Archive for October, 2008

It's time to supercharge our retirement savings

Monday, October 13th, 2008

“Most Americans are simply not prepared to fund twenty years of retirement.”  That’s a direct quote from Tom Anderson, founder and president of PENSCO Trust, one of the nations leading self-directed IRA custodians.

And this was before the recent meltdown in the stock market.

Many, if not most, are not on track to retire successfully.  Through their savings and retirement plans, they are not earning sufficiently high yields on a consistent basis that will allow them to afford the retirement lifestyle they desire.

Traditional investments have been delivering inconsistent and inadequate yields, frustrating the average investor seeking reliable growth.  Financial planners are often unaware or unwilling to recommend “non-traditional” investments to their clients, despite the fact that high, consistent yields can be achieved safely and securely.

Real estate-secured Deeds of Trust and Mortgage Pools have been helping investors achieve consistently high rates of return, typically between 9-13% annually.

With the downturn in the real estate market, the volatility in the securities markets and the uncertainty in the financial and mortgage markets, many investors find themselves ill-equipped to properly analyze the many opportunities to achieve higher rates of savings growth. They are not alone.

Today, everyone needs to take charge of their retirement plans in order that they may grow their savings more effectively and thus allow them to retire comfortably.  Real estate-secured financial investments can be the best way to achieve that goal.

We help people stay on track to retire wealthy. Through our years of real estate investment experience and our background in finance, accounting and mortgage origination we bring a unique competence to our program of real estate-secured investments.   To help you better understand what we can do to supercharge your savings and retirement plans, we offer complimentary consultation to learn your goals, experience and risk tolerance.   Then we can show you how we can help you to participate in what many financial writers have called the “best kept investment secret” – high-yield notes secured by Deeds of Trust.

Why NOW may be the best time to invest in Trust Deed-secured notes

Sunday, October 5th, 2008

The present banking and financial crisis is creating a growing demand for alternative financing sources. Banks are particularly bearish toward real estate investors, many of whom are seeking financing to leverage their acquisition of bank-owned properties. Of those banks who are still considering investor loans, many won’t loan to you if you own more than four leveraged investment properties.

The result is that we in the private money lending business are seeing higher quality loan applications. People with strong credit, experience and cash are turning to private lenders in order to take advantage of the best buying opportunities in a generation.

When you add to this the fact that valuations have significantly “normalized”, and that we currently underwrite to more conservative valuations, what you have is a market where your Trust Deed investments are not only backed with more reliable protective equity, but your borrowers in many instances are now stronger and more creditworthy.

We’re writing loans to investors who are negotiating purchases of homes in certain Northern CA markets at 20% of 2005 valuations. That’s an 80% devaluation from the high-water mark. At these prices, the homes will cash flow even when leveraged at 65% using a private money loan.

Instead of sitting on the sidelines, smart Trust Deed investors are taking advantage of these new market conditions and funding loans that have more safety factors than have existed in years.