Professional Documents
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Up to 75% LTV
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own capital, Civic provides up to 75% LTV of as-is value with no minimum FICO
requirement. Got a project in mind? Call us at the number below. Well show you
Corporate Headquarters
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310.504.3618 / www.civicfs.com
2016 All rights reserved. This is not a commitment to lend. Restrictions may apply. LTV limit is based on current, accurate appraised value. Civic Financial Services, Inc. reserves
the right to amend rates and guidelines. All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, Inc. is a California Finance Lender under
NMLS 1099109 and the California Department of Business Oversight license #603L321, AZ Mortgage Broker license #092863, ID Mortgage Broker/Lender License #MBL-8288,
OR Mortgage Broker License #ML-5282, and WA Consumer Loan Company License #CL-1099109. Civic Financial Services, Inc. is an equal opportunity lender.
Money411
Money411
WINTER ISSUE 2015
Money411
P R I VAT E
CONTENTS
CONTACT US:
805.693.1497 or
info@realty411guide.com
PRIVATE MONEY411
Join Us for Our Cashflow Expo in Los Angeles on March 5th, pg. 14.
WELCOME
Realty411Guide.com
PAGE 4 2016
Private Money411
A Real Lender
with its Own Cash
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This information is for use by mortgage professionals only and should not be distributed to the general public. All loans are made in compliance
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made or arranged in Nevada or Arizona must be represented and originated by a mortgage broker qualified to do business in that state.
AL
BULLISH
ADVANCE
BULLISH
ADVANCE
By Tim Houghten
Realty411Guide.com
PAGE 7 2016
demand.
There is no question that ZINC
Financial is placing its capital where
its predictions are. If lower rates, and
new states, arent enough; just wait
till you learn about this lenders latest
program
CALIFORNIA
WASHINGTON
NEW MEXICO
ARIZONA
TEXAS
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INDIANA
Private Money411
By Carl Schiovone
n my previous article,
The Benefits of Using
a Private Lender, I
touched upon some of
the outstanding advantages when leveraging
private lenders to fund your
projects. In this article, I
would like to do a deeper
dive on this topic. One area
that I see so many people
struggling when trying to get
their Private Lender program
off the ground is attracting
their initial lenders. Logically,
if youre a successful Investor with many completed
projects in your portfolio,
typically, people are ready
and willing to throw you
money based upon your
past successes. However,
for the Investors who are
either new to the real estate business or to private
lending, this initial start-up
may come with its share
of barriers. With that being
said, lets talk about one of
the most successful strategies to gain the confidence
of your new potential private lenders or to scale up
current lenders to a higher
capital commitment level.
Realty411Guide.com
Private Money411
were in attendance.
This would be a great
way to get them to the
next level. In addition, they may be able
to provide you with
feedback on what they
would like to see in
future events.
Capture these events
You may also want to
consider capturing these events by
doing a video. Think about the possibilities of packaging these videos
for your marketing.
Planning your Open House Event
Make sure to give people proper notification in order for them to attend
and let them know that this event
will last two hours (or whatever you
have scheduled for) and that they
should plan to be there for the duration. Remember, most people think
about an open house as stopping
by anytime during the scheduled
time window. You may want to have
chairs and even refreshments avail-
INVEST IN
YOURSELF
The latest strategies
and techniques from
leaders in real estate
are at your fingertips!
Creating Your
Process
As you complete your open
house events, you should consider making this event part of your
standard word and create template that can be used in future
events. You can have a blank
template that can be filled with all
relevant pictures and data. Using
this approach, it will make it much
easier to plan your next event.
In conclusion, the open house
Continued on pg. 42
DIGITAL &
INTERACTIVE
REIWealth
mag.com
Industry Leaders
are Welcome
as Our Guests
at Our Financial
Events, Join Us!
Reserve Your
Participation @
805.693.1497
Explode your influence
and connections in the
financial services industry.
Whether you are based in the West or East Coast, you will
have the opportunity to network, learn, and mingle with
extraordinary finance leaders and speakers.
Money411
Finance Conference
Saturday, March 5 - 9 am
LONE STAR
Real Estate Expo
Dennis Henson
Dolf de Roos
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Road Map of
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CREDIT SENSE
PAGE 16 2016
Private Money411
REICredit.com is a Phenomenal
Learn more in this exclusive interview with Bill Malone, the CEO of REICredit.
com. Malone is a specialist in the field of corporate finance; he has helped
fund the investment transactions of hundreds of real estate investors.
PM411: What kind of capital do you offer for real estate
investors?
Malone: We help our clients get access to unsecured revolving lines of credit for their businesses that will report to the
business credit bureaus, Corporate Experian and Commercial Equifax
PM411: Oh! We hear people talk about business credit all
the time! How are you helping clients understand business credit?
Bill: Most people dont realize that there are four main
tiers of business credit. Most companies that offer business
credit focus on the first three
tiers, because they are easiest
to obtain approvals.
Realty411Guide.com
PAGE 17 2016
Private Money411
in real estate, our clients only need to apply one time to have
ongoing access to capital through our revolving line of credit
program.
For example, an investor purchases a property, and uses
our revolving accounts to finance rehab expenses. Once the
property is flipped and sold, the investor can pay off the balances on their revolving lines, and have capital immediately
available to finance their next project.
A majority of our real estate investors take advantage of
their 0% introductory periods and can expect to receive additional 0% interest offers on their accounts, after responsibly
managing them for six months.
PM411: What if my investing company is brand new?
Can I still get capital?
Malone: Absolutely! A majority of our clients have brand
new businesses! As long as our clients have an existing
business and a strong personal credit profile, we can get
them approved for real estate capital.
PM411: Do you require financials on the business or
individual?
Malone: Our program is completed on a stated income application. For clients, this means they do not need business tax
returns or collateral to get approved.
PM411: How fast can clients get capital from you?
Malone: Clients will be able to find out if they qualify within
one business day. If the client qualifies and decides to proceed with the approval process, they can expect to have their
approved capital in hand within three weeks.
PM411. What can the capital be used for?
Malone: The capital can be used for any business related
expenses. Many clients use their approved lines to cover everything from accountant payments, rehab costs, materials,
education, fuel, office supplies, etc.
PM411: How important is it for a real estate investor to
establish business credit?
Malone: I believe it is imperative. Getting and establishing
working capital is essential for any small business, especially real estate investors.
Over 200,000 new businesses are formed each year in the
United States with half of them failing within their first five
years. The U.S. Small Business Administration states the
top two reasons for failure are: 1. poor management and 2.
lack of working capital.
Ensuring the success rate of any business requires reliable
and obtainable financing, REICredit arms our clients with
the working capital they need to succeed.
PM411: Thank you for taking the time to speak with us.
Malone: Its a pleasure. Thank you for the opportunity.
PAGE 18 2016
Private Money411
ccess to capital has always been first priority for investors within the SFR rental
and fix/flip marketplace. Many investors purchase their first few rental properties
using more traditionalmethods such as the all-cash transaction, the tapping of
family members or other private money sources, or simply by utilizing conventional mortgage products. But what happens when an investor wants to expand his or her portfolio
beyond a few properties? Enter Colony American Finance. Colony American Finance
(CAF) is a non-bank, direct lender specializing in financing for residential, non-owner
occupied rental properties, including single family residences, 2-4 unit buildings, small
multi-family properties with 20 or fewer units, and even broken condominium projects.
HUGE MARKET OPPORTUNITY
Statistics show that nearly 35% of Americans now rent
instead of own. Drill further into the statistics and youll
find that 54% of renters choose single-family homes or
2-4 family units. Consequently, it makes perfect sense
that investors are looking to 1-4 unit residential properties instead of owning larger multi-family apartment
style buildings, retail centers or office buildings. 1-4 unit
residential properties have a lower price point, the ownership risk is spread out among multiple structures and
the overall expense ratio is lower. Renters in single family housing also tend to pay their own utilities, maintain
the landscaping themselves and have access to municipal
water/sewer/garbage at a much lower rate than through
private service, making property management easier for
the investor.
Rental demand is projected to change significantly
over the next ten years, primarily driven by the changing
nature of the household. Baby boomers are moving in
with their children or into senior housing and millennials
are favoring renting over owning because of its flexibility and lower commitment level. Plus, with the volatility
in certain markets, many former homeowners are now
choosing to rent and preserve their capital by having a
more fixed monthly housing payment. Being well versed
in the changing market is the key to having a profitable
portfolio.
Realty411Guide.com
FIRSTHAND KNOWLEDGE
OF SFR RENTALS
Colony Capital, Inc. (Colony Capital) and affiliated
companies incubated CAF as a strategic extension of
various Colony Capital affiliated investment vehicles and
platforms, including Colony American Homes (CAH), an
institutional owner and operator of approximately 19,000
SFR properties,In the wake of the financial crisis of 2008,
CAH was formed to activelyacquire, rehab and manage a
large, nationwide portfolio of SFR rental properties.
CAFs current Chief Operating Officer, Ryan McBride,
knows exactly what it takes turn an idea into a realty.
As one of the cofounders and the head of acquisitions at
CAH, he had the opportunity to help build the business
from the ground up. He learned that physical presence
in target markets is the key to really understanding the
specific collateral and investment opportunities that exist
within each region.
Because of this experience, CAFhas built a boots on
the ground approach with field presence in several regional markets across the US. Additionally, CAF has
been able to leverage its relationship with CAH to better
understand individual markets and their unique opportunities and challenges. This ultimately allows us to customize each loan opportunity to our borrowers needs,
PAGE 21 2016
Private Money411
Term: 18 to 24 months
Term: 5 to 10 years
Loan Amount: $500K to $100 Million
PAGE 22 2016
Private Money411
part of the project: the acquisition. Our fix and flip lines of credit start at $500,000 and top out at
$50,000,000, meaning we have
the ability to assist the smaller, local investor, as well as the larger,
more institutional investor. Lines
are revolving or non-revolving
and are 18-24 months in term, depending on the line chosen. The
line can be used at time of initial
acquisition or as reimbursement
of a prior cash purchase while
rehab and sale is underway or
until the investor can refinance into long term financing.
NON-BANK SINGLE ASSET LOANS
This autumn, CAF will be launching a single-asset
loan product designed specifically for the investor who
doesnt yet hold five investment properties, or for those
investors who may not want to tie up all of their holdings
into a blanket loan. The single asset product will be a
fully amortizing product with rates fixed for 30 years.
Look to our website or contact your local market originator for more information on this product launch.
The following summarizes our short and
long term financing options:
Customer Experience is Key
As with any financing transaction, customer service
and communication is critical. From the very beginning, the borrower is involved in the process. CAF is
constantly evolving its product offerings to match the
investor demand while reducing complexity. By tailoring loan requirements to each borrower, CAF can offer a
customized solution at an affordable price.
Per Ryan McBride, COO, Our past experience with
Colony American Homes as a landlord makes us more
sensitive to borrower and property manager issues and
needs. This focused understanding allows us to relate to
and work with our borrowers.
Colony American Finance was very helpful in financing our portfolio of single-family homes. Their rates
were competitive and their service was extremely professional. I would highly recommend then to anyone looking to finance their own portfolio. Victor D., Investor.
CAF and their team have been a large part of our sucRealty411Guide.com
cess in the Atlanta market. We highly recommend any investor looking to expand
their holdings consider term loans and
long term financing opportunities with
CAF. Their rates, service and support are
second to none. They are a valued member
of our team. Chris Z, Investor.
Proven Management
Our President, Beth OBrien, brings over
20 years of industry specific knowledge to
the firm. Prior to joining CAF, Ms. OBrien
was Executive Vice President at Auction.
com, where she was responsible for the residential capital markets division, setting the
financing strategy for the platform. At Auction.com, she
managed over two billion dollars of single-family and
multi-family loan sales and multiple financing partners.
She also founded a proprietary private money lender
geared at the investor market. Ms. OBrienholds a J.D.
from Georgetown University Law Center aB.A. from the
University of Pennsylvania and was named a Woman of
Influence in Housing by Housingwire Magazine in 2014.
Serving as COO since August 2014, Ryan McBride also
embodies the progressive spirit of CAF. Prior to joining
Colony American Finance, Mr. McBride served as the
Executive Vice President of Acquisitions/Operations of
Colony American Homes where he was responsible for
acquiring properties for the portfolio, as well as overall
operational activities. Prior to joining Colony American
Homes, Mr. McBride was a Senior Managing Director at
Carrington Investment Services, LLC where he was responsible for directing the firms single-family residential
rental strategy, capital formation and evaluating merger and acquisition opportunities. Mr. McBride holds an
M.B.A. in Finance from The Fuqua School of Business at
Duke University and a B.B.A. in Finance from The College of William and Mary.
A Billion Dollars and Counting
We are proud to report that in September of 2015, we
achieved the benchmark of closing over $1Billion in new
loan transactions within our first 18 months of operations.
With our experienced local originators, seasoned management, aggressive loan products, and positive client experience, we look forward to a long future of providing
sensible, flexible loan solutions to SFR investors.
- Written by Dennis Spivey and Jennifer Goralski -
PAGE 23 2016
Private Money411
YOUR ENEMY!
F
Realty411Guide.com
PAGE 25 2016
Private Money411
OPM=
Realty411Guide.com
PAGE 26 2016
Private Money411
A REAL HERO
Attention Investors:
Pre-Qualify Today!
steve.bighaus@snmc.com
NMLS#: 112825
This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation,
sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting
guidelines, interest rates, and program guidelines and are subject to change without notice based on applicants eligibility and
market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in
payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Security
National Mortgage Co. is an Equal Opportunity Lender.
NMLS# 3116
Savvy
Success Story
theentrustgroup.com/InvestorSuccess
FREE DownloaD
555 12th Street, Suite 1250 | Oakland, CA
1.800.392.9653 | www.theentrustgroup.com
STRATEGY
Deeds
of
Trust
A Not so New
INVESTING
Realty411Guide.com
by traditional banks.
Due to the rise of real estate securitization in the 1990s and the
shift from lend to hold to lend to securitize, deeds of trust have
become a common way for builders and developers to purchase real
estate. Besides purchases, deeds of trust can also be used for loans
made for other kinds of purposes, such as construction and development, where real estate is merely offered as collateral. Non-traditional or indirect financing offers benefits for the borrower that is not
met through traditional bank financing.
Banks are limited in the amount of money, or the percentage of
their lending portfolio, that can be lent out for commercial construction and development. Also, banks rely heavily on the creditworthiness of the borrower when evaluating loan requests. Trust Deed
lenders effectively evaluate the borrower but focus on the collateral
has a greater determining factor for a loan. Since these loans tend
to be short-term, less than 5 years, higher rates can be charged and
still be advantageous for the borrower when compared to the lengthy
process involved to obtain bank financing, if a viable alternative.
Another primary reason for not hearing about Deeds of Trust
investing has to do with geography and how home financing is
executed. In 20 of the U.S. states the laws regarding financing of
real estate purchased is regulated and facilitated under state agencies. These states use Deeds of Trust instead of traditional mortgage
notes to execute home purchase transactions. In states that use deeds
of trust, there are always at least three parties involved; the borrower, the lender, and a trustee who holds title to the property until the
debt is paid. In the remaining states mortgages are used to facilitate
residential lending direct from the lender to borrower. In mortgage
states, the transaction involves two parties; the borrower and the
lender. Should the borrower default on the loan, the lender must
sue the borrower in a state court in order to take possession of the
collateral property.
The term, Mortgage, is sometimes used when trying to explain
Trust Deeds. However, the concept behind a mortgage and a trust
deed are similar with some major differences. >
PAGE 29 2016
Approach to
Private Money411
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PAGE 30 2016
Private Money411
The #1
Turnkey
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The goal of our turnkey process is to provide a reliable, consistent,
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Realty411Guide.com
PAGE 32 2016
Private Money411
Real Estate
Investing
Made Easy
The Next Big Thing is already here....
BUYERS, SELLERS, AND LENDERS ALL AT YOUR FINGERTIPS
Faster, easier
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Welcome to the
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Call 1-800-712-6050 to see
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Efficient to raise
Fast funding to put into play
Zero hassle in qualifying
Great terms
A little patience & understanding when you need it
Helping those you care about the most
Most of us have had that one friend that has an incredible entrepreneurial spirit. They are filled with inspirational
passion that overflows and bubbles over. Only they never
stick with anything for long. Eventually, they only become
your friend when they need early adopters or more cash.
Yet, if you do really have something valuable that can help
those you care about, you are really doing them a disservice
but not turning them onto it.
Imagine one of your friends or siblings having the cure to
a chronic medical condition you, your spouse, or children
had, but they never told you about it. This definitely applies
to finances. If you can help others not just achieve their
nice-to-have dreams, but to provide the essentials for their
family, secure needed health care and education for their
kids, and give them the ability to provide for themselves
through retirement and to spoil their grandkids, you must.
You at least owe it to them to alert them to the opportunity.
THATS GIVING, NOT TAKING
The best way to cross this bridge is often just to show
them what it is doing it for you. If thats something they are
interested in replicating for themselves, let them know how
they can participate. If that means investing with you, or
investing in you, thats not taking; thats helping them. Still,
whether you go over this out at dinner, around your own
kitchen table, or in your office make sure they are investing
wisely too.
Relationships are priceless. Great ones are rare and take
work to develop, but can so easily be ruined. Maybe youll
begin by giving them a copy of this book to read, or help
them get other parts of their mindset and finances aligned
first. But at least for me; if I ever accept investment funds
from people I know (or anyone for that matter) I tell them
not to invest any more than they can afford to lose.
While I am 99% confident in this investment, crazy and
unexpected things can happen. So if giving me that much
money to put to work for you is going to mean you dont
speak to me again if lose it dont do it. Or start with a
smaller amount. Protect their interests, do everything you
can to serve them.
PAGE 36 2016
Private Money411
If you want to become a fund manager, and operate a fund, the first
real step is to talk to a law firm that really specializes in this area.
investment opportunities and can invest in a wider variety
of choices, even if they dont meet the old accredited
investor requirements.
Its really all about crowdfunding. Crowdfunding platforms have been gaining traction and evolving over the last
few years. There are now well over a hundred crowdfunding website platforms ranging from donation crowdfunding via Go Fund Me, Kickstarter, and Indiegogo, to equity
crowdfunding portals for startups, and specialized real
estate crowdfunding options.
These online platforms make it easy for individuals
and companies to raise money. So far it has been used to
fundraise for everything from eating burritos to the Hard
Rock Hotel in Palm Springs.
However, while the websites and names are new, the
concept certainly isnt. Crowdfunding is essentially people
getting together to fund things they care about, or which
provide them a return for their investment. This has been
done through various forms of partnerships, syndication's,
and groups for centuries. Its been used to develop and
control real estate since at least medieval times by kings
and queens, and on a very small scale by families helping
each other buy homes to live in.
When it comes to investing in debt and notes, various
type of crowdfunding can be used. This could theoretically include donation crowdfunding, establishing a niche
Realty411Guide.com
PAGE 37 2016
Private Money411
those that are trying yoga, or fundraising for the first time,
versus those that have gotten some practice in. If youve ever
tried yoga, youll already know all too well the wobbling,
muscle contorting sensations, and visible clumsiness that
comes as a first timer. And you wouldnt pick an obvious
first-timer as an expert yoga instructor would you? You want
an instructor that looks and acts the part, and can help you get
the same results. The same applies to investing, fundraising,
and financial advisors.
So start by getting your stance right:
Know your why
Know how much you are going to raise, and by when
Invest in your education, and have the knowledge you need
Be supported by a great board of advisors and team members
Develop great habits
Create great branding and presentation materials
Look the part
Be confident
You attract what you are. Money comes easily and frequently when you have the right stance and expectations.
Make sure you can check off the items above and youll
find that money is far more abundant than you ever imagined.
All too often the biggest challenge is that we simply dont set
our expectations high enough. I remember when I started out
raising private money and sharing these concepts and investment opportunities.
We began with requiring a minimum investment of just
$5,000. In hindsight; that was ridiculously low. It meant a
lot more work raising money from more people, rather than
raising larger amounts from fewer people. Now having other
sophisticated and experienced investors and money managers call in eagerly wanting to invest six figures is just a daily
occurrence that happens on autopilot. If youve invested in
yourself, in your fund organization, and are achieving solid
results you should be confident. Never undersell, undervalue yourself, and the value of your opportunity. That doesnt
mean letting your ego swell to gargantuan proportions. Just
understanding how much value you really have to offer.
GETTING ORGANIZED
Beyond organizing and formalizing your fund or business
in terms of legal structure, accounting, and team members,
the following are some of the specific items and tools that can
be used in raising money
Business plan
Credibility package
Prospectus or investment opportunity presentation
Pitch decks
Website
PAGE 38 2016
Private Money411
Fuquan Bilal
Blog
FAQs
An elevator pitch
Social media pages
Email marketing messages
Business cards
PAGE 39 2016
Private Money411
EXPERIENCE
MAKES THE
DIFFERENCE
y411
NOW!
ANCE YOUR DEALS
MONEY411 FIN
INSIDE: PRIVATE
Realt
Network
Print Online
Vol. 5 No. 4
2016 |
A Resource Guide
for Investors
guide.com
www.realty411
Cashflow with
CONFIDENCE
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Wealth nd
Real rs Rich a
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Kathy create fre w
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PAGE 40 2016
Private Money411
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PAGE 42 2016
Private Money411
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