Private Mortgage Investing by Teri B. Clark

Private Mortgage Investing and Collateral

2007-06-23T18:37:00.000-05:00

Private mortgage collateral is typically the real estate loaned on. However it can and does sometimes include other assets of the individual or business borrowing the hard money. In many cases a private money lender will offer a smaller loan size based upon a lower "Loan To Value Ratio". This means they may opt to loan no more than 65% of the property value. Therefore it is common for real estate investors to offer additional real estate as collateral in order to obtain a larger loan amount. This is known as cross-collateralization.

Learn more by buying Private Mortgage Investing, an award winner in Foreword Magazine's Book of the Year Award.

Foreword Magazine's Book of the Year Awards

2007-06-18T09:26:00.000-05:00

My book, Private Mortgage Investing, won runner-up in the finance category of Foreword Magazines Book of the Year Awards. This is quite prestigious and I'm really excited. If you want to invest in real estate or help those that do, private mortgage investing is worth checking out. my book can help you learn how.

Understanding Your Private Mortgage Client

2007-05-28T13:08:00.000-05:00

Why would anybody use hard money for a mortgage?

Hard Money is not a solution for everyone. For example on a Commercial Project- stopped because of no funds- the builder has 3 options

1. Stop the project
2. Take on a partner or
3. Hard Money.

Hard Money is less expensive then bringing on a partner.

For residential borrowers it can

1. Stop foreclosure
2. Give time
3. Give options

To learn more, buy Private Mortgage Investing by Teri B. Clark.

Shariah-approved Mortgage

2007-05-26T10:32:00.000-05:00

A growing number of North Americans Muslims are willing to pay more for their mortgages, so long as the deal complies with their religious beliefs. It is estimated that at least one third of Muslims will refuse conventional mortgages because they violate shariah law, Islam's guiding body of rules, by charging interest. As a private mortgage investor, you may be able to find a way for this to work for you.

A shariah-approved mortgage could be structured as a co-ownership between the buyer and the lender in which the buyer leases to own.

In Canada, shariah-compliant mortgages are between 100 and 300 basis points more expensive than conventional mortgages. In the United States, however, the spread narrows to between 40 and 100 basis points.

About 40% of the 7.5 million Muslims in the United States do not own a house. The market could be immediately worth about US$1.7-billion.

To learn, buy Private Mortgage Investing.

If you lend on flipping, read this

2007-05-19T07:48:00.000-05:00

The already slow real estate market situation was compounded when the Federal Reserve announced that interest rates will not be going down, which has negatively impacted the stock market, and may continue to impact home sales for some time.

If you lend to those that flip, they will be finding it to sell these homes quickly. Since staged homes sell for 6.9% more than a non-staged home and sell 50% faster, you should consider requiring that such homes be staged.

To learn more, buy Private Mortgage Investing.

Private Mortgage Investing Book Receives Highest Rank Possible!!

2007-05-14T12:41:00.000-05:00

When it comes to readers' views, Private Mortgage Investors has earned a top ranking - 5 out of 5. This is according to May 13th's Very Well Said Poll. Haven't read it yet? Order it here!

Best Selling Top Ten

2007-05-04T08:25:00.000-05:00

The Very Well Said Best Selling Books By Subject associated with Amazon.com has Private Mortgage Investing by me, Teri B. Clark, listed as #8 in the category of Mortgage Books as of Sunday April 29th.

According to Nasiri Suzan, Director of Funding of Fidelity Investments LLC
,Private Mortgage Investing is incredibly useful in explaining the dos and don'ts of private mortgage investing as well as a wealth of information on all related topics.

Get a copy of Private Mortgage Investing for yourself!

Private Mortgage Investing: Use Your Money as a Bridge

2007-04-25T08:21:00.000-05:00

Private mortgage investors provide private money as a bridge. This private money is used when a traditional loan won't work for one reason or another. Therefore, private money is typically a short term solution. This means that private mortgage investors typically lend their money for 1 to 6 years.

Private money can be used not only for single family homes, but for commercial retail, restaurants, hotels/motels, marinas, elder care facilities, industrial, agricultural, raw land, land development, construction, rehab, multi-family, and manufactured homes.

To learn more about private mortgage investing, buy Private Mortgage Investing by Teri B. Clark.

Private Mortgage Investing: Teri's Book is Best of Best!

2007-03-31T08:18:00.000-05:00

According to the March 30th, 2007 list,The 50 Top-Selling Mortgage Books, published by VeryWellSaid.com, Private Mortgage Investing by Teri B. Clark is in the top 20!

As announced earlier, it is also a finalist in the Foreword Magazine's Book of the Year Award. Buy your copy today!

Private Mortgage Investing Vs. Rental Income

2007-03-28T09:23:00.000-05:00

Let’s imagine that you bought a house and you are renting it to tenants for $1000 per month. If the house cost you $100,000, you are getting a return on investment (ROI) of 12%. This sounds great, but it is not the whole picture.

In real life, if you bought either house, where would most of your rental income go? You would be spending a good portion of the $1000 a month. It would go not only to the bank in the form of a mortgage payment, but it would also go into the maintenance of the property.

Every time a toilet leaks or a hot water heater fails, part of your interest is eaten up. Yes, you are building equity, but at a very slow rate. In the meantime, you are dealing with tenants.

It seems to me that the bank has it pretty good. They just collect the mortgage every month. They are not in charge of toilets and tenants. Even if a property goes into foreclosure, they have attorneys to take care of it. They make money while you do the work.
How would you like to be the bank? That is what private mortgage investing is all about. You get the monthly payments and the real estate investor deals with everything.

To learn more, buy Private Mortgage Investing.

Being Interviewed By NuWire Investor

2007-03-11T14:59:00.000-05:00

NuWire Investor, an online financial and alternative investment publication in the US, will be interviewing me concerning my book Private Mortgage Investing, a finalist in Foreword Magazine's Book of the Year Award. The article will be featured in their pilot issue as well as heard live on their site: http://nuwireinvestor.com/

To learn more about private mortgage investing, buy the book!

Finalist for the Foreword Magazine Book of the Year Award

2007-02-23T13:36:00.000-05:00

Teri B. Clark's book, Private Mortgage Investing, has been named a finalist in the Foreword Magazine Book of the Year Awards.

ForeWord Magazine's Book of the Year Awards were established to bring increased attention from librarians and booksellers to the literary achievements of independent publishers and their authors. Their awards process is unique because they ask a jury of readers, librarians and booksellers, to select their top categories as well as choose the winning titles. Their decisions take into consideration editorial excellence, professional production, originality of the narrative, author credentials relative to the book and the value the book adds to its genre.

ForeWord is the only review trade journal devoted exclusively to covering books from independent houses -- ranging in size from university presses publishing hundreds of titles per year to micro, POD and eBook publishers who may publish one title in a lifetime.

Private Mortgage Investing the Candadian Way

2006-08-23T18:07:00.000-05:00

I recently spoke with Shannon Dolphin who explained one aspect of Canadian Private Mortgage Investing. Here is what she said:

In Canada there is an investment vehicle conduit called MICs or Mortgage Investment Corporations. Investors receive shares for their investment which in turn is allocated to a pool of mortgages. MICs are run by Mortgage Managers who who take a small fee. MICs are growing exponentially since they provide a good solid return to investors as well as risk is mitigated against the pool of various mortgages. There are a number of rules associated with these investments to further legitimize the investment. Our company (dolphinent.com) deals with these companies since we supply software to maintain MICs. Syndications and direct investments are also popular.

To learn more about private mortgage investing, buy and read the book by Teri B. Clark.

Private Mortgage Investing - The Risks are Low

2006-08-21T14:00:00.000-05:00

Mortgage investors (known as mortgagees) have legal rights to collect on the mortgage debt if borrowers fall too far behind with payments. As with all loans, with private mortgage loans there are risks -- late payments or perhaps no payments. Luckily, such loans are backed by real property. This means that late payments or no payments will eventually be caught up - even if you have to deal with the foreclosure of the property. Most brokers that I have spoken with have either never had to go to foreclosure or gone only once. Even then, they lost no money.

To learn more about it, buy and read Private Mortgage Investing by Teri B. Clark.

Private Mortgage Investing: A Good Alternative to Stocks and Bonds

2006-08-19T16:49:00.000-05:00

Private mortgage investing, also known as hard money lending, is a super alternative to stock and bond investments. In addition to earning a much higher interest rate (typically between 12 and 16% and sometimes even more) than stocks and bonds, private mortgages are much safer. As long as you keep your loan to value rate at no more than 70%, view the property yourself, and get signatures on the necessary paperwork, there is simply no risk. Your investment is backed by the property, and at the very worst, you will end up owning the property and have to sell. Since your LTV ratio is low, you will make money on the sale! What other form of investment do you know of that has a high interest and can keep your initial capital safe?

To learn more, buy and read Private Mortgage Investing by Teri B. Clark.

Private Mortgage Investing Vs First Lien Mortgages

2006-08-19T10:38:00.000-05:00

There are a lot of investments tied to real estate and mortgages these days, and each needs to be evaluated on its own merits. Some mortgage brokers match individuals with cash to real-estate investors buying properties either in foreclosure or for the purpose of fixing and flipping it. Although these are not necessarily bad investments, they are sometimes more volatile. It is very important when choosing to use private mortgages as an investment to understand what you are investing in. Many first lien mortgage programs do not deal with individuals buying homes that simply cannot get a regular bank loan. If you do choose to go with a foreclosure or for a flip home, be sure to follow the same principles outlined in my book and in other entries on this blog. Loan to value ratios should be adhered to, viewing the property is a must, and understanding the risks is essential.

To learn more, buy and read Private Mortgage Investing by Teri B. Clark.

Private Mortgage Investing/Hard Money Lending: How to Secure Your Investment

2006-08-16T18:41:00.000-05:00

If you are going to invest via private mortgages or hard money lending, then you will want to be sure your investments are secure. Here are three things you will want to do:

Have the borrower sign a promissory note at the time of the closing.
Be sure that you are the first and ONLY recorded mortgage.
Have them get insurance, provide proof of that insurance, and list you as the first mortgagee.

To learn more about this topic, buy and read Private Mortgage Investing by Teri B. Clark.

What is hard money lending?

2006-08-12T16:15:00.000-05:00

Hard money lending is asset-based lending where the lending decisions are based primarily on asset value not on credit scores. Private mortgage investing is hard money lending where the asset is real estate based.

Find out more by buying and reading Private Mortgage Investing by Teri B. Clark.

More Borrowers for Hard Money or Private Mortgages

2006-08-10T23:14:00.000-05:00

Here are some of the reasons why an individual would want to borrow from a hard money lender.

-Preventing a foreclosure
-Buying and remodeling a dilapidated property/home
-Private business endeavors
-To improve their credit so they can receive loans in the traditional sense (i.e. banks, etc.)

To learn more about hard money lending, buy and read Private Mortgage Investing by Teri B. Clark.

What type of borrowers are appropriate for hard money or private mortgages?

2006-08-05T13:48:00.000-05:00

Private mortgages are appropriate for many different kinds of people, inlcuding the following:

* Poor credit scores
* Income cannot be documented - often true of the self-employed
* People that don't want to do all of the paperwork

If you, as the lender, aren't looking at their credit or their income, what do you look at? You look at the equity in the property. The borrower only needs to have enough equity and be able to show the ability to repay. As long as the equity is there, your risks are minimal.

To learn more, buy and read Private Mortgage Investing by Teri B. Clark.

Private Mortgage Investing AKA Hard Money Lending

2006-08-04T10:31:00.000-05:00

Hard money is nothing more than private money.

Private money is generally used as a bridge: a way to get from point A to point B. It is generally a short to medium term solution (1-6 years), and there is nearly always an exit strategy going in.

Private money rates generally range from 10 to 15%. The rate is determined by looking at a combination of factors: (a) LTV ratio, (b) strength of borrower, (c) condition/desirability of property, (d) actual cash-in or real equity contributed by borrower.

To learn more, buy and read Private Mortgage Investing by Teri B. Clark.

Private Mortgage Investing
Mortgage Investing
Real Estate Investing
Hard Money Lender

Private Mortgage Investing Table of Contents

2006-08-01T07:57:00.000-05:00

Chapter 1: Introduction - Private Mortgages Beat Traditional Investments Hands Down
Chapter 2: Private Mortgages - Why You Want To Be Involved
Chapter 3: Why Borrowers Seek Private Mortgages
Chapter 4: Five Investment Parameters
Chapter 5: The World Of Mortgages, Interest Rates, And Fees
Chapter 6: Ways To Invest
Chapter 7: Getting The Most From Your IRA
Chapter 8: Selling Mortgages And Notes
Chapter 9: Finding Potential Borrowers
Chapter 10: Verifying Property Information
Chapter 11: Insurance To Keep Your Investment Safe
Chapter 12: More Safety Measures For The Private Lender
Chapter 13: Real Estate Attorneys Are Worth The Price
Chapter 14: Bookkeeping And Taxes
Conclusion
Appendix 1: Forms
Appendix 2: Loan Package From Broker
Appendix 3: Private Mortgage Glossary
Appendix 4: Calculations
Appendix 5: Self-Directed IRA Trustees
Appendix 6: State Usury Laws
Appendix 7: Mortgage Procedures State by State
Appendix 8: Resources

Buy and read Private Mortgage Investing by Teri B. Clark to learn more!

Private Mortgage Investing
Mortgage Investing
Real Estate Investing

Real Estate Investing through Private Mortgages

2006-07-29T14:15:00.000-05:00

When most people think of real estate investing, they think of buying rentals or foreclosures, flipping homes, short sales, and refurbishing homes to name a few. However, many real estate investors do not know the potential of private mortgage investing! In fact, this investment vehicle has such potential that those not typically involved in real estate will want to consider it as part of their portfolio. Why? It is easy, hands off once you set up the deal, can provide a monthly income, and provides high interest rates!

To learn more, buy and read Private Mortgage Investing by Teri B. Clark

Private Mortgage Investing
Mortgage Investing
Real Estate Investing

Start Investing in Private Mortgages NOW!

2006-07-27T10:34:00.000-05:00

I can't think of a better time to get started in Private Mortgage Investing than right now. While most people are complaining about poor returns on stock investments, you can be receiving 10 to 15% per year on your private Real Estate loans - and that is all the time, not just when you get a hot stock for a short climb.

Mortgage lending is an incredible way to build wealth in a hurry that most people aren't aware of. Buy and read Private Mortgage Investing by Teri B. Clark to get started on building your personal wealth in a way that you are in control.

Private Mortgage Investing
Mortgage Investing
Hard Money Lender

Private Mortgage Investors AKA Hard Money Lenders

2006-07-26T12:08:00.000-05:00

What is a hard money loan? According to Wikepedia:

These are often used to finance projects that are unconventional, great deals, or where money is needed quickly. Typically hard money lenders will lend 70-80% of the value of the property regardless of the sales price (unlike banks). They will typically close loans in 2-7 days. Credit scores and income are often overlooked by hard money lenders, however they may ask to see a business plan or exit strategy for the project. They may get paid via points (e.g. 1 point equals one percent of the total amount borrowed), interest rate (10-20% per year is common), and an equitable interest. These will vary based on the size of the project and the agreed upon contract. Hard money lenders are collateral based and typically require first position on the property.

To find out more, buy and read Private Mortgage Investing by Teri B. Clark

Private Mortgage Investing
Mortgage Investing

Private Mortgage Investing: How to Earn 12% or More on Your Savings, Investments, IRA Accounts, and Personal Equity

2006-07-25T23:00:00.000-05:00

In recent years, stock market investing has been proven unstable and not very rewarding. In fact, many people have seen their retirement and personal holding accounts dwindle. This new book by Teri B. Clark and published by Atlantic Publishing Company provides an alternate to investors. They spent two years putting together this new guide which provides detailed information on how to put money to work in a relatively safe private mortgage investment with a high return of 12 to 15 percent (or more) in most cases.

Private mortgages have grown into a multi-billion-dollar industry. This market allows investors to earn substantially higher yields—while offering the security of real property to back the loan. Private mortgages have become an important fixed income vehicle for many investors with their personal funds, equity, and self-directed IRA accounts.

Private mortgage investing isn’t for the get-rich-quick type of person. However, you can comfortably double your money every 4 to 6 years. For example, should you invest in your self-directed IRA and re-invest as notes pay off? $100,000 at 12 percent grows to over $200,000 in six years, to $500,000 in 13 years and to over $1 million in 19 years.

Private mortgage loans are backed by real property. Generally, you would not lend more than 55 percent on the value of the property, thus the investment is again relatively safe. Instead of concentrating on the borrower’s credit history, private mortgage lenders concentrate their investment decisions on the real property itself. However, like any business or investment, there are a lot of details to learn, and you do not need to learn them on your own. Learning them on your own can be costly. In this economic environment of very low interest rates, you can still earn high yields with virtually little or no risk to your investment.

To learn more, buy and read Private Mortgage Investing.

Author: Teri B. Clark & Matthew Stewart Tabacchi
Publisher: Atlantic Publishing Company
1405 SW 6th Ave.
Ocala, FL 34474
ISBN 10: 0-910627-62-2
ISBN 13: 978-0910627-62-7
CIP: 2006012582
Pub Date: July 20, 2006
Binding: Soft Cover, Perfect Bound, Acid Free, Alkaline Free Paper
CD-ROM: No
Pages: 400
Retail Price: $29.95
Street Pub Date: July 20, 2006

Private Mortgage Investing
Mortgage Investing
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Mortgage Investing and IRAs

2006-07-25T11:17:00.000-05:00

You can't invest in mortgages with your basic IRA; you need to open a self-directed IRA. Banks, insurance companies and brokerages will help you open a self-directed IRA, but, generally, they limit your investment options to the products they sell. To invest in mortgages you may have to find an independent administrator to serve as a trustee or custodian.

To learn more, buy and read Private Mortgage Investing by Teri Clark.

Private Mortgage Investing
Mortgage Investing
Mortgage-Info

Self Directed IRAs and Mortgage Investing

2006-07-24T14:47:00.000-05:00

Self Directed IRAs can invest in just about anything. In fact, there are only three things that are prohibited under current rules... collectibles, life insurance policies and S Corporations.

They can, however, invest in private mortgages! Instead of earning a low 3 to 5% interest on your IRA, consider earning 10 to 15%!!

Find out more by buying and reading Private Mortgage Investing by Teri B. Clark.

private mortgage investing
mortgage investing

Why Are Private Mortgages So Big?

2006-07-21T11:56:00.000-05:00

With the banks strict lending policies many borrowers are turning toward private mortgages to fund real estate transactions, like wise, with unpredictable market returns, Investors are looking at private mortgages as a safe alternative investment opportunity.

To find out more, buy and read Private Mortgage Investing by Teri B. Clark

Private Mortgage Investing

Mortgage Investing

Mortgage Investing and Loan to Value Ratio

2006-07-20T19:56:00.000-05:00

One thing you need to understand before investing in a mortgage is the loan to value ratio. This may sound technical, but it is terribly easy. It is the ratio of the loan on the mortgage compared to the value of the mortgage - this is done by dividing the loan by the value.

Let's look at a quick example. If you loan $70,000 on a $100,000 house, your loan to value (LTV) is 70%. If you only loaned $50,000 then your LTV would be 50%. The lower your LTV, the safer your investment.

Most successful private mortgage investors do not loan out more than a 70% LTV. Additionally, they do NOT loan out on a second mortgage, even if the LTV is great. Why? If the house forecloses, the person/bank holding the first mortgage gets paid first. If you are holding the second mortgage, you may end up with nothing at all!

To find out more, buy and read Private Mortgage Investing by Teri B. Clark.

private mortgage investing

Mortgage Investing - Is It Right For You?

2006-07-18T00:16:00.000-05:00

Talking to local mortgage brokers is an excellent way to see whether mortgages are the right investment for you. Residential and commercial real estate professionals should also be able to give you a feel for the types of private investor financing that are most in demand. Paperwork should always be prepared, reviewed, and approved by your attorney before you sign anything.

For more information, buy and read Private Mortgage Investing by Teri B. Clark.



Private Mortgage Investing



Private Mortgage Investing - Be Sure to See the Property Yourself!
2006-07-17T08:14:00.000-05:00
Whenever you decide to lend money privately on a mortgage, it is imperative that you check out the property yourself. Anyone can give a glowing description of the home that simply does not state the whole truth. The home may be located in an area that has a great reputation, but that should not be enough for you. What if the house is run down? What if the house is far smaller than you believed based on the description. What if the house, though in a desirable neighborhood, is not in a great location in that neighborhood - ie next to community dump or a loud roller blading park? Look inside the home as well. 

You are lending money and your money will be safe if your loan to value ratio is not more than 70%. The only way you can know this for a fact is to see the home yourself!

For more information, buy and read Private Mortgage Investing by Teri B. Clark.

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The Main Advantages to Investing in Private Mortgages
2006-07-14T10:11:00.000-05:00
The main advantages to mortgage investing are :

    * you receive a monthly income with every payment
    * you get a high rate of interest on your investment
    * your investment is very secure, if properly selected
    * your equity increases as the mortgage decreases
    * you may use it as an IRA investment
    * there is usually no cost to place your investment funds

To learn more, buy and read Private Mortgage Investing by Teri Clark


Explaining Private Mortgage Investing
2006-07-13T10:07:00.000-05:00
What is a mortgage?
A mortgage is a debt owed for a specific length of time, using real estate as security. The difference between the mortgage(s) on the property (what is owed on it) and what the property could be sold for, is known as equity.

Since few properties today sell for cash, mortgage money has to be available. Therefore the mortgage loan is is the basis for nearly every transaction in real estate.

Lenders are known as "mortgagees" borrowers are "mortgagors".

How safe are mortgages?
No investment is 100% safe; but then few investments are as safe as real estate!
Take a look at the houses around you and see how much they have risen in value over the long term.

Based on the continuously rising long term trend in real estate, an individual lending 80% of a properties value today, could have their equity substantially increase over time.

To learn more, buy and read Private Mortgage Investing by Teri B. Clark


What is a Private Mortgage Loan?
2006-07-12T15:10:00.000-05:00
Private mortgage loans are loans secured by real estate made by a private lender instead of a bank, lending institution or government agency. Private mortgage loans are short-term (6 months - 3 years) hard money or asset based loans made to the professional real estate investor where the decision to lend is based on the equity and value of the property being put up as collateral, not on the borrowers credit.

To find out more, buy and read Private Mortgage Investing by Teri B. Clark.


Pros and Cons of Private Mortgage Investing
2006-07-11T08:03:00.000-05:00
Pros: Privately held mortgages provide a high return on investment. Real estate can be traded or exchanged for like-kind property on a tax-free basis. 

Cons: This is not a terribly liquid investment. It requires that you stick with the mortgage for the time specified. To get started, you have to have a relatively large initial investment – typically no less than $5000. 

For more information, buy and read Private Mortgage Investing by Teri B. Clark.


Convert Your Investments to Private Mortgages
2006-07-10T14:28:00.000-05:00
Convert your Stocks, Bonds, Mutual Funds, Savings, and IRA's into an investment earning 12-18%. Safe Investments and Secured by Real Estate 1st Mortgages!!

To learn more, buy and read Private Mortgage Investing by Teri B. Clark.



Private Mortgage Investing - How Much Money Do You Need to Get Started?
2006-07-07T19:28:00.000-05:00
There are some basic points to consider when you choose your investment vehicle. For instance, how much money do you have to invest? Some products can allow you to get started with as little as $100, while others require much, much more.     

Although you can’t start private mortgage investing with $100, you can get started with much less than many traditional vehicles.

Read Private Mortgage Investing by Teri Clark to learn more!



Look What Private Mortgage Investing Can Do For You!
2006-07-06T09:13:00.000-05:00
INVESTING IN PRIVATE MORTGAGES  
 Are you receiving a SAFE 10% return on your money?

If not, you COULD BE!!

There is a little known SAFE alternative to 3% CDs and rollercoaster stocks that you may not be aware of...
                             PRIVATE MORTGAGES

Private Mortgage Loans have been quietly available for decades.  Since there are no commissions paid on these investments, you won't see them being sold by your broker, bank or credit union.   BUT are they safe?

 Watch what happens to your investment in JUST 5 YEARS! 
            Amount  ** 3% CD  ** 10% Private Mortgage ** Difference 
  
 
 
 
 
 
 
  $10,000                1,500               5,000                     + $3,500.00
  
 
 
 
 
 
 
  $25,000                 3,750             12,500                    + $ 8,500.00
  
 
 
 
 
 
 
  $50,000                 7,500              25,000                   + $ 17,500.00
  
 
 
 
 
 
 
  $100,000              15,000             50,000                   + $ 35,000.00

To learn more, read the book Private Mortgage Investing by Teri Clark.




Main Advantages to Private Mortgage Investing
2006-07-01T00:46:00.000-05:00
The main advantages to                           mortgage investing are :                         
you receive a monthly                             income with every payment
you get a high rate                             of interest on your investment
your investment is very                             secure,
your equity increases                             as the mortgage decreases
there is usually no                             cost to place your investment funds
To learn more, buy Private Mortgage Investing by clicking here.


Private Mortgage Investing - Real Estate Investment with a safety belt!
2006-06-27T21:56:00.000-05:00
- by Ozzie Jurock
 
Although investing in private mortgages is a minor part of the total investment market those investors who brave the waters are quickly hooked on a relatively safe way of investing in real estate at one remove. Whilst it is not a totally risk free way of earning a return on your capital, it is a risk controlled way.

Private mortgages occur when a borrower cannot qualify under the large number of requirements that the conventional lending sources need to be satisfied before they are able to lend. As banks become bigger so their requirements for cookie cutter deals increases and deals that do not fit the mold are either cut back or summarily declined. Private mortgages fill the gap left when the small trust companies left the scene in the early and mid nineties.

Yields on private mortgages range between 10% for first mortgages to 15%+ for second and subsequent mortgages and to help you make an informed decision, as part of the investment package from any reputable broker you should receive an up to date appraisal as well as details confirming the credit history and earning power of the prospective borrower.

As a real estate investor you should first like the real estate being offered as security because in a worst case situation you will end up owning it. However you will own it at a discount from the appraised value and on this basis it is a less risky way of investing than ownership. In the majority of cases the interest cheques keep coming and you make a return that would make your Banker cry!

To learn more, buy Private Mortgage Investing by Teri Clark and Matthew Tabacchi


Earn 12-18% With Safe Real Estate Mortgages
2006-06-26T17:39:00.000-05:00
Suffering in the Stock Market?

Savings Account Interest Rates At A Long Time Low?

Do you have an IRA, Mutual Fund or other Investments's that are not Earning a 12-18% return on your money?

Convert your Stocks, Bonds, Mutual Funds, Savings, and IRA's into an investment earning 12-18%. Safe Investments and Secured by Real Estate 1st Mortgages!!

 
    *You are in complete control, you are the Bank.
    *You have Collateral. All loans are based on approximately 65-80% Loan To Value 
    *Your investment is protected. You receive security instruments.
    *You receive monthly payments.
    *You have no costs, loads or commissions.
    *Real Estate is a safe, secure investment.

To learn more, buy the book "Private Mortgage Investing."


Collecting payments and mortgage management
2006-06-21T09:23:00.000-05:00
Getting paid on time is the most important thing about investing in mortgages.

You can send your borrowers:

   1. a statement every month (with or without a return addressed envelope)
   2. 12 payment coupons at the beginning of the year (with or without return addressed envelopes)
   3. 12 envelopes addressed to you at the beginning of the year
   4. nothing and just tell them you expect to be paid on time

To find out more about Private Mortgage Investing, click here.


More About the New Book - Private Mortage Investing
2006-06-20T15:16:00.000-05:00
In recent years, stock market investing has been proven unstable and not very rewarding. In fact, many people have seen their retirement and personal holding accounts dwindle. This new book provides an alternate to investors. It provides detailed information on how to put money to work in a relatively safe private mortgage investment with a high return of 12 to 15 percent (or more) in most cases. 

Private mortgages have grown into a multi-billion-dollar industry. This market allows investors to earn substantially higher yields—while offering the security of real property to back the loan. Private mortgages have become an important fixed income vehicle for many investors with their personal funds, equity, and self-directed IRA accounts. 

Private mortgage investing isn’t for the get-rich-quick type of person. However, you can comfortably double your money every 4 to 6 years. For example, should you invest in your self-directed IRA and re-invest as notes pay off? $100,000 at 12 percent grows to over $200,000 in six years, to $500,000 in 13 years and to over $1 million in 19 years. 

Private mortgage loans are backed by real property. Generally, you would not lend more than 55 percent on the value of the property, thus the investment is again relatively safe. Instead of concentrating on the borrower’s credit history, private mortgage lenders concentrate their investment decisions on the real property itself. 

However, like any business or investment, there are a lot of details to learn, and you do not need to learn them on your own. Learning them on your own can be costly. In this economic environment of very low interest rates, you can still earn high yields with virtually little or no risk to your investment. Find out how by buying the book!


New Book  - Private Mortgage Investing!
2006-06-19T11:47:00.000-05:00
Private Mortgage Investing: How to Earn 12% or More on Your Savings, Investments, IRA Accounts and Personal Equity--A Complete Resource Guide with 100s ... Secrets From the Experts Who Do It Every Day (Paperback)

by Teri B. Clark, Matthew Stewart Tabacchi  

This new book provides detailed information on how to put money to work in a relatively safe, private, mortgage investment with a high return of 12% – 15% (or more) in most cases. Private mortgages have grown into a multi-billion dollar industry This market allows investors to earn substantially higher yields—while offering the security of real property to back the loan. Learn how private mortgages have become an important fixed income vehicle for many investors with their personal funds, equity and self-directed IRA accounts.

Buy the Book here, at Atlantic Publishing Company

Amount 3% CD 10% Private Mortgage Difference**

$10,000 1,500 5,000 + $3,500.00

$25,000 3,750 12,500 + $ 8,500.00

$50,000 7,500 25,000 + $ 17,500.00

$100,000 15,000 50,000 + $ 35,000.00