Who, What, Why, Where, and When
Security, History, & Accolades
History & Awards
In over 20 years there has never been a missed interest payment or loan payback to a Private Lender. How and why? The highly successful track record spans over two decades from a portfolio which includes revenue from:
- New build home sales
- Rental income from both apartment and residential properties
- Rent to own homes
- Remodel home sales
- Lot sales
- Land development
- Rental management companies
​This flexibility allows them to successfully follow the trends of the real estate market and take full advantage of their diversified portfolio. Additionally, they consistently earn awards from home builder associations, earn awards for customer appreciation, earn awards for being the largest builder, and they have earned top ratings from both the “Better Business Bureau” (A+) and “Dun & Bradstreet”.
Location & Duration
By connecting your client with one of the largest homebuilders in Southern Wisconsin who has also expanded into the Dallas and Scottsdale metro markets - both cities have had tremendous growth - you will be able to offer your clients the chance to diversify and solidify their financial future and offer guaranteed interest rates that are much higher than the commonplace options offered by other agents, advisors, and brokers. Your clients can defer interest or take monthly payments in each of the 2, 3, 4, and 5-year walk-away terms. At the end of the term, your clients can request a full payout, renew all of the funds, renew and choose multiple durations, and/or receive a partial payout and renew the balance all while participating in a passive approach to real estate investing for steady returns.
Safe & Secure
By loaning funds, your client will be secured by being placed upon a lien on a tangible piece of property ranging from a new build home, normally with a price range typically between $500k to $1m, to rent-to-own new builds in the same pricing range, to real estate, etc. Your client will receive a copy of the lien which is recorded on and can easily be verified /viewed by checking government websites, specifically the county assessor’s office, throughout the term’s duration. The lien can only be released when your client signs a Lien Release (a "satisfaction of mortgage") in front of a notary. It must be notarized as the Lien Release will not be accepted by the county Register of Deeds office without a notarized signature. Furthermore, your client will receive a promissory note detailing the contractual interest to be paid.
The Importance of Diversification
With Guaranteed Interest Rates
Diversification is a critical element of investing that helps maximize returns while minimizing risk. It involves spreading your investments across different types of assets and companies, rather than putting all your money into one investment.
Reasons why diversification with guaranteed rates is important:
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Asset Protection: Diversification helps increase the likelihood that some of your investments will do well while others do not. By using a guaranteed interest rate product, you need not worry about decreases in rates, stocks, bonds, funds, etc.
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Eye on the road: Diversification can put you in a stable financial portfolio to withstand dips in the market, dips in rates, and helps maintain focus towards reaching your financial goals. Knowing the specific rate, you will receive on part of your diversified portfolio gives you confidence in reaching your goals.
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Reduces risk: Diversification can help you avoid large losses by reducing the impact of a single negative event on your portfolio. For example, if you only invest in stocks and the stock market crashes, you could lose your entire investment. Alternatively, you can greatly mitigate losses by including guaranteed interest rate products in your portfolio.
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Increases returns: Diversification can help you achieve consistent good returns. Guaranteed interest rate products increase the likelihood of a consistent average over time, even in a down market.
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Widens access to opportunities: Knowing you have a given rate of return in one class, diversification can help you access different opportunities.
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Builds a balanced portfolio: Diversifying your portfolio can help you build a balanced portfolio that includes risky, balanced, dividend, growth, stable, safe money investments, and guaranteed interest rate products.
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Decreases volatility: By nature, if you are diversified, volatility will be mitigated; that is, while one asset decreases another asset increases and when combined with specified guaranteed rates, your portfolio performance remains positive over time (even if minimally positive).
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Income in a down market: Using guaranteed interest rate products allows you to give time for your down portfolio assets to recover from losses. Whereas without these plans you would sell at a loss, you can use the interest from these products in lieu of selling.
Why a Collateralized Note is Preferred
Your clients become the “bank”, which we call a "Private Lender" in a commercial loan, and will enjoy fully collateralized security by participating in the Secured Capital Program. Specifically, your client will be party to a Collateralized Note.
A Collateral Note is a type of Secured Note/Loan which is a contractually written promise by one party to pay money to another party. A Collateral Note is backed by a pledge of real or personal property as collateral – which is to say tangible property not intangible like a stock, bond, annuity or a CD. This means that if the borrower defaults on the loan, the lender can take possession of the collateral to recover the amount owed. A Collateral Note is preferred by lenders as "...Secured Loans are much less risky for lenders...Secured Loans are preferred by lenders" (Forbes, Lindsay VanSomeren, n.d.). Capital One Bank (2024) states, "Because {the lender} is backed by collateral, secured loans are considered less risky for lenders." The Resolve Network states, "Secured Loans offer an extra layer of protection for the lender." Metro Credit Union (MA) states, "You can borrow larger amounts because lenders are confident they will get their money back.", "the lender is taking on less financial risk", and Bankrate (Jerry Brown, 2024) continues by stating ..."Secured Loans {from the borrower's perspective} may be the best option if you’re confident about being able to make timely payments." In other words, by pledging personal assets, the borrower is highly confident they will continue to pay interest and return the principal at the end of the term.