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CA BRE #01904379

NMLS/MLO #355855

Bond #92F388716F

These mortgages are not for sale. They are real mortgages that we own in our own portfolio. We include them here to illustrate the type of collateral for the mortgage and the returns we are earning. Please contact us for more information. 
Encinitas, California

2nd Mortgage
Unpaid Balance: $20,495 Monthly Payment: $255
Purchase Price: $15,771 Annual Income: $3,060
Discount Amount: $4,724 Annual Return: 19.4%
Discount Percent: 23% Term: 114 Months/9.5 Years

This beautiful 3,023 square foot, 4 bedroom 3 bathroom home in the San Diego County beach town of Encinitas, California is the collateral for our mortgage. If the borrower sold or refinanced today we would be paid the unpaid balance of $20,495 (our purchase price of $15,771 plus the $4,724 discount) for a profit of $4,724. If the borrower stays we will collect monthly payments of $255 for the next 114 months for a total of $29,070. That would be a profit of $13,299 over our purchase price of $15,771.
Upland, California

2nd Mortgage
Unpaid Balance: $79,489 Monthly Payment: $646
Purchase Price: $49,052 Annual Income: $7,752
Discount Amount: $30,437 Annual Return: 15.8%
Discount Percent: 38% Term: 234 Months/19.5 Years

This 1,664 square foot, 3 bedroom 2 bathroom home in Southern California is the collateral for our mortgage. If the borrower sold or refinanced today we would be paid the unpaid balance of $79.489 (our purchase price of $49,052 plus the $30,437 discount) for a profit of $30,437). If the borrower stays we will collect monthly payments of $646 for the next 234 months for a total of $151,164. That would be a profit of $102,112 over our purchase price of $49,052.
Norwalk, California 

2nd Mortgage
Unpaid Balance: $59,177 Monthly Payment: $396
Purchase Price: $30,051 Annual Income: $4,752
Discount Amount: $29,127 Annual Return: 15.8%
Discount Percent: 49% Term: 234 Months/19.5 Years

This neat little 1,092 square foot, 3 bedroom 2 bathroom home in Southern California is the collateral for our mortgage. If the borrower sold or refinanced today we would be paid the unpaid balance of $59,177 (our purchase price of $30,051 plus the $29,127 discount) for a profit of $29,127. If the borrower stays we will collect monthly payments of $396 for the next 234 months for a total of $92,664. That would be a profit of $62,613 over our purchase price of $30,051.
Murphy, Texas 

2nd Mortgage
Unpaid Balance: $16,055 Monthly Payment: $223
Purchase Price: $14,398 Annual Income: $2,676
Discount Amount: $1,657 Annual Return: 18.6%
Discount Percent: 10% Term: 127 Months/10.6 Years

This 3,358 square foot, 4 bedroom 3.5 bathroom home Northeast of Dallas, Texas is the collateral for our mortgage. If the borrower sold or refinanced today we would be paid the unpaid balance of$16,055 (our purchase price of $14,398 plus the $1,657 discount) for a profit of $1,657. If the borrower stays we will collect monthly payments of $223 for the next 127 months for a total of $28,321. That would be a profit of $13,923 over our purchase price of $14,398.
Disclosure.The information contained herein is for informational and educational purposes only and does not constitute an offer or solicitation to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied on in any connection with, any contract or commitment whatsoever. The information herein does not constitute legal, accounting, tax or investment advice; such advice should be obtained from a competent professional authorized to provide such advice.