Real Estate Wealth Summit

How Strongbrook Creates, Manages, Protects & Grows

Wealth

Mortgage

Lending

How to Qualify for Limitless Real Estate

Mortgage Lending Is Not What It

Used To Be

FINANCING

Lending guidelines have changed from what they were in 2007.

Lending Introduction

Stated Income

Heartbeat Loans

Negative Amortization

No Documentation

Sub Prime

Lending Is Not What It Used To Be

Lending Is Not What It Used To Be

Lending is extremely hard. Not everyone qualifies – even highly qualified borrowers.

• If you’re committed to your financial future, you won’t

be deterred.•Anything worth having is

worth working for.

Lending Is Not What It Used To Be

Interest Rates And FeesConsumers Ask:

How do your interest rates and your fees

compare to your competitors?

The same or maybe even a little higher.

:

1/2 Empty

Investors Ask:How likely are you to get my investment

loan closed over your competitors?

We have unequaled experience in financing investment properties.

:

Interest Rates And Fees

1/2 Full

Interest rates and closing costs have an inverse relationship.

Interest Rates And Fees

If you accept a higher interest rate, you can usually lower your closing costs!

• Buying down your rate is typically not worth it.

• On average, investors refinance or sell in 3-5

years.

Interest Rates And Fees

There will always be things you cannot control during

the loan process. Be prepared for that.

Closing On Loans

Timeline of events:•Submit file with all required documentation•Execute Real Estate Purchase Contract•Applications and Disclosures are emailed•Appraisal ordered•Loan submitted•Appraisal received•Lender issues a conditional approval•Submit underwriting conditions (2-5 times)•Lender officially approves loan•Lender issues clear to close•Docs are ordered and sent to title•Closing takes place •Funding and recording•You receive the keys

Closing On Loans

What Sets Us Apart?

Over 75% of the loans our lenders facilitate are

investment loans.

Relationships With Lenders Who:•Have 20% down investment programs•Will lend on properties #’s 5 through 10•Will calculate projected rents for DTI•Provide rapid acquisition exceptions•Provide landlord history exceptions•Access to portfolio lines•Appropriate state licensure•Allow for flips with less than 90 days on title•Allow for acquisition with partnership assets•Able to do all of this in a timely manner

$100K

$100K

=Cash Purchase

Sell for $150K

50%Return On Investment

$33K on 3 HomesSell Each for $150K

150%

Buying Cash

Buying Leveraged

=x 3Return On Investment

3 Times The R.O.I.

Why Leverage?

Create Wealth

Manage Wealth

Protect Wealth

Create and grow assets through facilitated investment-grade real estate investment.

Strongbrook’s experts help clients know when to buy and sell homes, transition markets, and effectively shelter money.

Insulate assets and limit liability through comprehensive Estate Plans, LLC’s and insurance strategies.

Strongbrook’s Blueprint forGrowing Wealth

Wealth - Purpose - Service