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Lender Opportunities
Austin Property Wholesalers welcomes investors who are interested in lending money that is secured by real estate. We offer our investors a fixed interest rate that is collateralized by solid real estate investments. With bank rates and stock market returns at all-time lows, many investors are looking for alternative low-risk avenues to get the most for their investment dollar.
Making passive investments secured by real estate is not only safe but can also create a very attractive return.
Most people try to generate a retirement income by following conventional wisdom and letting other people control their money and make decisions for them. When they're finally ready for the money, they find that they have barely kept up with inflation and that the cost of living has increased more rapidly than their investment. Those who choose this route will have to settle for the low return that conventional investments produce.
If you are interested in getting a higher rate of return on your money compared to a bank savings account, CD, money market, commodity, mutual fund or even the stock market, Austin Property Wholesalers has secured investments that may fit your needs.
Private Lending Benefits:
- Safety - Your money is secured by a trust deed (or first mortgage). The amount borrowed will never be more than 65% of the "after repaired value" (ARV) of the property. This leaves a lot of equity as a safety cushion.
- High Return - You get a high rate of return on your money (10-15% of the face amount of the note!). You are guaranteed to make this rate of return regardless of what has happened in the stock market.
- An Investment You Can See - Your investment can be in your same state, county or even town! Having an investment that you can see and touch is not only a more sensible investment but a safer and more secure one. Compare this to stocks that are just numbers that you have no control over on a day–to-day basis.
- Professional - All of our transactions are closed by professionals with title insurance, fire insurance, appraisal and all the other proper documentation needed for a smooth transaction.
- Completely Hands-Off - This is a completely hands-off investment for you. You'll leave the particulars of the property to the real estate professionals. With this type of investment you don't have to watch the stock charts or call your broker or wait for the next market crash.
- Long Term Business Relationships - You'll be building a personal relationship with our company that can lead to other ventures and opportunities.
This concept is NOT new!
There are companies all over the world called finance companies or secondary lenders that do this. Take a look at your last credit card statement and see what interest rate you're paying. If you maintain credit card balances or take out short-term loans, you too are willing to pay a higher interest rate for short term money that is easy to get. You're placing availability of funds above the cost every time you use the credit card. This is a multi-million dollar business. When banks make a loan, they're using your money, the money you are allowing to lie around in a savings account or CD at a low rate where you actually net less than inflation. You receive a couple of small percentage points while the bank loans your money out at a higher rate and they receive the difference which is called the "spread". The spread results in billions of dollar monthly for these institutions.
Why don't you become the bank?
By using the investment capital you already have or even borrowing the money at a low rate and safely lending it out at a higher rate, you'll end up making money off of the spread.
We’ll provide a dependable, safe return secured with real estate; you provide the short-term capital. It’s a win-win situation!
Answers to Common Private Lending Questions:
Q. Can you use your IRA or 401K to make these loans?
A. Yes! It's a great use for IRAs and 401Ks. It’s hard to imagine a better way to grow your money than the tax-deferred way. With an IRA, all you have to do is transfer the funds from your current administrator to another administrator. This is not a roll-over with any penalties from the IRS; it's merely a transfer from one administrator to another. If you have a 401K you must have check-writing control. If you don’t there are other ways to use this money as well.
Q. Is this a security or a mortgage pool?
A. No! You will own the whole loan with no other participants. You are in control of the loan, which in itself makes this a better investment than any other investment vehicle out there. Only when loans are pooled do they become a security.
If you are interested in learning more about how Austin Property Wholesalers can help you earn a higher return on a lower-risk investment, please complete the following lender information form and a representative will contact you shortly.
Q. Who handles the paperwork?
A. All real estate closings are performed by a real estate attorney, title company, or other closing agent. Your check is made out to one of those agents for the gross amount of the loan. Better yet, we pay any fees associated with working with these businesses. It's then the responsibility of the closing agent to handle the paperwork when they close a loan for a bank or other lending institution.
Q. How do I know what documents I will need?
A. When making any type of investment you seek the advice of a professional and let them handle the details. It's the same here. But some common documents would be an after repaired appraisal done by a licensed appraiser, title insurance, fire insurance, the original note and a copy of the mortgage or trust deed. A good closing agent makes this a smooth and easy transaction so you don't have to worry about any of these details.
Q. Is this a long-term investment?
A. That depends on what arrangements are made with our company. Typically the loans made by private lenders are with interest-only payments that last from 3 months to one year. At the due date of the loan the principal amount is paid off; in the meantime interest-only payments are paid every month. The longer the money is being used at a high rate the faster it grows. If you’re collecting on an interest-only loan, the interest is on the entire principal all the time. Long term or short term, you win!
Q. Do I have to collect payments?
A. Only if you wish. Arrangements can be made to have someone else handle this. Many banks will collect the payments and deposit them right into your account and send the annual 1098 form to you to our company.
Q. Is making private loans a safe investment?
A. It's as safe – or safer – as any other high-yield investment. For instance, with stocks you're betting on companies you know little about and in a volatile market that you have no control over. You may do well one year and poorly the next. Your investment is at the mercy of ever-changing circumstances. With private loans your return is fixed and won't change regardless of the market. Your loans are secured by real-estate that you can actually see. It's very cut and dry. The term, rate, and conditions are as you’ve defined them . . . no guess work!
If you are interested in learning more about how Austin Property Wholesalers can help you earn a higher return on a lower-risk investment, please complete the following lender information form and a representative will contact you shortly.
Out-of-State Affiliates
If you are an out-of-state investor looking for a resource to purchase properties in your own market, Austin Property Wholesalers can connect you with motivated sellers of distressed properties.
Our wide range of advertising puts us in contact with many sellers in virtually every city in the nation. Our goal at Austin Property Wholesalers is to work hand-in-hand with investors in these areas who are looking to take advantage of each and every lead we can provide. We charge a small commission for leads that are purchased.
If you're an investor and you would like to be part of Austin Property Wholesalers’ affiliate program, please take a few minutes to fill out our online application and a representative will contact you shortly.
Sell Your Home
If you’re having trouble selling your home, need to sell it in a hurry, or don’t want the hassle of listing your home on the market, Austin Property Wholesalers is the answer!
If you. . .
- Are facing foreclosure or are in pre-foreclosure and want to save your credit
- Are more than 2 payments behind on your mortgage
- Have multiple mortgages on your property
- Want to avoid the time-consuming hassle of listing your house with a realtor
- Are going through a divorce
- Are relocating or transferring jobs
- Are going through an estate settlement or probate
- Can’t put your house on the market because it’s too run-down
- Haven’t been able to sell your house on the market and want to sell NOW
- Need cash in a hurry
Then we can help!
We do not charge commissions or fees!
We buy houses in ANY condition!
Our hassle-free system lets you avoid all of the normal pressures of selling your home.
In most cases we are able to close within 7 days!
To get started on selling your home fast, fill out our online request form or call us TODAY!
Austin Property Wholesalers
1-800-411-8499
1-480-921-2252
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