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PRIVATE LENDING
Secured

Hassle-Free

Superior Yields




Note Management Co, LLC
Agenda


•   What Is Private Mortgage Lending?

•   What’s In It For You?
    – How you benefit


•   Examples of Investments

•   Company Overview
What This Program Is Not


•   This private lending program is NOT a get
    rich quick scheme.

•   This program IS a great hands free, hassle
    free way to grow your wealth up to 3x – 4x
    faster than other investment options.

•   Returns are predictable and secure.
How Does Your Bank
Make Money Today?


• They take in money on CD’s (You).

• They then loan that money out at a higher
  rate of interest to other people to buy houses
  (Me).

 I am cutting out the middle man
Private Lender Program
Overview


• We buy & sell houses.
• To buy houses, we leverage our own funds
  with money we borrow from private
  individuals.
• We pay you 12% - 15% to use your money.
• It is really a very simple plan.

Think of it like you would a bank CD.
Private Lender Program
How It Works


  1   We locate a property we want to buy.



  2   We borrow money from you to purchase the property.



  3   We have a formal closing and you get a mortgage
      on the house with other important documents.


  4   Availability of cash allows us to buy at a discount.
How It Works

                Private
                Lender

   Initial
Investment                Documents
     +                     Securing
                          Investment
12% - 15%
 Interest    Continuous
              Growth
 Sell
                          Purchase
House                      House



               Renovate
Private Lender Program
Payoff


       The interest accrues until the house is sold
       and you get one check for the initial principle
       amount and interest.


      Accruing is best for growing your money.


                           Or…



      We can make monthly payments if you need monthly
      income.


      Monthly payments is best for living off a large lump
      sum of money.
Superior Rates


    12%          15%
    Accrued       Accrued
     Simple        Simple
    Interest      Interest



      1st          2nd
   Mortgage      Mortgage

     •9% if       •13% if
    payments     payments
     needed       needed
Early Withdrawal Of Your CD


On a $10,000 Investment.




                                                                            12 Month Return
  15% with us (2nd Mortgage)


  12% with us (1st Mortgage)


  4.0 % Bank CD
                                                                    $1500

      • A bank’s (6) month penalty is only                   35%
      $175 on this CD.                                      $1200

      • You would still make up to $925            $400
      more even with the penalty.


                    There is NO early withdrawal penalty with us
Private Lender Program
      $25,000 Loan Sample

     15% with us (2nd Mortgage)




                                                                         12 Month Return
     12% with us (1st Mortgage)


      4.0 % Bank CD



• Shown with Interest Accruing.                                  $3750

                                                         35%
                                                        $3000

                                                $1000



                That's a difference of up to $2750 (275%) per year!
Private Lender Program
      $25,000 Loan Sample

     13% with us (2nd Mortgage)




                                                                       Monthly Income
     10% with us (1st Mortgage)


     4.0 % Bank CD



• Shown with monthly payments.                                  $271

                                                         35%
                                                        $208

                                                $83



               That's a difference of up to $2250 (225%) per year!
How Can We Buy Houses
So Far Below Market Value?

• My company’s proprietary marketing methods and
  industry contacts find us deals.

• Our specialty is distressed situations / properties
  usually need renovation.

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

• We create value by solving the situational problem
  with creative deal structuring or property problem
  through renovation.
Documents Securing
     Your Investment

                                          Hazard
Promissory                              Insurance
   Note                                   Policy



             Private Lender
                     (You)                  Title
                                         Insurance
 Mortgage




                                          Value
                                        Assessment
             Lenders have NO expense.
Your BIGGEST Concern
Protection Of Principle

1        Rule # 1

       Money Borrowed on a 1st mortgage is no
       higher than 70% Loan To Value (LTV) after
       renovated.



2        Rule # 2

        Money Borrowed on a 2nd mortgage is no
        higher than 85% Loan To Value (LTV) after
        renovated.



    Additional security because we don't over leverage the property.
There Is Always Plenty Of
Equity Above Your Loan


            $50,000 After Repaired Value




             $42,500 Max 2nd Mortgage - 85% LTV
  90%


             $35,000 Max 1st Mortgage - 70% LTV




            $25,000 50% LTV
Investment Examples




We focus our Investments
          on:
Foreclosed Properties
REO Properties
Notes 1st Trust Deed
FSBO
Minimum Time &
Amount Of Investment?


 • Investmentopportunities typically last from 6
 months to 5 years.


 • Theprivate lender will always receive a minimum
 amount of 6 months interest on any investment if a
 house sells faster than that.


 • The minimum investment amount is $5,000
How Is The Simple
Interest Calculated?


 • It's called “Simple” Interest for a reason
 • $25,000 investment
 • 15% return on a 2nd mortgage
 • $25,000 x 0.15 = $3,750
 • You gain $3,750 for every year until the house
 sells.

                   Year 1   Year 2   Year 3     Year 4


      $25,000     $3,750    $7,500   $11,250 $15,000
What If I Need My
Investment Back?


 • We typically match your investment needs with a
 specific house so it does not happen often.


 • However  If a private lender does need their
 investment back we will cash them out with their
 principle and interest payments with no penalty, and
 replace them with another lender.


 • We ask that you provide a 60 day written notice.
What happens To My
Investment If You Die?


• 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.
Where To Find The
Funds To Invest?

                      Retirement
                           or
  Savings
                       Pension
  Or CD’s               Funds
                      IRA, 401(k)



 Whole Life           Relatives
 Insurance      YOU       Or
   Policy              Friends



  HELOC
    Home               Stock
  Equity Line          Market
   Of Credit
Do You Have Money in IRA’s,
401(k),Or Pension Plans?

 • If
    you are retired, have been laid-off, quit your
 job, or have a previous employer…


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




   2      Your returns stay tax deferred or tax free.




   3     It’s simple, easy, and we do the work
You’re In Control
We Do The Paperwork

 1   Open account with Equity Trust Company or Entrust



 2   Rollover funds to your new custodian.



 3   Self direct funds to closing.


 4   You earn 9%-15%


 5   When house sells, funds are sent directly back to the custodian.



 6   You decide if you do it again!
Whole Life Insurance
policies?


 1   Borrow your cash value, which is returning CD rates of return.




 2    Loan back out to Investor to buy houses.




 3   You earn 9% - 15%
HELOC’s? (Home Equity Line Of Credit)
lender makes monthly payments
  Pull out Funds (25k)                          Net $2000 - $3500




                  Borrow                                       You net
HELOC                                    Accrue
  With           only the                                      4% - 7%
                  amount
                                       12% - 15%
available                                                     instead of
  funds         needed (8%)            For 2 years
                                                                 0%!




                       Fund house at closing
                     Make monthly payments on
                         HELOC ($166.67)
                     You operate just like the banks!
Using Friends Or Relatives

   Negotiate an interest rate                           Pay back your source
         Let’s use 7%




Approach a              Borrow                     Accrue                    Make
                                                 10% - 15%               $1500 - $4000
 friend or            the amount                                           on money
  relative           needed (25k)                For 2 years            you didn’t have!




                                    Fund house at closing
                          Receive monthly payments to pay relative or
                                      friend if needed.



                            You operate just like the banks!
Stable, Hands Free
    Alternative to The Stock Market

1       No added stress with the constant market fluctuations.



2       No worrying about stock brokers with ulterior motives.



3       Hassle free, hands free, double-digit return.
Company Overview



Note Management Co LLC is a
Washington Based Limited Liability
Company that is taking advantage of
the historic opportunities provided by
the current real estate market.
      We buy homes from sellers who have challenges in selling.
       We sell homes to buyers who have challenges in buying.
                  Win – Win solution for everyone!
Company Overview

• Note Management Co LLC is a private for-profit real
  estate investing company.

• We acquire, rehab, lease and sell residential
  properties.

• Our goal is to grow the company by providing
  affordable housing to tenants and 1st time home
  owners.

• We currently buy houses mostly throughout
  Washington State, but are also focusing on national
  acquisitions.
Competitive Advantage


• Our competitive advantage is through the
  speed we can research, and purchase a
  property and our knowledge of creative real
  estate techniques.

• We have great inside contacts throughout
  the industry (Banks, Realtors, other
  investors, etc)
The Next Step?


• By now you know how this program works
  and how you can earn a hassle free, hands
  free 9% - 15% starting today!

• You have 2 options…




    We hope you decide to join our team
The Next Step?



1   Do Nothing. This isn’t for you. Can you give us names
    of folks who you feel it would serve?



      Fill out the interest form and leave it with us.
2
      We’ll be in touch


    Once we have a deal that meets your criteria, we call
3
    you, and you can pass or play. There is no obligation!



         We want you to succeed!

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Private money powerpoint

  • 2. Agenda • What Is Private Mortgage Lending? • What’s In It For You? – How you benefit • Examples of Investments • Company Overview
  • 3. What This Program Is Not • This private lending program is NOT a get rich quick scheme. • This program IS a great hands free, hassle free way to grow your wealth up to 3x – 4x faster than other investment options. • Returns are predictable and secure.
  • 4. How Does Your Bank Make Money Today? • They take in money on CD’s (You). • They then loan that money out at a higher rate of interest to other people to buy houses (Me). I am cutting out the middle man
  • 5. Private Lender Program Overview • We buy & sell houses. • To buy houses, we leverage our own funds with money we borrow from private individuals. • We pay you 12% - 15% to use your money. • It is really a very simple plan. Think of it like you would a bank CD.
  • 6. Private Lender Program How It Works 1 We locate a property we want to buy. 2 We borrow money from you to purchase the property. 3 We have a formal closing and you get a mortgage on the house with other important documents. 4 Availability of cash allows us to buy at a discount.
  • 7. How It Works Private Lender Initial Investment Documents + Securing Investment 12% - 15% Interest Continuous Growth Sell Purchase House House Renovate
  • 8. Private Lender Program Payoff The interest accrues until the house is sold and you get one check for the initial principle amount and interest. Accruing is best for growing your money. Or… We can make monthly payments if you need monthly income. Monthly payments is best for living off a large lump sum of money.
  • 9. Superior Rates 12% 15% Accrued Accrued Simple Simple Interest Interest 1st 2nd Mortgage Mortgage •9% if •13% if payments payments needed needed
  • 10. Early Withdrawal Of Your CD On a $10,000 Investment. 12 Month Return 15% with us (2nd Mortgage) 12% with us (1st Mortgage) 4.0 % Bank CD $1500 • A bank’s (6) month penalty is only 35% $175 on this CD. $1200 • You would still make up to $925 $400 more even with the penalty. There is NO early withdrawal penalty with us
  • 11. Private Lender Program $25,000 Loan Sample 15% with us (2nd Mortgage) 12 Month Return 12% with us (1st Mortgage) 4.0 % Bank CD • Shown with Interest Accruing. $3750 35% $3000 $1000 That's a difference of up to $2750 (275%) per year!
  • 12. Private Lender Program $25,000 Loan Sample 13% with us (2nd Mortgage) Monthly Income 10% with us (1st Mortgage) 4.0 % Bank CD • Shown with monthly payments. $271 35% $208 $83 That's a difference of up to $2250 (225%) per year!
  • 13. How Can We Buy Houses So Far Below Market Value? • My company’s proprietary marketing methods and industry contacts find us deals. • Our specialty is distressed situations / properties usually need renovation. • We know where to look, what to buy, what not to buy and how to renovate. • We create value by solving the situational problem with creative deal structuring or property problem through renovation.
  • 14. Documents Securing Your Investment Hazard Promissory Insurance Note Policy Private Lender (You) Title Insurance Mortgage Value Assessment Lenders have NO expense.
  • 15. Your BIGGEST Concern Protection Of Principle 1 Rule # 1 Money Borrowed on a 1st mortgage is no higher than 70% Loan To Value (LTV) after renovated. 2 Rule # 2 Money Borrowed on a 2nd mortgage is no higher than 85% Loan To Value (LTV) after renovated. Additional security because we don't over leverage the property.
  • 16. There Is Always Plenty Of Equity Above Your Loan $50,000 After Repaired Value $42,500 Max 2nd Mortgage - 85% LTV 90% $35,000 Max 1st Mortgage - 70% LTV $25,000 50% LTV
  • 17. Investment Examples We focus our Investments on: Foreclosed Properties REO Properties Notes 1st Trust Deed FSBO
  • 18. Minimum Time & Amount Of Investment? • Investmentopportunities typically last from 6 months to 5 years. • Theprivate lender will always receive a minimum amount of 6 months interest on any investment if a house sells faster than that. • The minimum investment amount is $5,000
  • 19. How Is The Simple Interest Calculated? • It's called “Simple” Interest for a reason • $25,000 investment • 15% return on a 2nd mortgage • $25,000 x 0.15 = $3,750 • You gain $3,750 for every year until the house sells. Year 1 Year 2 Year 3 Year 4 $25,000 $3,750 $7,500 $11,250 $15,000
  • 20. What If I Need My Investment Back? • We typically match your investment needs with a specific house so it does not happen often. • However If a private lender does need their investment back we will cash them out with their principle and interest payments with no penalty, and replace them with another lender. • We ask that you provide a 60 day written notice.
  • 21. What happens To My Investment If You Die? • 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.
  • 22. Where To Find The Funds To Invest? Retirement or Savings Pension Or CD’s Funds IRA, 401(k) Whole Life Relatives Insurance YOU Or Policy Friends HELOC Home Stock Equity Line Market Of Credit
  • 23. Do You Have Money in IRA’s, 401(k),Or Pension Plans? • If you are retired, have been laid-off, quit your job, or have a previous employer… 1 You can self direct your IRA (Traditional/Roth) or pension plan. 2 Your returns stay tax deferred or tax free. 3 It’s simple, easy, and we do the work
  • 24. You’re In Control We Do The Paperwork 1 Open account with Equity Trust Company or Entrust 2 Rollover funds to your new custodian. 3 Self direct funds to closing. 4 You earn 9%-15% 5 When house sells, funds are sent directly back to the custodian. 6 You decide if you do it again!
  • 25. Whole Life Insurance policies? 1 Borrow your cash value, which is returning CD rates of return. 2 Loan back out to Investor to buy houses. 3 You earn 9% - 15%
  • 26. HELOC’s? (Home Equity Line Of Credit) lender makes monthly payments Pull out Funds (25k) Net $2000 - $3500 Borrow You net HELOC Accrue With only the 4% - 7% amount 12% - 15% available instead of funds needed (8%) For 2 years 0%! Fund house at closing Make monthly payments on HELOC ($166.67) You operate just like the banks!
  • 27. Using Friends Or Relatives Negotiate an interest rate Pay back your source Let’s use 7% Approach a Borrow Accrue Make 10% - 15% $1500 - $4000 friend or the amount on money relative needed (25k) For 2 years you didn’t have! Fund house at closing Receive monthly payments to pay relative or friend if needed. You operate just like the banks!
  • 28. Stable, Hands Free Alternative to The Stock Market 1 No added stress with the constant market fluctuations. 2 No worrying about stock brokers with ulterior motives. 3 Hassle free, hands free, double-digit return.
  • 29. Company Overview Note Management Co LLC is a Washington Based Limited Liability Company that is taking advantage of the historic opportunities provided by the current real estate market. We buy homes from sellers who have challenges in selling. We sell homes to buyers who have challenges in buying. Win – Win solution for everyone!
  • 30. Company Overview • Note Management Co LLC is a private for-profit real estate investing company. • We acquire, rehab, lease and sell residential properties. • Our goal is to grow the company by providing affordable housing to tenants and 1st time home owners. • We currently buy houses mostly throughout Washington State, but are also focusing on national acquisitions.
  • 31. Competitive Advantage • Our competitive advantage is through the speed we can research, and purchase a property and our knowledge of creative real estate techniques. • We have great inside contacts throughout the industry (Banks, Realtors, other investors, etc)
  • 32. The Next Step? • By now you know how this program works and how you can earn a hassle free, hands free 9% - 15% starting today! • You have 2 options… We hope you decide to join our team
  • 33. The Next Step? 1 Do Nothing. This isn’t for you. Can you give us names of folks who you feel it would serve? Fill out the interest form and leave it with us. 2 We’ll be in touch Once we have a deal that meets your criteria, we call 3 you, and you can pass or play. There is no obligation! We want you to succeed!