ocg private lender program

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Mathew Owens, CPA p. 310. 897.1355 f. 310. 347.4415 e. [email protected] BECOME A PRIVATE LENDER – MAKE 11% - 25% ON YOUR MONEY This real estate market has created amazing opportunities for explosive returns. Now is the time to invest! At Owens Consulting, we can show you how to utilize your cash, retirement vehicles and resources to obtain 11% - 25% returns with low risk, through strategically placed investment opportunities without having to deal with Tenants, Trash and Toilets! No more than No more than 70% of the Fair 70% of the Fair Market Value Market Value Fully renovated Fully renovated properties properties Monthly, Monthly, quarterly, quarterly, semiannual semiannual payments payments available available Six months of Six months of pre pre-paid interest paid interest Monthly payment Monthly payment is covered by the is covered by the rent on the rent on the property property 1 1 – 5 year terms 5 year terms available available PRIVATE FINANCING SPECIFICS LOW RISK INVESTMENT Call to Schedule a Consultation Today! Every loan is secured by a trust deed on the property. Trust Deed Real estate values will never go to zero like stocks and other investments can. Sustained Value The loan is secured at no more than 65% - 70% of the market value in markets that have not declined more than two quarters in the last 20 years. Loan To Value The lender is included as a loss payee on the insurance policy. Insurance The lender does not have the risks of ownership but has the control over the asset. Control As a private lender you have the ability to be flexible and obtain a higher return on investment through profit split arrangements. Flexibility LOW RISK INVESTMENT www.owenscg.com Why can we pay you those rates? Its not the cost of the money but the speed and availability of the funds that is important. Borrowers have the advantages of loans that can be rapidly processed. Borrowers do not have to deal with the banks and waste valuable time and resources. Private investors have flexibility to take profit splits in the property, obtain a set interest rate or both.

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Our Private Lending Program is available to all investors wanting a safe and secure investment option with an annual return on investment of 8% - 15%. This option is a first trust deed investment secured by real estate at no more than 65% of the market value. The lender is placed as the loss payee on the insurance policy for additional protection. Typical terms are 2 years with the avilability of a 3 to 5 year term as well.

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Page 1: OCG Private Lender Program

Mathew Owens, CPAp. 310. 897.1355f. 310. 347.4415e. [email protected]

BECOME A PRIVATE LENDER – MAKE 11% - 25% ON YOUR MONEY

This real estate market has created amazing opportunities for explosive returns. Now is the time to invest! At OwensConsulting, we can show you how to utilize your cash, retirement vehicles and resources to obtain 11% - 25% returns with lowrisk, through strategically placed investment opportunities without having to deal with Tenants, Trash and Toilets!

No more than No more than 70% of the Fair 70% of the Fair Market ValueMarket Value

Fully renovated Fully renovated propertiesproperties

Monthly, Monthly, quarterly, quarterly,

semiannual semiannual payments payments availableavailable

Six months of Six months of prepre--paid interestpaid interest

Monthly payment Monthly payment is covered by the is covered by the

rent on the rent on the propertyproperty

1 1 –– 5 year terms 5 year terms availableavailable

PRIVATE FINANCING SPECIFICS

LOW RISK INVESTMENT

Call to Schedule a Consultation Today!

• Every loan is secured by a trust deed on the property.Trust Deed

• Real estate values will never go to zero like stocks and other investments can.Sustained Value

• The loan is secured at no more than 65% - 70% of the market value in markets that have not declined more

than two quarters in the last 20 years.Loan To Value

• The lender is included as a loss payee on the insurance policy.Insurance

• The lender does not have the risks of ownership but has the control over the asset.Control

• As a private lender you have the ability to be flexible and obtain a higher return on investment through profit split arrangements.

Flexibility

LOW RISK INVESTMENT

www.owenscg.com

Why can we pay you those rates?

Its not the cost of the money but the speed and availability of the funds that is important.

Borrowers have the advantages of loans that can be rapidly processed.

Borrowers do not have to deal with the banks and waste valuable time and resources.

Private investors have flexibility to take profit splits in the property, obtain a set interest rate or both.

Page 2: OCG Private Lender Program

Proof of Funds to

OCG

PROCESS

Example Property OverviewComplete Documentation Provided(1) Renovation bid(2) Comparables for property(3) Before & After Pictures(4) Deed of Trust and Promissory Note(5) Closing Documents(6) Appraisals if desired(7) Insurance policy documentation

Memphis Overview

Memphis is the country’s 18th largest city and part of the 41st largest Metropolitan Statistical Area (MSA) with nearly 1.3 million residents. Memphis boasts a diverse and growing economy with its primary industries in distribution, manufacturing, agribusiness and healthcare. It’s known as “America’s Distribution Center” due to its central location and the presence of FedEx World Headquarters. Memphis has a growing bioresearch hub and is home to four Fortune 500 companies with the population projected to grow by 12% by 2020.

OPTIONS

Estimated Rents

Estimated Mkt Value

$800

$80,000

Address

Area

Square Feet

Bed / Bath

Year Built

1603 Waverly, Memphis, TN

Downtown/Mid-town

1,755

5 / 2

1922

PROPERTY DETAILS

Purchase Price (25% MV)

Rehab Amount

Rehab Buffer (15%)

$19,750

$15,000

$2,250

COST ANALYSIS

Preferred Interest Rate (Pre-paid 6 months)

Loan Fee (3.8%)

25% Profit Split when sold (Sold at 80% of MV)

Return on Investment

* Sold at 80% of market value less 8% selling costs within 1 year. Estimated $80,000 market value property and 65% loan for return

examples. If sold in 6 months return is estimated at 25.23%

6.00%

$2,000

$3,000

15.61%

Return Details – Option 1 (Profit Split)

Return Details – Option 2 (Loan Scenario)

Preferred Interest Rate (Pre-paid 6 months)

Loan Fee (3.8%)

Return on Investment

8.00%

$2,000

11.85%

Commitment

Agreement to OCG

Commitment

Deposit to OCG

Property Analysis

Submit Offer &

Earnest Money

Rehab Bid

Submit property

package to lender

Close Escrow

Renovate & tenant

property

Collect Cash flows!

Memphis Real Estate Market

Memphis has one of the highest monthly rent to price ratios in the nationLittle or no depreciation riskHealthy ratio of median income to median home pricePMI risk index ranks Memphis as the 7th least likely metropolitan area to depreciate in the next two yearsA recent study by Moody’s Economy.com ranked Memphis as the 6th most undervalued city in the U.S.Predicted home price appreciation of 5% in 2009Over the past 20 years, Memphis has had only two quarters in which home prices declined.

Repairs After Move in

Commissions

Purchase Closing Costs

Deal Syndication Fee

TOTAL LOAN

$1,000

$3,000

$1,500

$6,000

$52,000

Rehab Buffer (15%)

Rehab Management

Sec 8 Inspection Repairs

$2,250

$2,500

$1,000

LOAN TO VALUE 65.00%