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Agenda

What is Private Mortgage Lending?

What’s in it for you.?– How you benefit.

Please hold your questions for (2) reasons:1) I’ll probably answer it anyway.2) Some folks are on time restraints.,

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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 am cutting out the middle man.

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Private Lender ProgramOverview

We buy & sell houses. To buy houses, we prefer to borrow

money from private individuals. We pay you 15% to use your

money. It is really a very simple plan.

Think of it like you would with a bank CD..

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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.

How it works

Private Lender

Purchase HouseDocuments Securing investment

Tenant

Buyer

15% Interest Payments

Rent Payment

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Private Lender ProgramPayments

1) We make quarterly payments of 15% simple interest.

Or

2) We will make monthly payments if you like a monthly income.

Or

3) The interest accrues until the house is sold and you get (1) check for principle and interest.

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Our Guarantee

We won’t lower your rate as long as the money is invested on a property.

We guarantee you 15% simple interest. That’s the least you can make.

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Early Withdrawal of Your CD

Yield 12 Month Return

3.5% $35015.0% $1,500

A bank’s (6) month penalty is only $175 on this CD.

You still would make $1,325 more even with the penalty.

There is NO withdrawal penalty with us

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Private Lender Program$25,000 Loan Sample

$25,000 x 15% = $937.50 per quarter. This is $3,750 per year. A bank CD @ 3.5% pays $875 per

year.

That’s a difference of $2,875 per year!!!

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How Can We Buy Houses So 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.

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Documents Securing Your Investment

Promissory Note. Mortgage. Hazard Insurance Policy. Title Insurance Appraisal

Lenders have no expense

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Your BIGGEST ConcernProtection of Principle

#1 Rule: Money borrowed is no higher that 70% loan-to-value after renovated.

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

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70% loan to value

$50,000 After Repaired Value

$35,000 Max Loan

There Is Always Plenty of Equity Above Your Loan.

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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.

Got IRA Money?

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People Who Sell us Houses

Banks. Private Individuals. Realtors.

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People Who Buy Our Houses

Achieve the American Dream of home ownership.

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

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What Happens to My Investment if Alan 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.

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Agenda

Private Lender Program Company Overview

– History– Dream Team

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Company Story

From meager beginnings in 1995, a wonderful company called Integrity Home Buyers, Inc., was born. It has become a serious real estate investment firm located in the west central, Ohio region.

Our goal is to grow the company by providing affordable housing to tenants and 1st time homeowners.

In time, its scope will encompass Springfield and the surrounding area.

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Company Story Continued

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

We acquire, rehab, and lease residential and, at times, commercial real estate.

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Integrity

That word has meaning for us. It was chosen because it is the way

we want to treat our customers, our suppliers and each other.

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Competitive Advantage

Our competitive advantage is speed to purchase a property and knowledge of creative real estate techniques.

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Integrity Home Buyers, Inc.

We are a Corporation. Short-term hold properties. Manage rentals.

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How To Find Us

Office Location: 4875 Security Drive Springfield, Ohio 45503.

Mailing Address: PO Box 741 Urbana, Ohio 43078.

Web Site: integrityhomebuyers.com. E-Mail: info@integrityhomebuyers.com

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Our Office

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Our Website

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Properties Listed

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Houses Purchased

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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.

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The Next Step?

By now you know how this program works and how you can earn 15% starting today.

You have (3) options:

We hope you decide to join our team

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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 with us. We’ll be in touch.

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Commitment Form

Name __________

Address ________

City ___________

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