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Private Lending• Secured• Hassle-Free• Superior Yields

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Too Good To Be True?• No! To borrow money from

“hard money” lenders, we have to pay

• 12.5% interest• 3.5 points up front (=3.5%)• $1,1096 processing fee.• $375 appraisal feeBorrowing from you at 10%

saves us close to 7%.

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Welcome• Our company is Ultimate

Venture LLC, founded in January 2010.

• We acquire, rehab and sell homes by buying for cash.

• The corporate partners are David Stuard and Sheila Kirkland.

• On all REO’s Banks only accept cash, no financing, only cash. This is why we ask you to join us

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Introductions• David Stuard, manager• Sheila Kirkland, partner, financial

manager• Eric Townsend, Esq., Attorney• Anne Clark, Director of Operations• Lorraine Wright, Chief Property

Analyst• James McKinney, Accountant

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Why “Ultimate” Venture?We feel that real estate

provides:The ultimate long-term

appreciation.The ultimate

long-term security.

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Thanks for coming.

• Are you tired of Low Bank Rates?

• You can do much better than Bank CD’s.

• Learn today how you can make10% on your money.

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Bank CD Rates (approx.)

$100,000 12 months IRA

B of A .60 % .60 %

Chase .50 % .50 %

Union Bank

.60 % .40 %

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How Does Your Bank Make Money?

• They take in Money for CDs (Yours).

• Then they lend the money out at a higher rate of interest to other people to buy houses.

(We’re eliminating the bank, offering private lending.)

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Private Lending Program Overview To buy houses, we prefer to

borrow money directly from private individuals such as you.

• We pay you 10% to use your money.

• We save almost 7% by not having to borrow from hard money lenders.

• This is a win-win situation.

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Private Lending ProgramHow it Works

• We locate a property we want to buy.• We contact you and invite you to invest

in this property.• Your funds will be wired directly to a

trust account by you and only you.• Upon entering escrow, your funds will

be transferred directly to an escrow account.

• At close of escrow, you will receive the first or second trust deed to the property.

• When the property is sold your principal and interest is wired back to you.

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Documents Securing Your Investment

• Trust Deed on the Property and a promissory note.

• Title Insurance.• Hazard Insurance (fire, theft, etc.)• Written Appraisal before the

renovation.• Written appraisal after the

renovation.

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Primary Investor Example:$200,000 Loan

• $200,000 x 10% annual interest = $6,666.67 for 120 days (4 mo.)

• You receive a first trust deed and a promissory note.

• Principal and interest are wired back to you at close of sale after rehab.

• You may repeat the cycle.

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Secondary Investor Example:$50,000 - $100,000 • $50,000 x 10% annual

interest = $1,666.67 for 120 days (4 mo.)

• You will receive a second trust deed and a promissory note.

• Principal and interest are wired back to you at close of sale after rehab.

• You may repeat the cycle.

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How Can We Buy Houses So Far Below Market

Value?• Our specialty is “distressed” houses

that usually require major renovation. We see value in homes that others don’t see.

• We buy directly from banks who desperately need to sell these homes.

• We buy homes at foreclosure auctions.• We pay cash.

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• Money we borrow is no more than 75% of the value of the home after renovation.

This gives you additional security, because we don’t over-leverage the property.

Your BIGGEST Concern:Protection of Principal

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There is always Plenty of Equity Above Your

Investment.

This provides a 25% cushion for the investor.

25% cushion$300,000 ARV

$225,000 Maximum Loan (75% of ARV)

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How We Make Sure the House Sells

If a home does not sell within 60 days of close of escrow, we do the following:

• Offer a substantial incentive bonus to the agent to sell the house.

• Reduce the selling price. A reduction of up to 25% would

still recover the investment – because we buy only houses that give us a cushion (discount) when we buy them.

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What Happens to My Investment if David Dies?

• The property will be sold and you will receive your principal and interest as agreed.

• Your loan is still secured by the property.

• This will be spelled out in your contract.

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Other sources of funds:IRA Money

• You can invest your IRA funds in real estate and protect your profit from taxes.

• It’s simple and easy.• A financial institution that offers

this program is located in Irvine, CA:

Entrust Group, Irvine, (949) 788-2970

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You’re in Control

• Visit an IRA custodian who handles real restate investments of IRA funds. Entrust Group, Irvine, (949) 788-

2970.• You can roll over IRA funds to

Escrow to invest in real estate.• You Earn 10% annual interest.• When the house sells (closes

escrow), your funds are transferred directly back to your IRA account.

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Do you have a Whole Life Insurance Policy?

• Borrow your Cash Value, which is now earning low CD rates of return.

• Invest the funds with Ultimate Venture LLC to buy real estate with us.

• Earn 10% on your investment.

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Our Competitive Advantage

• Buying with cash.• Buying REO’s directly from banks. • Buying Foreclosures at trustee

sales.• Buying in working class

neighborhoods where the residents have jobs.

• Using quality materials, such as granite, resulting in “like-new” homes.

• Putting “For Sale By Owner” signs up as soon as the front yard is presentable.

• We pay neighbors an incentive bonus for referring potential buyers.

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Who Sells Us Houses?

1. Banks2. Auctions – at court house steps.3. Private Individuals4. REO* Listing Agents5. Realtors

*REO = Real estate owned by a bank.

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Why San Diego?• Best for entry-level homes. • One of the “ten best places

to live” in California.• Perfect weather year-round.

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Company Growth Plans• Purchase 3-4 homes a

month.• Expand into multi-family

units and small apartment buildings.

• Offer Lease Options and buy rental properties.

• Commercial properties for long-term cash flow.

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How to Find Us Location:

2400 Via Mariposa West, Suite 1C

Laguna Woods, CA 92637Phone (949) 340-0290Fax (949) 340-2516Email: davidstuard@gmail.comWebsite:

UltimateVentureLLC.com

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Houses PurchasedThree of our 31 completed projects are featured on our website. All projects were profitable.

The pages include financial information, such as purchase price, rehab cost, and sale prices.