1. Agenda
What is Private Mortgage
Lending?
What’s in it for you.?
– How you benefit.
Please hold your questions for (2) reasons:
1) I’ll probably answer it anyway.
2) Some folks are on time restraints.,
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2. How Does Your Bank Make
Money Today?
They take in money on CD’s. (You)
They then loan the money out at a
higher rate of interest to other
people to buy houses. (Me)
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I am cutting out the middle
man.

3. Private Lender Program
Overview
We buy & sell houses.
To buy houses, we prefer to borrow
money from private individuals.
We pay you 15% to use your
money.
It is really a very simple plan.
Think of it like you would with a bank CD..
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4. Private Lender Program
How it Works
1) We locate a property we want to
buy.
2) We borrow from you to purchase
the property.
3) We have a formal closing and
you get a mortgage on the home
with other important documents
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Availability of cash allows us to buy at a
discount.

5. How it works
Private
Lender
15%
Interest
Payments
Documents
Securing
investment
Rent
Payment
Purchase House
Tenant
Buyer

6. Private Lender Program
Payments
1) We make quarterly payments of
15% simple interest.
Or
2) We will make monthly payments if
you like a monthly income.
Or
3) The interest accrues until the
house is sold and you get (1)
check for principle and interest.
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7. Our Guarantee
We won’t lower your rate
as long as the money is
invested on a property.
We guarantee you 15%
simple interest. That’s the
least you can make.
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8. Early Withdrawal of Your CD
Yield
12 Month Return
3.5%
$350
15.0%
$1,500
A bank’s (6) month penalty is only
$175 on this CD.
You still would make $1,325 more
even with the penalty.
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There is NO withdrawal penalty with us

9. Private Lender Program
$25,000 Loan Sample
$25,000 x 15% = $937.50 per quarter.
This is $3,750 per year.
A bank CD @ 3.5% pays $875 per
year.
That’s a difference of $2,875 per
year!!!
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10. 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.
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11. Documents Securing Your
Investment
Promissory Note.
Mortgage.
Hazard Insurance Policy.
Title Insurance
Appraisal
Lenders have no expense
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12. Your BIGGEST Concern
Protection of Principle
#1 Rule: Money borrowed is no
higher that 70% loan-to-value after
renovated.
Additional security because we don’t over leverage
the property.
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13. There Is Always Plenty of
Equity Above Your Loan.
$50,000 After
Repaired Value
$35,000 Max Loan
70% loan to value
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14. Got IRA Money?
 We can invest your IRA or
pension plan.
 Now your returns are tax
deferred or tax free.
It’s simple, easy and we do the
work.
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Example of taxed and tax free

15. People Who Sell us Houses
Banks.
Private Individuals.
Realtors.
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16. People Who Buy Our Houses
Achieve the American Dream of
home ownership.
Many could not buy without our
special programs and willingness to
go the extra mile.
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17. What Happens to My
Investment if Alan 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.
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18. Agenda
Private Lender Program
Company Overview
– History
– Dream Team
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19. Company Story
From meager beginnings in 1995, a wonderful
company called Integrity Home Buyers, Inc.,
was born. It has become a serious real estate
investment firm located in the west central, Ohio
region.
Our goal is to grow the company by providing
affordable housing to tenants and 1st time
homeowners.
In time, its scope will encompass Springfield
and the surrounding area.
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20. Company Story Continued
The company is a private forprofit real estate investing
company.
We acquire, rehab, and lease
residential and, at times,
commercial real estate.
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21. Integrity
That word has meaning for us.
It was chosen because it is the way
we want to treat our customers, our
suppliers and each other.
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22. Competitive Advantage
Our competitive advantage is
speed to purchase a property
and knowledge of creative real
estate techniques.
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23. Integrity Home Buyers, Inc.
We are a Corporation.
Short-term hold properties.
Manage rentals.
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24. How To Find Us
Office Location: 4875 Security Drive
Springfield, Ohio 45503.
Mailing Address: PO Box 741 Urbana,
Ohio 43078.
Web Site: integrityhomebuyers.com.
E-Mail: info@integrityhomebuyers.com
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25. Our Office
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26. Our Website
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27. Properties Listed
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28. Houses Purchased
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29. Critical Success Factors
What makes our company unique.
– Integrity, systems, speed &
knowledge.
What makes our company
successful.
– Teamwork, drive, focus, & hard work.
A shared vision.
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30. The Next Step?
By now you know how this program
works and how you can earn 15%
starting today.
You have (3) options:
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We hope you decide to join our team

31. The Next Step?
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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 before you leave to discuss
more details
3) Option Three - Fill out the interest
form and leave with us. We’ll be in
touch.

32. Commitment Form
Name __________
Address ________
City ___________
YES! I would like to get started as
soon as possible.
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