focused in a small geographic

area and area and know the values in our marketknow the values in our market much better than the sellers, realtors much better than the sellers, realtors and, in most cases, our competitionand, in most cases, our competition

This extensive knowledge and our private This extensive knowledge and our private funding gives us the leverage to pay cash funding gives us the leverage to pay cash and drive bargains and profits for us and and drive bargains and profits for us and our investorsour investors

This advantage is what allows us to pay This advantage is what allows us to pay you the private investors 12% to 14% you the private investors 12% to 14% versus bank CD’s at 4% to 5%versus bank CD’s at 4% to 5%

Contact InformationContact Information

5230 N Broad Street. 5230 N Broad Street. Philadelphia,Pa 19141Philadelphia,Pa 19141

Web Site: www.ronanfunding.comWeb Site: www.ronanfunding.com

E-Mail: E-Mail: hklong@ronanfunding.comhklong@ronanfunding.com

Cell Phone: 267-979-9522Cell Phone: 267-979-9522

How Do We Proceed!How Do We Proceed! If you would like to earn 12% or 14% If you would like to earn 12% or 14%

starting today please see me and we can starting today please see me and we can arrange a private one-on-one meetingarrange a private one-on-one meeting

Or sign up today Or sign up today If you have any additional questions If you have any additional questions

please feel free to ask.please feel free to ask. Howard K LongHoward K Long Managing MemberManaging Member 267-979-9522267-979-9522