Private Investors - Here's How To Earn Incredible Returns On Your Money!

In this time of roller coaster stock markets, interest rate cuts and not to mention the tragedy of September 11th, are you getting the 15% or more yield on your stocks, CD’s, savings accounts, IRA’s, pension plans or other investments? Now, if the answer is no, and I’m sure that it is, the following information could make you a lot of month in the coming years simply by increasing the yield on the same money you’re investing now.

Lucian Johnson is a professional real estate investor that has been buying, renovating, and selling single family homes in the Greater Cleveland and Euclid area since 1995. Now I’d like to spend the next few minutes talking to you about the way you can control your investments, and safely make them grow at three to five times your current rate.

Yes, I know this sounds too good to be true… but it isn’t. What I’m going to share with you is very common in real estate circles. It has been going on right under your nose in every city in America. Smart people have been utilizing this investment for years. In fact, there have been entire companies built around this investment and those that have been used properly have grown to huge proportions. This is a very safe investment that produces high yields at the same time providing security and liquidity.

Let me ask you a question, can you really afford not to control your own investments? Does it really make sense to let a bank run your investments for you? Now, they would like you to believe it does.

Well, there is an alternative for you to consider and that alternative is Private Mortgage Loans. You can loan money secured by a first mortgage that will not only give you the safety you want, but will also give you the high yield I told you about, or even higher.

Now let’s discuss both the pros and cons of loaning on real estate. First let’s clarify what kind we at Gene-Ra Investments do not get involved in. I’m talking about those high loan to value loans that banks and savings and loans made and got into trouble a few years ago. What we deal with is very low loan to value loans. By that I mean no higher than 65% of the value of the property securing the loan. As an example to show what I mean, a property is worth say one million dollars. Using the formula, you wouldn’t make a loan for higher than $650,000. That’s a 65% loan to value. Now it’s obvious why this is a much safer approach than most lending institutions do. Banks got into trouble because they made, and still make, loans 90 - even 125% - loan to value ratio.

Now let me see if I may be able to answer some questions that you have about making Private Loans to Gene-Ra Investments and Lucian Johnson.

Is this a mortgage pool?

No, you make the whole loan yourself. You will get a lien, first mortgage, against the property. You’re the bank and you’re in control.

Lucian Johnson of Gene-Ra Investments believes that unless you are highly skilled in real estate matters, you should invest with a professional. And Gene-Ra Investments will not only place the funds for you, they will also get you the proper Promissory Note, real Mortgage and Homeowner’s insurance policy and none of this costs you anything. All costs are paid by the borrower, in this case, Lucian Johnson and Gene-Ra Investments. As an example, if you make a one million dollar loan, you get a first mortgage that is recorded, against that property for a million dollars and you will also get a Promissory Note signed personally by Lucian Johnson and his wife. Lucian Johnson believes in personally signing and will not hide behind a corporation.

Do I collect the payments?

Absolutely not! Gene-Ra Investments sets up the account in their office and will mail the payment to you or deposit it in you bank account or IRA, whatever you prefer. This can and should be a hassle-free investment.

What about the term of the investment? Is it a long-term investment?

No. It can be almost any term you want. Remember, you are in control. We can make it five years or less, or stretch it out to ten years, or even fifteen years. You pick the term that suits your strategy for your investment. It can be a quick turn deal, which Lucian is famous for.

It’s your money and your choice. Of course Lucian Johnson and Gene-Ra Investments will come to you with a term that suits your needs. If that works for you, then it’s a go. If not, it’s up to you to change your mind.

Ok, some more questions.

What if you want to liquidate?

If you want out, it takes from two to four weeks to replace your investment capital. But you really should not make mortgage loans if you feel you will have to liquidate shortly, though the option is always available. Just call Gene-Ra Investments and they will handle all of the details. Lucian Johnson learned a long time ago that it’s not the cost of money that matters, it’s the availability of it. Remember, you will only be making a loan that is 65% or lower loan to value ratio! You’re making a safe loan in all cases. You should never make a loan without a 35% or better safety net. If you don’t violate that rule, you’ll always come out a winner.

How much of your investments goes to brokerage fees or commissions?

Absolutely none of it. If you make a one million dollar investment with Gene-Ra Investments, all of the one million dollars goes to work for you. Unlike those mutual funds, and stocks, where you pay six, seven, eight percent or more in brokerage fees and commissions. That means you are six, seven or even eight percent ahead right from the start!

Your money will grow two, three, four times faster than your current investments. And in addition, you maintain control.

Making real estate loans is an approved and widely accepted use of IRS’s and pension plans. Think of it… now you can not only loan our money that has been unavailable for your use, but you can make it grow rapidly, tax deferred. Since Uncle Sam isn’t taking a bite out of your profits until you draw out the money, your money is left in the account to compound and grow. And the results are staggering. You’ll be receiving interest on interest, on interest, and it’s all legal and approved by the IRS.

Now we’ve covered a lot in the short time we’ve had together and I hope I’ve enlightened you on some of the awesome powers of making private real estate loans. If it appeals to you, I can’t think of a better time to get started than right now! While most people are complaining about the low rates they are getting on CD’s and how they are getting hammered in the stock market, you can be receiving 15% per year and in some cases, a percentage of the net profit on your private real estate loans. And that’s all the time, not just when you get a hot stock.

So what’s is going to be? Are you going to take control and make sure that when you get ready to retire that you can do what you want without worrying about money? Mortgage lending is an incredible way to build wealth in a hurry that most people aren’t aware even exists!

You are not one of those people that are uninformed any more. Go for it, and happy investing!

Call Lucian Johnson at his office at 216-472-3583 or email us now.

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