denali real estate solutions putting your money to work through private lending presented by: simone...
TRANSCRIPT
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Denali Real Estate Solutions
Putting Your Money to Work through Private Lending
Presented By: Simone Hopkins and Steve Larkin
www.DenaliSolutions.ca
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Disclaimer
This is not an offer to purchase or sell securities. Any person, entity, or organization must first be qualified by the company and read all of the offering documents and attest to reading and fully understanding such documents. Denali Real Estate Solutions and it’s affiliates are not licensed securities dealers or brokers and as such, do not hold themselves to be.
This presentation should be construed as informational and is not an advertisement soliciting for any particular purpose. All securities herein discussed have not been registered or approved by any securities regulatory agency in accordance with the securities act.
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Today’s Agenda
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Today’s AgendaOverview of the private money lending
process
Why private lending benefits you
Company overview
Why we utilize private money
Investment buying criteria
Terms & conditions
How you are protected
Risks vs. rewards
The closing process
Common ways our lenders fund deals
Case studies & commonly asked questions
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Overview of the Private Money Lending
Process
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Private Lender
Home is Renovated
Principle +12% Interest Payment
Documents Securingthe Loan
Purchase Home
Home is SOLD
Overview of the Private Money Lending Process
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Why Private Lending Benefits You?
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Why Private Lending Benefits You?Assume $150,000 Invested
Private Lending vs. Traditional Savings
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Real estate mortgage/deed of trust provides you with security instruments you would not get with other investments
You have added layers of protections because of how we buy and because you have recourse
Produces predictable income stream for you because rates do not fluctuate
It is very easy to understand and all loans have very straightforward terms
Why Private Lending Benefits You?
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Company Overview
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Company Overview
Denali Real Estate Solutions was started in 2013 by Simone and Dan Hopkins and Steve Larkin
We purchase distressed properties 20% to 30% below market value
We then rehab and sell those properties to retail homebuyers and landlords
Our competitive advantage is our knowledge, business systems, and experience
Private lending is our #1 source of funding for our redevelopment projects
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Company Overview
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Company Overview
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Company Overview
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Company Overview
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Management Team Simone Hopkins – co-founder of Denali Real Estate Solutions
and the master of business administration and technology. As an integral organizer of the business Simone has leveraged technology to put the business on auto-pilot. Her systems are what have allowed Denali Real Estate Solutions to achieve exponential growth in just a few short months.
Daniel Hopkins – co-founder of Denali Real Estate Solutions and experienced general contractor. As an key piece of our company, Dan has managed various projects and his attention to detail is one of the most important pieces that contribute to our success.
Steve Larkin – co-founder of Denali Real Estate Solutions and marketing specialist. As a key person of our company, Steve has managed to get connections to key buyers, sellers and land developers. Steve also brings high positive energy and drive to move the business forward.
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Company Goals
Invest in the local Real Estate market and buy properties 20-30% below market value
Purchase and rehab 3 properties a month with a minimum net profit of $40k
Develop long term relationships with our private money lenders and create and predictable returns for their long term financial goals
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Why We UtilizePrivate Money in Our
Business
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Our competitive advantage is the fact that we can purchase properties QUICKLY! This is why we can buy properties at such a discount.
Banks are very time consuming to deal with and there is an opportunity cost to that time.
We can offer a great rate of return to our private money lenders and we benefit them as much as they benefit us.
Why We UtilizePrivate Money in Our
Business
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Investment Buying Criteria
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Investment Buying Criteria
•Types of properties we buy
•Buying criteria: what we pay for houses?
•Why our buying criteria insures safety for you as a lender
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Investment Buying Criteria?Items Value
After Repair Value $200,000
Repair Cost $20,000
As Is Value $150,000
• Purchase price & loan amount $100,000
• Closing Costs $5,000
• Realtor Fees $9,000
• Lost Interest for 6 Months at 10% $5,000
Sale Price $150,000
Fire Sale Price $140,000
Total Cost to Recoup Investment $119,000
Profit to Private Lender $21,000
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Terms & Conditions
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8-10% interest no points
1st or 2nd Lien position
12 months terms
Fee w/ option to renew
All documents recorded
Terms & Conditions
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How You Are Protected & The Security Documents
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Promissory note
Mortgage deed or deed of trust
Hazard insurance policy
Personal guarantee
How You Are Protected & The Security Documents
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Risks vs. Rewards
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Risks vs. RewardsPrivate Lending
$100,000 x 10% Interest12 Month Term
= $10,000 ROI
* Backed by Real Estate
Sitting in Bank
$100,000 x 1% Interest12 Month Term
= $1,000 ROI
You are making a 10x greater return on your money
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Risks vs. Rewards
Stock Market
• Completely Unsecured• Completely Uninsured• Invest at Market Price• Returns Are Unknown
Real Estate Private Lending
• Secured by a Deed of Trust or Mortgage Deed
• Collateral is Fully Insured• Collateralized Below Market
Value• Returns Are Fixed and Agreed
Upon Term• Tangible Asset
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The Closing Process
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Funds from you go into escrow with title
company or attorney
Closing documents w/ mortgage deed, insurance policy,
promissory noteMortgage or deed of trust filed on the land records
You get: Original promissory note and copy of mortgage or deed of trust, and insurance policyI start work on
the house
The Closing Process
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Common Ways Our Lenders Fund Deals
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Cash in the bank Home equity credit lines Personal & business credit lines Liquidated securities & investments Retirement accounts
Common Ways Our Lenders
Fund Deals
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Retirement Accounts that Can
Be Self Directed
RRSP and TFSA’s * Educational Savings AccountsRetirement Income Accounts
*Profits can be tax free or tax deferred when you invest with one of these
vehicles
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Case Study of a Recent Deal with a Private Money
Lender
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Case Study – 12 ch des cedres
Purchase Price: $160,000 Appraisal Value $250,000
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Before and After
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Before and After
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Before and After
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Before and After
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Purchase Price: $160,000Rehab Cost: $35,000Total Invested: $195,000
Private Lender Return on Investment
$195,000 @ 10% Interest for 6 months
= $9,750
Case Study – 12 c. des cedres6 Month Project
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Common Questions
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Common Questions
What if something happens to you?
What if you don’t sell the house for what you think?
What if I have to pull my money out?
What if I can’t fund an entire deal?
Can I think about it?
Why isn’t everyone investing this way?
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Investment Minimum’s
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Investment Minimum’s
Must have a minimum of $25,000 to get started with us
If you commit $200,000 you are usually given a first mortgage/deed of trust
We require a 6 month commitment at the minimum
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How to Get Started
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How to Get Started?
Fill out a private lender information sheet
Put down a loan commitment amount
I will call you when I have my next project lined up
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Our Contact Information
Simone Hopkins613-299-7366simone@DenaliSolutions.cawww.DenaliSolutions.ca
Steve [email protected] www.DenaliSolutions.ca