You can have several options ranging from fixed investments of 10%/year as a simple interest CD or get a 40% profit sharing per project. We typically use your money for 5 years but we can offer shorter terms in some cases. Numerous payment options like monthly, quarterly, semi-annual, yearly and full interest accrual program are available for CDs.

Please call for a private NO obligation and confidential consultation/ seminar for more details on personal funds or retirement funds like IRA, Roth IRA, SEP IRA, 401K roll over or educational / college funds.  Investment has a lien on specific property.

Focus is 70% loan to market value and your Investment is covered by the property value.

Here is an example on how money grows with the power of compounding.

               

Steps of the process:
     • We use our marketing program to get potential sellers to call us
     • We negotiate to buy a house that is typically 20% to 35% below market
     • At closing, we borrow from private investor(s) to purchase the property
     • Private investors get a mortgage and insurance as security
               o Promissory Note signed at time of investment.
               o A first or second mortgage recorded with the local county office
               o Certificate of insurance naming you as additional insured
     • We make payments to you on the scheduled dates

Why private investors?:
Currently we find more good real estate opportunities than even we can invest in at any one time.   Hence, we invite you to see what you have been missing and see for yourself the excellent investment opportunities and same time help the economy with making the world a better place to live in.

How do we know about these investments? We are real estate professionals and we are real estate problem solvers.  We are not real estate agents, who simply list homes that people want to buy and sell.

We are constantly focused in the South East Michigan real estate market as investors ourselves: finding houses that people must sell quickly and finding ways to get hard-working families out of the rental rat race and into a home, even if they have credit problems, etc.

Is private investing new?:
Many wealthy individuals and institutions invest by making loans on real estate. So investing in these types of deals is not new.

Risks and FAQ:
In general all investments have risk and there are no guarantees in real estate investments as well.  However, what you should be after is a solid return for a given amount of risk.

"Isn't real estate awfully risky and people lost money already?”
 As with most things, it's all in how you use the tool and here is an example to consider: Knives are risky in hands of a baby and it is life safer in the hands of a surgeon. We are not about investing in some speculative land deal but we focus on making standard, bank-like loans on property. Also we are not overly concerned about the repayment ability of the borrower, because the real security for each loan is in the substantial collateral of the property. Make no mistake:  Investing has risks.  However, the trick is in how you choose those investments, and what kind of safety net (collateral) you build under them. That's what we're good at.

"Why is this not advertised on TV or Newspaper or other mass media or why Wall Street is not talking about these investments?”
These individual deals are not mass-produced investments.  You get to know exactly which property you are making your loan on.  In contrast, Wall Street wants to raise $50 million or so stuffing people into generic investments.  Mass investments cannot match up individual lenders with single properties. 

"Diversification is a key aspect of any investments!”
In the world of risk aversion it always makes sense to diversify your investments say “Don’t put all eggs in one basket”. If you already own other types of investments, then private lending is definitely worth looking into.  Having some of your investment money spread out in very different investment types can actually reduce your overall risk.  It will make your portfolio even more diversified.  We certainly don't suggest that you put all your investable assets into one private loan (or one stock or mutual fund, for that matter!).

"Do I invest in one property or several?”
Each investment of yours is a loan on one specific property at a time.  That's the beauty of this type of investment:  You know exactly where your money is going.  Of course, if you decide you like this form of investing, there's nothing to stop you from making multiple separate investments.

"How can I trust your investments?”
The best part is that everything is transparent and visible and you don't have to take a "leap of faith" in this process! You know about the property you'll be loaning on. You are given all the facts about the property's value, comparable properties in the area, the proposed use of the loan proceeds, etc. Only when you have all the facts do you decide on investing.  Compare that to buying a mutual fund, where you have only a vague idea about what the investment manager has put your money in.  In this process, you know exactly which property you're loaning against.

"I don’t have time to analyze the market or news?”
If you own individual stocks then you have to understand the news and its future market direction.  In these investments the Loan to Market value usually in the range of 70% and hence you can be satisfied of low risk.  We provide periodic updates on how your investment is doing, not only will you sleep better, but your investment choices will be much broader. Please don’t misunderstand us, as there is a place for mutual funds, stocks and other investments.  In fact, we recommend that you learn all types of investments and consider using them for some of your money.

"Is this a mortgage pool?”
This is NOT a mortgage pool.  There is no “sales load” taken out of your investment dollars.

"Should I invest all my savings into real estate deals?”
You should have at least 6 months to 1 year worth of monthly expenses in a liquid account so that in case of emergency you can use those funds. If your kid is going to college within a year or you anticipate health related costs or any planned expenses; then you should not use that money into these investments. You should be able to put this money aside and forget about it until the renovation project ends.  This investment money you should be able to invest without drawing upon it soon. That will help you, because the longer you can have your money off and working for you, typically the higher returns you can generate.

"What if I want to get out of the investment earlier than I had planned?”
You should only be investing an amount of money that you can leave in the investment for the term of the loan.  Because the real estate borrower will be most likely using the loan to renovate a property and sell it, that process must take its course before the borrower will be repaying the loan.  Therefore, unlike a money-market account, these investments are not able to be withdrawn on a moment's notice.  Of course, that's one reason why you can expect far more profits than a money-market account will deliver.

"What are the tax consequences of these investments?”
Yes you would receive 1099 at the year end for taxable portion and you would have to pay taxes depending on your overall income bracket.  When you invest through your retirement funds then regular retirement tax laws apply.  However, we urge you to speak with tax advisor before making any investment.  But in general terms, because you are a lender, you will not receive depreciation benefits.  You will be receiving interest income.  You may or may not be able to offset that income with some of your other investments.

"What If I never invested in Real Estate before?"
"First timers" are more nervous than most. May be when you first invested in savings account or CD with a bank or with mutual funds you read and understood before you took the decision. We encourage you to learn and we can guide you to understand to make the choice of these alternate investment vehicles.
 

"What if your company has difficulty on repayments or stay current with the payments?"
This is quite similar how the banks hand the process.  If an investor cannot keep up with the interest payments, then you as a mortgage note holder are able to foreclose on the property. Because we only deal in situations where the property is worth substantially more than any loans, there typically is way more equity in the property to cover the loans, once the property is sold.  Should a foreclosure occur the good news is you now may potentially receive much more than your investment back!


"Is this a get rick quick scheme?"
We work for good return for a reasonable risk.  Sorry we cannot offer any get rich scheme!

Disclaimer:
As a disclaimer these funds are not FDIC insured and all investments are at risk and may lose value.  Consult your financial planner, tax advisor, CPA, attorney and/ or accountant for all legal details before making the investments decisions.  Please carefully consider MiVins Homes, LLC'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. This is not an offer or invitation to sell or a solicitation of any offer to purchase any securities in the United States or any other jurisdiction. Please ask questions and ask for more information before you consider any investment.  This presentation is not an attempt to offer legal or tax or investment advice.  The contents are purely information and education and we do not advocate individual investments.  Any person considering investments in, or changes to an IRA should obtain advice from independent legal, tax, investment and real estate professionals.