Peak Properties, LLC Consulting Services for the Private Lender

Are You Earning10-15% On Your Investments?

Secure Investment

Hassle Free Investment

High Yield Investment

Private Investing in Quick Turn Real Estate

We are so glad you are here and this presentation will help us get acquainted.

I really want you to understand what My Company has to offer. This is a guide to show you how to use your Investing funds including your IRA, 401K, Self Directed Pension Plan to start earning high yields on your investments TODAY!!!!

Welcome

• Private Lender Program • Company Overview

−History −Dream Team

Agenda

What is a Private Lender?

A person who loans money to a professional real estate investor for short term loans

Lender receives very high interest rates for their loans.

Lender is secured by a mortgage on the property.

Summary

What is this Quick Turn Real Estate all About?

• Real Estate Investors buy distressed houses including foreclosures, bank owned houses and other unwanted houses.

• Investors repair and renovate them and quickly resell the houses for huge profits.

What are the Advantages to the Lender ?

• Lender receives high double digit return on investment

• Lender is not responsible for any work or repairs

• Lender enjoys a passive hands off investment

Why Real Estate Investors Need Private Lenders

Not every seller can finance their property for the investor. So Cash is Needed

Real Estate projects are cash intensive on investors.

Cash is King in the quick turn real estate market.

Network and Team Members

• Real Estate Agent - Knowledgeable of Market

• Appraiser- Safety Cushion

• Attorney - Understands Distressed Real Estate

• Home Inspector - Safety Cushion

• Insurance Agent- Proper Vacant House Insurance

• Contractor – Licensed and Insured

How Private Lenders Greatly Help Real Estate Investors.

• REI (real estate investors) always will be able to offer Cash and Quick Closings!

• REI don’t lose deals because of financing

• REI will get these loans with no loan applications.

• REI will save thousands in fees and points. Thus giving private lenders huge returns.

Why are There More Private Lenders Entering This Investment Area?

• Many got burned by the ever swinging and volatile Stock Market

• Most safe, fixed rate investments are very slow yielding.

• People are just now learning about the safe huge returns that quick turn real estate can offer them and how accessible it is all over the country.

Why Private Lending is the Best and Safest Investment Offering the Highest Returns

• Returns are extremely high (10-15%) • Investments are short to medium term for

quick liquidity. 4-6 months average time • Investment is secured-1st lien position on

property • Private Lending is a hands off investment • Liability is extremely low

Where do Private Lenders Get Their Investment Funds?

• Savings Account that presently are earning 1-2%

• Equity in their homes or other properties. • Funds from stale stocks earning no returns. • Self Directed Retirement Accounts. • Self Directed IRA • Self Directed 401K PLANS • Self Directed PENSION FUNDS

What Documents are Needed to Secure the Lenders Investment?

• Lenders Agreement with Escrow Agent – Attorney or Title Company

• Title Insurance Policy • Homeowners Liability & Fire Insurance Policy • 1st Mortgage and Note (Deed of Trust) • Appraisal or CMA of ARV (after repaired

value)

How Does Your Bank Make Money Today?

• They take in money on savings account and CD’s. (You)

• They then loan the money out at a higher rate of interest to other people and businesses.

Private Lenders Can Now….

Become….The Bank!

Private Lender Program Overview

RE Investors buy & sell houses. To buy houses, they prefer to borrow

money from private individuals. You receive 10% -15% to use your

money. It is really a very simple plan.

Think of it like you would with a bank CD. -But with 5-10 Times Higher Return!

Private Lender Program How it Works

1) Investors locate a property we want to buy.

2) They borrow from you to

purchase and repair the property.

3) They have a formal closing and you get a

mortgage on the home with other

important documents

4.) When they sell the house you get your

principle and interest back.

Availability of cash allows them to buy at a huge discount!

START: Investor negotiates a property for a discount

They send out Lender Opportunity Package to request funding for the deal. ** includes appraisal and all the deal details **

A lender is selected and provides a Letter Of Commitment (LOC) to fund the project according to the contract closing date.

The contract is sent to the attorney’s office, title search is ordered, and they will start preparing the rest of the documents.

KEY DOCUMENTS CREATED FOR YOU AT CLOSING AS A

LENDER: Promissory Note Mortgage Title Insurance Policy Fire / Hazard Insurance Flood Search Termite Report Property Scan for Underground Tanks

FINISH: Lender provides certified funds to attorney All documents are signed transaction is complete

1

2

3

4

5

How it works 6 House Sells

Lender is paid principle and interest at closing directly from closing agent.- Transactions Completed

Private Lender Program How are Payments Made To You?

1) Either they will make monthly payments a) This can be draining on investor b) Usually investor will want lower interest

rate Or…Preferred Method

2) The interest accrues until the house is sold and you get (1) check for principle and interest.

3) Many times Lender can receive a full 6 month payment on early sales!

Investor’s Mortgage They offer you 10% simple interest. That’s

the least you can make. Note For up to a 1 year period Average time….6 months Variations can apply after term expires

6 Month Minimum Interest Common

Private Lender Program $100,000 Loan Example

$100,000 x 10% = $10,000 APR. A Bank CD @ 1.5% pays $1,500 per

year.

That’s a difference of

$8,500 per year!!!

Investors Target Property

• Purchase Price $150,000 (275K ARV).

• Rehab Cost $40,000. • Loan: $180,000 X 10% =

$1500/month.

If Six Month Minimum Enforced-

Return= $9,000= 10% APR

Documents Securing Your Investment Promissory Note. Mortgage. Hazard Insurance Policy. Title Insurance Appraisal/CMA

Lenders have NO expense

All costs paid from closing.

Your BIGGEST Concern? Protection of Principle!

• #1 Rule: Money borrowed is no higher that 65-70% loan-to-value after being renovated.

• This insures a 30-35% margin for closing costs and PROFIT!

Don’t Violate the 70% LTV

70% Loan to Value Example

Never Violate This Rule

$100,000 After Repaired Value

$70,000 Max Loan

Do You Have Money in IRA’s, 401K Pension Plans

You can self direct your IRA (Traditional/Roth) or pension plan.

Your returns stay tax deferred or tax free. It’s simple, easy and commonly used.

Equity in Home or Investment Property?

Use equity draw for loan. Usually very small percentage Earn difference on money not

being used.

People Who Sell Investors Houses

Banks

Foreclosures

Short Sales

Private Individuals

Probate

Pre-foreclosures

Distressed Homeowners

Vacant - out of state owners

Realtors

Short Sale/pre

foreclosures

Handyman Specials

Divorce/Sickness/Death

People Who/Why Buy Our Houses

Achieve the American Dream of home ownership. First time buyers.

Many could not buy without our special programs and willingness to go the extra mile / Concessions.

Move in Condition New and Modern

How Can Investors Buy Houses So Far Below Market Value?

• Their specialty is distressed properties that usually need renovation.

• They know where to look, what to buy, what not to buy and how to renovate.

• They create value by taking ugly, vacant homes that are eye sores and putting them back in saleable retail condition after renovation.

What Happens to My Investment……… if Investor Dies ?

• Business is structured to sell properties and pay you off. Your loan is still secured by the property.

• The property will be sold and your principle and interest will be paid as agreed.

•LTV is low enough for any other investor to buy it and finish the property if you wish.

Company Story • Peak Properties, LLC a serious real estate

investment firm located right in our area. • Our goal is to continue to provide

affordable housing to mainly 1st time homeowners.

• We are experts at analyzing, buying, renovating and selling residential properties.

• We acquire, rehab, and sell for a quick profit consisting of an average of 4 to 6 month turn around time.

• We offer consulting and partnerships to lenders entering this field of investing.

Competitive Advantage • Our competitive advantage is speed

to purchase a property and knowledge of creative real estate techniques.

• We never overpay or over leverage our properties (i.e. 70% LTV)

• Aggressive negotiations. • Expert Rehab knowledge/cost to

rehab. • Solid Team to Perform all Related

Tasks.

How To Find Us • Company Name: Peak Properties, LLC • Mailing Address: 319 Queen Anne

Road Teaneck, NJ 07666 • Phone: 201-836-7300 ext 101 • Web Site:

http://www.peakpropertiesllc.com • E-Mail:

support@peakpropertiesllc.com

Success Factors? What makes our company

unique. − Integrity, systems, speed in

buying and our knowledge of the market place.

What make our company

successful. − Teamwork, drive, focus and hard

work.

House Purchased

Before

After After

Before

After

House Purchased - Continued

Before

After

House Purchased - Continued

More Examples Purchase

Price:

$135,000 Repairs:

$47,000 Sold:

$263,000

69% LTV

More Examples Purchase

Price:

$96,000 Repairs:

$64,000 Sold:

$259,000

62% LTV

More Examples Purchase

Price:

$185,000 Repairs:

$60,000 Sold:

$350,000

69% LTV

Rehab Results: Simple and Nice

Rehab Results: Simple and Nice

The Next Step ? • By now you know

how this program works and how you can earn 10% starting today.

You have (3) options:

We hope you decide to join our

team

The Next Step ?

1) Option One - Do nothing. This isn’t for you. Can you give us names of folks that you feel it would serve.

2) Option Two - Set up a one-on-one meeting to discuss more details

3) Option Three - Fill out the interest form and leave with us. We’ll be in

touch.

Commitment Form

Name __________ Address __________ City __________

YES! I would like to get more information and get started.

New York Times Review

Thank You

Peak Properties, LLC.