Credit Investor
Program overview and
guidelines.
About the Credit Investor Program:
What is a credit investor?
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A credit investor is a person who obtains a mortgage in their name for the funds needed to invest in our seller financing program. Unlike a cash investor the credit investor is using their credit, via the mortgage in their name, to invest.
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Partnering with credit investors allows us to leverage of today’s historically low interest rate for increased profitability.
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Co-ownership real estate investing offering zero or minimal net investment and safe returns to investors with good income and credit.
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20% down payment needed from credit investor ~ refunded immediately after start of investment.
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NO experience required – co-ownership with experienced seller financing company who manages the entire investment process, from initial setup, to management to final payoff.
This net zero down investor program allows you to buy MULTIPLE properties with a single down payment.
Use the same down payment over and over.
And, after several investment purchases still have zero to minimal net cash invested.
How the program works:
We partner with investors who can qualify for traditional bank financing to buy properties here in Arizona. We partner to purchase homes for our “U-pick seller financing program”.
Our company is constantly screening buyers who cannot qualify for traditional financing but will be able to in three to five years. We require these "non-qualified" buyers to have a minimum down payment of 20% (10% for well qualified borrowers), good income and improving credit. These buyers work with our licensed real estate company to find the home they want – they pick the home of their choice! These buyers agree to an increase in price in exchange for our company purchasing the property they choose and providing seller financing.
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We qualify the buyer through our licensed mortgage company.
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The Seller Financing buyer agrees to our terms: Price increase, down payment, interest rate, monthly payment.
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Buyer chooses a home from ANY home for sale.
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We partner with one of our pre-approved credit investors to purchase the home buyer picked.
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Once home is purchased, we sell to buyer via seller financing.
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Get pre-approved and request to be a credit investor here.
Why we partner with investors:
With interest rates so low it is an incredible time to invest in real estate. We buy multiple homes per month for our U-pick seller financing program. Like any real estate investment firm, we need to continually raise capital to keep acquiring properties. We have found cash investors seek a higher return than the rates offered by banks for traditional mortgages. Therefore, we seek what we call “Credit investors” to replace our traditional cash investors. This increases our investment returns by 2+% annually. On a $300,000 property, this results in additional profits of $30,000.
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Invest your credit, not your cash!
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Our investments are safer than traditional real estate investing.
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Seller financing buyer provides large down payment.
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Seller financing buyer occupies the home as their primary residence.
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Seller financing buyer pays all property expenses, including taxes and insurance.
What we do to earn our partnership interest:
Through our well-established marketing systems we find buyers who have a large down payment but cannot qualify for traditional bank financing. These buyer down payments are paid out to our credit investing partners so the credit investor has zero-net cash invested yet retains an ownership interest in each property. This down payment from our seller financing buyer also provides the investment with the equity protection needed to make it safe. The buyer's down payment increases our equity position in each investment and provides our investments with added security over traditional real estate investments. The result is our credit investors are investing in real estate at a 20% discount on every transaction.
The credit investor does not need prior real estate investing experience. This investing model provides safe consistent monthly returns and large profits without the constant management normally associated with real estate investing. Our seller financing buyers take much of the investment risk - making this investing model very safe with consistent returns.
Use your GOOD CREDIT capitalize on today's real estate market. Our program allows investors with a 680 credit score or better to purchase as many as 10 properties at any given time with zero net money out of pocket. And with this partnership program, you can even put cash in your pocket at the start of each investment - some of our investors pocket as much as $10,000 per investment up front.
What do we invest in? Our seller financing buyers find home in the greater Phoenix, Arizona area - typically single family homes priced between $150,000 and $600,000.
Our extensive marketing campaign locates buyers who have the large down payments yet need seller financing. Our pre-qualification screening process and the large buyer down payment requirement make these investments very safe. Our seller financing buyers agree to pay a higher price and higher interest rate making the investments very profitable. Eventually when these buyers can obtain their own financing a large profit is realized when the investment is paid off. These investments consistently produce 10%-20% price mark-ups and monthly cash flow that can double the overall investment profit. Hold times are 3 to 5 years. Profit per investment averages $300- $1000 per month plus an additional $25,000 - $50,000 when the investment is paid off. On average $30,000 overall profit per $100,000 of loan obtained.