Frequently asked questions……

Is this a real corporation?

Yes. The corporation is registered in the state of Missouri. You can go to the Missouri Secretary of States web site at http://www.sos.mo.gov/ to check our corporate status.

Why did you form the corporation?

We formed the corporation to take our investment business to the next level. The corporation allows us to hire employees and tap resources that are not available otherwise.

Who are you?

We are a privately held corporation.

How do you make money?

We make money buying and selling as well as buying and renting houses.

Is my investment safe?

As with any investment there is risk. Through out history real estate has been one of the safest and most reliable investment vehicles.

Why is the length of investment one year?

On average it takes about six months to sell a house, one year gives a little leeway. It is also easier to refinance a property after you have owned it for a year.

Can I invest for a longer period?

Yes. We can offer investments of various lengths; however more opportunities are in the one year range.

Why don’t you just go to the bank for money?

Traditional channels for real estate financing takes time and cost money. There are appraisal fees, inspection fees, processing fees, the list goes on and on, and by avoiding those costs we can offer a higher interest rate than traditional lenders offer. That is Win-Win.

How does this investment work?

You are supplying the funds to purchase real estate; in return you will receive a first deed of trust to protect your investment. When the property is sold or refinanced you receive your original investment plus interest. First you are confirmed as an investor, we then match your investment criteria to a property we have identified to purchase.

How do I make an investment?

You can deposit funds directly with us by certified check 7 to 10 business days prior to the closing date, your interest begins the day we receive the funds. You can deposit funds by certified check directly with the title company 3 to 5 business days prior to our closing date or by wire transfer directly with the title company prior to the closing date.

How do I get my money back?

When the property is sold or refinanced you will be notified by the title company for your payoff and release information, after closing you will receive a certified check from the title company for your original investment plus interest.

How long have you been in business?

The corporation was founded in late 2003; however we have been individually investing in real estate for over 20 years.

What type of property do you buy?

Single family houses, oreclosures, and houses seller don’t want or need to get rid of.

How is my money secure?

Money is secured by a first deed of trust on the property purchased.

How do you guarantee my investment?

There are no guarantees; however we have been involved in real estate for over 22 years. More so real estate is one of the safest investments for your money. It’s a market that doesn’t fluctuate like some of your more common investments. Missouri in general and particularly the St. Louis area are one of the most stable real estate markets in the United States. Fewer declines than most of the major coastal areas yet with the potential for outstanding gains.

What happens to my investment if the company has financial trouble?

Investment is secured with first deed of trust on the property. Worst case scenario you would have the house.

Would I actually get my money back?

Typically we pay 25-40% below market value, if you had to sell it, even after real estate commissions, you could easily recover your original investment.

If real estate is such a lucrative investment, why shouldn’t I just buy myself?

Time is money and generally we look at 15 houses very closely before we find the right property to buy. We buy properties for short and long term investments. Some of the homes we buy to re-sell and others we keep for rentals to ensure long-term security. The time spent find and managing the properties is one of the biggest considerations.

How do you expect to hold the property if I only put money up for a year?

Because of source and seasoning restrictions we can easily get a bank to refinance the loan after one year. Doing it this way eliminates the need for a 20% down payment, which is the typical investment property requirement for most lenders.

What happens at the end of my investment term if the property hasn’t sold?

We will get a loan from a commercial lender. Because of source and seasoning restrictions we can easily get a bank or commercial lender to refinance the loan after one year.

How is my investment paid back? How do I get my money back?

When the property is sold or refinanced you will receive a payout of the original investment plus applicable interest from the title company. At that time you will have to provide a release from the first deed of trust.

What happens if I want to invest for a 2 or 3-year term and the house sells in 6 months?

When the property is sold you will receive a payout of the original investment plus applicable interest from the title company. At that time you will have the option of reinvesting the money back into the company. We won’t be able to get a new first deed of trust until another property is located, however we can hold the funds and continue to pay interest during that time.

How long does it take to sell a house?

Average turnover is about 6 months.

If I decide to invest, how long until my money is actually invested?

As long as it takes to find a property that meets our standards and to go through closing. Curently we receive 5-10 requests a week to purchase a house and typically we have to look at 15-20 before we find a property that meets our standards. Depending on circumstance typical once a property is located closing take anywhere from 15-30 days.

Why don’t you just go to the bank and get a home loan?

Banks typically want 20% down on investment properties. Banks have fees. Banks take more time. Banks require inspections, which is what we do before buying a property.

Can I get my money early if I need it for something unexpected?

Unfortunately since your money will be tied to a property it isn’t easily accessible; However we will do the best we can to accommodate for unforeseen circumstances.

How do I know this is not some kind of scam?

You can visit the Missouri Secretary of State’s office and verify our corporate status. All money transactions can be handled with the title company, you don’t ever have to directly give us funds.

How do we set this up?

All we need is for you to answer a few questions, how much your looking to invest, how long of an investment term, and your contact information. We will then verify the information and you are ready to make more money on your investments.