Private Lender Network!
“Sure, the fastest way to doubling your money is folding it in half and sticking it in your pocket, but registering with our network is a lot more profitable!”
"IT'S POSSIBLE TO EARN SAFE 12%-15% RETURNS ON YOUR HARD EARNED MONEY"
If you are seeking an honest time tested method for obtaining a solid 12-15% return on your capital then this may the most important letter you will read this year or ever!
Please take time to read through this entire letter since the following information could increase your investment yields by thousands of dollars in the coming years.
Dear Future Network Member,
We are a group of professional real estate investors and we would like to introduce you to methods that give you greater control over your investments and safely make them grow at two to five times your current rate. Does this sound too good to be true? Well, the truth is, it is not. Many private lenders just like you are currently enjoying these rates of return with minimum or no risk.
Smart investors have been utilizing this investment opportunity for years. In fact, there have been entire companies built around this strategy.
With the instability experienced by the stock market and Ponzi schemes by the likes of that fella who “Made off” with billions of unsuspecting investors capital, many people feel unsure about investing in anything, and yes this includes real estate as well!
However, keep your wallet in your purse or pocket, because we are not requesting a single dime from you. What we are requesting from you is your attention and an open mind for the next two-three minutes to introduce to you a possible alternative to the ups and downs experienced by so many who invest in real estate.
Private Loans Secured by a Mortgage
So, what is a Private Loan? It is a loan made to a real estate investor that is secured by real estate. Private Loan investors are given a first or second mortgage that secures their legal interest in the property and secures their investment. We are not talking about high Loan-To-Value (LTV) ratios the banks and savings and loan institutions make on homes. We offer very low LTV ratios to our Private Lenders to increase security of the loan. Our standard LTV ratios are under 75% of the value of the property securing the loan and frequently as low as 60% to 68%. This means additional security on the investment.
For example, if a property is valued at $100,000, our Private Lender will never have to loan more than $75,000 on the property. That's a 75% loan-to-value ratio. This is obviously a much safer approach from that taken by conventional lenders. These banks get into trouble have to foreclose because they make loans at 85% to 95%, even 100% loan-to-value ratio leaving them no equity for transfer costs, if they are ever forced into a position where they have to take back the collateral on the property.
You, as a lender, will never lend more than 75% LTV. As a lender, it is in your best interest to minimize risk and maximize return and this is why a loan should NEVER be made without a 25% safety net. We don't violate this rule, because your security is at stake.
Frequently Asked Questions
Who Borrows at High Rates and Why?
Investors like us do, because we have learned in our business that it's not the cost of money that matters, but the quick access to the funds so we can capitalize on opportunities.
Our company acquires hundreds of deals a year because we don’t use a traditional bank to finance the transaction. By operating in this manner most time we get the best terms on every type of real estate that exist.
Additionally, if a real estate investor locates a good deal on a property, many times the bank wants to loan on the purchase price not the value of the house, thus penalizing the investor for finding a great deal. Having access to money is generally a deciding factor in investing in real estate, so paying a higher interest rate is irrelevant when compared with the risk of losing the deal.
Do I have to give your company the money?
No. At no time do we ever have access to your funds. You or your attorney can simply wire the funds to escrow at closing.
What's the Minimum loan?
The minimum loan is $50,000, however in isolated situations we have established accounts with investments as low as $25,000.
What Types of Properties Do you Invest in?
We invest in real estate of every type from raw land to industrial plants and from mobile home parks to medical facilities.
Am I becoming an investor?
No. Remember we are not asking for you to become an investor, we are seeking to use your capital as a loan to help secure property we are acquiring an then providing the property as collateral for the loan in the event of default. In return for this use of capital we are offering a 15-20% return on your funds. Additionally, the S.E.C (Securities Exchange Commssion) has very strict rules about soliciting investment and we seek to stay in compliance with any and all rules outlined by that regulatory body.
Who is my lending relationship with?
USA Closers. We are direct buyers of the properties we are seeking private investor loans against. In most cases we are looking to hold on to the property.
Who handles all of the Details?
We will. Proper documentation is our job and will cost you nothing as the borrower covers all the cost. If you make a $50,000 loan, you send a check for $50,000 to the closing attorney and you get a mortgage for $50,000.
How do I get Paid?
We will set up your account. Just sit back and we will send you a quarterly interest only check for the duration of your investment. If you would like a monthly check, we can do that too! However, the majority of our investors prefer to receive a one time, principle plus interest payment after the completion of a project. For accounting reasons, this is a preferred way for our company as well.
Is this a long-term investment?
Generally, your loan is tied to a specific project with a timeline ranging from 3 to 12 months. We have lending scenarios for short term holds of three to six months. We also have longer term holds of one year and longer. You can pick a term that suits your strategy. It's your money and it's your choice.
Is this investment as safe as it sounds?
Yes! We always follow these common sense guidelines that we've talked about. Your money will grow two, three, or even four times faster that your current investments and you maintain control.
Each one of our properties that we acquire is put through a rigorous financial analysis to determine the deals profitability well before the property is ever purchased.
Remember that making loans of any kind is a business and should be treated as such. Every business is only as good as the systems that make up the business. We are experienced at designing systems which match the specific taste and temperature of wide group of investors nationwide and Mexico.
Is it possible to use my IRA's or pension plan?
Making real estate loans is a widely accepted use for IRA's and other Retirement Plans. The majority of people do not know that you can make private mortgage loans using the funds which are already in your IRA's and other retirement plans. Think of the power of loaning out funds at high interest rates that are Tax Free or Tax Deferred!
IRA Investment Process
In order for you to use retirement accounts for loans they must first be administered by a third party custodian. One custodian we commonly work with is Equity Trust Company. You can visit them on the web at http://www.trustetc.com or simply talk to us and we'll help you with the set up of your account.
After selecting your custodian, you simply send a transfer form to them and they'll do all of the work for you. Once you've done that you are ready to make private mortgage loans.
From there, you simply notify your custodian about the investment you are looking to make and send the check for the gross amount of the loan. Even better, we can do all the work for you and you just sign a few documents, sit back, relax, and wait for your money to grow tax free or deferred.
What types of documents should I as the lender receive?
Your closing package should contain the following:
1) A copy of the mortgage. The original will be recorded.
2) A hazard insurance endorsement naming you as mortgagee.
These documents provide you with the security you need and the return which you desire.
Summary
We hope that your mind has been opened to alternatives that exist to the get rich quick schemes in real estate. We seek to develop relationships with investors across the vast geographic marketplace in the United States. Private mortgages are an old instrument for building wealth quickly. While many people are wasting time complaining you have been presented with an opportunity to surpass any rates offered by a bank CD and in some cases the taxes are deferred almost indefinitely.
Are you ready to take action?
So what's it going to be? Are you going to continue to let other people control your money so you only get a return that barely keeps up with inflation? Of are you going to take control and make sure that when you get ready to retire, you can do what you want without worrying about money? If you are retired, here is a great opportunity to squeeze every interest dollar out of your savings that you can.
Private lending is an incredible was to build wealth in a way that most people aren't aware exists. You are amongst the knowing ones now.
Sincerely,
Steve Kleinberg
President - USA Closers
