YOU  CAN  BECOME  FINANCIALLY  FREE

 People realize the importance and value of investing, but many don't know how to find the investments or capital required to get started.  Your financial future is important and all investments should be evaluated carefully before getting involved.

 Investors diligently strive to increase their net worth by putting themselves in a position to capitalize on opportunities. Unfortunately many of these deals are only available for a short period of time, which presents a challenge.

Seasoned (and even ametuer) investors frequently find great real estate deals at auctions. However, most auctions require a down payment of $5,000 or more with the balance due (should the investor win the bid) within 24 to 48 hours. Conventional lenders (i.e. banks, credit unions, mortgage companies) typically can't fund these deals this quickly because their due diligence requirements take anywhere from 30 to 45 days or more. For example, obtaining an appraisal on a property can easily take well over a week.

Investors frequently look to companies that specialize in hard money loans to obtain the short term financing required to purchase the property. Hard Money is a short term, high interest loan, also known as a bridge loan. As soon as the investment is secured with hard money the investor will then look for conventional financing (aka soft money). Why would an investor be willing to pay such high interest for a loan? Because the value of the property significantly exceeds the purchase price, thus making the potential return on investment (ROI) worthwhile.

Many hard money companies work as a consortium in that they pool money from a number of individuals. These monies are then loaned out to the investor. This loan is between the investor and the company, not the individuals. The individuals putting the money up for the investor are given a percentage of the profits and do not have a lien position on the property.

We work closely with a Investment Lending, a company dedicated to helping people reach their financial objectives. Investment Lending facilitates an investor's need for short term funding with hard money but offers some very distinct advantages over other hard money lenders. The primary objective for Investment Lending is to maximize our clients ROI and provide them with an added measure of protection. This is accomplished by doing the following:

• Only funding deals with a strong equity position (typically 30% equity or greater)

• Our clients go on title in first lien position (as an added measure of protection)

• Our clients receive the full amount of interest charged (not a percentage)

• Our clients wire their money to a title company, not to us (additional protection)

• Our clients have the opportunity to choose what deals they wish to invest in

 All of the above measures are put in place in an effort to minimize risks and maximize returns. Should an investor (borrower) default on a hard money loan, the property can be sold to recoup the investment. And being in first lien position, helps to provide our clients with an added measure of protection.

So how do we make our money? We charge the investor (borrower) points on the total sum borrowed. This is our compensation for putting the deal together.