1. Credit Partner Investing CREDIT PARTNER INVESTING Name Company Date

2. Credit Partner Investing Safe Headache-Free Significant Yields

3. Presentation What is Credit Partner Investing? How can you benefit?

4. Ordinary Individual’s Income: Employee Job; income derives from labor Need more money? Taxes: earn income, pay taxes, then pays bills Retirement.

5. Investors’ Income Acquire assets Assets produce income Need more money? Taxes Retirement

6. Assets = Wealthy Retirement Over time, assets appreciate in value and income from assets increase accordingly Rents increase, but mortgage payment remains the same Result: in 30 years, tenants pay off mortgage and investor owns the property free and clear of any mortgage payments and rents are increased over time

7. 10 Unit Apartment Building Purchased 30 years ago Purchase price:$50,000 Down payment:$10,000 Mortgage amount:$40,000 Monthly payments:$ 240 Monthly taxes:$ 53 Monthly insurance:$ 40 Monthly maintenance:$ 200 Monthly vacancy:$ 100 (10%) Monthly rent:$ 1,000

8. Summary of 10 Unit Apartment Building Monthly income:$1,000 Monthly expenses:$ 633 Monthly cash flow:$ 367 Yearly income:$4,404 Depreciation deduction:$1,819 Other deduction:$1,000 Tax basis:$1,585

9. 10 Unit Apartment Building Today Value:$ 1,766,267 Monthly income:$ 15,000 Mortgage amt:$ 0 Monthly taxes:$ 53 Insurance:$ 200 Monthly vacancy:$ 1,500 Monthly cash flow:$ 13,247 Yearly Income:$ 158,964

10. 10 Building 30 Years Ago Value of buildings:$17,662,670 Monthly cash flow:$ 132,470 Yearly income:$ 1,589,640

11. Why Are Most People Employees And Not Investors? Not taught in traditional education Investment education is not known by the masses Student loans are not available for investment education Difficult without capital Lack of experience Too risky

12. Let me show you how to become a “mini bank.” How Do Banks Earn Money? Borrow money from depositors, federal reserve and other banks Loan money to others at a higher rate

13. Become A Credit Partner Investor Without Having: Expert knowledge Experience Capital High risk

14. Borrow from banks at a low interest rate and loan it to us at a higher rate. Credit Partner Investing Program Overview We buy properties Credit partners finance the purchases- unsecured business credit lines Credit partners profit share- > Credit partners receive mortgage It is simple and hassle free

15. Business Credit Lines vs. Personal Credit Lines Factors lowering your credit score Reported on personal credit report

16. Availability of cash allows us to buy at a discount. Credit Partner Investing: How it Works I locate a property to purchase I borrow from the credit lines to purchase the property I use a third party escrow company to handle all funds as well as to record all closing documents I issue you a mortgage on the property When the property is re-sold, the funds (the money you borrowed and your share of the profit) are sent directly back to you You decide if you want to repeat the process!

17. How It Works Purchase Property Documents Securing Loans Documents Securing Loans Banks Credit Investor Partner Renter or Buyer Monthly Payment Credit Investor Partner SELL PROPERTY Credit Investor Partner Name Company Banks

18. Credit Partner Program Payments I make monthly payments equivalent to the payments that are due on the credit lines.

19. How Can We Purchase Properties Below Market Value? I buy distressed properties that usually need cosmetic repair I have an effective marketing plan that connects us with distressed properties and motivated sellers I save money on renovations I create value by turning unattractive properties into gems

20. You have no expense! Securing Documents Promissory Note Mortgage or Trust Deed Hazard Insurance Policy Title Insurance Appraisal

21. Your GREATEST Concern: Protection of Borrowed Money I do not over leverage the property. I never borrow more than >% loan-to- value after renovated.

22. 65% Loan-to-Value $100,000 After-Repaired Value $65,000 Max Loan Plenty of Equity Exists To Secure Your Loan

23. Property Value: $100,000 What Happens If We Default Loan amount:$65,000 Foreclosure costs:$ 5,000 Accruing Interest:$ 3,300 Your profit sharing:$ 8,750 Opening Bid:$82,050

24. Control Your Financial Destiny Increase your income passively Have genuine financial security Build your retirement Quit your job Enjoy your life

25. You Are In Control: I Process the Paperwork I present a package for each purchase You assess the risk of the investment You decide if you wish to fund the purchase You are the only person with the authority to draw money from the credit lines The escrow company handles all the money and files all the paperwork, including the promissory note, mortgage, hazard insurance and lender’s title insurance

26. We Buy Properties From Banks Private individuals Realtors

27. Who Buys Our Properties? Many of our properties are single family homes and purchased by first-time home buyers Many could not qualify to purchase without our experience and creative programs

28. Credit Investing Program Our Company History Key personal Program

29. Company Summary Our company name is >. Our company structure is > I do the property management Short-term transactions -buy and flip -buy, rent, and sell

30. Company Goals To establish more purchasing power through additional credit partners Continue growth by purchasing more properties Offering affordable housing to tenants and 1st time homeowners

31. Competitive Advantage Speed: Paying cash allows us to buy properties faster than our competitors Knowledge: Using creative real estate techniques allows us to see deals that many of our competitors are unable to see

32. Contact Me Office Location: > >, >, > >. Mailing Address: > >, >, > >. Web Site: > E-Mail: >

33. My Location Insert Picture of Your Office Here.

34. My Website Insert a picture of your home page here

35. Properties Purchased Insert Picture of a House or Houses You Have Purchased.

36. A shared dream. Why Am I Successful Networking, speed, ambition, expertise, and integrity.

37. We hope you decide to join my team Decision You have two options: Option One - Do nothing. You are not interested. Please refer us someone you believe would be interested Option Two – Ask any questions you have and get started