CHAPTER 14

FREE

Forms Letters

NO EXCUSES!

(Picture Of Property Here)

(Your Company Name Here):INVESTMENT PROGRAM

Property:

Type:Single Family Home:

Square footage:

Lot Size:

Directions:

Appraised Value:$

Real Estate Mortgage:$

Monthly income:$ interest paid at 10%

Prepayment income:3 months interest if pre-paid in 1st year

Term:5 years

Final Payoff: 20% of appreciation of property at

re-appraisal

Future potential:

(Your Company Name Here)

BANKS CONTINUE TO ENJOY HIGH PROFITS!

What do Banks Know about Investing?Plenty!

It is no secret that banks invest heavily in REAL ESTATE LOANS. Why? Because they are looking for conservative investments with solid growth and three important features:

ProfitabilitySafetySecurity

Mortgages offer the banks solid, long-term, fixed returns. You can put yourself in the position of the bank by directing your investment capital, including retirement funds, to well-secured real estate mortgages.

Mortgages have ultimate safety because, if default occurs, the bank can recover its investment as the first lien holder on the property.

Banks are most secure when they loan at 80% of the value of the property or less. In fact, they don't even require Private Mortgage Insurance on properties with this kind of “loan to value.” The banks know that the value of the property itself is more than enough to cover their investment. You could say the investment is self-insured, especially with first rights as a lien holder.

You can do what the banks have been doing for years…make a profitable return on investments backed by real estate.

(Your Company Name Here) will show you how to “be the bank” and start earning 10% fixed returns on your investments NOW!

(Your Company Name Here)

(Your Company Address)

(Your Company Address)

(Your Company E-mail Address)

(Your Company Name Here)

(Your Company Address Here)

(Your Phone Number Here) (Your E-mail Address Here)

Be the Bank! – Passive Investing

Available Properties:

Property / Condition / Bed Bath / Value / Investor Funds / Investors Monthly Income
1
2 / Funded
3
4
5
6 / Funded

Interest: 10% monthly / quarterly / or accrued

Term: 5 year flex term

Prepayment: 90 days interest if payoff in 1st year.

Appreciation: Appreciation bonus of 20% at final payoff (after one year)

(Place Picture of Choice Here)

(Your Company Name Here)

COMPANY LEADERSHIP

(Your Company Name Here) was formed in (DATE) by the firm’s principals, (Your Name Here). (Your Name Here) have extensive expertise in researching, locating, acquiring and managing real estate with potential equity growth:

(Your Name)

(Your Partner’s Name)

(Your Team Members Name)

(Your Company Name Here)

COMPANY OVERVIEW

(Your Company Name Here) is a limited liability corporation formed under the laws of the state of (Your State Here)to purchase and manage single and multi-family dwellings in the (Your City Here) and the surrounding counties. (Your Company Name Here) offers private individuals the opportunity to invest in real estate income property via mortgages, earning passive income. Our overall philosophy focuses on strategically acquiring property with growth potential and providing excellent returns for our clients’ investments.

Investment Approach

We follow a systematic and disciplined approach when purchasing investment property, putting each potential investment through a strict due diligence process. This rigorous set of criteria includes, but is not limited to, the following:

  1. Comparable property analysis and examination by an certified, independent appraiser
  2. An economic study of the neighborhood, city planning and development
  3. Demographics of area, marketability, and growth potential
  4. Statistics on the crime rate
  5. Public transportation and schools
  6. Overall condition of the property, including heating and air, plumbing, electrical, roof, and structural.

Giving Back to the Marketplace

Though the overall real estate market is solid and the supply and demand ratio of homes is stable, there are increased numbers of motivated sellers, many through bankruptcy and foreclosure. We are able to capitalize on the circumstances of the marketplace by acquiring desirable property, while also helping people solve their real estate challenges. We provide the sellers with a fresh start, and we make improvements to the property after acquisition.

(Your Company Name Here) markets homes via direct sales, creative rental, leasing and purchase option programs for new buyers. All potential tenants are screened for credit worthiness, employment stability, prior rental history and criminal history. A revitalized home with a reliable tenant/buyer adds economic value to the neighborhood, as well as making it a better place to live.

(Your Company Name Here)

I Would Like More Information about

Investing in Real Estate Mortgages

I’m interested in the following types of properties:

Single family residences

Townhomes

Multi-family dwellings

I am interested in investments/mortgages in the following amount(s):

$20,000 - $50,000

$50,000 - $75,000

$75,000 - $100,000

$100,000 - $150,000

$150,000 - $200,000

$200,000 and up

Name

Address

City, ST, Zipe-mail

Call me to set up an appointment. Phone:______

For faster service, (Your Company Name Here) at (Your Company Phone Number Here), or e-mail us at (Your Company E-mail Address Here).

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INVESTMENT HIGHLIGHTS

(Your Company name here) offers investments in real estate mortgages for savings and retirement funds. This program is IRA Eligible.

Instrument: / Real estate mortgage
Investment: / 80% of the appraised value of the property
Property: / All purchases are residential and local to the (YourCity) Area.
Security: / 1st priority lien on the property, registered at (YourCounty) County Courthouse
Interest rate: / 10% fixed return
Term: / 5 years
Income stream: / Monthly or Quarterly interest payment
Appreciation Bonus: / 20% of the property’s appreciated value at mortgage payoff.

Investment Scenario

(Your Company Name Here) designates a property with a certified, appraised value of $125,000.

Investor makes a $100,000 investment for a five year term which is 80% of the $125,000 appraised value.

Investor is paid 10% interest per year on the investment—in this case $10,000 or $833.35 per month.

Investor is returned his original investment of $100,000 at the end of the five-year term, after being paid a total of $50,000 ($833.35 x 60 months) in interest.

Investor’s appreciation bonus assumes an approximate appreciation of 4% annually. The property is re-appraised at the end of the 5 years and shows an increase in value from $125,000 in 2010 to $150,000 in 2015. Appreciation bonus is 20% of the property’s appreciated value (20% of $25,000) for an additional $5,000 of income.

Investor in a 5-year term turned their original $100,000 investment into $155,000, which does not include re-investing the monthly interest income.

Participation: Passively invest in real estate. All issues regarding maintenance, management, tenants, etc. are handled by (Your Company Name Here).

No Fees: (Your Company Name Here) incurs all expenses in closing on the investment, as well as any expenses incurred in the management of the investment property.

Early Payment: If (Your Company Name Here) pays off the note before the end of the first year, the investor will continue to receive interest payments up to an additional 90 days or until (Your Company Name Here) acquires another property for the investor. All transfers are subject to the Investor’s final approval.

Appreciation: Investor receives 20% of the increase in value over the original appraisal when the mortgage is satisfied or at the maturity of the 5-year term. A new certified appraisal is performed at that time.

Right of 1st Lien Holder: The Investor, as “mortgagor,” has the right of first lien holder and Power of Sale on the property.

Safety: A description of investment details, including legal compliance, insurance and underwriting guidelines can be found in the (Your Company Name Here) brochure, Chapters 7 and 8.

Suitability and Disclosure: Investors must be 21 years of age or older and have sufficient knowledge and experience in financial and business matters. The subject investments are not intended to be securities and, therefore, are not afforded protection under the Securities Act of 1933, the Securities Exchange Act of 1934 or applicable state laws and have not been registered under the Acts or certain state securities laws. If default occurs on payment per the terms of the promissory note and deed of trust, the investor’s legal rights of action are contained within those agreements and should be thoroughly examined with the investor’s own counsel.

(Your Company Name Here)

(Your Company Address Here)

(Your Company Phone Number Here)

(Your Company Fax Number Here)

(Your Company E-mail Address Here)

Dear Savvy Investor:

Congratulations on having the motivation to search out additional and alternative investment vehicles. After all, it is your money, and taking an assertive role will pay you huge dividends now and in the future.

Frustration occurs when your investments (that you spent years accumulating) start to diminish in size and no one (especially the professionals you entrusted) has the answers you want. Your options seem limited, and you may be asking yourself: Do I trade? Do I wait and hold and absorb the losses? If I’m retired, do I go back to work? What do I do? Whom do I trust? How do I protect my future and my family’s future?

These are all valid questions to several real-time concerns: Today’s news coverage depicts America in a sluggish and uncertain economy with daily reports of corporate scandals, layoffs, improper accounting practices, and large investment losses. The uncertainty and volatility of traditional investment vehicles make it even more important to seek out consistent returns. Normally, fixed returns equate to lower yields.

There is a better alternative—Collateral-Based Investments with a company focused on developing successful, long-term relationships. That company is (Your Company Name Here).

We provide you, the investor, with security and high-yielding, consistent growth. You will enjoy generous, fixed returns secured by real estate with an immediate 20% equity position from day one. Plus, you have the right of first lien holder, just like a bank. Your investment is passive, because (Your Company Name Here) handles all management and maintenance of the properties. We invest in real property with historically increasing value, located in the most desirable growth areas. We are confident in the knowledge we bring to what most seasoned investors would call a challenging market.

The time is right to align your portfolio with (Your Company Name Here)the company committed to shifting the paradigm of investing…by building wealth with Real Estate. Please review the enclosed materials, and call us to make an appointment to learn more about your dynamic investment options.

Yours truly,

(Your Company Name Here)

(Date)

(Your Name)

(Your Company Name Here)

(Your Company Address Here)

Dear(Your Private Lender)

I wanted to drop you a short note thanking you for introducing me to the concept of utilizing my IRA to invest in real estate. After looking at your program thoroughly, your knowledge of real estate, along with your attention to detail, has made it an easy decision to invest with (Your Company Name). I know you work real hard and you’re doing a great job.

Thanks again for the safe, secure 9.5% return on my money. I look forward to more transactions with you in the future.

Sincerely,

(Your Private Lender)

Call (Your Company Name Here)

9% to 12% fixed rates for the next 5 years!

On your IRA or other investment funds.

Collateral investments secured by Real Estate.

HERE’S AN INTERESTING CONCEPT:

For a FREE investor information package

Call Now!! (Your Company Phone Number Here)

Or email us at (Your Company E-mail Address Here)

(Your Company Name Here)

(Your Company Address Here)

(Your Company Phone Number Here)

(Your Company E-mail Address Here)

Seminar Questions and Answers:

What type of company is (Your Company Name Here)? We are a real-estate investment company that owns property in the local Charlotte area. We buy, sell and manage our own real estate. Our expertise is in finding under-valued real estate like foreclosures and then managing that real estate. We are real estate investors.

What type of investment is this? It is a real estate mortgage / deed of trust.

It is not: a pool of funds with other investors and it is not a limited or general partnership.

Our real estate mortgages are the same as the banks; real estate mortgages are not FDIC insured and are not subject to Securities and Exchange acts. It is a transaction based investment whereby (Your Company Name Here) owns the property and you own the mortgage backed by the property, just like a bank does on your home.

Is my 10% guaranteed? Though nothing is guaranteed, your return is fixed, and it is not based on the performance of our company, but it is based on our ability to pay and manage our properties. We have a large vested interest in the properties with 20% or more equity in each property.

How can we afford to pay 10% interest? We fund our properties with banks and private investors. Our normal hold on a property will be 7 years or less. This makes it ideal to utilize private funding. To buy a foreclosure and fund the purchase with a bank, then rehab the property, and then refinance the property a second time to recover our carrying costs is an expensive and cumbersome process. With a private investor it is a onetime transaction and the closing costs are a lot less. As you all know, traditional real estate closings are approx 3% to 5% of loan amount. Our long term hold properties are financed with banks to take advantage of lower bank rates.

What happens if the tenant doesn’t pay (Your Company Name Here)? We still pay the mortgage interest every month regardless of a tenant, vacancy or otherwise. Our ability to pay is spread over many properties. Your investment is tied to one property.

What is my risk? If we did not pay then you can exercise your Power of Sale clause in your mortgage and sell the property through foreclosure. Remember that your investment is at least 20% less than what the property is worth. If the property did not sell at foreclosure for your entire amount owed then you could take title and sell it on the open market (i.e. through a real estate agent). If it sold for more than owed, the profit would be yours

Can you buy a piece of real estate with your IRA? Yes you can. Your returns are based directly on how the property performs and appreciates. However there are many prohibited transactions when you buy real estate with your IRA. For instance, you or your family cannot benefit personally from the property. You cannot live in the property or stay in it. Your IRA has to pay for everything for the property. Keeping yourself at an arm’s length from your IRA property can be difficult as you are not allowed to manage the property for your IRA, that is why it is important to have an experienced company, like (Your Company Name Here) handling all aspects of your investment.

Why are mortgages ideal? Passive investing with fixed returns, no management hassles, no ownership liabilities, secured by a real asset, and not subject to market or housing fluctuations. In a retirement account there are no tax implications.

Private Real Estate Investing Builds Wealth While Improving our Communities

(Your Company Name Here) is a local (your city) company that purchases and renovates residential properties throughout (your county), just like this one. In fact, here is one of our properties we recently completed renovations on.

Many of our properties are funded with mortgage companies and banks, such as BB&T, Wachovia and Countrywide Mortgage. In addition, many of our properties are funded with private investors like yourself.

Banks pay their investors 1.9% to 2.9% on CD’s (Certificates of Deposit). Then the banks lend the money out to you and I at 6% to 8%. They make the spread between what they pay on a CD and what they charge borrowers.

At (Your Company Name Here), our investors earn 9.5% fixed up to five years. We also work with many investors who have IRA funds available, so they can take full advantage of the tax-deferral status for retirement savings.

Call us at (Your Company Phone Number Here) to learn more about your investment options and/or to reserve a seat at one of our upcoming seminars. Find out what your banker and broker won’t tell you… how real estate really builds wealth.

(Your Company Name Here)

(Your company address here)

(Your company phone number here)

(Your company e-mail address here)

ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 11% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here) / ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 11% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here)
ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 12% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here) / ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 12% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here)
ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 12% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here) / ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 12% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here)
ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 12% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here) / ATTENTION INVESTORS
Fixed returns backed by Real Estate
Accelerate your portfolio and your family’s future to the next level of growth and security. We will help you re-focus with a secure return diversified with REAL ESTATE.
IRA Eligible
Earn 9 – 12% on your investment.
$20,000 - $500,000 Investments. Serious inquiries only.
Call or e-mail us for FREE Investment information.
(Your Company Name Here)

Position your portfolio with a fixed 8-10% return
for the next five years. NO STOCK MARKET RISK!

(Your Company Name Here)@(Your Phone Number Here)

(Your Company E-mail Address Here)
$20,000 to $500,000 Investments IRA and 401K eligible
Not FDIC insured. For legal securities or investment advice we
recommend consulting with professionals in those fields.
` /
Position your portfolio with a fixed 8-10% return
for the next five years. NO STOCK MARKET RISK!

(Your Company Name Here)@(Your Phone Number Here)

(Your Company E-mail Address Here)
$20,000 to $500,000 Investments IRA and 401K eligible
Not FDIC insured. For legal securities or investment advice we
recommend consulting with professionals in those fields.
` /
Position your portfolio with a fixed 10% return
for the next five years. NO STOCK MARKET RISK!

CALL EQUITY VENTURES@ 704-807-2357


$20,000 to $500,000 Investments IRA and 401K eligible
Not FDIC insured. For legal securities or investment advice we
recommend consulting with professionals in those fields.
`


Position your portfolio with a fixed 8-10% return
for the next five years. NO STOCK MARKET RISK!

(Your Company Name Here)@(Your Phone Number Here)

(Your Company E-mail Address Here)
$20,000 to $500,000 Investments IRA and 401K eligible
Not FDIC insured. For legal securities or investment advice we
recommend consulting with professionals in those fields.
` /
Position your portfolio with a fixed 8-10% return
for the next five years. NO STOCK MARKET RISK!

(Your Company Name Here)@(Your Phone Number Here)