Designed a presentation for Peak Properties LLC.

1. Peak Properties, LLC
Consulting Services for the Private Lender
Are You Earning10-15% On Your Investments?

2. Secure
Investment
Hassle Free
Investment
High Yield
Investment
Private Investing
in Quick Turn Real Estate

3.  We are so glad you are here and this
presentation will help us get acquainted.
 I really want you to understand what My
Company has to offer. This is a guide to
show you how to use your Investing funds
including your IRA, 401K, Self Directed
Pension Plan to start earning high yields on
your investments TODAY!!!!
Welcome

4. • Private Lender Program
• Company Overview
− History
− Dream Team
Agenda

5. What is a
Private Lender?
 A person who loans money to a professional real
estate investor for short term loans
 Lender receives very high interest rates for their
loans.
 Lender is secured by a mortgage on the property.
Summary

6. What is this Quick Turn Real Estate all
About?
• Real Estate Investors buy distressed houses
including foreclosures, bank owned houses
and other unwanted houses.
• Investors repair and renovate them and
quickly resell the houses for huge profits.

7. What are the Advantages
to the Lender ?
• Lender receives high double digit return
on investment
• Lender is not responsible for any work or
repairs
• Lender enjoys a passive hands off
investment

8. Why Real Estate Investors
Need Private Lenders
 Not every seller can finance their
property for the investor. So Cash is
Needed
 Real Estate projects are cash
intensive on investors.
 Cash is King in the quick turn real
estate market.

9. Network and Team Members
• Real Estate Agent - Knowledgeable of Market
• Appraiser- Safety Cushion
• Attorney - Understands Distressed Real Estate
• Home Inspector - Safety Cushion
• Insurance Agent- Proper Vacant House Insurance
• Contractor – Licensed and Insured

10. How Private Lenders Greatly Help
Real Estate Investors.
• REI (real estate investors) always will be able
to offer Cash and Quick Closings!
• REI don’t lose deals because of financing
• REI will get these loans with no loan
applications.
• REI will save thousands in fees and points.
Thus giving private lenders huge returns.

11. Why are There More Private Lenders Entering
This Investment Area?
• Many got burned by the ever swinging and
volatile Stock Market
• Most safe, fixed rate investments are very slow
yielding.
• People are just now learning about the safe
huge returns that quick turn real estate can
offer them and how accessible it is all over the
country.

12. Why Private Lending is the Best and Safest
Investment Offering the Highest Returns
• Returns are extremely high (10-15%)
• Investments are short to medium term for
quick liquidity. 4-6 months average time
• Investment is secured-1st lien position on
property
• Private Lending is a hands off investment
• Liability is extremely low

13. Where do Private Lenders
Get Their Investment Funds?
• Savings Account that presently are earning 1-
2%
• Equity in their homes or other properties.
• Funds from stale stocks earning no returns.
• Self Directed Retirement Accounts.
• Self Directed IRA
• Self Directed 401K PLANS
• Self Directed PENSION FUNDS

14. What Documents are Needed to Secure the
Lenders Investment?
• Lenders Agreement with Escrow Agent –
Attorney or Title Company
• Title Insurance Policy
• Homeowners Liability & Fire Insurance Policy
• 1st Mortgage and Note (Deed of Trust)
• Appraisal or CMA of ARV (after repaired
value)

15. How Does Your Bank Make
Money Today?
• They take in money on savings
account and CD’s. (You)
• They then loan the money out at a
higher rate of interest to other
people and businesses.
Private Lenders Can Now….
Become….The Bank!

16. Private Lender Program
Overview
 RE Investors buy & sell houses.
 To buy houses, they prefer to borrow
money from private individuals.
 You receive 10% -15% to use your
money.
 It is really a very simple plan.
Think of it like you would with a bank CD.
-But with 5-10 Times Higher Return!

17. Private Lender Program
How it Works
1) Investors
locate a property
we want to buy.
2) They borrow
from you to
purchase and
repair the
property.
3) They have a
formal closing
and you get a
mortgage on the
home with other
important
documents
4.) When they
sell the house
you get your
principle and
interest back.
Availability of cash allows them to
buy at a huge discount!

18. START:
Investor negotiates a property
for a discount
They send out Lender
Opportunity Package
to request funding for
the deal.
** includes appraisal and
all the deal details **
A lender is selected and provides a Letter Of
Commitment (LOC) to fund the project according to the
contract closing date.
The contract is sent to
the attorney’s office,
title search is ordered,
and they will start
preparing the rest of
the documents.
KEY DOCUMENTS CREATED
FOR YOU AT CLOSING AS A
LENDER:
Promissory Note
Mortgage
Title Insurance Policy
Fire / Hazard Insurance
Flood Search
Termite Report
Property Scan for Underground Tanks
FINISH:
Lender provides certified funds to attorney
All documents are signed
transaction is complete
1
2
3
4
5
How it works
6 House Sells
Lender is paid principle and interest
at closing directly from closing
agent.- Transactions Completed

19. Private Lender Program
How are Payments Made To You?
1) Either they will make monthly payments
a) This can be draining on investor
b) Usually investor will want lower interest
rate
Or…Preferred Method
2) The interest accrues until the house is sold
and you get (1) check for principle and
interest.
3) Many times Lender can receive a full 6 month
payment on early sales!

20. Investor’s Mortgage
 They offer you 10% simple interest. That’s
the least you can make.
 Note For up to a 1 year period
 Average time….6 months
 Variations can apply after term expires
6 Month Minimum Interest Common

21. Private Lender Program
$100,000 Loan Example
 $100,000 x 10% = $10,000 APR.
 A Bank CD @ 1.5% pays $1,500 per
year.
That’s a difference of
$8,500 per year!!!

22. Investors Target Property
• Purchase Price $150,000 (275K
ARV).
• Rehab Cost $40,000.
• Loan: $180,000 X 10% =
$1500/month.
If Six Month Minimum Enforced-
Return= $9,000= 10% APR

23. Documents Securing Your Investment
 Promissory Note.
 Mortgage.
 Hazard Insurance Policy.
 Title Insurance
 Appraisal/CMA
Lenders have NO expense
All costs paid from closing.

24. Your BIGGEST Concern?
Protection of Principle!
• #1 Rule: Money borrowed is no
higher that 65-70% loan-to-value
after being renovated.
• This insures a 30-35% margin for
closing costs and PROFIT!
Don’t Violate the 70% LTV

25. 70% Loan to Value Example
Never Violate This
Rule
$100,000 After
Repaired Value
$70,000 Max Loan

26. 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 commonly used.

27. Equity in Home or Investment Property?
 Use equity draw for loan.
 Usually very small percentage
 Earn difference on money not
being used.

28. People Who Sell Investors Houses
Banks
Foreclosures
Short Sales
Private
Individuals
Probate
Pre-
foreclosures
Distressed
Homeowners
Vacant - out
of state
owners
Realtors
Short
Sale/pre
foreclosures
Handyman
Specials
Divorce/Sick
ness/Death

29. People Who/Why Buy Our Houses
 Achieve the American Dream of
home ownership. First time
buyers.
 Many could not buy without our
special programs and willingness
to go the extra mile / Concessions.
 Move in Condition
 New and Modern

30. How Can Investors Buy Houses So Far
Below Market Value?
• Their specialty is distressed properties
that usually need renovation.
• They know where to look, what to buy,
what not to buy and how to renovate.
• They create value by taking ugly, vacant
homes that are eye sores and putting
them back in saleable retail condition
after renovation.

31. What Happens to My Investment……… if
Investor 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.
•LTV is low enough for any other investor to
buy it and finish the property if you wish.

32. Company Story
• Peak Properties, LLC a serious real estate
investment firm located right in our area.
• Our goal is to continue to provide
affordable housing to mainly 1st time
homeowners.
• We are experts at analyzing, buying,
renovating and selling residential
properties.
• We acquire, rehab, and sell for a quick
profit consisting of an average of 4 to 6
month turn around time.
• We offer consulting and partnerships to
lenders entering this field of investing.

33. Competitive Advantage
• Our competitive advantage is speed
to purchase a property and
knowledge of creative real estate
techniques.
• We never overpay or over leverage
our properties (i.e. 70% LTV)
• Aggressive negotiations.
• Expert Rehab knowledge/cost to
rehab.
• Solid Team to Perform all Related
Tasks.

34. How To Find Us
• Company Name: Peak Properties, LLC
• Mailing Address: 319 Queen Anne
Road Teaneck, NJ 07666
• Phone: 201-836-7300 ext 101
• Web Site:
http://www.peakpropertiesllc.com
• E-Mail:
support@peakpropertiesllc.com

35. Success Factors?
 What makes our company
unique.
− Integrity, systems, speed in
buying and our knowledge of the
market place.
 What make our company
successful.
− Teamwork, drive, focus and hard
work.

36. House Purchased
Before
AfterAfter

37. Before
After
House Purchased - Continued

38. Before
After
House Purchased - Continued

39. More Examples
Purchase
Price:
$135,000
Repairs:
$47,000
Sold:
$263,000
69% LTV

40. More Examples
Purchase
Price:
$96,000
Repairs:
$64,000
Sold:
$259,000
62% LTV

41. More Examples
Purchase
Price:
$185,000
Repairs:
$60,000
Sold:
$350,000
69% LTV

42. Rehab Results: Simple and Nice

43. Rehab Results: Simple and Nice

44. The Next Step?
• By now you know
how this program
works and how
you can earn 10%
starting today.
You have (3)
options:
We hope you
decide to join our
team

45. 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 - Set up a one-on-one
meeting to discuss more details
3) Option Three - Fill out the interest
form and leave with us. We’ll be in
touch.

46. Commitment Form
Name __________
Address __________
City __________
YES! I would like to get more
information and get started.

47. New York Times Review

48. Thank You
Peak Properties, LLC.