SP private lender pitch 05.27

© 2016 by ACS Realty Group, LLC

ACS Realty Group, LLCPrivate Lending Program

Chris [email protected]

May 25, 2016

mailto:[email protected]

© ACS Realty Group LLC 2016

The American Dream is Still Alive, Yet More Challenging Than Ever to Attain

A material % of aspiring homeowners can’t qualify for conventional mortgage financing, despite having down payments and the proven capacity to pay rent/mortgage.

Meanwhile….Many investors are uncomfortable with stock market risk, and bank CD rates fall far short of keeping up with inflation.


The Solution: Seller Finance

1. Private lenders can fund acquisitions safely and securely with no volatility of returns.

2. Deal sponsor (me) can buy homes that may not meet criteria for a successful wholesale or rehab.

3. Turns renters with sufficient down payments and income into owners, improving communities and the local economy.


Case Study: 3513 Scranton Dr, Richland Hills, TX

• Buy and sell transactions were back-to-back on same day!– No repairs– No holding time/costs– I didn’t have to pay for insurance, property taxes, or title insurance.

• Funded by my Roth self-directed IRA, so all cash flows are tax-free!


Who is a Private Lender?• An individual who loans money from

his or her investment capital or retirement account(s)

• Not a Partner• One-on-One Transaction


Why Would You Be Interested?

• Earn up to 16 times more than with traditional sources

• No volatility! Your principal is stable, and you earn a reliable and certain return

• You can get your principal back in case of emergency

• Your money is safe and secure

$$$ $$$


How to Fund Your Investment• Certificates of Deposit• Money Market Accounts• Checking & Savings Accounts• Investment Capital• IRA and Retirement

Accounts• Old 401K accounts• Home Equity Lines• Brokerage Accounts


How to LeverageYour Retirement Account(s)

• Open a self-directed IRA at Quest IRA, Equity Trust, or similar custodian– I use and recommend Quest IRA– Complete a “Direction of Investment”

• Open a Solo 401K Plan if you have a business w/ no full-time W2 employees (beyond your spouse)– Provides checkbook control


How to Use Your Home Equity to Generate High Rates of Return

• Be like a bank and “pocket the spread” (the difference between the rate you earn less the rate you pay)

How to use your stock w/o selling

• Borrow on margin if the rate is low enough and “Pocket the Spread”


Summary of Terms


The Private Lender’s Documents

1. Appraisal or CMA2. Promissory Note3. Deed of Trust

(aka mortgage)4. Insurance policy5. Title insurance policy

(title company/real estate attorney prepares all paperwork)


Where Does the Private Lender Send Funds?

• To the title company’s trust Account

• The private lender NEVER transfers funds directly to the real estate investor


Am I Concerned About Market Conditions and Not Being Able to

Sell a House?

• No! Because…– I buy at deep discounts–My buyers are shopping

comparable rents, not price–You are well-secured by a low loan-

to-value ratio (I could drop the price significantly and you would still get all your money)


How Do We Move Forward?1. Tell me how much you want to

invest2. I’ll find us a deal3. I’ll arrange documentation and

closing with title company


Questions?

Contact Chris Soignier @[email protected] or

817.480.9514

More information @https://soundcloud.com/chris-soignier-341305634/1-audio-track

mailto:[email protected]

https://soundcloud.com/chris-soignier-341305634/1-audio-track

https://soundcloud.com/chris-soignier-341305634/1-audio-track