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Private Mortgage Investing Advantages

Advantages of buying real estate with a self directed IRA or 401k.

self-directed-ira

  • Safety

Your money is secured by a 1st position mortgage lien, which is further protected by title insurance and a hazard insurance policy. House burns down – you get paid! Title problem – you get paid! Also, the amount borrowed will never be more than 65% of the quick-sale value of the property. This leaves a lot of equity in the property as a safety cushion in the event of default.

  • An Investment You Can Touch

This is an attractive feature for investors. Stocks and bonds tumble all over the place and are controlled by some faceless “expert”. You can never really touch your investment. There is an inherent sense of stability people relate to tangible assets such as land and buildings. Values fluctuate, but not as wildly as stocks and bonds and real estate virtually never goes to zero; thus, there is less risk of losing your principal investment.

  • Professional

The principals of You Can Be the Bank are seasoned real estate professionals and only use other seasoned real estate professionals as third party vendors when conducting transactions. This adds another layer of safety and security for the investor.

  • Completely Hands-Off

This can be a completely passive investment leaving more quality time for you and your enjoyment. You’ll leave the particulars of underwriting, closing and servicing of the loan to the real estate professionals. With this type of investment, you won’t have to worry about midnight calls from tenants or lie awake wondering if your stock portfolio will crash the next day.

  • Compounding

 Many “standard” investments such as high-yield CD’s compound one time per year. Our hard money model allows us to compound investor money sometimes up to 3 times per year, thus dramatically increasing investor ROI.

  • Flexibility

 You can choose when to invest and how much to invest.

  • It’s Fulfilling

 People like the idea of being a bank which, in essence, is what you’re doing. Why not make a fortune in real estate lending, like banks do, if you have the resources available to do it?

  • Diversification

 Branching out into other asset classes enhances investor security.

  • Easy to Understand

 You don’t need a PhD in puts, calls, options, candlestick charts, etc. to understand this investment model.

  • Predictability

 Your returns are not dependent on the whims or daily mood of the stock market. They are determined at the time the loan is written, so you don’t need to monitor charts or the daily news to know what your returns are going to be.

  • Proven, Sound Investing

This type of investing has been around longer than the stock market, longer than the United States – even longer than paper currency!

We have prepared an investor guide for you to download and read. This will tell you all you need to know about retirement investing using private mortgage notes and you investment vehicle.

 

Thank you for your interest in working with You Can Be the Bank. YCBTB does not represent that the offerings are suitable or appropriate for all potential investors or clients. The fact that YCBTB has made the data on this offering available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any offering described on this offering or on our website is suitable or appropriate for you. Some of the offerings described on our website or in this offering involve risks, and you should not enter into any transactions unless you have fully understood all such risks and have independently determined that such transactions are appropriate for you. This offering, provided only for current and prospective clients of YCBTB , does not intend to provide investment, tax or legal advice and you are responsible to seek advice from your own business advisor, attorney, tax advisor, or accountant. We look forward to the opportunity to work with you.