1. Private Lending
Topic
Secured
Hassle-Free
Superior Yields
Copyright 2009 TC Real Estate Buyers

2. Private Lending
Dale Montgomery
President
TC Real Estate Buyers.

3. WELCOME
 We are so glad that you are able to take a few
minutes to take a look at the opportunity we
have put together for investors like yourself.
 I really want you to understand what we have
to offer.
 I encourage you to take notes and write your
questions down.
 Our contact info will be at the end of this
presentation.
This is not a public offering or offer or invitation to sell
securities or make an investment. Securities are offered or sold by
registration or exempt offering only.

4. Agenda
 What is Private Mortgage Lending?
 What’s in it for you.?
– How you benefit.
– These are examples, subject to change.

5. How Does Your Bank Make Money
Today?
 They take in money on CDs, Saving
accounts, ect. (From People Like Yourself)
 They then loan the money out at a
superior rate of interest to other
people to buy houses. (Me)
I am cutting out the
middleman.

6. Private Lender Program
Overview
 We buy & sell houses.
 To buy houses, we prefer to borrow
money from private individuals.
 We pay you up to 8% to use your
money.
 It is really a very simple plan.

7. Private Lender Program
How it Works
 1) We locate opportunities where we can
create a win win scenario.
 2) We borrow from you to purchase the
property.
 3) We close on the property and you get a
mortgage with other important
documents that secures your financial
position.
Availability of cash allows us to buy at a steep discount.

8. How it works
Documents Purchase House
Private
Lender Securing
Loan
8% or
Greater
Rent
Return on Payment Tenant
Your or Buyer Or
Investment Complete Rehab &
Let’s Do It Again! Payoff Flip

9. Private Lender Program
Payments
1) You will receive monthly payments on the
rent to own properties. The Rehabs, you
will have a choice of monthly payments…
Or
2) The interest accrues until the house is sold
and you get one check for principal and
interest.

10. Early Withdrawal of Your
$100,000 CD
Yield 12-Month Return
2% $2,000
8% $8,000
A bank’s 6-month penalty is only
$1,778 on this CD.
You still would make $4,222 more
even with the penalty.
There is NO withdrawal penalty with us

11. Private Lender Program
$100,000 Loan Sample
 $100,000 x 8% = $667.00 per month.
 That’s $8,000 per year.
 A bank CD @ 2% pays $2000 per year.
That’s a difference of $6000
per year!!!

12. How Can We Buy Houses So Far
Below Market Value?
 Our specialty is distressed properties that
usually need renovated.
 We know where to look, what to buy,
what not to buy and how to renovate.
 We create value by taking ugly, vacant
homes that are eye sores and putting
them back in use after renovation.

13. Documents Securing Your Loan
 Promissory Note
 Mortgage- (Lien on Property)
 Hazard Insurance Policy (You as
Loss Payee)
 UCC-1 Filing
 Title Insurance
 Appraisal
Lenders have no expense!

14. Your BIGGEST Concern
Protection of Principal
 #1 Rule: Money borrowed is no higher
than 70.00% loan-to-value after
renovated.
You receive Additional Security because we don’t
over-leverage the property.

15. There Is Always Plenty of
Equity Above Your Loan.
$100,000 After-
Repaired Value
$70,000 Max Loan
70.00% Loan-to-
Value

16. Take Control Of Your Future
Are You:
 Retired
 Laid Off
Have You:
 Quit Your job
 Or Just want a Better Return

17. 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 we do the
work.

18. You’re In Control
We Do the Paperwork
1. Open account with IRA:
(Called Custodian)
2. Rollover funds to End Trust:
From your current custodian
3. Self direct funds to closing
4. You earn 6 to 8% and sometimes more
5. When house sells (Closes), funds are sent
directly back to your custodian.
6. You decide if you do it again!

19. Whole Life Insurance Policies?
 Borrow your cash value, which is
earning low rates of return
 Loan back out to TC Real Estate
Buyers, to buy houses.
 You earn 8%

20. People Who Sell us Houses
 Banks
 Private Individuals
 Realtors

21. People Who Rent
Then Buy Our Houses
 Achieve the American Dream of
homeownership
 Many could not buy without our
special programs and willingness to go
the extra mile

22. What Happens to My Loan if
Dale Dies
•Business is structured to sell the
properties and pay you off. Your
loan is still secured by the property.
• The property will be sold and your
principal and interest will be paid as
agreed.

23. Agenda
 Private Lender Program
 Company Overview
– History
– Dream Team

24. Company Story
 Dale Montgomery has been working in real estate as
an agent, buyer, seller, broker and investor for 21+
years. in the past 10 years he has flown around the
country learning from some of the best real estate
minds in the industry. He has studied real estate
options, land trusts, entity structuring for maximum
asset protection, creative financing and much more...
 Our goal is to grow the company by providing
affordable housing to tenants and 1st time
homeowners.
 In time, its scope will encompass all of the Twin Cities,
Commercial and Residential.

25. Company Story Continued
 The company is a private for-profit
real estate investing company.
 We acquire, re-hab, lease or flip
residential and commercial real
estate.

26. Integrity
 That word has a lot of meaning for us.
 Because you can’t have long term
success without it. Most people don’t
realize this fact or know the true
meaning of the word.

27. Competitive Advantage
 Our competitive advantage is ability
to find opportunities. Speed in which
we lock them up.. and knowledge of
creative real estate techniques.

28.  Finds opportunities.
 Creates a Win Win Scenario
 Secures financing
 Sets exit strategy

29. How To Find Us
 Office Location: 7029 20th Ave S. ,
Centerville, MN 55038.
 Mailing Address: 7029 20th Ave S. ,
Centerville, MN 55038.
 Web Site: tcrealestatebuyers.com
 E-Mail: dale@tcrealestatebuyers.com

30. Our Website
Insert Screen Shot of Your Website
Here.

31. Houses Purchased
Here’s just a couple of properties we
Put through our system.

32. Critical Success Factors
 What makes our company unique.
Our Mission Statement! “A
consistent Win Win outcome for all
parties to the transaction”.
 What makes our company successful;
Teamwork, Drive, Focus, & Hard Work.
A shared vision.

33. The Next Step ?
 By now you know how this program
works and how you can safely earn 6
to 8% and sometimes more…
Starting Today!
 You have three options:
We hope you decide to join our team

34. 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 – Call us to set up a one-on-
one meeting to discuss more details.
3) Option Three - Fill out the attached
form, email it to us and we will contact
you.

35. Our Contact Info
TC Real Estate Buyers
7029 20th Ave S
Centerville, MN 55038
info@tcRealEstateBuyers.com
www.tcRealEstateBuyer.com
Dale Montgomery
651-248-8042