Private Lending Topic

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Copyright 2010. Apex Investments, LLC.

Private Lending

David W. Campbell

President

Apex Investments, LLC.

WELCOME

We are so glad that you are here and this presentation will help us get acquainted.

I really want you to understand what we have to offer.

I’ll stick around after the presentation to answer individual questions also.

This is not a public offering or offer or invitation to sell securities or make an investment. Securities are offered or sold by registration or exempt offering only.

Agenda

What is Private Mortgage Lending? What’s in it for you.?

– How you benefit.– These are examples, subject to change.

What’s in it for Apex Investments?– Get more deals done.– Remove the bottleneck.

Please hold your questions for two reasons:1) I’ll probably answer it anyway.2) Some folks have time constraints.

How Does Your Bank Make Money Today?

They take in money on CDs. (You)

They then loan the money out at a superior rate of interest to other people to buy houses. (Me)

I am cutting out the middleman.

You get to be the bank!

Inflation

Private Lender ProgramOverview

We buy, sell and hold houses. Your funds are borrowed for the

purchase and secured against an actual piece of property.

We pay you either 9 or 12% to use your money.

It is really a very simple plan.

Private Lender ProgramHow it Works

1) We locate a property we want to buy. 2) We borrow from you to purchase the

property. 3) 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 because banks prefer cash buyers.

Cash is king!!!

How the System Works

Private Lender

Purchase House

Documents Securing

Loan

Tenant Buyer or

Sell

9%-12%

Paid to Private Lender

If Rental, Rent

Payment

Find A House

People Who Rent Then Buy Our Houses

Achieve the American dream of homeownership

Many could not buy without our special programs and willingness to go the extra mile

Private Lender ProgramPayments

1) We will make monthly payments if you like a monthly income. (9%)

Or

2) The interest accrues until the house is sold and you get one check for principal and interest. (12%)

We always pay a minimum of 6 months worth of interest!!!

Early Withdrawal of Your$100,000 CD

Yield 12-Month Return2% $2,0009% $9,000

A bank’s 12-month penalty is only $1,500 on this CD (1.5%).

You still would make $7,500 more even with the penalty.

There is NO withdrawal penalty with us after first 6 months!

12% $12,000

Whole Life Insurance Policies?

Borrow your cash value, which is earning low rates of return

Loan back out to Apex Investments, LLC. to buy houses

You earn 9-12%

HELOC (Home Equity Line of Credit)

Borrow at a low percentage Lend at a high yield

Example:

9% of $50,000 = $4,500/year

This HELOC would be $253.34/mo., but we pay you $375/mo.

That’s $122/mo. more working for you!

PLUS appreciation on your house!!!

Again, you become the bank!

Investment Advertisements:

Private Lender Program$100,000 Loan Sample

$100,000 x 9% = $750.00 per month. This is $9,000 per year. A bank CD @ 2% pays $2000 per

year.

That’s a difference of $7,000 per year!!!

Conditions:

$15,000 minimum investment Six-month minimum time-frame 90 days to return funds if you

absolutely need an early withdrawal.

How Can We Buy Houses So Far Below Market Value?

Our specialty is distressed properties that usually need renovation (foreclosures).

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 then putting them back to good use after renovation.

Documents Securing Your Loan

Promissory Note filed as a Mortgage

Hazard Insurance Policy Title Insurance After-Rehab Value (ARV) Appraisal

-All the same docs the bank requires!

- Lenders have no expense!

Your BIGGEST Concern:Protection of Principal

#1 Rule: Money borrowed is no higher than 75.00% Loan-To-Value (LTV).

Additional security because we don’t over-leverage the property.

75.00% Loan-to-Value

$100,000 After- Repaired Value

$75,000 Max Loan

There Is Always Plenty of Equity Above Your Loan.

Take Control Of Your Future(Triggering Events)

Have You: Retired Been laid off Quit your job

Has your employer changed ownership?

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.

Have you invested in an IRA, 401K or Pension Plan?

You’re In ControlWe Do the Paperwork

1. Open an IRA account:(Called Custodian)

2. Rollover funds to Equity Trust(from your current custodian)

3. Self-direct funds to closing.4. You earn 9-12%5. When house sells (closes), funds are sent

directly back to your custodian by the title company.

6. You decide if you do it again!

You’re the bank in control!

People Who Sell Us Houses

Banks Private Individuals Realtors Wholesalers Other Investors

BUT cash is KING with foreclosures!

What happens to my loan in the worst-case scenario?

• Business is structured to sell properties and pay you off.

• Team of accountants, lawyers, insurance agents, business partners and relatives all step in.

• The property will be sold and your principal and interest will be paid as agreed.

• Your loan is still secured by the property.

• Physical catastrophes are covered by insurance naming you as loss-payee.

Agenda

Private Lender Program Company Overview

– History– Dream Team

David Campbell & Apex Investments Story

Graduated OU in 1999. Founded Apex Investments, LLC. in

May of 2005. Worked 9-6 day job for 11 years. Managed up to 15 properties during

last 6 years while maintaining day job (husband, father, church board & hobbies).

30+ real estate transactions.

Company Story Continued (Average $1500/year in real estate

courses and education.) Sample of Courses:

- Professional Education Institute - Cashing In On Foreclosures and Distressed Properties- Carleton Sheets - Professional Education Institute Personal Coaching System- Pat Pointon - Real Estate Magic Academy- Professional Education Institute - The Painless Guide to Profitable Property Management- Mike Butler - Tenant Tracking - David Lindahl - Apartment House Riches Study Course- Carleton Sheets - No Money Down Home Study System- Mike Butler - Investor Books Made EZ

Network with professionals:- Investment trends, real estate market changes and local lending requirements. - Millionaire Possibilities - A Landlord and Property Investors' Association.- OKC REIA.- Mentorship

Company Story Continued

The company is a private for-profit real estate investing company.

We acquire, rehabilitate, lease and sell residential single-family & multi-family properties.

Our goal is to grow the company by providing affordable housing to tenants, tenant-buyers and homeowners.

Apex Investments, LLC.

Our name has meaning for us. Strive for the top, the peak, the best in

life. Individuals don’t climb to the Apex.

Teams do. Win-win-win-win-win-win

(Apex-Lender-Contractors-Renter/Buyer-Realtor-Neighborhood)

Competitive Advantage

Experience! Speed (CASH!) to purchase a property. Knowledge of creative real estate

techniques on the selling side (Lease-options, government tax credits, marketing techniques.

Apex Investments, LLC.

We are a Corporation.

Rehabilitate short-term flip properties. Manage long-term hold rental

properties.

Experienced at both, so do you prefer 9% monthly or 12% bulk?

How To Find Us

Office Location: 305 S. Wyndemere Springs, Moore, OK 73160

Mailing Address: P.O. Box 7761, Moore, OK 73153

E-Mail: dwcampbell@cox.net Contact Phone: 405-823-7979 Contact Fax: 405-799-7668

Past Successful Projects

Quick Example # 1:200 W. Jarman, Midwest City

Wholesale Deal – Held for 5 years. $65,000 $62,325 payoff $512/mo. for 5 years. Rented for $675-$750. Invested $13,000 rehab. Sold for $95,900 less $5,200 closing costs. Profit from rents for 5 years: $5064. Profited $15,375 at closing. Total profit: $20,439 (less maint.)

Quick Example # 2:216 W. Douglas, Midwest City

Invested $2,000 rehab initially. $266/mo. for 3 years. Rented for $575-$600. Invested additional $7,000 rehab. Sold for $65,000. $1,272 closing costs. Profit from rents for 3 years: $8,844. Netted $23,638 at closing. Total profit: $25,572 (less maint.)

Critical Success Factors

What makes our company successful?– Experience, education, teamwork, drive,

focus, & a good work ethic.

Dream Team– Contractors, Realtors, Accountants, Lawyers,

Mortgage Brokers, Banks, Private Lenders!

A shared vision.

The Next Step?

By now you know how this program works and how you can earn 9-12% starting today.

You have three options:

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 form and leave it with us. We’ll be in touch soon.

We hope you decide to join our dream team!

Commitment Form

Name __________

Address ________

City ___________

YES! I would like to get started as soon as possible.

Let’s eat!!!

Questions???

I will stay here as long as there are questions.