Build Wealth Today

With Double Digit Returns,

No Commissions & Predictable Results

Investment Marketplace

What Are Your Investment Objectives?

• Security – CDs– Corporate Bonds– Government Bonds – Fixed Annuities

• Higher returns – Stocks – Mutual Funds– Variable Annuities

Bank Of America: CD Rates:

Annuity Rates:

Bond Rates:

S&P 500: Last 5 Years:

Dow Jones Last 5 Years:

S&P 500: Last 10 Years:

Dow Jones Last 10 Years:

Precious Metals July 2011 – July 2012

$500,000 investment • American Funds = Small Cap World • Exp ratio = %1.09 • @ 10% = $50,000 Profit / ROI• @ 8.91% = $44,550 Profit / ROI • “A” Share Commission • $500,000 = 2% (breakpoint) = $10,000• $500,000 - $10,000 = $490,000 - $5341 (%1.09 exp ratio) = $484,659

left (zero ROI)

• $15,341 dollars in FEES for American Funds • $1,500 dollars in FEES for Equity Trust

Share Classes • Class “A” Shares – up front commission • Class “B” Shares – back end commission &

higher expense ratio • Class “C” Shares – small annual commission &

highest expense ratio

“LOAD” / “NO LOAD” • Load = Commission

• No Load Fund = No Commissions

• Paying a money manager – charge a money management fee – Sell no load funds BUT charge 1% money

management fee + 1% expense ratio

Variable Annuities • Act Very Similar A Mutual Fund • BUT • Access To 40 Funds Within The Annuity • Transfer From Fund To Fund With No Expense • 3% Commission Up Front • AND • 2% Exp Ratio Per Year Every Year

Our Mission Statement

To Provide Our Investors Double Digit Investment Returns By Matching Our

Knowledge And Acquisition Of Undervalued Real Estate Assets With

Investors Looking For Investment Alternatives And Double Digit Returns.

Company Overview

Millennium Capital Investments

A real estate investment firm created to purchase, manage and sell single, multi-family and commercial dwellings primarily in the Cleveland, Ohio area.

One and Only Goal

To Significantly Increase The Wealth Of Our Private Investors With

Double-digit Returns Plus Upside Bonus Potential .

How We Acquire Properties

• Private Individuals.

• Realtors.

• Pre-Foreclosures.

• Foreclosures & REOs.

Testimonial

“Over the last 6 years, while everyone else lost money, especially in 2008, I’ve been earning 10% EVERY SINGLE YEAR. I’m so glad I got involved with you when I did. It’s meant tens of thousands in interest I would have lost in the market or never earned in CD’s. ”

Cindy HeilmanBrunswick, Ohio

ACTUAL LETTER

Testimonial

“When we looked at our statements we could never tell if we were making money or loosing money. It just went up and down every month with no real progress. Plus our advisor never called us to make adjustments. Now I know we are making real progress towards our financial goals. 10% or more every month! You can’t beat it!”

Mike and Mary TucciaroneBrunswick, Ohio

ACTUAL LETTER

Testimonial

“You were like an answer to our prayers. You always had our personal needs in mind. We felt very comfortable putting our home in your hands. Thank you again for helping us. ”

Your friends,Rev. Willie and Cathi G. Medina, Ohio

ACTUAL LETTER

Fall 2012 Current Projects • 8973 Fairpark, • Canal Fulton • Paid = $45,500• Rehab = $25,500• Total = $71,000• Listed = $159,900• Profit = $88,900

Fall 2012 Current Projects • 193 Heights Drive • Northfield • Paid = $45,000• Rehab = $26,000• Total = $71,000• Listed = $144,900• Profit = $73,900

Fall 2012 Current Projects • 4034 Manchester • Portage Lakes • Paid = $32,000• Rehab = $38,000• Total = $70,000• Listed = $139,900• Profit = $69,900

Fall 2012 Current Projects • 5494 Main St • Akron Ohio 44319• Paid = $52,000• Rehab = $22,000• Total = $74,000• Listed = $149,900• Profit = $75,900

Fall 2012 Current Projects • 3332 Marmore• Parma • Paid = $30,000• Rehab = $4,000• Total = $34,000• Listed = $69,900• Profit = $35,900

Fall 2012 Current Projects • 7493 Ballash • Medina • Paid = $52,000• Rehab = $32,000• Total = $84,000• Listed = $159,900• Profit = $75,900

August 2011, Case Study #17: 4259 Tapper Trail, $24,500 Profit

December 2011, Case Study #21: 2093 Conwill, $31,000 Profit

November 2011, Case Study #19: 1496 Milan, $41,300 Profit

Before and After

Invest in Northeast Ohio • The Cleveland-Akron area is made up of 8 major counties and is the 15th largest consumer market in the U.S. with approximately 2,950,000 residents.

• Nearly 35% of Ohio’s population is within Cleveland-Akron’s area of dominant influence.

• Over $1 Billion in residential and commercial development is planned for greater Cleveland over the next 5 years. “Flats renovation, Euclid Corridor Project, Steel Yard Commons, Downtown condo development, East 4th Street Project.”

IRA Eligible• Individual Retirement Accounts qualify,

including Roth’s.

• Allows you to self-direct your investments.

• 3rd Party Administrator sends money to title agent’s escrow account.

• Title agent sends all money back to 3rd Party Administrator.– Equity Trust Company.– Nation’s foremost self-directed

custodian.– Premier customer service.

Security Mortgage Note

November 2011, Case Study #19: 1496 Milan, $40,000 Profit

Private LenderProgram Overview

• We buy houses.

• We borrow money from private lenders to fund our deals.

• We pay 10% fixed returns ~OR~ 20% of the profit, WHICHEVER IS GREATER.

• We have a formal closing and you get a mortgage on the home at a reasonable L.T.V.

• Title Insurance and hazard insurance protect you.

• Private funds allow us to purchase at a discount.

$50,000 Investment Example

Type Yield12-

MonthReturn

Bank CD 1.5% $750

RE Investor 10.00% $5,000

Annual Increase $4,250

In 5 years, your investment could grow to $75,000!

Investment Documents• Promissory Note for loan

amount.

• Recorded Mortgage at reasonable 65% L.T.V.

• Hazard Insurance Policy, lender named as a loss payee paid for by borrower.

• Title Insurance lender’s policy paid for by borrower.

Actual Investment Example4904 S. Hametown Road

Appraisal Value: $124,900 Loan/Investment: $59,500 Purchase Price: $35,000 Renovation Cost: $24,500 Resale Price: $114,900 Gross Profit: $55,400 minus closing costs Net Profit: $45,000 Interest to Private Lender: $9,000

20% of the profits Return of Investment: 30.5%

Investor: 30.5% Return on Investment;

Principal and Interest returned to Investor in 6

months

Investor Benefits• Investor income:– $59,500 (loan) x 30.5% = $18,147 annually.

– Monthly interest = $1,512.29.

• Investor is “THE BANK”– First lien-holder.

– DUE ON SALE of the asset providing protection of principal.

– No personal or property liability.

– No property management.

Actual Investment Example1496 Milan Road

Appraisal Value: $139,900 Loan/Investment: $80,000 Purchase Price: $46,000 Renovation Cost: $34,000 Resale Price: $129,900 Gross Profit: $49,400 minus closing costs Net Profit: $40,000 Interest to Private Lender: $8,000

20% of the profits Return of Investment: 16%

Investor: 16% Return on Investment;

Principal and Interest returned to Investor in 8

months

BEFORE AFTER

Security

Mortgage Note

Investor Benefits• Investor interest and profits:– $80,000 loan: $8,000 in interest in 8 months = %16 ROI.

– $80,000 (loan) x 16% = $12,800 annually.

– Monthly interest = $1,066.

• Investor is “THE BANK”– First lien-holder.

– DUE ON SALE of the asset providing protection of principal.

– No personal or property liability.

– No property management.

*Current Investment Opportunity*1467 Sunny Acres Copley Ohio

Appraisal Value: $139,900

Loan/Investment: $80,000

Purchase Price: $53,000

Renovation Cost: $27,000

Resale Price: $139,900

Sold for $125,000

Gross Profit: $59,900 minus closing costs

Net Profit: $40,000 Sold May 20th 2012

Interest to Private Lender = 10% fixed OR 20% of profits

20% of the profits = $8,000

Return of Investment: 20%*

Investor: 20% Return on Investment;

Principal and Interest returned to Investor in 6

months

*Bonus*• Millennium Private Lenders receive 12% fixed interest ~OR~

15% of the net profits on the resale whichever is greater.

Rent To Own Homes• Growing demand due to foreclosure crisis & credit crunch.• We help families go from renters to owners. • They can achieve the American dream of homeownership.• They treat the house like it is theirs because of large down

payments.

Actual Investment 20114259 Tapper Road Norton, Ohio Appraisal Value: $119,000

Loan/Investment: $50,500

Purchase Price: $33,500

Renovation Cost: $17,000

Resale Price: $95,000

Tenant: Down Payment = $7,000Monthly PaymentsInvestor: $420Taxes & Insurance: $185Tenant Rent: $800Net Income: $195

3 Step Process 1. Set Up A IRA Acct = Equity Trust 2. Fund The Acct =

1. Rollover = from 401k or 203b 2. Transfer = from another IRA

3. Make An Investment

R.O.I. OFFER • 12% interest • ~OR~• 15% of the profit • Whichever is greater• If they fund an entire deal

Millennium Capital Investments Works Hard So You Can Relax

• Locate potential properties.• Perform property analysis and

due diligence.• Process and evaluate foreclosures

from “Legal News.”• Monitor property’s foreclosure

proceedings at courthouse and through media.

• Address Realtor questions.• Interface with Equity Trust Co.• Provide presentations to

investors.

• Negotiate offers.• Coordinate and oversee inspections.• Coordinate closings.• Research marketplace.• Perform marketplace analysis.• Develop marketing plan.• Coordinate title searches.• Arrange and oversee inspections.• Review settlements for accuracy.• Inspect properties on an on-going

basis to ensure tenants adhere to lease agreement.

• Procure tenants for rentals and lease-purchases.

• Screen tenants for credit worthiness, employment and rental history.

• Create ads and signs for advertising available properties.

• Put out lock boxes and signs.• Obtain constant training through

Real Estate Investment Assoc. of Cleveland and National Real Estate Investing Association.

• Manage database.

• Call lenders weekly.• Interface with insurance company.• Schedule showings.• Hold open houses.• Coordinate and monitor property

renovations.• Negotiate with subcontractors.• Monitor property renovation

budgets.• Negotiate with homeowners.• Prospect for new clients.• Collect monthly rentals.

Millennium Capital Investments Works Hard So You Can Relax

Program Guidelines• Each loan gets a mortgage.• $50,000 and above, you typically get a 1st mortgage.• $10,000 to $50,000, you typically get a 2nd mortgage.• No bundling or combining of funds.

Investor Payments• Quarterly.

~OR~

• Annually.~OR~

• Interest accrues monthly – full payment of principal and interest when property is sold.

You pay no transaction fees or closing costs!

Early CD Withdrawal• A bank’s average penalty on a $50,000 CD is

$750 (6 months interest @ 3%).

• Millennium Capital may pay your withdrawal penalty.

IRA Eligible• Individual Retirement Accounts qualify, including Roth

IRAs.

• Allows you to self-direct your investments in real estate.

• 3rd Party Administrators.

– Equity Trust Company(Elyria, Ohio)

Alternate Investment Opportunities

• Seeking longer term investments.

• Smaller amounts of capital to invest.

• Good potential to grow smaller IRAs.

Passive Investor Profile• Want to increase your R.O.I.

• Want some collateral to protect investment capital.

• Have liquid assets ($50k) available to invest for 2 - 5+ year term.– Savings accounts– CDs– IRA

Investment Alternatives

• Transition to a secured investment.

• Collateral-based.

• Fixed returns.

• Better protection of principal.

What Do Smart Banks Know About Investing? Plenty!

• Banks lend heavily in Real Estate.

• They take in money on CDs (ex. 2%).

• Then loan the money out at a higher rate of interest to other people to buy houses (ex. 5%).

• This is called “Arbitrage.”

You can be the bank.

What Does Arbitrage Mean?The simultaneous purchase and sale of an asset in order to profit

from a difference in the price. It is a trade that profits by exploiting price differences of identical or similar financial

instruments, on different markets or in different forms.

Arbitrage exists as a result of market inefficiencies.

Read more: http://www.investopedia.com/terms/a/arbitrage.asp#ixzz1bjRmwFX4

Building Wealth By Becoming “The Bank”

• Private Lender Program

– No hassles, no fees.

– Fixed double-digit returns plus bonuses.

– You determine your levels of risk.

– Profitability - Safety - Security.

Scenario #1: “Short Term Double-Digit Interest”1. Our company locates a property.

2. Our company purchases the property at 40-50% of its real value.

3. Private individual lends us money via wire transfer to escrow agent.• Investor lends from account they

control.• Money goes to title agent’s escrow

account.

4. The private individual receives documents (note and mortgage) to secure investment at formal closing.

Private LenderQuick-Turn Program Overview

• Private funds allow us to purchase at a discount quickly.

• We have a formal closing with a HUD1 settlement statement.

• Title Insurance to protect all parties.• We then quickly resell the property

using 7 different strategies.• The private lender’s money is

returned to them with interest and/or profits.

Scenario #2: “Long Term Interest”1. Our company locates a property.

2. Our company purchases the property.

3. Private individual lends money via transfer to escrow agent.

4. They receive documents to secure investment at formal closing.

5. Our company finds a tenant-buyer.

6. Our company collects the rent from tenant buyer which covers payment to private lender plus other expenses plus monthly profit.

7. Our company writes a check for interest payment to private lender quarterly or annually.

Program Guidelines

• Each loan is secured by a note.• A mortgage is recorded in

public record to secure the note.

• We typically need $50,000 - $100,000 for quick-turn loans.

Protection of Principal• #1 Rule: Money borrowed

is no higher than 70% loan-to-value; after repair value.

• We then build in more equity by renovating the property.

• Independent appraisals done upon lender’s request.

Because we don’t over-leverage the property, you get additional

security.

We Don’t Break This Rule!

65% Loan-To-Value (ARV) Rule

65% loan to value

100% appraised value

In the Event Something Happens to a Key Owner

• Millennium Capital Investments will continue on in business.

• Single family homes are easier to sell/liquidate.

• Properties can be sold if necessary, and your principal and interest will be paid.

Give Yourself the Gift of Time

Your Quality of Life Is Important

We now enjoy a more relaxed lifestyle.

Thanks, Mom and Dad, for the gift of education.

Peace of mind for us in retirement is priceless.

The Next Step?• We will answer any questions you have.

• Now that you know how you can earn double-digit returns on your investments…

– Sign up today for a private meeting.

• Also, do you know someone else who may want to earn double-digit returns?

Join our team of Private Lenders

Millennium Capital Investments

Private Investing216-233-5448

jcantwell@srecnow.comwww.millenniumcapitalinvestments.net

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