2. Private Lending for Higher Profits Your Name Your Company

3. Notice Please 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.

4. Private Lending for Higher Profits How much are you currently earning on your investments? CDs, Stocks, Mutual Funds, Savings, IRAs, 401K accounts Are you consistently earning 10%? Do you want to have more control and safely increase your return on investment?

5. Recent Market History… Stock Market Interest rates Corporate fraud Accounting fraud Securities fraud World events

6. Real Estate… Slow, steady appreciation Tangible asset Everyone needs shelter Tax benefits The American Dream

7. 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

8. 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…

9. 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?

10. Credit is tight Banks move slowly Our sellers need to move quickly This 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?

11. 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

12. 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

13. 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% YearPrincipleRateInterestTotal 115000.002%300.0015300.00 2 2%306.0015606.00 3 2%312.1215918.12 4 2%318.3616236.48 5 2%324.7316561.21 6 2%331.2216892.44 PrincipleRateInterestTotal 15000.0010%1500.0016500.00 10%1650.0018150.00 10%1815.0019965.00 10%1996.5021961.50 10%2196.1524157.65 10%2415.7726573.42 $9680.98

14. Example: $15,000 Loan

15. Four Documents Security Deed or Mortgage Promissory Note Lender’sTitle Insurance Hazard Insurance How is your loan secured?

16. We will not over-leverage property Maximum 80% Loan to Value (LTV) Helps protect your investment Based on after-repaired-value (ARV) and comparable sales Additional security… Comparable Sales Repairs

17. 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?

18. 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…)

19. 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?

20. Private lender money at work… Before After Owner Finance using Existing Financing

21. Private lender money at work… Before After Rehab with Private Financing

22. 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

23. Private Financing Breakdown

24. Sell in 6 months for net of$160,659 Repayment of loan $23,641 + 1,182 = $ 24,823 Net Profit$ 39,477 Private Financing Breakdown

25. How do I get started? You can start earning 10% today Listen to the audio CD and let me know if you have any questions Set up a self-directed IRA if you do not have one already Let us know how much you would like to lend and we will match you with an appropriate property

26. Thank you!