Topstone pml presentation_v2

Private Money Lending

1. ì
Private Money Lending
An Overview by Bobby Sharma, CTO & VP-Digital Marke?ng
www.topstoneinvestment.com
Bobby Sharma
4041 NE Lakewood Way, Ste 100
Lees Summit, MO 64064
650.200.8594 (Cell)

2. What is Private Money Lending
ì A private money lender is a non-ins?tu?onal (non-bank)
individual or company that loans money, generally secured by
a Promissory Note and Deed of Trust or mortgage, for the
purpose of funding a real estate transac?on. Private money
lenders are generally considered more rela?onship-based
than hard money lenders. Our previous private money
lenders take the same posi?on as a bank and have all the
same protec?ons. Please contact for more informa?on.
* This is not a solicita5on. Examples are based on loans secured with exis5ng private lenders.

3. Key documents
ì Promissory Note
ì Deed of Trust (or Mortgage) / 1
st
posi?on lien
ì Lender’s Title Policy
ì Addi?onal Loss Payee on Insurance Policy
* This is not a solicita5on. Examples are based on loans secured with exis5ng private lenders.

4. Example
Previous Loan Example
Purchase Price $40,000
Rehab Cost $15,000
Current Value $65,000
Amount of Loan (75% of current
value) $48,750
Monthly interest payments (12%) $487.50
Investor’s cushion $16,250
* This is not a solicita5on. Examples are based on loans secured with exis5ng private lenders.

5. About Topstone Investment, LLC
ì Over 300 SFR, Duplexes
owned and managed
ì Formed in 2014
ì 4 partners (all 15+ years
experience)
ì Focused on Sec?on 8
housing
ì Focused on cash flow
* This is not a solicita5on. Examples are based on loans secured with exis5ng private lenders.