» Welcome! » We are glad you could be here at this time » We have a exciting and new program for you to understand » Please feel free to ask questions and participate in the presentation » If you have further questions we can schedule a one- on-one meeting at a later date.

» Why Invest in Real Estate? » Private Money Program  1 st Mortgage Program  2 nd Mortgage Program  3 rd Mortgage Program » Company Overview  Background  Web Site » Questions

» Why Invest in Real Estate? » Private Money Program  1 st Mortgage Program  2 nd Mortgage Program  3 rd Mortgage Program » Company Overview  Background  Web Site » Questions

Why Real Estate Today? » Because it’s out of favor and sellers are very motivated to sell » Prices are down about 30% across the country – more in some locations » Rents, however, are only down slightly and even up in some markets » These events create cash flow and an historical buying opportunity!

Andrew Carnegie

Real Estate Sales have Stopped Going Down and have finally stabilized…

Why Real Estate Today? » Prices down 30% but stabilizing and starting to go up » Rents are stable » Population trends are growing and more people need housing every day, month and year » Motivated sellers everywhere including banks This Means An Historical Buying Opportunity!

“We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful ” ~ Warren Buffett “The world is changing very fast. Big will not beat small anymore. It will be the fast beating the slow” ~ Rupert MurdochRupert Murdoch

» Why Invest in Real Estate? » Private Money Program  1 st Mortgage Program  2 nd Mortgage Program  3 rd Mortgage Program » Company Overview  Background  Web Site » Questions

» We buy, commercial apartment complexes » To fund our deals we generally borrow money from two sources » Private Individuals: We borrow 100% of the purchase price from private individuals (1 st Mortgage Money or 3 rd Mortgage Program /Equity Program) » Banks / Private Individuals: We borrow 70% to 80% of purchase price from a Bank and the balance from private individuals ( 2 nd Mortgage Money) » We pay private investors 9% for 1 st mortgage money or 12% for 2 nd mortgage money or 30%-40% equity profit share plus an additional 10% NRI monthly bonus payment. » We typically use the money for 5 years but we can offer shorter terms in some cases or longer using the Equity Program

“In my opinion Deven is professional and knowledgeable person and I would defiantly recommend him to anyone” Mr. Edward Height, Private Investor “Deven always seems to be ahead of the curve, with the ever changing real estate environment his years of experience as an investor and property manager are invaluable. His proven marketing techniques and knowledge provide insight that demands attention.” Mr. Oren Chase, Private Lender, Exton PA

» We use our advance marketing program to get motivated sellers to call us » We negotiate to buy commercial apartment complexes that are typically 25% to 60% below market value » At closing, we borrow from private investor(s) to purchase the property » Private investors get a mortgage, title insurance and property insurance as security for their investment » We make payments to you on the scheduled dates

1 st Mortgage Program 1.$10,000,000 minimum 2.Up to 75% Loan-to-Value (LTV) 3.100% project funding required 4.9% Interest 5.Numerous payment options (monthly, quarterly, etc.) 6.One Point (1%) fee to the private investor at closing 7.5 Year Term (we allow early withdrawal without any penalties)

2 nd Mortgage Program 1.$2,500,000 minimum 2.12% Interest 3.Up to 25% project funding required 4.Numerous payment options (monthly, quarterly, etc.) 5.Up to 95% LTV 6.Two Point (2%) fee to the private investor at closing 7.5 Year Term (we allow early withdrawal without any penalties)

3rd Mortgage Program/Equity Program 1.$10,000,000 minimum 2.30%-40% equity from profit (Ownership) plus additional 10% NRI monthly bonus payment 3.100% project funding required 4.Numerous payment options (monthly, quarterly, etc.) 5.Up to 75% LTV 6.One Point (1%) fee to the private investor at closing 7.5 Year Term (we allow early withdrawal without any penalties) or longer

» We can make payments as follows: » Monthly (9.0% APR) » Quarterly (9.1% APR) » Semi-annually (9.2% APR) » Annual (9.4% APR) » No Payment Accrual Program (11.3% APR) » Private Investors get 9% interest on their capital (12% if you choose the 2nd Mortgage Program)

Bank CD’s vs. Private Money Program » Money invested in banks CD’s will earn about 2.7% ($270 per year for every $10,000) » Our Private Money Program yields between 9.0% and 12% ($900 to $1,200 per year for every $10,000) » That is over 333% better than a bank CD’s

» Average Purchase Price is between $10,000,000 - $12,000,000 » Properties mainly located in NJ, PA but also in states such as DE,VA,NC,SC,GA (Dekalb or Cobb County),Fl and TX » Repair Cost (targeting properties that require zero repair) » Apartments have 1 to 3 bedrooms and 1+ baths (variety of floor plans) » Apartments will rent for on $410 to $1400 per month and will be increased at renewal at least 3% » Our profit is the spread between the rent and the interest payment(s)

» We rent to people who are in transition and want to buy but are currently unable and need some time to improve their financial situation - “Tenant” » We also rent to long time renters who will never buy but are great long-term tenants » Induce new renters we offer several incentives such as the first month of rent free with a thirteen month lease agreement.

» We collect rent from our Tenants through a tough “Owner friendly lease” and Professional Property Managers » We require a month and a half security deposit from our Tenants to secure the apartment to protect both us and our Private Money Lenders » We never default on a loan - We will pay our Private Money Lenders out of our pocket, if needed

» Promissory Note signed at time of investment by Opulent Investment Services LLC » A first or second mortgage recorded with the local county office » Certificate of insurance naming you as additional insured » Title Insurance

» 1st Mortgage Program – we never borrow more 75% Loan-to-Value » We typically buy 25% to 60% below market » We create additional cushion by building in equity by increasing rents 3% or more depending on statute, the market value and improvements if necessary » We find quality Tenants who give us a month and a half security and the first months rent up front » We aggressively manage our properties to make sure tenants pay on time and maximize the property value

» Why Invest in Real Estate? » Private Money Program  1 st Mortgage Program  2 nd Mortgage Program » Company Overview  Background  Web Site » Questions

» Opulent Investment Services LLC is a Nevada Limited Liability Company » Founded in 2004 and have 15 years of experience » Two members: My wife and I » We hold properties both short and long term » Currently own 10 properties with about $8.9 million in asset value

» 44 Years Old » Married 14 Years » One Daughter » 10 Years » Home – Williamstown, NJ » BS-Rutgers, Cook College (1990) – Environmental Planning » AAS-Gloucester County College – (2010) – Accounting » 17 Years as Payroll Management

» We started in 2004 with the purchase of a four unit building in Montclair, NJ. Since that first purchase, we have become a serious real estate investment firm located in the Gloucester county region of New Jersey » We have grown to hold over 10 properties worth over $8.9 million » Our goal is to grow the company to hold and manage about 20 properties by providing affordable housing to Tenant » We acquire, hold and rent residential real estate

» We are very focused in a small geographic area and know the values in our market much better than the sellers, realtors and, in most cases, our competition » This extensive knowledge and our private money funding gives us the leverage to pay cash and drive bargain deals and results in profits for us and our private investors » This advantage is what allows us to pay private money investors 9% to 12% versus bank CD’s at 2% to 3%

» Why Invest in Real Estate? » Private Money Program  1 st Mortgage Program  2 nd Mortgage Program » Company Overview  Background  Web Site » Questions

» If you would like to earn 9% or 12% starting today please see me and we can arrange a private one- on-one meeting » Or sign up today » If you have any additional questions please feel free to ask

Mailing Address: PO Box 1102 Montclair, NJ Web Site: Cell Phone: