Private Lending Opportunities

Dear Investor, When we pay cash for a house, we usually include private lenders instead of using our own funds or bank loans. Since we get a very high return on our own cash, we can offer our private lenders a high yield when we use their money to fund our new deals. Maximum loan to value is 85%. That means we will borrow up to $85,000 on a $100,000 property. The money we borrow is secured by a 1st note and deed of trust (mortgage). Our investor gets 6.00% - 9.00% interest. Monthly payments include principal and interest, or interest only, depending on your desires. Interest only payments keep 100% of your principal working for you. Most loans have a balloon payment due in 1 to 10 years. The term is decided by you. Sometimes we borrow offering a 2nd deed of trust. For example, if there is a first mortgage for $50,000, then we can offer our investor a second mortgage of (up to) $35,000. In the case of a second position, we pay 9.00% - 11.00%. All private lenders get: A Promissory Note A Deed of Trust recorded against the property Added on to the hazard insurance as the mortgagee A copy of any appraisals or market analysis reports Lender's title insurance We pay all costs involved to close the transaction. There is no cost to you as the investor. Before you invest, we would first discuss how much of your capital you are looking to commit and for how long. We would then look for a deal that will meet your criteria. Once I locate the right property, I call you, give you all the details and then you decide whether to participate or not. There's never any obligation until after you approve the deal. We never co-mingle or pool funds together. One investor... one note and one deed of trust. When you decide on a deal, you'll send your funds directly to the closing agent at the title company when we're ready to close. We never accept your funds directly. For some investors, we can offer to sell existing notes secured by real estate at a discount to yield 11-15%. These types of deals are less common but opportunities to buy discounted notes occur now and then. Discounted notes would require further explanation regarding risks. All the houses used as collateral will be located in Minnesota. We occasionally have deals in other locations if that is your preference and suits your needs. Note: Deals from other states currently require you to live in that state. Most of my private lenders currently include many family members, seasoned business contacts, and previous sellers I bought property from. Only recently have I opened this to others visiting our website. If you have funds in a retirement account (IRA), you can use them to invest. The IRS requires the use of an approved custodian to qualify for tax-deferred or tax-free gains. I will be glad to discuss with you further how we do this. To learn more, or to be added to our private investor list, please call Byron at 507-319-5788 Your questions are always welcome. Sincerely,   Byron T Watts

HERE'S MORE INFORMATION... Do you have bank CD's, retirement accounts or other investments not returning 6% to 11% safely? How to get over 400% higher returns on your idle cash or retirement funds Dear Fellow Investor, Many people, just like you are frustrated by low returns on your investment dollars. In response to that problem, we've created a solid program that can replace some of the low returns that you're now receiving, and pay you a passive, predictable 9% to 11% interest from real estate notes. I'm Byron T Watts, a professional real estate investor with many successful transactions completed since 2006. I am not a financial planner, but a full-time buyer of single family investment properties throughout Southeast Minnesota and across the United States. I'd like to show you how you can invest your dollars in well-secured, extremely safe, low loan-to-value notes and deeds of trust. I offer my investors 6.00% - 9.00% on a first lien and 9.00 - 11.00% on a second lien. We borrow from you to do our real estate deals and payments comely direct from us. It's a hands-free, hassle free opportunity to enjoy very attractive returns. You get monthly income or you can have your profits compound monthly for exponential growth. Let's look at an example investing $10,000 for 36 months with compounded interest... A bank CD paying 2% will grow to $10,618 in 36 months for a gain of $618. A real estate note paying 11% will grow to $13,889 after 36 months for a gain of $3,889! That's a 629% greater return. Would you like to have some of your idle cash or retirement funds working like that for you? Call Byron at 507-319-5788 and we will get you more information or we can set up meet by phone or in person. . Sincerely, Byron T Watts 507-319-5788 Direct 248-598-0004 Fax