Private Lendingfor

Higher Profits

Southeast residential partners

NoticePlease carefully consider the investment objectives, risks,

costs and associated expenses before investing. Real estate

investments are not guaranteed or insured. Past

performance is not a guarantee of future performance.

Please ask questions and ask for more information before

you consider any investment.

Private Lending for Higher ProfitsHow much are you currently earning on

your investments? CDs, Stocks, Mutual Funds, Savings, IRAs,

401K accountsAre you consistently earning 10%? Do you want to have more control and

safely increase your return on investment?

Recent Market History…Stock Market Interest ratesCorporate fraud Accounting fraudSecurities fraudWorld events

Real Estate…Slow, steady appreciationTangible assetEveryone needs shelterTax benefitsThe American Dream

Who We Are…We are a local Real Estate Investment

Company We are affiliated with a group of

investors that buys and sells several houses each month

We work with Private Lenders to finance many of the houses we buy

We buy pre-foreclosure and distressed houses, usually in nice neighborhoods

We buy houses from sellers who need to sell quickly or who need debt relief

We renovate and then lease or sell the property

What We Do…

We borrow funds from private individuals for acquisition, repair, holding and selling costs

In exchange, our lenders safely earn a higher than average return on an investment secured by real estate

What is Private Lending?

Credit is tightBanks move slowly

Our sellers need to move quicklyThis is a very competitive market

Access to cash allows us to buy quickly and at a discount

Banks will not lend money in certain situations e.g. No carpet or no furnace = No Loan

Why Not Use Banks?

Let’s walk through an example

At a formal closing, you receive four

documents to secure your investment

We purchase and renovate the house

You earn 10% simple interest

We sell or refinance the house

We pay off your loan including

Interest earned SOLD

You have money to lend

(self-directed IRA, old 401K,

CD/Savings)

We locate a house to buy

and provide you with details to

evaluate

Rate 12 Month Earnings

2.0% $ 300

10.0% $1,500

You make as much in ONE year at 10% as you do in FIVE years at 2%

Example:$15,000 Loan

Reinvest the principle and interest each year and you earn over $9600 more over 6 years

Example:Power of Compounding

$15,000 Loaned at 2% $15,000 Loaned at 10%Year Principle Rate Interest Total

1 15000.00 2% 300.00 15300.00

2 15300.00 2% 306.00 15606.00

3 15606.00 2% 312.12 15918.12

4 15918.12 2% 318.36 16236.48

5 16236.48 2% 324.73 16561.21

6 16561.21 2% 331.22 16892.44

Principle Rate Interest Total

15000.00 10% 1500.00 16500.00

16500.00 10% 1650.00 18150.00

18150.00 10% 1815.00 19965.00

19965.00 10% 1996.50 21961.50

21961.50 10% 2196.15 24157.65

24157.65 10% 2415.77 26573.42

$9680.98

Example: $15,000 Loan

Growth on $15,000 Loan

0.005000.00

10000.0015000.0020000.0025000.0030000.00

1 2 3 4 5 6

Years

Do

llars 2%

10%

Four Documents Security Deed or Mortgage Promissory Note Lender’sTitle Insurance Hazard Insurance

How is your loan secured?

We will not over-leverage propertyMaximum 80% Loan to Value (LTV)

Helps protect your investment Based on after-repaired-value (ARV) and

comparable sales

Additional security…

Comparable

Sales

Repair

s

We can help you earn TAX FREE retirement income using self-directed IRA Accounts that permit you to make high yield loans secured by real estate

Rollover your old 401K or IRA to a custodian that allows investment in Real Estate

Custodians - examples Equity Trust Entrust Group Pensco Trust Company

Do you have an old 401K or IRA?

Minimal account cost Fees comparable to other custodians

Takes about 10 days for transfer Paperwork is online or we can handle transfer

Direct transfer, so no tax impact You can invest IRA, Roth IRA, Simple IRA and

Simplified Employee Pension (SEP) Assets

Do you have an old 401K or IRA? (continued…)

Term is negotiable Should fit your investment strategy

Most IRA holders invest for longer term 24-36 months

We will match an investment to your needs If you need money back quickly?

Give us a few weeks to replace your investment with another lender

There is no early withdrawal penalty

What if you need to get your money back quickly?

Private lender money at work…

                                 

Before

After

Owner Finance usingExisting Financing

Private lender money at work…

                                 

Before

After

Rehab with Private Financing

Private Financing Breakdown

After Repair Value $190,000 Purchase Price $120,000 (Subject To) Amount to Seller $ 2,000 Amount Borrowed $ 23,650

Includes Acquisition/Reinstatement costs Repair Costs Holding Costs Marketing Costs

Terms: 10% Payable upon sale of property

Private Financing Breakdown

Sell in 6 months for net of $160,659Repayment of loan

$23,641 + 1,182 = $ 24,823Net Profit $ 39,477

Private Financing Breakdown

How do I get started?

You can start earning 10% today Set up a self-directed IRA if you do not

have one already – ask us about some local companies

Sign up to receive our private lending opportunities (on the right)

Let us know how much you would like to lend and we will match you with an appropriate property

Thank you!

The Southeast Residential Partners Team