8/19/06 Click to advance Agenda n What is Private Mortgage Lending? n Whats in it for you.? –How you benefit. Turn speakers on There is sound.

8/19/06

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Agenda

What is Private Mortgage Lending?

What’s in it for you.?– How you benefit.

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8/19/06

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How Does Your Bank Make Money Today?

They take in money on CD’s. (You)

They then loan the money out at a higher rate of interest to other people to buy houses. (Me)

I am cutting out the middle man.

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Private Investor ProgramOverview

We buy & sell houses. To buy houses, we prefer to borrow

money from private individuals. We pay you 12% to use your

money. It is really a very simple plan.

Think of it like you would with a bank CD..

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Private Investor ProgramHow it Works

1) We locate a property we want to buy.

2) We borrow from you to purchase the property.

3) We have a formal closing and you get a mortgage on the home with other important documents

Availability of cash allows us to buy at a discount.

How it works

Private Investor

Purchase HouseDocuments Securing investment

Tenant

Buyer

12% Interest Payments

Rent Payment

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Private Investor ProgramPayments

1) The interest accrues until the house is sold and you get (1) check for principle and interest of 12 %.

Or

2) We make quarterly payments of 10% simple interest.

Or

3) We will make monthly payments of 8% if you like a monthly income.

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Our Guarantee

We won’t lower your rate as long as the money is invested on a property.

We guarantee you 12% simple interest. That’s the least you can make , unless you want quarterly or monthly payments.

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Early Withdrawal of Your $10,000 CD

Yield 12 Month Return

3.5% $35012.0% $1,200

A bank’s (6) month penalty is only $175 on this CD.

You still would make $1,025 more even with the penalty.

There is NO withdrawal penalty with us

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Private Investor Program$25,000 Loan Sample

$25,000 x 12% = $3,000 per year. Bank CD @ 3.5% = $875 per year. Bank CD @ 5% = $1,250 per year.

We pay $2,125 more than a 3.5% CD!!!

We pay $1,750 more than a 5% CD!!!

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How Can We Buy Houses So Far Below Market Value?

Our specialty is distressed properties that usually need to be renovated.

We know where to look, what to buy, what not to buy and how to renovate.

We create value by taking ugly, vacant homes that are eye sores and putting them back in use after renovation.

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Documents Securing Your Investment

Promissory Note. Mortgage. Hazard Insurance Policy.

Lenders have no expense

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Your BIGGEST ConcernProtection of Principle

#1 Rule: Money borrowed is no higher than 90% loan-to-value after renovated.

Most times only 70-80%

loan-to-value

Additional security because we don’t over leverage the property.

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90% loan to value

$50,000 After Repaired Value

$45,000 Max Loan

There Is Always Plenty of Equity Above Your Loan.

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Example of taxed and tax free

We can invest your IRA or pension plan.

Now your returns are tax deferred or tax free.

It’s simple, easy and we do the work.

Got IRA Money?

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People Who Sell us Houses

Banks. Private Individuals. Realtors.

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People Who Buy Our Houses

Achieve the American Dream of home ownership.

Many could not buy without our special programs and willingness to go the extra mile.

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What Happens to My Investment if

the company goes out of business?

•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.

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Agenda

Private Investor Program Company Overview

– History– Dream Team

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Company Story

We started investing in real estate in 1974. We formally formed the company RJscore in 2004, and incorporated in 2006, with Richard (Rick) Strobel as president.

Our goal is to grow the company by providing affordable housing to tenants and 1st time homebuyers.

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Company Story Continued

The company is a private for-profit real estate investing company.

It has become a serious real estate investment firm, located in the Northern part of Illinois.

We acquire, rehab, and lease residential and, at times, commercial real estate.

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Integrity

That word has meaning for us. It was chosen as our motto

because it is the way we want to treat our customers, our suppliers and each other.

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Competitive Advantage

Our competitive advantage is speed to purchase a property and knowledge of creative real estate techniques.

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RJscore, Inc.

We are a Corporation. We short-term hold properties. Manage rentals.

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How To Find Us

Office & mailing address:

1708 Lakecliffe Dr., Wheaton, IL 60187 Phone: 630-681-1533

(direct to Rick)

Web Site: RJscore.com. E-Mail: [email protected]

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Houses Purchased

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Critical Success Factors

What makes our company unique.– Integrity, systems, speed &

knowledge. What makes our company

successful.– Teamwork, drive, focus, & hard work.

A shared vision.

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The Next Step?

By now you know how this program works and how you can earn 12% starting today.

You have (3) options:

We hope you decide to join our team

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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 - Fill out the commitment form to set up a one-on-one meeting to discuss more details

3) Option Three - Fill out the commitment form and mail it with a check payable to RJscore, Inc. 1708 Lakecliffe Dr., Wheaton, IL 60187

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Commitment Form

YES! I would like to get started as soon as possible.

Close out from here and fill out the Commitment Form on the next page.