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Private Lending Opportunity
This document outlines a private mortgage lending opportunity through J Zappa Realty Corp, detailing how private mortgages work, their benefits, and repayment methods. It highlights a proposed loan of $80,000 secured by a multi-family home, with interest rates varying by property and demonstrating potential income comparisons between private lending and traditional savings accounts. Additional benefits include higher interest returns, steady income streams, and secure principal backed by real property.
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Private Lending Opportunity
- 1. J ZAPPA RealtyCorp Private Mortgage Lending Opportunity
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- 3. Benefits Of APrivate Mortgage Loan 1 How Does A Private Mortgage Work? 2 What Is A Private Mortgage Loan? 3 How Do I Get Paid Back? 4
- 4. 1 What IsA Private Mortgage Loan? Mortgage loan funded by; -Private Individuals -Retirement Funds Produces predictable income stream to Private Lender • Mortgage Lien provides security, protection and recourse
- 5. 2 How DoesA Private Mortgage Work? Simple Plan You Earn High Interest!! We Borrow Money From You! We Buy Houses
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- 7. Certificate Of DepositMoney Market Fund Savings Account You Get Low Interest Rate
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- 9. Personal Loans AutoLoans Home Loans Bank Gets Higher Interest Rate
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- 11. We Purchase House We Maintain House We Pay You YOU Earn High Interest Rate!! You Are A Private Bank!
- 12. You Provide FinancingWe Maintain / Rehab The House Documents Secure Financing We Rent The House We Purchase The House You Get Principal / Interest Payments For Loan Term How It Works Start
- 13. How A PrivateMortgage Program Can Work For You Proposed loan: $80,000 To be secured by 1 st mortgage on a multi-family home. Interest Rate: Varies by each property. Can be up to 10% per term of loan. See Chart below. No Fees Rate: 4% Term: 10 yrs fully amortized Monthly Payment: $809.96 Total Payments: $97,195.33 Rate: 6% Term: 15 yrs fully amortized Monthly Payment: $675.09 Total Payments: $121,515.38 Rate: 8% Term: 20 yrs fully amortized Monthly Payment: $669.15 Total Payments: $160,596.49 Rate: 10% Term: 30 yrs fully amortized Monthly Payment: $702.06 Total Payments: $252,746.61
- 14. How A PrivateMortgage Program Can Work For You 1 st loan paid off after the agreed term. Total Payments for the term is $252,746.61 . Loan Amount Loan Origination Fee Interest Rate Term (Years) Monthly P&I Payments Total P&I Payments $80,000.00 NONE 10% 30 $702.06 $252,746.61
- 15. Income Comparisons Look!!! In This Example Private Lending Earns Approx. $5,000 More Annually Than Current CDs. Certificate Of Deposit Annual Interest Rate Annual Income $80,000 0.940% $752.00 Private Mortgage Annual Interest Rate Average Annual Income $80,000.00 10% $5,758.22
- 16. Benefits Of APrivate Mortgage Loan 3 Higher Interest Rates Title Insurance Steady Income Stream
- 17. Additional Benefits OfA Private Mortgage Loan First Lien Position Real Property As Collateral Principal Is Secure
- 18. How Do IGet Paid Back? 4 Monthly Principal And Interest Paid As Required For Term Of Loan Early Pre-Payment Of Loan The Mortgage Is Assigned To Another Lender
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- 20. For further informationcontact: J ZAPPA Realty Corp 1225 Franklin Avenue Suite 325 Garden City, NY 11530 Tel: 516-512-8946 Fax: 516-599-2005 10 GlenLake Parkway Suite 130 Atlanta, GA 30328 Tel: 678-353-3235 Fax: 678-222-3401 Email: [email_address] www.jzapparealtycorp.com