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Private Lending Opportunity

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J ZAPPA REALTY CORP offers qualified individuals and corporations a way to utilize their available funds to achieve the highest returns on their principal through Private Mortgage Lending . This is a proven investment strategy that has been used by the most sophisticated of investors. By offering first lien positions on our properties, we can offer between a 4 - 10% return secured by a mortgage - a mortgage on properties with built-in equity as these deals were negotiated with lenders and purchased below market value.

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Private Lending Opportunity

  1. 1. J ZAPPA Realty Corp Private Mortgage Lending Opportunity
  2. 3. Benefits Of A Private Mortgage Loan 1 How Does A Private Mortgage Work? 2 What Is A Private Mortgage Loan? 3 How Do I Get Paid Back? 4
  3. 4. 1 What Is A Private Mortgage Loan? <ul><ul><ul><li>Mortgage loan funded by; </li></ul></ul></ul><ul><li>-Private Individuals </li></ul><ul><ul><li>-Retirement Funds </li></ul></ul><ul><ul><ul><li>Produces predictable income stream to Private Lender </li></ul></ul></ul><ul><li>• Mortgage Lien provides security, protection and recourse </li></ul>
  4. 5. 2 How Does A Private Mortgage Work? Simple Plan You Earn High Interest!! We Borrow Money From You! We Buy Houses
  5. 7. Certificate Of Deposit Money Market Fund Savings Account You Get Low Interest Rate
  6. 9. Personal Loans Auto Loans Home Loans Bank Gets Higher Interest Rate
  7. 11. We Purchase House We Maintain House We Pay You YOU Earn High Interest Rate!! You Are A Private Bank!
  8. 12. You Provide Financing We 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
  9. 13. How A Private Mortgage Program Can Work For You <ul><li>Proposed loan: $80,000 To be secured by 1 st mortgage on a multi-family home. </li></ul><ul><li>Interest Rate: Varies by each property. Can be up to 10% per term of loan. See Chart below. </li></ul><ul><li>No Fees </li></ul>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
  10. 14. How A Private Mortgage 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
  11. 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
  12. 16. Benefits Of A Private Mortgage Loan 3 Higher Interest Rates Title Insurance Steady Income Stream
  13. 17. Additional Benefits Of A Private Mortgage Loan First Lien Position Real Property As Collateral Principal Is Secure
  14. 18. How Do I Get 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
  15. 20. For further information contact: 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

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