Private Mortgage Investments High Yield Investments Secured by Real Estate

Private Mortgage Investments Howard k Long Ronan Funding LLC

Disclaimer Please carefully consider Ronan Funding, LLC's 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.

“More millionaires have created their wealth through real estate than any other endeavor” Andrew Carnegie

Summary To fund our deals we generally borrow money from banks at 70% to 80% of value and borrow the balance from private individuals To fund our deals we generally borrow money from banks at 70% to 80% of value and borrow the balance from private individuals Or we borrow 100% of the purchase price from private individuals Or we borrow 100% of the purchase price from private individuals We pay private investors 12% for 1 st mortgage money or 14% for 2 nd mortgage money We pay private investors 12% for 1 st mortgage money or 14% for 2 nd mortgage money We typically use your money for 1 year but we can offer shorter terms in some cases We typically use your money for 1 year but we can offer shorter terms in some cases

Private Mortgage Program We use our marketing program to get potential sellers to call us We use our marketing program to get potential sellers to call us We negotiate to buy a property that is typically 20% to 35% below market We negotiate to buy a property that is typically 20% to 35% below market At closing, we borrow from private investor(s) to purchase the property At closing, we borrow from private investor(s) to purchase the property Private investors get a mortgage and insurance as security Private investors get a mortgage and insurance as security We make payments to you on the scheduled dates We make payments to you on the scheduled dates

Private Mortgage Program Guidelines - 1 st Mortgage Program 1 st Mortgage Program 1. $50,000 minimum 2. Up to 75% LTV 3. 12% Interest 4. Numerous payment options (monthly, quarterly, ect.) 5. One Point (1%) upfront fee to you the investor

Private Mortgage Program Guidelines - 2 nd Mortgage Program 2 nd Mortgage Program 1. $25,000 minimum 2. 14% Interest 3. Numerous payment options (monthly, quarterly, ect.) 4. Up to 95% LTV 5. Two Point (2%) upfront fee to you the investor

Payments Options You get 12% simple interest on your invested capital (14% if you choose the 2 nd Mortgage Program) You get 12% simple interest on your invested capital (14% if you choose the 2 nd Mortgage Program) We can pay you any of the following ways: We can pay you any of the following ways: Monthly (12.0% APR) Monthly (12.0% APR) Quarterly (12.1% APR) Quarterly (12.1% APR) Semi-annually (12.2% APR) Semi-annually (12.2% APR) Annual (12.4% APR) Annual (12.4% APR) No Payment Accrual Program (13.3% APR) No Payment Accrual Program (13.3% APR)

How Do We Protect You The Investor? We collect rent from our Tenants though careful negotiations or court actions, if needed We collect rent from our Tenants though careful negotiations or court actions, if needed We require a 3% to 5% non-refundable deposit from our Tenant which dramatically reduces non-payment issues We require a 3% to 5% non-refundable deposit from our Tenant which dramatically reduces non-payment issues For monthly rentals we require at least two months security to protect both you and us For monthly rentals we require at least two months security to protect both you and us We will never default on a loan - We will pay you out of our pocket, if needed We will never default on a loan - We will pay you out of our pocket, if needed

How We Secure Your Private Mortgage Promissory Note signed at time of investment by Ronan Funding LLC Promissory Note signed at time of investment by Ronan Funding LLC A first or second mortgage recorded with the local county office A first or second mortgage recorded with the local county office Certificate of insurance naming you as additional insured Certificate of insurance naming you as additional insured

How We Protect Your Principal 1 st Mortgage Program – we never borrow more then75% Loan-to-Value 1 st Mortgage Program – we never borrow more then75% Loan-to-Value We typically buy 20% to 35% below market We typically buy 20% to 35% below market We create additional cushion by building in equity by rehabbing the property We create additional cushion by building in equity by rehabbing the property We find quality Tenants who give us large up front deposits We find quality Tenants who give us large up front deposits We aggressively manage our properties to make sure tenants pay on time and maximize the property value We aggressively manage our properties to make sure tenants pay on time and maximize the property value

Compare Private Lending Versus Hard Money Lenders Private LenderHard Money 12% to 14%15% or Higher One Point Fee5 to 10 Points No Credit CheckCredit Score Year Term6 to 12 Months No Back End Fees2 to 5 Point Backend Total Cost 25% This is Why We Use Private Lenders Versus Hard Money Lenders

Presentation Outline Presentation Outline Private Mortgage Program Private Mortgage Program 1 st Mortgage Program 1 st Mortgage Program 2 nd Mortgage Program 2 nd Mortgage Program Company Overview Company Overview Background Background Staff, Organization Chart and Web Site Staff, Organization Chart and Web Site Questions Questions

Ronan Funding, LLC We are a Roth self directed IRA. We are a Roth self directed IRA. We hold properties both short and long term We hold properties both short and long term 28 years of experience 28 years of experience

Our Core Strengths 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 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 funding gives us the leverage to pay cash and drive bargains and profits for us and our investors 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 investors 12% to 14% versus bank CD’s at 4% to 5% This advantage is what allows us to pay you the private investors 12% to 14% versus bank CD’s at 4% to 5%

Contact Information 5230 N Broad Street. Philadelphia,Pa N Broad Street. Philadelphia,Pa Web Site: Web Site: Cell Phone: Cell Phone:

How Do We Proceed! If you would like to earn 12% or 14% starting today please see me and we can arrange a private one-on-one meeting If you would like to earn 12% or 14% starting today please see me and we can arrange a private one-on-one meeting Or sign up today Or sign up today If you have any additional questions please feel free to ask. If you have any additional questions please feel free to ask. Howard K Long Howard K Long Managing Member Managing Member