:: Put My Program to Work
Who are we?
We are a group of professional real estate investors and we would like to introduce you to methods that give you greater control over your investments and safely make them grow at two to five times your current rate. Does this sound too good to be true? Well, the truth is, it is not. Many private investors just like you are currently enjoying these rates of return with minimum risk.
Smart investors have been utilizing this investment opportunity for years. In fact, there have been entire companies built around this strategy.
This is a very safe investment that produces a high rate of return while at the same time provides a higher level of security and liquidity. You've seen how unsure and volatile the stock market can be. Do you want your future to be controlled by the events that take place on the other side of the globe? Well, maybe it's time to consider alternatives.
How does the Money Partner program work?
So, what is a Private Loan? It is a loan made to a real estate investor that is secured by real estate. Private Loan Investors are given a first or second mortgage that secures their legal interest in the property and secures their investment. We are not talking about high Loan-To-Value (LTV) ratios that the banks and savings and loan institutions made on homes. We offer very low LTV ratios to our Private Lenders to increase security of the loan. Our standard LTV ratios are under 75% of the value of the property securing the loan and frequently as low as 60% to 68%. This means additional security on the investment.
For example, if a property is valued at $100,000, our Private Lender will never have to 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 the big banks. Those banks got into trouble because they made loans at an 85%, 90%, or even 100% loan-to-value ratio leaving them no equity for transfer costs if they ever had to take back the collateral property.
You, as a lender, will never lend more than 75% LTV. As a lender, it is in your best interest to minimize risk and maximize return and this is why a loan should never be made without a 25% safety net. We don't violate this rule, because your security is at stake.
Commonly Asked Questions
Who borrows at high rates and why?
Investors like us do, because we have learned in our business that it's not the cost of money that
matters, but quick access to the funds so we can capitalize on opportunities. Our company can acquire
good deals in properties because we can act with lightning speed and can close with cash. Private
loans give us this competitive advantage over other investors who take many weeks to go through the
bank approval process in order to purchase properties. Additionally, if a real estate investor locates a
good deal on a property, many times the bank wants to loan on the purchase price, not the value of
the house, thus penalizing the investor for finding a great deal. Having access to money is generally a
deciding factor in investing in real estate, so paying a higher interest rate is irrelevant when compared
with the risk of losing the deal.
What's the minimum investment?
The minimum investment is $100,000 or the purchase price of the house. In some instances we will
work with $50,000 investments for rehab purposes.
Who handles all of the details?
We will. It's our job to get you the proper documentation and protect your interests. All of this costs you
nothing. The borrower pays all the costs. If you make a $100,000 loan, you send a check for $100,000 to
the closing attorney and you get a mortgage for $100,000.
How do I get paid?
We will set up your account. Just sit back and we will send you a quarterly interest only check for
the duration of your investment. If you would like a monthly check, we can do that, too! However,
the majority of our investors prefer to receive a one time, principle plus interest payment after the
completion of a project. For accounting reasons, this is the preferred way for our company, as well.
Is this a long-term investment?
Generally, your investment is tied to a specific project with a timeline ranging from 3 to 12 months. We
have lending programs for short term holds of three to six months. We also have longer term holds of
one year and longer. You can pick a term that suits your strategy. It's your money and it's your choice.
What if I need to liquidate?
If you want out, a 45 day written notice is required, because we will need to replace your funds with
another investor's money. You really shouldn't make mortgage loans if you feel you will liquidate this
shortly, but the option is always available and we have been able to liquidate in as little as two weeks in
some scenarios. Also, unlike with a bank CD, there is no penalty for early withdrawal. Just call us, and we
will handle all of the details.
Is my investment really as safe as it sounds?
Yes! We always follow these common sense guidelines that we've talked about. Your money will grow
two, three, or even four times faster than your current investments and you maintain control. Each
one of our properties that we acquire is put through a rigorous financial evaluation in order to evaluate
the profitability before the property is ever purchased. Remember that making loans is a business and
should be treated like a business. If you set up a simple system and let the professionals implement the
system, your loan portfolio can be hassle free and produce staggering yields.
How do I use my IRA, 401K, or pension plan?
Making real estate loans is a widely accepted use for IRA's and other Retirement Plans. Most people do
not know that you can make private mortgage loans using the funds which are already in your IRA's and
other retirement plans. Think of the power of loaning out funds at high interest rates that are tax free or
tax deferred!
In order for you to use retirement accounts for loans they must first be administered by a third party custodian. One custodian we commonly work with is Equity Trust Company. You can visit them on the web at http://www.trustetc.com/or simply talk to us and we'll help you with the set up of your account. After selecting your custodian, you simply send a transfer form to them and they'll do all of the work for you. Once you've done that you are ready to make private mortgage loans.
From there, you simply notify your custodian about the investment you are looking to make and they send the check for the gross amount of the loan. Even better, we can do all the work for you and you just sign a few documents, sit back, relax and wait for your money to grow tax free or deferred like grass on a spring morning.
What kind of documents should I as the lender receive?
Your closing package should contain the following:
1) A copy of the mortgage. The original will be recorded.
2) An original Promissory Note.
3) A hazard insurance endorsement naming you as mortgagee.
These documents provide you with the security you need and the return which you desire.
I hope we've enlightened you on the incredible power of making private mortgage loans. If it appeals to you, you can get started right now. While most people are complaining about the volatility of the stock market or the low rates they are getting on their CD's and other low paying investments, you could be earning many times that amount!
You work hard for your money.
Isn't it time it returned the favor
and worked hard for you?!
So what's it going to be? Are you going to continue to let other people control your money so you only get a return that barely keeps up with inflation? Or are you going to take control and make sure that when you get ready to retire, you can do what you want without worrying about money?
We will be glad to set up a meeting to discuss your involvement and answer any questions. We would be glad to send you an explanation of our property analysis methods and actual pictures and numbers from already completed projects. We will also be glad to send you testimonials from money partners we have already worked with. Simply call and request it.
If you are retired, here is a great opportunity to squeeze every interest dollar out of your savings that you can. Private lending is an incredible way to build wealth in a way that most people aren't aware exists. You're not one of those people who are uninformed anymore. If you have any more questions, please do not hesitate to call us at 508-444-0249 or contact us via email at info@bartonpropertygroup.com.
Put My Money to Work!
Please note: all inquiries are strictly confidential and we will never share your e-mail or personal information with anyone!
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