The document describes a private lending program offered by The Tommy Group. The program allows private lenders to earn 10% interest by lending money to The Tommy Group, which uses the funds to purchase, renovate, and sell residential properties. The company focuses on acquiring distressed homes below market value and improving them. This provides returns above standard bank rates with secured investments and no early withdrawal fees for lenders. Interested individuals can meet with a representative or invest online to begin earning 10% returns.

1. PRIVATE LENDING
“Making Your Money
Work For You”
“Working Smarter
Not Harder!”

2. Welcome
•We thank you for taking the time to
consider what we believe to be a life
changing event by providing the
American Dream of Homeownership.

3. Company Overview
What is Private Mortgage Lending?
What’s in it for you?
How you benefit.

4. Private Lending
Overview
 We buy and sell houses.
 To purchase the houses we prefer to borrow money
from private lenders.
 We pay you 10% to use your money.
 Its that simple.

5. Private Lending BENEFITS
Secured
Hassle-free
Superior Yields

6. Private Lending
The Tommy Group
Owner and Founder: Tommy
Thompson
Team Members:
Title Company: Stewart Title
Acquisition Manager:
Network Coordinator:

7. ABOUT US
 The Tommy Group is a private real
estate investment company.
 We acquire, rehabilitate, and lease
residential and, commercial real estate.
 Our goal is to provide affordable housing
to tenants, first-time home buyers and
the general public.

8. Company Story
We all have passion that drives us
We all have gifts and abilities and
I started this company to use my
gifts and abilities to serve
others.

9. Our Website:
www.HigherCincyReturns.com

10. Investment Area Covered
 Our scope encompasses the Cincinnati,
Ohio market, and other outlining areas
that are growing.

11. Competitive Advantage
 Our competitive advantage is speed
to purchase a property and
knowledge of creative real estate
techniques.

12. House Purchased

13. Before and After

14. RULE of 72’
 Rule of 72’ is a way to determine how long an
investment will take to double by dividing 72
by the annual rate of return.
 How long will it take for your investment to
double?
Example: Investment of $100,000.00
Rate of Return 3% = 24 Years = $200,000.00
Rate of Return 8% = 9 Years = $200,000.00
Rate of Return 10% = 7.2 Years = $200,000.00

15. HOW DOES YOUR BANK
MAKE MONEY?
CDs Mortgages
X
Pays low % rate Charges high % rate
www.HigherCincyReturns.com
eliminates the middle man

16. HOW IT WORKS
Private Lender
Documents Securing
10% Interest Payment Investment
Rent Payment Renovated Home
Tenant - Buyer

17. INTEREST PAYMENT
OPTIONS
 Monthly Payments of 10%
simple interest
 Quarterly Payments
 Lump Sum Payment at end
of year with principal and
interest included

18. EARLY WITHDRAWAL OF CD
Example: $100,000
Bank The Tommy Group
CD Rate: 4% Interest Rate: 10%
Term: 1 year Term: 1 year
Termination Fee: $1,000 Termination Fee: $0
Interest Paid: $4,000 Interest Paid: $10,000
**$10,000 - $1,000 = $9,000 NET GAIN**
There is no early withdrawal fee with
The Tommy Group

19. WHAT IS THE PRIVATE LENDERS
BIGGEST CONCERN?
Protection of Your Investment,
of course!
# 1 Rule:
Total loan amount borrowed by The Tommy
Group will not be higher than 85% loan-to-
value after renovation work is completed.
We don’t over leverage the property which
= additional security for you.

20. THERE IS ALWAYS PLENTY OF
INVESTMENT ABOVE YOUR LOAN
< $100,000 After Renovation
< $85,000 Max Loan (85% LTV)
$15,000 Instant Equity Cushion!

21. DOCUMENTS SECURING
YOUR INVESTMENTS
 Promissory Note –
defines the terms &
conditions of your
investment.
 Deed of Trust –
mortgage secured /
recorded against the
property.
 Title Insurance –
protection for lender
policy. (Case by case
basis) Individual Lenders (YOU) Have No
Expenses
 Hazard Insurance

22. UNDERSTANDING YOUR
INVESTMENT OPTIONS
ARE YOU… DO YOU HAVE…
• Retired? • IRA’s?
• Laid Off? • CD’s or Savings
• Have you quit your job? • 401K’s?
• Pension Plans?
• Whole Life Insurance?
If so, we can help allocate your investments while
your returns remain
tax-deferred or tax-free.
You’re in Control, We Just Do The Paperwork

23. The Tommy Group
PURCHASE PROPERTIES
From…
• Banks •Foreclosures
• Private Individuals •Estates
• Realtors •Other Investors

24. HOW DO WE BUY HOUSES
BELOW MARKET VALUE?
 We Specialize in finding
distressed properties that
usually need renovation.
 We know where to look,
what to buy, what not to
buy, and how to renovate.
 We create maximum value
and improve the
community by remodeling
the property .

25. PEOPLE WHO BUY HOMES
FROM The Tommy Group
First-time homebuyers
&
purchasers who cannot qualify through
conventional financing
We help people achieve the American Dream of homeownership

26. The Next Step ?
 By now you know how this program works
and how you can earn 10% starting today.
 You have (3) options:
We hope you decide to join our team

27. The Next Step ?
1) Do nothing. This isn’t for you. Can you
give us names of folks that you feel it
would serve.
2) Set up a one-on-one meeting and move
forward by investing with us.
3) Yes, I am ready to get started.

28. CLOSING STATEMENT
Work Smarter Not Harder!
Make Your Money Work For You!
Start earning up to 10% today!

29. How To Find Us
 Web Site:
HigherCincyReturns.com
 E-Mail: Tommy@
HigherCincyReturns.com
Phone 804-554-9763