Earn Returns of 8-12% In A Safer Alternative Than The Stock Market.
If you’re not earning the return you want on your investments, you owe it to yourself to check out this opportunity.
Private mortgage lending offers much higher rate of return, from 8% – 12% and backed by a tangible asset–real estate. No more hoping for a certain stock to go up in value, or worse, that it doesn’t go down any further. With Private Lending you know the details up front, what you’re investing in, term and interest rate, and you can make a more informed decision over how your money is being invested.
We are group of real estate investors dedicated to improving neighborhoods and making money. By helping us buy more houses we’ll share the wealth with you and give you a great interest rate. You get a great investment, and more control, while being secured by real estate.
If you’d like to earn high returns and don’t trust the stock market and other traditional investments to deliver right now, consider the world of private mortgage lending as a safer investment tool.
How does the Private Money Lending program work? Take control of your investments, IRA’s and pensions to build wealth.
So, what is a Private Loan? It is a loan made to a real estate investor and secured by real estate. The investor finds good deals, the opportunity to buy properties at 75% or less of Market Value. The property may or may not need some repairs. The Private Money Lender provides the money to make the purchase and/or repair the property, and they are typically given a first or second mortgage that secures their investment. The loan is for less than the value of the house, so if anything goes wrong, the market falls, the investor fails, gets sick and dies, etc. the lender gets a property worth more than his original investment. There is a cushion to cover unanticipated costs. The lower the Loan-To-Value (LTV) ratio the more the lender is protected. For example: the loan may be for $100,000 but the house is worth $150,000. Banks and savings and loan institutions make high LTV loans on homes and are not well protected. 90% or more was common. Our standard LTV ratios are usually under 75% of the value of the property securing the loan and frequently as low as 60%. This means additional security on the investment.
For example, if a property is valued at $100,000, our Private Lender would usually not loan more than $75,000 dollars on the property. That’s a 75% loan-to-value ratio. This is obviously a much safer approach from that taken by conventional lenders. These banks get into trouble because they make loans at a 90%, 95%, or even 100% loan-to-value ratio leaving them no equity for transfer costs, if they are ever forced into a position where they have to take back the collateral property.
It is in the private money lender’s best interest to minimize risk and maximize return and this is why private loans should not be made without a 25%+ safety net.
*Results are not typical. Investors should be aware of the risks inherent of any investment, including the loss of said investment.