Credit Partner Investing

CREDIT PARTNER INVESTING

NameCompany Date

Credit Partner Investing

• Safe

•Headache-Free

• Significant Yields

Presentation

•What is Credit Partner Investing?

•How can you benefit?

Ordinary Individual’s Income: Employee

• Job; income derives from labor

•Need more money?

• Taxes: earn income, pay taxes, then pays bills

•Retirement.

Investors’ Income

• Acquire assets

• Assets produce income

•Need more money?

• Taxes

•Retirement

Assets = Wealthy Retirement

• Over time, assets appreciate in value and income from assets increase accordingly

• Rents increase, but mortgage payment remains the same

• Result: in 30 years, tenants pay off mortgage and investor owns the property free and clear of any mortgage payments and rents are increased over time

10 Unit Apartment Building Purchased 30 years ago

• Purchase price: $50,000• Down payment: $10,000• Mortgage amount: $40,000• Monthly payments: $ 240• Monthly taxes: $ 53• Monthly insurance: $ 40• Monthly maintenance: $ 200• Monthly vacancy: $ 100 (10%)• Monthly rent: $ 1,000

Summary of 10 Unit Apartment Building

• Monthly income: $1,000• Monthly expenses: $ 633• Monthly cash flow: $ 367• Yearly income: $4,404• Depreciation deduction: $1,819• Other deduction: $1,000• Tax basis: $1,585

10 Unit Apartment Building Today

• Value: $ 1,766,267• Monthly income: $ 15,000• Mortgage amt: $ 0• Monthly taxes: $ 53• Insurance: $ 200• Monthly vacancy: $ 1,500• Monthly cash flow: $ 13,247• Yearly Income: $ 158,964

10 Building 30 Years Ago

• Value of buildings: $17,662,670

•Monthly cash flow: $ 132,470

• Yearly income: $ 1,589,640

Why Are Most People Employees And Not Investors?

• Not taught in traditional education• Investment education is not known by the masses• Student loans are not available for investment

education• Difficult without capital• Lack of experience• Too risky

Let me show you how to become a “mini bank.”

How Do Banks Earn Money?

• Borrow money from depositors, federal reserve and other banks

• Loan money to others at a higher rate

Become A Credit Partner Investor Without Having:

• Expert knowledge

• Experience

•Capital

•High risk

Borrow from banks at a low interest rate and loan it to us at a higher rate.

Credit Partner Investing Program Overview

•We buy properties•Credit partners finance the purchases-

unsecured business credit lines•Credit partners profit share-<<%>>•Credit partners receive mortgage• It is simple and hassle free

Business Credit Lines vs. Personal Credit Lines

• Factors lowering your credit score

•Reported on personal credit report

Availability of cash allows us to buy at a discount.

Credit Partner Investing: How it Works

• I locate a property to purchase• I borrow from the credit lines to purchase the property• I use a third party escrow company to handle all funds

as well as to record all closing documents• I issue you a mortgage on the property• When the property is re-sold, the funds (the money you

borrowed and your share of the profit) are sent directly back to you

• You decide if you want to repeat the process!

How It Works

PurchaseProperty

PurchaseProperty

DocumentsSecuring

Loans

DocumentsSecuring

LoansBanksBanks

Credit InvestorPartner

Credit InvestorPartner

Renteror BuyerRenter

or BuyerMonthly PaymentMonthly Payment

CreditInvestorPartner

CreditInvestorPartner

SELL PROPERTY

Credit Investor PartnerNameCompany

BanksBanks

Credit Partner Program Payments

• I make monthly payments equivalent to the payments that are due on the credit lines.

How Can We Purchase Properties Below Market Value?

• I buy distressed properties that usually need cosmetic repair

• I have an effective marketing plan that connects us with distressed properties and motivated sellers

• I save money on renovations

• I create value by turning unattractive properties into gems

You have no expense!

Securing Documents

• Promissory Note

•Mortgage or Trust Deed

•Hazard Insurance Policy

• Title Insurance

• Appraisal

Your GREATEST Concern: Protection of Borrowed Money

• I do not over leverage the property.

• I never borrow more than <<LTV>>% loan-to-value after renovated.

65% Loan-to-Value

$100,000 After-Repaired Value

$65,000 Max Loan

Plenty of Equity Exists To Secure Your Loan

Property Value: $100,000

What Happens If We Default

• Loan amount: $65,000

• Foreclosure costs: $ 5,000

• Accruing Interest: $ 3,300

• Your profit sharing: $ 8,750

•Opening Bid: $82,050

Control Your Financial Destiny

• Increase your income passively

•Have genuine financial security

• Build your retirement

•Quit your job

• Enjoy your life

You Are In Control: I Process the Paperwork

• I present a package for each purchase• You assess the risk of the investment• You decide if you wish to fund the purchase• You are the only person with the authority to draw

money from the credit lines• The escrow company handles all the money and files

all the paperwork, including the promissory note, mortgage, hazard insurance and lender’s title insurance

We Buy Properties From

• Banks

• Private individuals

•Realtors

Who Buys Our Properties?

•Many of our properties are single family homes and purchased by first-time home buyers

•Many could not qualify to purchase without our experience and creative programs

•Credit Investing Program

•Our Company• History• Key personal

Program

Company Summary

•Our company name is << >>.

•Our company structure is << >>

• I do the property management

• Short-term transactions• -buy and flip• -buy, rent, and sell

Company Goals

• To establish more purchasing power through additional credit partners

•Continue growth by purchasing more properties

•Offering affordable housing to tenants and 1st time homeowners

Competitive Advantage

• Speed: Paying cash allows us to buy properties faster than our competitors

•Knowledge: Using creative real estate techniques allows us to see deals that many of our competitors are unable to see

Contact Me

•Office Location: <<PhsAddr1>> <<PhsAddr2>>, <<PhsCity>>, <<PhsState>> <<PhsZip>>.

•Mailing Address: <<Addr1>> <<Addr2>>, <<City>>, <<State>> <<Zip>>.

•Web Site: <<Website>>

• E-Mail: <<Email>>

My Location

Insert Picture of Your OfficeHere.

My Website

Insert a picture of your home page here

Properties Purchased

Insert Picture of a House or HousesYou Have Purchased.

A shared dream.

Why Am I Successful

•Networking, speed, ambition, expertise, and integrity.

We hope you decide to join my team

Decision

• You have two options:• Option One - Do nothing. You are not interested.

Please refer us someone you believe would be interested

• Option Two – Ask any questions you have and get started