Private Lender Wanted - High Returns

Hello, my name is Bill Syrios and I started Stewardship Properties with the purchase of a home near the University of Oregon in 1989. Steadily our business grew from those small beginnings along with our expertise in real estate. If you’d like more information about us, please click here: Our Mission & Us.

From the beginning our business involved private lenders— first, my dad, then friends, and later many others. Now I have an invitation for you to consider—to join us as well.
First, Let’s Start with a Question:

Is Your Money Really Working For You?
Most people have savings locked up CD’s, the stock market, IRA’s, 401K plans, even the equity in their own homes that is not giving them a very high rate of return or is not very consistent.

A Better Way—Private Lending
Stewardship Properties has been buying, fixing up, renting and selling real estate since 1989. We have made a significant amount of money doing it and so have many others who have acted as SILENT PARTNERS by lending capital to us and receiving a high rate of return on their money.

We use relatively modest amounts of capital to buy houses and do minor repairs in order to sell them at a profit. Private money allows us to move quickly in order to secure the really good deals. Depending on the opportunity, we give our lenders a 8-15% fixed return, safely secured by the properties we are buying, improving and selling. Any money we borrow uses the property purchased as collateral with the safety net of a large equity and our nearly 20-year track record behind it.


Your Rate of Return— Depending on the deal your interest rate is between 8-15% The Difference in a Low Interest Rate and a High Interest Rate is Very Significant

$25,000 at 4% interest over 5 years is worth $30,000. $25,000 at 12% interest over 5 years is worth $40,000 — a difference of $10,000 (or $2,000 per year) $100,000 at 4% interest over 5 years is worth $120,000 $100,000 at 12% interest over 5 years is worth $160,000— a difference of $40,000 (or $8,000 per year)

Your Security—

Your loan-to-value (LTV) position is no more than 80%.
So your loan has at least a 20% safety cushion, and often much more.
Additionally, when you loan us capital, you receive:
     • A Promissory Note that states the interest rate and terms of repayment.
     • A Trust Deed that acts as collateral for the Note against a piece of property.
     • A Lender’s Title Insurance Policy to protect the property collateral against any title claims.
     • Named as an “Additional Insured” so you are confident in case of a fire that the house is
       protected against loss. As a lender you are NOT liable for anything related to the property.

	So, how do we make this happen? We purchase houses at WHOLESALE PRICES. First and foremost we are a marketing company—with a large letter campaign and even a We Buy Houses Truck to get potential sellers to contact us.

	Our marketing gets the attention of thousands of sellers (including banks with foreclosure properties) who are willing to sell at a discount because we are able to buy quickly, in “as is” condition, and with all cash if necessary.

	OUR GOAL is to buy properties at a 20-40% discount to give us an adequate profit margin.

Then, What Do We Do?
We sell houses for close to RETAIL PRICES.
We concentrate our efforts on three types of properties:
   1) Those that can be sold as “handyman specials” for a modest profit margin.
   2) Those that need cosmetic fix-up and can be turned for a larger profit margin.
   3) Those properties that people can lease/option back for longer term wealth build-up.

Here’s Just One Example
The Property—3217 Onyx Pl.: Above is a property we purchased in a desirable area of town that had great potential but a very dated appearance inside and out. We bought it for $120,000 and put in $60,000 remodeling for a total of $180,000. The property then appraised for $255,000.

The Financing: In this case we borrowed $120,000 from a private party at 9% interest. The deal was very secure because we committed a large amount of money to remodel the home—$60,000.

The Outcome: We decided to keep this home and are able to rent it at a higher than normal rate because of its proximity to campus. It is currently rented for $1,695 per month.

Purchase Price	$120,000
Private loan (1st)	$120,000
Total after our remodel	$180,000
Value after remodeling	$255,000
Equity Safety Cushion	70% LTV

Private Loan (1st)	$120,000
Monthly payment at 9%	$900
Monthly payment at 4%	$400
Amt. more over 2 yrs.	$12,000
9% Return Over 2 yrs.	$21,600

The Process Each deal is done on an individual basis
Step 1 – Tell us you are interested If you’re interested, tell us what criteria you are looking for in a deal such as loan terms, rate, property location, etc. You can ask to review potential deals as they come up.

Step 2 – Look over the deal When we have a deal that fits your criteria, we will bring it to you and show all the relevant data. We use conservative comps and other information to indicate its value.

Step 3 –Make a decision

If you choose not to loan money on a certain property, that’s fine. There will be other properties. If you do like the deal, we will sign the paper work and your loan will be backed by the property as collateral. You then begin earning an immediate return on your investment.

Where do we go to from here?
For fastest service call Bill at 541-221-4242, or fill out the contact form below and we will give you a call.

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