A Private Mortgage Investment Company
Lets YOU Be the Bank!
Lend Your Money Safely
Using Secure
Real Estate as Collateral
Our mission is to inspire and educate others to a higher level of prosperity, abundance, responsibility and freedom through re-examining beliefs about money, our culture and real estate investments.
Disclaimer: Please carefully consider Lend$mart’s investment objectives, risks, and associated costs or expenses before investing. Real estate investments are not guaranteed or insured and past performance is not a guarantee of future performance. Please ask questions and ask for more information before you consider any investment.
Lend$mart is a private mortgage investment company owned by Essentials Unlimited, a real estate investment company. Essentials Unlimited created Lend$mart to support YOU in being the bank in one or more of our real estate purchases.
If you are looking for a HASSLE-FREE way to earn significant PASSIVE INCOME*, then you’ve found it!
* Income earned without specific work or services performed
We will show you how to be the bank and invest your money securely at a much higher rate of return. We will show you how to use real estate to secure your investment just like a bank does.
You have an opportunity to earn 10-15% return secured by real estate. You receive a Deed of Trust, your name on the hazard insurance policy associated with the property, and a personal promissory note.
You can control your investments in your retirement and investment accounts!
Because most of your investment advisers have a vested interest in where you put your retirement money they don’t tell you that you can control how and where you put your retirement money.
Learn how a self-directed IRA works!
- Our “1ST Mortgage” Program:
· Minimum Investments of $75,000 on a residential property (less than 5 units)
· 1St Mortgage (1st Deed of Trust) liens up to a maximum of 75% LTV
· Interest rate is 9% per annum compounded monthly
· One point (1%) fee upfront paid back to you the investor at closing for initial purchase of property
· Interest will be paid semi-annually, annually or at the closing for the sale of the same property, the latter being our Accrual Program that maximizes return on investment (ROI)
· APR is approximately 11.3% with the Accrual Program over five years
· Your money is not “pooled” with other investor’s money
· Once we have an investment opportunity for you, we’ll provide the details. You’ll then have the opportunity to accept or reject the deal.
Example: $100,000 invested at 9% for three years, interest paid semi-annually, earns $9,170.44 per year or $27,511 over three years. However, with the Accrual Program, the interest accrues for three years and we return $30,865 or $3,354 (almost 11%) more than the semi-annual program returns.
Our “2nd Mortgage” Program:
· Minimum Investments of $5,000 on a residential property (less than 5 units)
· 2nd Mortgage (2nd Deed of Trust) liens up to a maximum of 95% LTV
· Interest rate is 12% per annum compounded monthly
· Two point (2%) fee upfront to you the investor at the Closing of the initial purchase
· Interest will be paid semi-annually, annually or at the closing for the sale of the property, which is our Accrual Program that maximizes return on investment (ROI)
· APR is approximately 14.3% with the Accrual Program over 5 years
· Your money is not “pooled” with other investor’s money
· Once we have an investment opportunity for you, we’ll provide the details. You’ll then have the opportunity to accept or reject the deal.
Example: $10,000 invested at 12% for three years earns $1,230 per year with semi-annual payments for a return of $3,691 earned over three years. However, with the Accrual Program the total interest is $4,308 or $617 (over 14%) more than the semi-annual program returns.
What We Need to Get Started:
· Personal or family funds:
o We merely need to know the amount of available funds you wish to invest and the time frame in which you can access them.
· Traditional IRA or Roth IRA
o If you do not currently have a self-directed account that allows you to make loans on real estate, then you’ll want to complete an application to open an account with a different third party fiduciary, such as Entrust New Direction IRA, Inc who legally administers and monitors this type of investment. We can provide the forms for this. We’ll be glad to work with you to streamline the process and get your funds working as soon as possible.
The faster you get your Let’s Get Started form completed and in our hands, the quicker you can earn these great interest rates, secured by real estate!
Let’s Get Started
Yes, I’m interested in putting my money to work earning safe, good returns.
I’m interested in investing:
Personal Funds; $________________ available for investments
IRA Funds; $________________ available for investments
Business Funds; $________________ available for investments
Date these funds will be available for investment: ____________
I would like the payments to be:
Interest Accruing Annual
Semi-Annual
I would like to know more about how to move my money from my current brokerage IRA to a self-directed IRA so I can make loans to you.
I would like to know more about the interest accruing account.
I would like to make a loan to you for a ______ year period.
Contact Information: Date: ____________
Name: ____________________________________________________Address: __________________________________________________City: ____________________________ State: _____ Zip: _________Phone: ______________________ Cell: ______________________Fax: ________________________ Other: ____________________e-mail:____________________________________________________
Please fax back to us at 303-823-0269
Download form here (link coming soon)
Traditional Banking works this way:
The banking industry has been around for a long time. Most of us know how banks make money. Primarily banks borrow money from individuals by offering savings and checking accounts, as well as CDs and similar vehicles, which pay a low rate of return. They use that money to lend out at a higher rate of return, making a profit on the difference. Real estate is one of the areas where banks loan money for a profit. Because of the security that real estate offers, business and other loans are also often secured by real estate collateral.
The concept of savings is important in any economic analysis. The Banking industry has propagated the association of savings with lending one’s money to the bank at a very low rate of return. Then whenever one needs money, he or she goes to a bank to get a loan. In a sense, isn’t the bank loaning us our own money at a higher interest rate than we are getting loaning our money to the bank?
We have also been taught that the single most important investment of our life is the purchase of our own home. When we decide to purchase a home we take our money out of savings, often from a bank account (where it has been being used by the bank for loans) and return it to the bank as a partial payment to secure the loan to purchase our home. The bank then loans us the money at a rate of interest currently above 5.75%. How far above depends on our credit and the size of the partial payment to buy our home.
Lend$mart - A Private Mortgage Investment Company
Lend$mart is a Private Mortgage Investment Company working with Essentials Unlimited which is a private ‘for-profit’ Real Estate Investing Company.
We acquire, rehab, lease or sell residential and commercial real estate properties.
Our competitive advantage includes the ability to purchase a property very quickly, a ‘council’ of gifted and knowledgeable advisors and special knowledge of creative real estate techniques.
Contact Information
Mailing Address:
PO Box 1760
Lyons, CO 80540
Shipping Address:
101 Eagle Canyon Circle
Lyons, CO 80540
Web Site: www.lendsmart.net
E-Mail: info@lendsmart.net
Phone: 303.823.0291
Toll free 888.724.9435
Cell: 970.218.1581
