FAQ's

As Professional Real Estate Investors we will use it to fund new Real Estate purchases. On certain occasions, the money's purpose is extended towards renovations and fix-ups.

In financed real estate transactions, trust deeds transfer the legal title of a property to a third party—such as a bank, escrow company, or title company—to hold until the borrower repays their debt to the lender.

Depending on the deal at hand, what works for you, and what works for me, interest rates can be different from case to case. However, the interest you return will be much higher than any CD or traditional investment.

Most private loans are set up on a 1, 2, or 5-year term. However, it depends on what the Private Lender wants and needs, as well as what the deal is. So, depending on our plan for the property, we might be able to offer you a shorter-term, or we may ask if you're willing to commit to a longer-term plan.

Our policy is to pay off (or replace) any Private Lender who requests an early payoff whenever possible. Sometimes a partial early payoff meets the lender's needs, allowing the rest of the money to continue to earn the high rates. We do ask for advanced notice, preferably 90 days, so we can do whatever is possible to meet your request. We then could attempt to meet such requests by refinancing the property, or most likely, have another private lender take over your position.

Your interest is fixed and locked in for as long as the note is out. However, we may sell or refinance the property before the full term is up. You'll always earn your note interest until it's paid in full. But we do have the right to pay off the note early.

We completely understand that you might be liquidating investments or foregoing another investment program to get a high rate of return. So, we agree in writing that you'll receive a minimum of 6 months of interest. So, if we need to pay you off sooner than expected, we would either move your mortgage to another property by substituting the collateral or pay you off in full including a minimum of 6 months of interest earned.

Most of our private lenders prefer letting the interest accrue and getting a big check when the property cashes out. A few Private Lenders prefer payments. These lenders are usually retired and have cash flow needs.

Our "First Position Private Lenders" would usually need a minimum of $100,000 available to invest in for most deals. However, there are some deals that come along every now and then where a lower amount could be accepted. Our "Second Position Private Lenders" would usually need a minimum of $50,000.

No. There Is no government-backed guarantee on these real estate notes. However, your protection and security is the amount of equity in the property that secures the note. We will not allow our private lenders to loan more than 75% of the value of the property securing the note. That way, the Private Lenders always have at least a 25% "Equity Cushion" in the property.

Yes! The IRS does establish guidelines that must be followed in order for a Retirement Account (IRA) or 401k to invest in real estate notes tax deferred or tax free. You'll need the services of a company approved by the IRS to act as your custodian to invest your retirement funds.

It's our policy not to borrow more than 75% of the value of a property using Private Lender money. That leaves a 25% cushion of equity. You'll receive full details on the value, status, and condition of the property whenever we present you with an opportunity to lend.

Absolutely! We never buy a property without title insurance. However, if we're refinancing a property there would be no need for a new title policy.

No. We pay for all of the closing costs so that your entire investment goes to work for you. We will pay for the closing real estate attorney, document prep fees, notary fees, overnight mail fees, bank wire fees, and recording costs. There are no charges nor fees whatsoever incurred by you.

A valid hazard insurance policy is always in place to protect against casualties. You'll be named as a mortgagee. Insurance distributions would be used to rebuild or repair the property, or used to pay you off.

No. Your funds will fund one real estate note secured by a Deed of Trust on a property with sufficient equity as protection.

Your closing package should include: The Original Promissory Note, Copy of the Deed of Trust or Mortgage, Copy of Property Insurance Binder naming you as the mortgagee, and a Title Insurance policy insuring you against any title problems.

In this unlikely event, we would simply transfer ownership of the property to you. You would be owning the property at 75% or less of its value, therefore making it easy for a quick sale at a profit. Plus, you have all the legal rights of a secured lender.

Banks and other lenders require applications, approvals, and must follow guidelines imposed by the banking industry. Plus, there are limits to the number of loans they can make to any one company or investor. On top of that, the time it takes for their approval process is never certain. We can move much faster without these limitations by using Private Lenders. That allows us to negotiate more profitable deals while offering homeowners a quick and easy sale without new loan or deal-breaking contingencies.

We make our money by providing valuable services to sellers, buyers, renters, and Private Lenders. By cutting out the middlemen, we can avoid the costs normally paid out for real estate commissions, mortgage broker fees, loan fees, and property management fees. We also know how to sell homes at a full appraisal value and avoid making price concessions. We can get a home occupied fast to avoid holding costs and how to fix up and maintain properties for less money than most people pay. We calculate our offers on properties so that buyers and sellers get a great deal. At the same time, a minimum profit of $30,000 to $50,000 is earned between the time of purchase and sale. We won't just buy a property unless it makes sense for everyone involved. The deal has "to work" for all parties.

Once we know how much you want to invest at a high rate of return, when those funds will be available, and how long of a term you're willing to go, we'll begin looking for a deal that's for you. When we select one that meets your goals and investment objectives, you will receive all the details on the property.