We all know the answer to this. Of course you could, but what would you do with more money? You could pay off student loans, send your kids to college, buy a house, pay off your mortgage in fewer years, buy a car, pay off your credit cards, start your new business, buy a boat, take more vacations or donate to charity. The possibilities are endless!

How could you make more money?

There are plenty of ways you could make more money! You could invest in the stock and bond markets, invest in various Funds, put your money in CD’s at the bank or buy gold. The problem with these options is that they are either high risk or slow growth investments with low interest rates. Wouldn’t you want a better return on your investments? There is, however, an option that has a low risk with high returns: Real Estate!

Did you know there has never been a better time to invest in real estate?

With the current financial and real estate meltdown an opportunity has been created like never before in history. Times are scary right now for the average person, but for someone who knows how to capitalize on this current market, it’s a dream come true. I think everyone can agree that having more freedom, wealth, confidence and security is what we work towards. We all want success and there is not an easier way to achieve absolute financial independence than through real estate. You may be saying “I would love to invest in Real Estate, but I don’t know how!”

Become a Private Lender!

A Private Lender is a person with money who wants to lend it securely. He’s a person like you with a 401K, IRA, SEP Plan, Line of Credit, Equity in your home or just plain cash. The advantages of being a Private Lender are the interest rate return on investment and the ability to lend on a secured investment. This is truly exciting because this is how you build true wealth.

Why become a Private Lender

There are 4 main reasons to become a private lender: (1) High rate of return – With a 401K, IRA or SEP Plan, the market for which you are investing for your retirement is always going up and down. Financial guides suggest that your average rate of return is 8% but in reality is usually much lower and in recent years is even still lower. Your money is earning so little interest it is like having a coffee can full of money buried in your backyard. Is it safe? Probably. Is it keeping up with inflation or making you money? Absolutely not. In addition people usually invest in mutual funds or other funds they have no control over and mutual funds are not guaranteed. However Chadwick Morris Group offers a significantly higher rate of return, secured by Real Estate. By investing in Real Estate with Chadwick Morris Group you will be earning 12% or more on your money annually. Even 1% more than what you are getting now for your investment, can mean thousands for you. (2) Security – By now, you understand secured lending on Real Estate is a safe investment. You will be in a first Lien Holder position, which means you are in the same position as any major bank. Unlike in 2005 when banks were lending 100%, in some cases more, on an over inflated value, you are lending to Chadwick Morris Group at 75% or less of the properties current market value. Moreover, we don’t touch the money directly. A Title company will receive and disburse your investment funds and will insure that the Deed of Trust (mortgage) is recorded on the county land records as lender. The Deed of Trust guarantees you first rights to the property by giving you first lien holder position. The title company makes sure that all other liens are clear and makes sure that your money is secure because it is in the first position to get paid before all other creditors on that property. (3) Control – The fact is that in any of these other investments ranging from 401K’s to IRA’s or CD’s, is that you truly don’t have control over these investments. Either a Brokerage Firm, an employer, or a bank is ultimately controlling your money. (4) Ease – As a private lender you do not have to worry about paperwork, Chadwick Morris Group and the Title company provide all of the paperwork. A private lender will see a return on investment in 90 to 120 days (or less depending if the purchaser’s lender requires seasoning). That is the typical turn around time from acquisition to the time the property sells. The maximum length of the loan is six months. We will walk you through the deal ARV, what we are buying it for, how much is needed for repairs and how much is needed for closing costs. For example: 80,000 Contract Price + 36,000 Repairs + 4,000 Closing Cost = 120,000 Loan

150,000 Market Value

You will only lend 120,000 for a house that is worth 150,000. We don’t touch the 80,000 or the 4,000. We only draw money from the 36,000 for repairs. The Title company will handle the rest. We will send you information and reports as the work is being completed and you may schedule a visit to the property with one of our investment coordinators to see the progress first hand if you wish. In summary, we give you a Promissory Note, which is a promise to pay back the money with interest. This Note is secured by a Deed of Trust, which is recorded in the land records of the county, and which establishes you as first lien holder. When the house is sold, the title company determines the payoff amount of the Deed of Trust (your principal plus all accrued interest). At settlement, the title company pays off your loan in full. Then, if you like the returns, we do it again. If you don’t have enough investment funds to lend the entire amount of the loan, we can pool you with others through a Virginia LLC. You invest in the LLC, which lends the money and receives the Promissory Note and Deed of Trust. When the house sells, you receive your money from the LLC along with the paperwork showing your pro-rata return.