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Private Lending

• Secured• Hassle-Free• Superior Yields

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Too Good To Be True?

• No! To borrow money from “hard money” lenders, we have to pay

• 12.5% interest• 3.5 points up front (=3.5%• $1,100 processing fee.

Paying you 10% is win-win because we save close to 7% borrowing directly from you.

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Welcome• Our company is Ultimate Venture LLC, a corporation, founded in January 2010.• We acquire, rehab and sell homes by buying for cash.• The corporate partners are David Stuard and Sheila Kirkland.

• On all REO’s Banks only accept cash, no financing, only cash. This is why we ask you to join us

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Introductions

• David Stuard, manager• Sheila Kirkland, partner, financial

manager• Eric Townsend, Esq., Attorney• Anne Clark, Director of Operations• Lorraine Wright, Chief Property

Analyst• James McKinney, Accountant

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Why “Ultimate” Venture?

We feel that real estate provides:

The ultimate long-term appreciation.

The ultimate long-term security.

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Thanks for coming.

• Are you tired of Low Bank Rates?

• You can do much better than Bank CD’s.

• Learn today how you can make10-12% on your money.*

* The return is limited to 10% if a secured debt obligation is used. When investing as a partner the 10% to 12% range shall apply.

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Bank CD Rates (approx.)

$100,000 12 months IRA

B of A .60 % .60 %

Chase .50 % .50 %

Union Bank

.60 % .40 %

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How Does Your Bank

Make Money?

• They take in Money for CDs (Yours).

• Then they lend the money out at a higher rate of interest to other people to buy houses.

(We’re eliminating the bank, offering private lending.)

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Private Money Lending

• What is Private Money Lending?• Learn what’s in it for you.

How can you benefit?• Please hold your questions - for

now:1. I’ll probably answer them anyway.2. We will break for questions shortly.3. Some folks have time constraints.

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Private Lending Program Overview

To buy houses, we prefer to borrow money, or work in partnership with, private individuals such as you.

• We pay you 10-12% to use your money.

• We save 5-7% by not having to borrow from hard money lenders.

• This is a win-win situation.

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Private Lending ProgramHow it Works

• We locate a property we want to buy.• We contact you and invite you to invest

in this property.• Your funds will be wired directly to a trust

account by you and only you.• Upon entering escrow, your funds will be

transferred directly to an escrow account.• At close of escrow, you will receive the

first trust deed to the property. • When the property is sold you get paid

first.

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Documents Securing Your Investment

• First Trust Deed on the Property or Membership interest in an LLC.

• Title Insurance.• Hazard Insurance (fire, theft,

other losses).• Written Appraisal before the

renovation.• Written appraisal when the

renovation is completed.

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Private Lender or Member:2 Interest Payment Options

1.Quarterly payments.2.Monthly payments, if you

prefer a monthly income. This option applies only to long-term (minimum 1-year) investments. Example: Interest 12% per year = 1% per

month.

On $100,000, this is $1,000 monthly income.

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Private Lending Example$100,000 Loan

• $100,000 x 12% annual interest = $12,000/year.

• A bank pays you only $500 a year at ½ of one percent.

• That’s a difference of $11,500 a year.

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How Can We Buy Houses So Far Below Market

Value?

• Our specialty is “distressed” houses that usually require major renovation.We see value in houses that others don’t see.

• We buy directly from banks who desperately need to sell these greatly discounted properties.

• We buy homes at foreclosure auctions.

• We pay cash for each property

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• Money borrowed from you is no more than 75% of the home value after renovation.

This gives you additional security, because we don’t over-leverage the property.

Your BIGGEST Concern:Protection of Principal

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There is always Plenty of Equity Above Your

Investment.

This provides a 25% cushion for the investor.

25% cushion

$300,000 ARV

$225,000 Maximum Loan (75% of ARV)

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Your Investment Options

• Short Term (3-4 months):10%10% annual interest.

• Longer Term (1 year or longer):12% annual interest.

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Our Guarantee to You

• We will pay you the interest rate as specified in your contract.

• If the home does not sell in the time specified, we will pay you back your investment plus interest.

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How We Make Sure the House Sells

If a home does not sell within 60 days of close of escrow, we do the following:

• Offer a substantial incentive bonus to the agent to sell the house.

• Reduce the selling price. A reduction of up to 25% would still

recover the investment – because we buy only houses that give us a cushion (discount) when we buy them.

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What Happens to My Investment if David Dies?

• The property will be sold and you will receive your principal and interest as agreed.

• Your loan is still secured by the property.

• This will be spelled out in your contract.

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Any Questions?

• Do you have any questions about the material we covered so far?

• Let’s take 10 minutes to answer any questions you have.

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Use IRA Money

• You can invest your IRA funds in real estate and protect your profit from taxes.

• Now your profit is tax protected.• It’s simple and easy.• A financial institution that offers

this program is located in Irvine, CA.

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You’re in Control

• Visit an IRA custodian who handles real restate investments of these funds. Entrust Group, Irvine, (949) 788-

2970.

• You can roll over funds to Escrow to buy real estate.

• You Earn 10-12%.• When the house sells (closes

escrow), your funds are transferred directly back to your IRA custodian.

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Do you have a Whole Life Insurance Policy?

• Borrow Your Cash Value, which is now earning low CD rates of return.

• Invest the funds with Ultimate Venture LLC to buy real estate with us.

• Earn 10-12% on your investment.

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Our Competitive Advantage

• Buying with cash.• Buying REO’s directly from banks. • Buying Foreclosures at trustee sales.• Buying in working class neighborhoods

where the residents have jobs.• Using quality materials, such as granite,

resulting in “like-new” homes. • Putting “For Sale By Owner” signs up as

soon as the front yard is cleaned up.• We pay neighbors an incentive bonus

for referring potential buyers.

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Who Sells Us Houses?

1. Banks2. Auctions – at court house steps.3. Private Individuals4. REO* Listing Agents5. Realtors

*REO = Real estate owned by a bank.

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Why San Diego?

• Best for entry-level homes because of the increasing Latino population.

• One of the “ten best places to live” in California.

• Perfect weather year-round.

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Company Growth Plans

• Purchase 3-4 homes a month.• Expand into multi-family units

and small apartment buildings.• Offer Lease Options or

Rent to Own, and rental homes.• Lease properties for long-term

cash flow.

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How to Find Us

Location:2400 Via Mariposa West, Suite 1CLaguna Woods, CA 92637Phone (949) 340-0290Fax (949) 340-2516Email: davidstuard@gmail.comWebsite: UltimateVentureLLC.comWe live right here in the Village.

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Houses Purchased

Colored photo pages of 3 of our 30 projects, including financial information (purchase, rehab, and sale prices) are in your investor packet.

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Next Step

1. Fill out the “I’m Interested” form and leave it with us.

2. You will be placed on our preferred list and we will call you as soon as an investment opportunity arises.

3. Thank you. We look forward to investing with you.

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I am Interested!

YES! I would like to participate.

Name _______________________Address ______________________City _________________________Phone _______________________Email ________________________