Private Mortgage InvestmentsHigh Yield InvestmentsSecured by Real Estate

“More millionaires have created

their wealth through real estate than any other endeavor”

- Andrew Carnegie

Private Mortgage Investments

Dynamic Living Solutions, LLCKyle & Camille Davis

DisclaimerPlease carefully consider Dynamic Living Solutions, LLC

investment objectives, risks, and associated costs or expenses before investing. Real estate investments

are not guaranteed or insured and past performance is not a guarantee of future performance. Please ask questions and ask for more information before you

consider any investment.

Introduction• Thank you for considering Dynamic Living

Solutions, LLC• We are a real estate investing company• We have an exciting and profitable program

for you as an investor• Please feel free to ask questions

Presentation Outline• Private Mortgage Program

– 1st Mortgage Program– 2nd Mortgage Program

• Company Overview– Background– Staff, Organization, Website, Goals

• Questions

Our Program vs

Bank CD’s

• Money invested in bank CD’s will earn about 3.7% ($370 per year for every $10,000)

• Our program will yield between 8.0% and 12% ($800 to $1,200 per year for every $10,000)

• That is over 200% better than bank CD’s

Private Mortgage Program

• Marketing Program• We negotiate to buy a house that is typically

30-35% below market value• At closing, we borrow from private lenders

such as yourself to purchase the property• Private Lenders will hold 1st Lien Position

Private Mortgage Program“Guidelines – 1st Mortgage Program”

REHAB & FLIP• $50,000 minimum• Up to 70% loan to value (LTV)• TERM OPTIONS:

1. 8-12% interest annually (3-6 months)

Private Mortgage Program“Guidelines – 2nd Mortgage Program”

• $5,000 minimum• 12% Interest• Numerous payment options (Monthly, No

Payment Accrual Program)• 3 Years (we allow early withdrawal without

any penalties)

Our Typical Property• Average purchase price is between $50,000 -

$250,000• Repair cost typically are $8,000 - $35,000• Homes have 3-4 bedrooms 2-2.5 baths (we never

buy 2 bdrm houses as they are difficult to resell• Time to renovate, rent or sell, is approx 90 days• House will rent for $900 - $2000 per month– Our profit is the spread between the rent and your

interest payment

Our Tenants• We rent to people who are in transition…meaning

they want to buy but are currently unable and need some time to improve their financial situation

• We also rent to long time renters who will never buy• For Tenants who want to buy, we assist them by

giving them 12-24 months to rent before they buy the house

• We assist Tenants by introducing them to a mortgage broker who assists them in getting a mortgage

Summary• We buy, rehab, sell or rent homes• We pay private investors 8-12% on their

investment• We typically use your money for 3-6 months if

flipping, 1-3 years if buying and renting

How Do We Protect YOUTHE INVESTOR?

• We carefully screen our tenants to ensure timely rent payments

• We require a 3-5% non-refundable deposit from our Tenant. This dramatically reduces non-payment issues

• For monthly rentals we require at least 2 months security to protect both you and us

• Exit Strategies: refinance in our own name or sell the property

How We Protect Your Principle• 1st Mortgage Program – we never borrow more than

70% Loan-to-Value• We typically buy 20-35% below market • We create additional cushion by building in equity by

rehabbing the property ($8,000 to $35,000)• We find quality Tenant/Buyers who give us large up-

front option consideration• We aggressively manage our properties to make

sure tenants pay on time and maximize the property value

How We Secure Your Private Mortgage

• Promissory Note signed at time of investment by Dynamic Living Solutions, LLC

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

Dynamic Living Solutions, LLC

• We are a real estate investment company doing business in Houston, Texas area

• 2 members: Camille & Kyle • We hold properties for short and long term• We buy, fix, and flip homes• We assist homeowners in avoiding foreclosure• We assist homeowners after foreclosure

Background• We started real estate investing in 2010 by

purchasing single family homes• We mainly invest in the Houston, Humble,

Atascocita TEXAS area – Harris County• We acquire, rehab, and lease or sell residential

properties• We have also done subject to deals

Our Core Strengths• We are very focused in a small geographic area and know

the values in our market much better than the sellers, and in most cases, our competition

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

• This advantage is what allows us to pay you, the private investor, 8-12% versus bank CD’s at 2-4%

• We genuinely care about people and seek win-win-win situations

• We are willing to do what it takes to get the job done RIGHT

Sample Deal

Before After

• HUD Foreclosure: 1850 sq ft, 3 bdrm, 2 bath, 2006• Purchased $85,000• Private Lender (2nd mortgage) = $10,000

- minor repairs, closing costs, holding costs- Interest earned = $1,200 (12%) – in 3 months

• Total investment = $95,000• Leased $1,200 per month• Positive Cash Flow = $250 per month for 15 months• Sold Nov 2012 – net profit of $17,500

Sample Deal• 3,000 sq ft, 4 bdrm, 2.5 bath, 2003• Appraisal Nov 2011 - $225,000• Purchased - $158,000• Repairs - $8,000• Equity - $59,000• Moved into this property

SAMPLE DEALAfter Repair Value (ARV) - $130,000 %ARVPurchase Price - $64,050 (49%)Rehab Costs - $20,000 (15%)Total Loan Amount = $84,500 (64%)

Interest Rate offered to Lender: 12% annually

PROJECTED FINANCIAL RESULTS FOR LENDER Monthly interest to Lender: $ 845Total interest income (3 months): $2535Total interest income (6 months): $5070

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Timeline AssumptionsTotal time to complete rehab: 1 monthTotal time to complete sale: 2 monthsTotal time: 3 months

PROJECT DESCRIPTION: Single Family Residence. Built in 1982, 4 bdrm, 2.5 bath, 2575 sq ft. Required work includes new carpet/tile, paint, lawn, minor siding and window repairs, updated kitchen cabinets, updated bathrooms, other cosmetics. Already has fantastic granite counter tops and under mount sink in Kitchen. Property is close to elementary school.

OTHER NOTES: Amount of short-term loan required equals 64% of projected "after-repair value" of the property. Recent comps indicate an after repair value of conservative $130K. 2012 County appraisal is $148K. Private lender will have 1st Lien Position on the property.

What Others Are Saying “We LOVE the finished product! Thanks for doing such a fabulous job in such a short amount of time!!

We'll have you do it again when the opportunity comes up! - Josh & Kimberly Oldham

“Camille and Kyle, they are best to work with. I really loved to work with them. They are truly fantastic people to work with.”

- Ejaz Hussain, CTO, Emhi Solutions

“I had the great pleasure in working with Kyle and Cami while I was on assignment in Texas. Their company, Dynamic Living Solutions, LLC is established to assist people who are facing potential default and/or foreclosure of their homes and for people with liens that are threatening to continually ruin folk's credit. Kyle and Cami are compassionate and dedicated to present alternatives that are atypical, yet perfectly legal, solutions to improve people's financial pits of despair. I have been a mentor and trainer for over three decades and I have yet found any one else better than Kyle and Cami in assisting people in curing their financial cancer.”

- Joe Corno, Manager, Customer Service, ILLUMRA

How Do We Proceed• If you would like to earn 8-12% on your money

starting today, please contact us immediately to arrange a one-on-one meeting (contact info on next slide)

• Or sign up today• If you have any additional questions, please

feel free to ask• Thank you!

Contact InformationDynamic Living Solutions, LLC

• Website: www.dynamiclivingsolutions.com• E-mail: camillemdavis@yahoo.com• Cell phone: 713-203-3856• Camille Davis