Private Lending

If you're not earning the return you want on your investment dollars, your money isn't working hard enough for you.

We are group of real estate investors dedicated to providing you with innovative programs that give you more control over your investments, making them grow beyond current rates while being secured with real estate.

How does the Private Money Lending program work? Take control of your investments, IRA's and pensions to build wealth.

So, what is a Private Loan? It is a loan made to a real estate investor that is secured by real estate. Private Money Loan Investors are typically given a first or second mortgage that secures their legal interest in the property thus securing their investment. We are not talking about high Loan-To-Value (LTV) ratios the banks and savings and loan institutions make on homes. We typically employ low LTV ratios to our Private Lenders to increase security of the loan. Our standard LTV ratios are usually under 75% of the value of the property securing the loan and frequently as low as 60%. This means additional security on the investment.

For example, if a property is valued at $100,000, our Private Lender would usually not loan more than $75,000 dollars on the property. That's a 75% loan-to-value ratio. This is obviously a much safer approach from that taken by conventional lenders. These banks get into trouble because they make loans at a 90%, 95%, or even 100% loan-to-value ratio leaving them no equity for transfer costs, if they are ever forced into a position where they have to take back the collateral property.

It is in the private money lender's best interest to minimize risk and maximize return and this is why private loans should not be made without a 25%+ safety net.