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AGENDA

AGENDA. What is Private Mortgage Lending ? What’s in it for you.? How you benefit. Please hold your questions for two reasons : 1) I’ll probably answer it anyway. 2) Some folks are on time restraints. ,. How Does Your Bank Make Money Today?. They take in money on CD’s. (You)

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AGENDA

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  1. AGENDA • What is Private Mortgage Lending? • What’s in it for you.? • How you benefit. • Please hold your questions for two reasons: • 1) I’ll probably answer it anyway. • 2) Some folks are on time restraints.,

  2. 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’m cutting out the middle man.

  3. Private Lender ProgramOverview • 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) Think of it like you would a Bank CD

  4. Private Lender ProgramHow it Works • We locate a property we want to buy. • We borrow from you to purchase the property. • 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.

  5. How it works Purchase House Documents Securing Investment Private Lender 8% - 10% Interest Payments Lease Payment Tenant Buyer

  6. Private Lender ProgramPayments 1) We make MONTHLY payments of 8% simple interest. Or 2) We make QUARTERLY payments of 9% simple interest. Or 3) The interest ACCRUES at 10% until the house is sold and you get (1) check for principle and interest.

  7. Our Guarantee • We won’t lower your rate as long as the money is invested on a property. • We guarantee you 8% simple interest. That’s the least you can make.

  8. Early Withdrawal Penalty Yield 12 Month Return 2.5% $375 Assuming a $15,000 Deposit A bank’s (6) month penalty is only $175 on this CD. You still would make $950.00 more even with the penalty. There is NO withdrawal penalty with us!

  9. Private Lender Program$25,000 Loan Sample • $25,000 x 9%= $562.50 per quarter. • This is $2,250 per year. • A bank CD @ 2.5% pays $625 per year. That’s a difference of $1,625 per year!!!

  10. How Can We Buy HousesSo Far Below Market Value? • Our specialty is distressed properties that usually need 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.

  11. Documents Securing Your Investment • Promissory Note • Mortgage • Hazard Insurance Policy • Title Insurance • Appraisal (if requested) Lenders have no expense

  12. Your BIGGEST Concern:Protection of Principle • #1 Rule: Money borrowed is no higher that 80% Loan-to-Value after all renovated work is completed. Additional security because we don’t over leverage the property.

  13. Your BIGGEST Concern:Protection of Principle There Is Always Plenty of Equity Above Your Loan. $175,000 After Repaired Value $140,000 Max Loan 80% loan to value

  14. Take Control Of Your Future Do You Have Money in IRA’s, 401K Pension Plans You can self direct your IRA (Traditional/Roth) or pension plan. Your returns stay tax deferred or tax free. It’s simple, easy and we do the work.

  15. You’re In ControlWe Do the Paperwork • Open account with EnTrust CAMA (Called Third Party Administrator) • Rollover funds to EnTrust: From your current TPA • Self direct funds to closing • You earn 10% (accruing) • When house sells (Closes), funds are sent directly back to EnTrust • You decide if you do it again!

  16. Whole Life Insurance Policies? • Borrow your cash value, which is earning CD rates of return. • Loan back out to JLB Holdings, LLC to buy house. • You earn 10% (accruing)

  17. Got IRA Money? • 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.

  18. People Who Sell Us Houses • Banks • Private Individuals • Realtors

  19. People Who Buy HousesFrom Us • Achieve the American Dream of home ownership. • Many could not buy without our special programs and willingness to go the extra mile. • Credit Challenged, Newly Self Employed, New To Area

  20. What Happens to My Investmentif James Dies • 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.

  21. Agenda • Private Lender Program • Company Overview • History • Dream Team

  22. Company Story • From meager and humble beginnings this year, a new company called JLB Holdings, LLC was born. It is becoming a serious real estate investment firm located in Lancaster County area. • Our goal is to grow the company by providing affordable housing to tenant/buyers and 1st time homeowners. • In time, its scope will encompass other counties in the Susquehanna Valley area.

  23. Company Story Continued • The company is a private for-profit real estate investing company. • We acquire, rehab, and lease (or sell) residential real estate.

  24. Competitive Advantage • Our competitive advantage is speed to purchase a property with private investor help and knowledge of creative real estate techniques. • Spent over $15,000.00 on specialized education, including seminars.

  25. JLB Holdings, LLC • We are a Limited Liability Company. • Short-term hold properties. • Manage rentals. • Specialize in Short-Sales

  26. How To Find Us • Mailing Address: 541 Solanco Road Quarryville, PA 17566 • Web Site: www.jlbholdings.com • E-Mail: james@jlbholdings.com

  27. Our Website:

  28. Our First Deal:

  29. Opportunities Lost - Bank Owned - 519 Poplar Street Denver, PA 17517 Price: $79,900 Value: $149,400 Offer: $86,000 Repairs: $18,500 Loan: $109,500 Interest: $10,950 Profit: $28,950 (all lost)

  30. Opportunities Lost - Pre-Foreclosure - 431 Central Manor Rd. Mountville, PA 17554 Price: $179,900 Value: $177,900 Offer: $119,500 Repairs: $10,000 Loan: $134,500 Interest: $13,450 Profit: $29,950 (all lost)

  31. 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.

  32. The Next Step? • By now you know how this program works and how you can earn 8%, 9%, or 10% starting today. • You have (3) options: We hope you decide to join our team!

  33. 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 - Set up a ONE-ON-ONE meeting before you leave to discuss more details 3) Option Three – FILL OUT the interest form and leave it with us. We’ll be in touch very soon!

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