1. We start by identifying a property and performing a great amount of research to insure that we purchase at a value that is well below Full Market Value.

 

2. Once under Contract, we will contact you as the lender and coordinate a transfer of funds from your allocated source to our Attorney’s office to be placed in escrow.

 

3. We have a formal closing, and comparable to a traditional funding institution, your loan will be secured by a Mortgage & Promissory Note identifying you personally as the lender, as well as hazard insurance listing you as the mortgagee. You’ll receive a copy of each of these documents for your records.

 

4. While under construction and as long as your money is in our hands, you’ll receive a guaranteed rate of return of anywhere from 8%-10% (depending on the size of your investment).

 

5. Once the property is sold or refinanced with a traditional lender, you’ll receive your principal plus interest within 2 business days.

 

It’s our job to make sure that you feel secure and well taken care of. Every step of our process is guaranteed to be hassle free! What that means is that Deana will personally see your money through every step of the transaction and will be available to update you on any and every inquiry you may have. In addition, we partner with some of the best Real Estate Attorney’s in the area who are very familiar with these kinds of transactions. We’ll make certain that not a single penny isn’t accounted for!

Dependent on the size of the property, our start to finish term typically run from 3-9 months. If you’re interested in a longer term, we can also offer you the opportunity to roll funds from one project to the next. For each transition, we would request that you sign payoff letter to close out the prior transaction, you would received an interest payment in full, and then we can roll your funds over to the next investment where we will re-issue a new Mortgage and Note.

Unbeknownst to many, Real Estate loans are actually a commonly accepted use for many different Retirement plans & IRA’s. While not routed in the traditional fashion, it is a relatively simple process to invest your money and delegate your funds towards investment property as you please. To make use of your Retirement account or establish a Self-Direct IRA, you can simply partner with a third party custodian who will assist in safely coordinating the entire transaction. For more information on how this process works, we’ll be happy to introduce you to some of the servicing companies we’ve worked with in the past.

We know that this can be an extremely nerve-wracking process, but we want to reassure you that your investment is safe. Your money is secured by a piece of Real Estate (a hard Asset) which can ultimately be sold. As a secondary backup, that piece of Real Estate is covered under hazard insurance which makes certain that were anything to happen to the home, you would be paid regardless. As the mortgagee, you carry a lien on the property which means that until that lien is released or paid off, you will always take priority in payment. We also want you to know that we treat every dollar that we borrow from our investors as though it is our own. We’re extremely cautious in how we spend, always looking for a bargain, and never willing to risk beyond our means. This also means that we never extend ourselves or any of the money we borrow beyond 70% LTV (Loan to Value). Not only does this provide a sense of security for you as an investor but also for us as a borrower knowing that even if a house appraises below market value once it is completed, we have a built-in buffer protecting both sides of the transaction.