High Returns and BIG Tax Credits In Georgia
JDB Financial is currently offering investors the opportunity to invest in the new situation comedy “Love That Girl” starring Tatyana Ali and produced by Martin Lawrence for the cable network TV1.[1] One episode costs $450,000.00 to produce. TV1 has committed to putting up half of the funds and the investor would be needed for the other half of the budget. The investor(s) would be required to invest the amount to produce 26 episodes ($5,850,000.00) + 5% and place the funds in his/her escrow account to be drawn down on a per episode basis. We are offering the investor(s) a return of 20%, disbursed quarterly. Because this film with be filmed in Georgia the investor(s) will be eligible for a 30% tax credit from the state of Georgia. High returns and strong tax credits, what more can you ask for in an investment! Enjoy the perks of this high profile investment, “hang out” on the set with the stars, weekly VIP parties, and your name or company name on the credits of each episode and a possible cameo appearance on the show (no guarantees)
Contact James for more details
[1] All contracts with TV1 will be delivered upon request from a serious investor.
Using Your 401k/IRA To Invest in Real Estate
Private Money lending is characterized by making a loan to a borrower who executes a promissory note and deed of trust (also known as a trust deed or mortgage) encumbering the borrower’s real property. The promissory note is the borrower’s promise to repay the loan. The trust deed is a security instrument recorded with a county recorder’s office creating a lien on the borrower’s real estate.
A trust deed investment occurs when an investor or mortgage pool purchases either 100% or an undivided portion of the note and trust deed. A trust deed investment is considered to be a fixed income security. JDB Financial raises capital to fund trust deed loans from private sources including, but not limited to, individuals, pension funds, IRAs, and institutional sources. Trust deeds are recorded in first different position. The date and time of recording establishes the lien priority of the trust deed on the title of the property in the public records.
Over the last few years, stocks have cratered. Despite their recent rebound, millions of retired and almost-retired have been forced to extend their working years just to maintain a minimum standard of living. But one asset has skyrocketed in value during that period — real estate. Painful memories of the bear market and continued frustration over low interest rates have a lot of investors looking beyond stocks, bonds and mutual funds for their retirement savings. A small but growing number have discovered they can use the money in their IRAs to in real estate and trust deeds. With a self-directed IRA or real estate IRA you can invest your retirement funds when, where, and how you want. Create your financial future with the freedom to make choices with your retirement plans. Self directed IRAs and real estate IRAs give you the unique ability to choose from a variety of investment options such as trust deed investing /private money lending. By diversifying your investments, you may protect and enhance your retirement. With the rollover option, your benefits are tax-exempt. And you will continue to grow these assets. Your retirement fund grows faster since it is not taxable and you are not required to report your yearly investment income or capital gains. If you want control of your retirement savings, a rollover takes the control from an employer plan and gives you the ability to make the decisions about your money. You decide when to take distributions, and how much to take. You might opt for a tax-free Roth instead of a Traditional IRA, changing the income in your retirement account. How you handle your account is up to you. With sound advice, careful planning, thoughtful management and smart investing your IRA Rollover can be a great asset that works for you. Remember, the transition should be simple and straightforward, but if you experience any difficulties you can seek technical advice from your tax advisor.
PRIVATE INVESTOR NETWORK “PIN”
EARN SAFER, HIGHER RETURNS WITH “PIN”
JDB Financial, LLC is a hard money lender; lending money in what we consider to be emerging markets. i.e. metro Cleveland, areas of TN, TX and GA. Our program is simple, but the returns are high and risk is low. The JDB Financial Private Investor Network (PIN) consists of Individual Investors, IRA’s, Trusts, Pension Plans, LLC’s, Corporations, etc. The (PIN) is setup to fund 1st Position mortgage and notes/Trust Deeds, also known mortgage loans. When an investor becomes a Member of the (PIN), they become a “private investor” and gain access to high quality mortgage loan investments through JDB Financial. The invested monies are secured by residential & commercial investment real estate properties across the US. Investors are placed directly on the mortgage note / deed of trust which can be fractionalized among several investors or wholly funded by one investor. This is a passive investment opportunity for the investor; with both short and long term investment options. We use a servicing company for the (PIN) and the servicing company manages all loan servicing functions including payment processing, property insurance & tax management, construction control, payoffs, defaults and other servicing matters. The short terms loans are typically 9-36 months with interest only payments due monthly. Interest payments are distributed monthly to investor.
The loans must meet strict underwriting and due diligence requirements administered by JDB Financial. All loans funded through the (PIN) are individually processed and fully underwritten before funded. In order to maximize the stability of the cash flow and rate of return for investors in the (PIN) JDB Financial will only fund seasoned, proven real estate investors (we do not borrower our clients funds to finance our personal deals;) to ensure that loans will perform to the high standards the company has established for the (PIN.) Investors will pay no commissions or fees to invest money through the (PIN). All commissions and fees associated with the origination and servicing of the loans are paid by the Borrower. Investors should consider their investment in a mortgage loan as illiquid for a minimum of the term of each loan they fund (typically 9 to 36 months).
The Servicer’s income is derived from upfront fees, loan servicing fees paid by the Borrower such as, servicing fees, late payment fees, escalated interest fees and others. For example, a loan may be originated at 14% to the Borrower and 12% is passed on to the investor with a 2% servicing fee paid to JDB Financial. Lenders can achieve 10-12% returns through the (PIN) and the income is characterized as interest income to the Lenders for taxation purposes.
For more info call us @ 678 383 8438 to contact us click here. www.asaferwaytoinvest.com
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General (PIN) Information |
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| Investment Opportunity: |
Frequent Opportunities on a Loan by Loan Basis |
| Lender Qualifications: | No Qualification Limitations |
| Minimum Investment Amount: | $25,000 |
| Target Return to Lenders: | 10.00 – 12.00% Fixed |
| Interest to Lender: | Paid Monthly |
| Minimum Term to Lender: | As Long as Loan Runs (average of 12 months) |
| Type of Mortgages Investments: | First Lien, Interest Only, Trust Deed loans secured by a Mortgage 7 Note/Deed of Trust personally guaranteed by the principal Borrower/s. |
| Lending Territory: | All States with a focus on residential and small incoming producing commercial properties in the state of GA. |
| Term of Loans: | Generally 12 to 18 months |
| Tax Treatment: | Interest Income (Ordinary Income) |
Disclosure Statement:
This is not an offer to sell, or solicitation of offers to buy, securities in states where such offer of solicitation cannot be made. This is not an offer to residents of New York or New Jersey or where prohibited by state statutes. This advertisement shall not constitute an offer or solicitation to sell or buy securities in any state where registration of the security is required or where such solicitation or offer cannot be made.
US TREASURY DEPARTMENT CIRCULAR 230 NOTICE:
Any advice contained in this communication, including attachments and enclosures, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed in this communication. We do not provide tax advice on any matter, therefore we are not providing any guidance to the recipient on a “more likely than not” or higher confidence level. This communication is not intended to be a reliance opinion within the meaning of Circular 230
Financing Your large Commercial Projects
The funding process I am going to describe is unique. It offers Borrowers a simple way to acquire funds for a multitude of reasons, corporate aircraft, real estate, etc. Minimum funding amounts are $15MM for real estate (although will consider viable projects starting at $10MM) and $5MM for aircrafts.
Real Estate Funding (Quick overview):
6-8% interest rate (currently at 6 1/4%)
Not to exceed 5 points (lender & brokers’ fees inclusive)
100% financing (borrower must secure a SBLC for 6 1/2% of loan amount upon issuance of LOI and credited back at closing)
1 yr moratorium on interest payments depending of scope of rehab
$7500 processing fee upon application submission (refunded if loan is not approved and credited at closing)
$15M minimum projects (will entertain strong projects of $10-15M)
No geographic limitations
Must be a viable project
Requirements:
Completed business plan or executive summary including financials
Proof of 6 1/2% from current income or bank statement
Funds must be available at issuance of LOI
NO platform trading, direct access to capital lending!
For more details on the process contact:
James J Bullock
JDB Financial LLC
james@thathardmoneyguy.com
678 383 8438
10 WAYS TO INCREASE YOUR FOLLOWERS ON TWITTER
This guest post is written by Kevin Rose
, the founder of Digg and the cofounder of Revision3 and Pownce. Kevin, who has over 88,000 followers on Twitter (making him the second most followed after President Obama), also “bloggs” at kevinrose.com. He is an investor in Twitter.
Ten Ways To Increase Your Twitter Followers:
- Explain to your followers what retweeting is and encourage them to retweet your links. Retweeting pushes your @username into foreign social graphs, resulting in clicks back to your profile. Track your retweets using retweetist.
- Fill out your bio. Your latest tweets and @replies don’t mean much to someone that doesn’t know you. Your bio is the only place you have to tell people who you are. Also, your bio is displayed on Twitter’s Suggested Users page. Leaving it blank or non-descriptive doesn’t encourage people to add you.
- As @garyvee says, “link it up.” Put links to your Twitter profile everywhere. Link it on your Digg, LinkedIn, Facebook, blog, email signature, and everywhere else you live online. Also, check out the great feedburner-like badges from TwitterCounter for your blog.
- Tweet about your passions in life and #hash tag them. Quality content coupled with an easy way to find it never fails. If others enjoy your content, they’ll add you. Learn more about #hash tagging here.
- Bring your twitter account into the physical world. Every time I give a talk, speak on a panel, shoot a podcast, present slides, or hand out business cards, I figure out a way to broadcast or display my twitter account.
- Take pictures. Pictures are heavily retweeted/spread around. This one from US Airways Flight 1549 has been viewed 350,000+ times. For mobile pics use iPhone apps such as Tweetie or Twitterific, both which support on the go uploading.
- Start a contest. @jasoncalacanis offered a free macbook air if he reached the #1 most followed spot. That never happened, but Jason added thousands of followers…brilliant.
- Follow the top twitter users and watch what they tweet. Pay attention to the type of content they sent out and how they address their audiences.
- Reply to/get involved in #hash tag memes. search.twitter.com lists the hot ‘trending topics. Look for the #hash topics and jump in on the conversation (see #4 for links to #hash instructions).
- Track your results. TwitterCounter will show you how many new users you’re adding per day and Qwitter will email you when someone unfollows you after a tweet.
HARD MONEY LENDING PROGRAMS
Georgia Residential Hard Money Lending
PRIVATE MONEY LENDING
COMMON SENSE UNDERWRITING!
- Up to 100% Financing Available
- 15% I/O
- Points Starting at 6 (5K Flat on Loans Under 40K)
- 70% ARV
- No Score Programs Available (Case by Case)
- Fast Closings
- 48 – 72 Hour Underwriting Response Time
- 6 Months
- No Min. Loan Amount
- Fast Closing
- 650 Middle Credit Score
Programs Also Available in:
Kansas: Kansas City, Missouri: St. Louis & Kansas City, Tennessee: Memphis & Nashville, Illinois: Chicago, Indiana: Indianapolis, Michigan, (Case by Case) Ohio, Pennsylvania – Western PA & Philly, NY: Western & Central New York, North Carolina: & Raleigh Charlotte
Commercial Hard Money Lending:
- · Up to 65% (70% in GA.)
- · Down payment Assistant Programs
- · Seller Seconds OK
- · Distressed Property Lending
- · 100% CLTV (TX Only)
- · 50K and Up NO Max
- · 100% Financing on loans 10M+! (International OK)
- · Nationwide
- · 600 Score Min. (Lower Scores Case by Case)
- · Church Loans
How to Earn 6% or More from Your Undervalued Stocks
For investors who have undervalued/poor performing stocks, that are not giving you the returns you desire, lending against stockscould be a great way to turn your portfolio around. Many investors have solid stocks that aren’t currently performing well, due to the economy. In this economy we can’t afford to buy and hold; we need to make sure our money is working for us for both day and night. If you feel strong that these stocks will turn around and you don’t want to sell, borrowing against these stocks could be the solution to your dilemma. You can borrower up to 95% against those undervalued stocks and bonds. Your shares remain in your own name and never transfer into anyone else’s title or control. You can get the cash loan in one lump sum and you can pay off the loan at any time you like, without any penalty whatsoever. You also get the freedom to swap out collateral stocks for stocks of equal value. You have the consideration for more loan cash if your shares rise significantly and most of all you get your shares back immediately upon repayment of the loan. Borrowing against these stocks gives the investor the opportunity to diversify their portfolio; the cash can be used for any legal investment. If you have been considering investing in real estate here’s your chance!
Here’s how to earn 6% or better with those undervalued stocks.
Let’s look at an example. Tom Smith wanted to invest in real estate, but didn’t have the time or knowledge needed to get started. He needed cash to invest; he had stocks and other securities in his portfolio. He was thinking of calling his stock broker to sell some for the cash, but he felt that they were way undervalued, and could only go up. Some of them were priced at even less then what he had paid for them and he understandably loathed the idea of a conventional sale of his securities at their current low prices. His stock position was now worth $600,000; Tom found a private money broker, who showed Tom how he could lend money to real estate investors in need of financing for real estate deals. This was perfect for Tom; he could now invest in real estate without the hassles that come with owning real estate. Although Tom could have invested much less, he decided that he would invest $400,000. At the 12% ROI his broker spoke of, Tom could replace his wife’s income.
Here’s how borrowing against his stocks came to the rescue. Tom received 85% of the closing market value of the stock on a limited recourse basis (@ 5.5%) that provided that if he had to default, he could forfeit his stocks as complete fulfillment of his loan obligation if it came to that and owing nothing more. This meant that lender could go after no other assets no matter how much the collateral was worth, and in default he’d have no negative credit reporting of any kind. However if his favorite stock rose in price – if it appreciated and grew in value during the loan term – that appreciation was his. He could even use some of it to pay off any outstanding interest, even all of the interest and principal, simply by asking lender to liquidate some shares at loan maturity. In short, he had the best of both worlds. Tom could stay “in and out of the market” at the same time, covered on both ends, while locking in today’s stock value before the shares fell any further. Tom borrowed $400,000 against his $600,000 portfolio @5.5%. Through his private money broker, Tom financed a real estate deal at a 12% annum, fixed yield. Tom is now earning 6.5 % on his non performing portfolio. (12% ROI from private money investing – 5.5% interest rate on his stock loan = 6.5% ROI) For Tom, his loan represented keeping all rights to the future appreciation of his stocks and replacing his wife’s income; giving her the option to pursue other interest. A real win-win.
James J. Bullock of JDB Financial LLC. A small team of active real estate investors and mortgage professionals; working together to network with both private money lenders and qualified real estate investors nationwide. We provide private money investors with qualified, fixed yield, low risk, and high return investment projects; secured by real estate; thus adding diversity, investment control and a consistent monthly cash flow to the investor’s portfolio.
How Safe is Your Hard Money or Private Money Investment?
Watch this short video to find out more about how you can invest in private money lending with little or no risk.
How to Deal With Seller Objections
Tip One: Four Ways of Dealing With Seller Objections
There are four ways to handle objections. Here is the list in order of least desirable to most desirable:
Flop! This means not dealing effectively with the objection. (Yes, I know that you are not going to choose this option intentionally.)
Handle the objection. While it’s good to know how to reply to the objection, once the objection is raised it is still somewhere in the back of the seller’s mind.
Melt the objection. This means letting the objection just disappear with time. Many objections are really just the other parties way of saying that they are not comfortable with the situation.
Set the objection aside and then don’t bring it up. Many times if you spend the energy and time to really connect with the other party, then the objection literally melts away.
Preempt the objection. This is the best way to handle an objection–keep it from ever surfacing to begin with.
What You Can Expect From Private Money Investing.
First and most importantly you can expect an annual fixed yield of 10% or higher! Private Investing also offers you portfolio diversification. You have the choice to invest in short or long term investment projects. You will have the opportunity to review the details of every project before you decide to invest. You will receive monthly updates with photos on how your investment is progressing. Unlike your market investments, you have more control over your investment dollars. You don’t have to hand over your money to someone and have blind faith that he/she will invest it wisely. All projects are funded hours before the closing date. The funds will be wired directly to the escrow company/closing attorney, NEVER to the borrower, the broker or his company, thus reducing the chances of fraud. Last but certainly not least, you can expect a low risk investment. There are many steps taken to ensure the private lender is presented with the safest projects possible. To learn more about just how safe private money lending is visit our blog at http://asaferwaytoinvest.com/blog/
What not to expect………..
- No Broker Fees
- No Upfront Fees
- No Hidden Fees
Private Money Investing: How Safe of An Investment is it?
The economy and the banking industry have opened the door for more than just the wealthy to become private money lenders. More and more real estate investors are looking for private money loans and more and more investors are moving off Wall Street and steering toward private money lending. It’s no secret that private money offers an annual fix yield of 10% or more; but just how safe of an investment is private money lending?
As with any investment, there are risks, but working with the right broker can reduce the risk and provide you a consistent flow of monthly income; not to mention portfolio diversification and more investment control. Let’s take a look at the many methods qualified broker should use to add security to PM investments:
First, you should know that most loans are secured by real estate, this alone offers more protection than most Wall Street investments.
The borrower is required to place hazard insurance on the property. The lender (you) will also named on the insurance policy as the mortgagee; as well as the title work. Having the lenders name on the title work, places a lien on the property; ensuring that the property can’t be transferred, sold or refinanced without the lien being satisfied /paid off. On larger loans; Key Man Insurance is often required; as well as, Business Income Insurance. At a formal closing, the lender will be provided with documentation to verify that these security methods have been applied.
Private money loans are normally at a much lower loan to value (LTV) than a bank loan; typically 60 to 70%. Offering the investor an additional layer of protection and wiggle room. The low LTV ensures that if the borrower defaults; the lender should be able to sell the property with 30 to 40% equity, which should make for an easy quick sale to recoup the principle loan amount.
Often the borrower will be required to cross collateralize an additional piece of property to strengthen the loan. Cross collateralization gives the borrower much more motivation to pay off the loan; realizing that default would result in losing the subject property as well as the other additional property collateralized.
You should know that your money will never be sent to your broker or the borrower; when the time comes to fund the deal, the investor will wire the desired funds directly to the Escrow Company/ closing attorney; thus reducing the chances of fraud and gives the investors a stronger sense of investment comfort. The combination of these methods, offers a strong wall of protection for the lender; much more than most investments available today.
Although risk free investments don’t exist, private money lending offers many levels of security and should be a part of every investor’s portfolio.
James J. Bullock of JDB Financial LLC. A small team of active real estate investors and mortgage professionals; working together to network with both private money lenders and qualified real estate investors nationwide. We provide private money investors with qualified, fixed yield, low risk, and high return investment projects; secured by real estate. Thus adding diversity, investment control and a consistent monthly cash flow to the investor’s portfolio.
How to use your Investments Wisely and Benefit from Private Money Lending
Did you know you can use your IRA or Pension plan to invest in real estate property? The majority of investors are feeling the pinch of the global recession and they don’t feel their investments are performing as they should. What these investors don’t realize is that there is another option out there for them called “private money lending”.
Make your Investments Work for you
Most people have been working for awhile have quite a large nest egg saved in their IRA allowing them to consider other options for this money such as private money lending for real estate. Private money lending using your investments in your IRA and other retirement plans is a widely acceptable practice and can offer a very large return when done properly. There are some things you need to know before you use private money lending as an option to earn money through high interest earning loans.
Self Directed IRA
In order to take advantage of private money lending using investments you must have what is called a self directed IRA or a roll over 401k through a custodian. This simply means that you are responsible for making investment decisions on behalf of the investment fund. This allows you to direct your funds anyway you choose fit including private money lending and investment options.
Choosing a Custodian
To get a self directed IRA you must first choose a custodian for your account and roll over your existing 401K account after a job loss, retirement, or change of jobs (transfer funds within 60 days to remain tax deferred). Your new custodian will help you fill out all necessary paperwork and information so the process can run smoothly.
Choosing a Good Private Money Lending Investment
After you have completed the rollover process and assigned a custodian, you get to participate in the fun part which is choosing your private investments such as real estate investment. Make sure you do your research and find a good real estate investment firm that has been in business for awhile. The majority of private money investing options will offer an annual fixed yield rate of 10% percent or more! That means that a 20K investment will yield a 2K annual return on investment or $167 dollars a month just for loaning out your money.
Security
Many private money investments are secured by personal guarantees adding another layer of protection to the lender. Not only that, but there are checks and balances along the way to ensure that you are getting the most out of your loan and protected in the event of a default.
In a lot of cases private money lending investments are outperforming the stock market. This investing method is 100 percent legal according to the IRS and you have complete control over what you invest in and how much.
What is Private Money Lending and how can you Benefit
Many people are confused by the term private money lender. The do not realize that they can profit greatly by participating in something called hard money lending. Private money and hard money lending is an individual or group that negotiates directly on a personal basis to lend money for real estate investments.
The money is funded through your personal investments such as a 401k or IRA or even money you stock piled in your savings account. The money can be used to purchase rental real estate investments or to supplement funds borrowed from a bank to cover down payments. Basically you become the bank.
What’s in it for me?
Hard money and private money loans typically offer a return on investment of at least 10% percent per year. This means if you invest in a real estate property as little as 20k per year, you are going to get a return of $2,000 on your original investment which translates into about $167 dollars per month. Compound that into a 100K investment and you could easily be earning $835 dollars per month just for privately loaning your money out. And that is with a very low return of 10% percent.
Is it secure?
All investments have some risk assessment involved therefore you need to assess your situation to decide if private money lending is right for you. Investing in loans secured by real estate offer a higher rate of return and lower risks compared to the stock market. There are no commissions or upfront fees and the borrower is required to place hazard insurance on the property and you will be named on the insurance policy as the mortgagee.
Many times the borrower is required to cross collateralize an additional piece of property giving them much more motivation to pay back their debt in a timely manner. So basically you are investing in the property without the headaches of being a landlord or contractor.
How do you get started?
The most important step in becoming a private money lender is to make sure you have the money to secure this type of investment. You should have at least 20K to loan out and it shouldn’t be tied to any other purpose other than investing. You must then be able to loan this money out quickly and not have a need for the funds for at least a year. If you have an IRA, you will need to roll it over into a “self directed” IRA with a 3rd party custodian.
Do a search on Google and ask friends and colleagues about their experiences with professional private money and investment companies. You can get started fairly quickly once you find a reputable real estate investment company and fill out all the necessary paperwork and lender applications.
What are Trust Deeds?
Trust Deeds or Private Loans/Hard Money Loans are the secret weapon that the successful investors use to earn high returns while the average person places their money in low yield investments like savings accounts, CDs, money markets, and even mutual funds
Just How Safe is Private Money Lending?
Trust Deeds or Private Loans/Hard Money Loans are the secret weapon that the successful investors use to earn high returns while the average person places their money in low yield investments like savings accounts, CDs, money markets, and even mutual funds
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