This document provides an overview of investing in high yield trust deed investments through VestCap. VestCap is a collaborative of senior mortgage professionals that provides private lending opportunities secured by real estate in California. They offer short-term bridge loans and rehab loans up to 65% loan-to-value. This creates opportunities for high returns of 12-16% for investors. The investment cycle involves VestCap originating, underwriting, and managing the loans, while investors earn monthly interest payments. Being secured by real property titles and VestCap's expertise in underwriting and due diligence helps ensure the safety of investments.

1. Investing in High YieldTrust Deed Investments Presented by Scott Stockdale CEO VestCap

3. Who is VestCap?

4. What Loan Types do We Offer?

5. Borrower Type

6. The Opportunity

7. Benefits of Private Lending

8. The Investment Cycle

9. How to Invest in High Yield Trust Deeds

10. Ways to Participate: Direct Loans vs. Being a Sponsor

12. Private Equity Loan Types All First Position Trust Deeds Short-Term Bridge Loans Ranging 6-24 Months. VC Only Lends on Commercial and Non-Owner Occupied Investment Properties. Rehab “ARV” Loans that Finance the Acquisition and Repair of a Property, Similar to the FHA203K. Low Loan to Value 65% Maximum Exposure. Security, the Trust Deed Beneficiary is Recorded on Title of Real Property .

13. Opportunity in Any Cycle Banks Not Lending = Excellent Returns Many Investors Can Not Qualify For a Loan Regardless of How Much Money They Have to Put Down. Real Estate Profits Always on the Buy Side Lots of Motivated Sellers = Heavily Discounted Prices Many Home Owners are Opting to Foreclose or Short Sale, Creating a New Lending Cycle Over The Next 5 -7 Years. Poor Credit Equals Equity Lending, High Down Payments and Rates.

15. Why

16. Short-Term Borrowers are Not Rate Sensitive

17. Speed, Faster Closings Get the Deal, and For Less

18. Cost of Funds are Small in Relation to Total Project Revenue

19. Lack of Liquidity, Investor Loans Rely on the Secondary Market. There is None…

21. Repairs/ Rehabilitation $60,000

22. Soft Cost Closing & Debt Svc $35,700

23. Total Cost $545,700

24. Quick Sale Value $625,000

25. Gross Loan/ 65% Max $406.000

26. Investors Own Funds of $139,700

27. Soft Cost Sales/ 4% $25,000

28. Net to Investor $54,300 Creating a Return of 39% to the Investor

30. Qualifies for Self-Directed IRA’s

31. Earn High Returns

32. Typically 12%-16%

33. Real Estate Secured

34. Low Loan to Completed Value <65%

35. Quick Portfolio Turn Over

36. Minimizes Market Risk

38. Ways to Participate You Can Provide Direct Loans Pros: You Have More Control of What You Review Cons: Requires Direct Origination, Underwriting and Back Office Support Cost. Usury Limits You Can Sponsor a Broker Like VestCap Pros: Expertise in Origination, Underwriting & Portfolio Management. We Work For You. Cons: Passive Real Estate Investing

39. Keys to Success Property Value is the Key. You are Lending on the Asset Appraisal or Comparative Market Analysis “CMA” Underwriting and Due Diligence Borrowers Ability to Service the Debt Know the Borrowers Exit Strategy, Refinance or Resale. If Refi, be Sure the Borrower Will Qualify for the Take Out Loan.

41. Regardless, Where the Funds Come From VestCap Offers Self-Directed LLC Accounts You Control.

42. Solid. Our Teams Expertise and Ideology

43. We Know California Real Estate and Lending

44. Secure.

46. 620 Newport Center Dr. Main: 949.644.8700Suite 1100 DRE# 186592Newport Beach,CA 92660 www.VestCap.net VestCap