Investing Made EasyInvesting Made Easy

““Where To Get The Where To Get The Money”Money”

Agenda Agenda Choices For Your Retirement Choices For Your Retirement

FundsFunds

Self Directing Your IRASelf Directing Your IRA

Options You HaveOptions You Have How you benefit.How you benefit.

Please hold your questions for (2) reasons:1) I’ll probably answer it anyway

2) Some folks are on time restraints

Would You Like More Choices Would You Like More Choices For Your Retirement Funds?For Your Retirement Funds?

It’s a common misconception among Americans It’s a common misconception among Americans that the only investments allowed in a retirement that the only investments allowed in a retirement account are:account are: CD’sCD’s StocksStocks BondsBonds Mutual FundsMutual Funds

Truth is that broader investment options have Truth is that broader investment options have been available to the public since 1975, the first been available to the public since 1975, the first year contributions could first be made to IRA’syear contributions could first be made to IRA’s

More Options AvailableMore Options Available

While these kinds of accounts may be While these kinds of accounts may be right for some, they don’t offer the kind of right for some, they don’t offer the kind of freedom that a self-directed qualified freedom that a self-directed qualified retirement plan offersretirement plan offers

What Does Self Directed What Does Self Directed Mean?Mean?

To fully maximize your investment options, To fully maximize your investment options, you need to have a retirement plan that you need to have a retirement plan that allows allows youyou to select your own self-directed to select your own self-directed investmentsinvestments

A fully self-directed retirement plan allows A fully self-directed retirement plan allows you the freedom to invest in many types of you the freedom to invest in many types of assets- assets that are not prohibited by assets- assets that are not prohibited by the U.S. Treasury Department regulations the U.S. Treasury Department regulations and the Internal Revenue Codeand the Internal Revenue Code

The IRS decided not to tell us The IRS decided not to tell us what types of investments we what types of investments we cancan make in our IRA’s, rather make in our IRA’s, rather

what we what we cannotcannot invest in. invest in.

Prohibited HoldingsProhibited Holdings Investment of IRA funds in life insuranceInvestment of IRA funds in life insurance CollectiblesCollectibles

Works of artWorks of art RugsRugs AntiquesAntiques Metals other than gold or palladium bullionMetals other than gold or palladium bullion GemsGems StampsStamps Coins (other than certain U.S. minted coins)Coins (other than certain U.S. minted coins)

Prohibited Transactions In A Self Prohibited Transactions In A Self Directed IRADirected IRA

Borrow money from the IRABorrow money from the IRA Sell, exchange or lease personal property to the Sell, exchange or lease personal property to the

IRAIRA Use the IRA as security for a loanUse the IRA as security for a loan Transfer plan income or assets to disqualified Transfer plan income or assets to disqualified

personspersons Lend IRA money to disqualified personsLend IRA money to disqualified persons Furnish goods, services, or facilities to disqualified Furnish goods, services, or facilities to disqualified

personspersons Allow fiduciaries to obtain or use the plan’s income Allow fiduciaries to obtain or use the plan’s income

or assets for their own interestor assets for their own interest

For IRAs Or 401ks, For IRAs Or 401ks, A Disqualified Person Is…A Disqualified Person Is…

The IRA holder and his or her spouseThe IRA holder and his or her spouse The IRA holder’s linear descendants, The IRA holder’s linear descendants,

ascendants and their spousesascendants and their spouses Investment advisors and managersInvestment advisors and managers Any corporation, partnership, trust, or Any corporation, partnership, trust, or

estate in which the IRA holder has a estate in which the IRA holder has a 50 percent or greater interest50 percent or greater interest

Following Are Not ProhibitedFollowing Are Not Prohibited

Transactions with;Transactions with; Siblings (Brothers and Sisters)Siblings (Brothers and Sisters) Stepchildren or step grandchildrenStepchildren or step grandchildren FriendsFriends StrangersStrangers

Think About How Your Bank Think About How Your Bank Makes Money Today?Makes Money Today?

They take in money on low interest They take in money on low interest savings, IRA’s, and CD’s. savings, IRA’s, and CD’s.

They then loan the money out at a higher They then loan the money out at a higher rate of interest to other people to buy rate of interest to other people to buy houses.houses.

We Can Show How You Can Be The Bank.

What Types Of Real Estate What Types Of Real Estate Investments Can Be Made With Investments Can Be Made With

Your Retirement Funds?Your Retirement Funds?

Single Family Homes Single Family Homes Multi- Units / Apartment BuildingsMulti- Units / Apartment Buildings Condominiums (residential-office)Condominiums (residential-office) Raw LandRaw Land Options on any of the aboveOptions on any of the above Tax Lien CertificatesTax Lien Certificates MortgagesMortgages NotesNotes

Why Real EstateWhy Real Estate

Real Estate offers a class of investment Real Estate offers a class of investment asset that helps to diversify the portfolio of asset that helps to diversify the portfolio of investments within your IRA/401Kinvestments within your IRA/401K

Easy to understand the local market Easy to understand the local market because we live here;because we live here;

We know what local homes and land are We know what local homes and land are selling forselling for

We know what local rents areWe know what local rents are

Why I Like Buying Why I Like Buying Real Estate With My Real Estate With My

Self Directed IRASelf Directed IRA I’m in controlI’m in control

As opposed to loaning $$ to As opposed to loaning $$ to someone elsesomeone else

High returnHigh return Potential to an even higher Potential to an even higher

return if they leavereturn if they leave Consistent monthly $$$Consistent monthly $$$

Investment Property Investment Property Money MachineMoney Machine

Self Directed IRA Funds

Sent To

How It Works

Closing to Purchase

Find

BuyerFunds Return to

Self Directed

IRA

Closing to Sell

Locate Investment

Property

Formula For SuccessFormula For Success

Following is an exampleFollowing is an example Buy an investment Buy an investment

property for $80,000property for $80,000 Sell for a higher price Sell for a higher price

than what you paidthan what you paid $100,000 sales price$100,000 sales price Mortgage issued at 8 ½% Mortgage issued at 8 ½%

=$762.92 a month=$762.92 a month $762.92 month x 12 $762.92 month x 12

months=$9,227.04 a year months=$9,227.04 a year back into your IRAback into your IRA

That’s a 12% returnThat’s a 12% return

Same $80,000 in a bank Same $80,000 in a bank CD @ 5%= $4082.20CD @ 5%= $4082.20

$9,227.04$9,227.04

$4,082.20$4,082.20

$5,144.84$5,144.84

If they pay all 30 yrs If they pay all 30 yrs that is $276,811 paid that is $276,811 paid into your IRA for a into your IRA for a $80,000 Investment$80,000 Investment

Win/Win AdvantageWin/Win Advantage

You can adjust the mortgage so it works You can adjust the mortgage so it works for the buyerfor the buyer

They pay all taxes and insurance because They pay all taxes and insurance because you actually sell property to themyou actually sell property to them

Since you buy property with IRA funds Since you buy property with IRA funds youyou have NO mortgage paymentshave NO mortgage payments

Goal could be to have them pay loan off in Goal could be to have them pay loan off in 30 years or you could balloon it to be paid 30 years or you could balloon it to be paid back in 5-10-15 years, etc.back in 5-10-15 years, etc.

I picked 8 ½% interest because I want to I picked 8 ½% interest because I want to get as much as I can without them get as much as I can without them refinancing. You could charge more but in refinancing. You could charge more but in time they might refinance.time they might refinance.

If they don’t pay you then you can If they don’t pay you then you can foreclose and fix the house to sell again – foreclose and fix the house to sell again – but it’s done with IRA moneybut it’s done with IRA money

Take Control Of Your FutureTake Control Of Your Future

Are You:Are You: RetiredRetired Self EmployedSelf Employed Laid OffLaid Off

Have You:Have You: Quit Your jobQuit Your job

You can self direct your IRA You can self direct your IRA (Traditional/Roth) or pension plan.(Traditional/Roth) or pension plan.

Your returns stay tax deferred or Your returns stay tax deferred or tax free.tax free.

It’s simple, easy and we can show It’s simple, easy and we can show you how to do it.you how to do it.

If You Have Money In IRA’s, If You Have Money In IRA’s, 401K Pension Plans401K Pension Plans

You’re In ControlYou’re In Control

1.1. Open an account with a third party Open an account with a third party administrator (that administrator (that YouYou select) select)

2.2. Transfer/Rollover funds to new plan Transfer/Rollover funds to new plan administrator from your current TPAadministrator from your current TPA

3.3. Self direct funds to closingSelf direct funds to closing

4.4. When house sells (closes), funds are When house sells (closes), funds are sent directly back to administrator / sent directly back to administrator / custodiancustodian

5.5. You decide if you do it againYou decide if you do it again!!

Your BuyerYour Buyer

You don’t need a conventional buyer!You don’t need a conventional buyer! That is the whole idea.That is the whole idea. This is a HUGE plus because they will pay This is a HUGE plus because they will pay

a higher interest.a higher interest.

Buyers Who Need Owner Buyers Who Need Owner FinancingFinancing

Damaged credit score (result of)Damaged credit score (result of) DivorceDivorce Medical situationsMedical situations Temporary job lossTemporary job loss

Lacking large down payment funds .Lacking large down payment funds . Self employed (stated income)Self employed (stated income)

Their situation has since improved, they have good Their situation has since improved, they have good income to move forward, they just need a income to move forward, they just need a chancechance

Administrator / Custodian Administrator / Custodian CompaniesCompanies

The following is a partial list that specialize The following is a partial list that specialize in self directed IRAsin self directed IRAs

EntrustEntrust Equity Trust CompanyEquity Trust Company PENSCOPENSCO Sunwest TrustSunwest Trust Guidant FinancialGuidant Financial TASCTASC

But Alan, What If They But Alan, What If They Don’t Pay?Don’t Pay?

Well, you make more Well, you make more money!money!

Let’s Do The MathLet’s Do The Math They paid for 3 years They paid for 3 years + +

$27,781$27,781 $768.92 x 36 months$768.92 x 36 months

Cost to forecloseCost to foreclose - $1,500- $1,500 Cost to fix houseCost to fix house - - $3,000$3,000

- $4,500- $4,500 Resell house for ORIGINALResell house for ORIGINAL

VALUE of $100,000VALUE of $100,000 Collect down paymentCollect down payment + $5,000+ $5,000

All Expenses Come Out Of The IRA

Let’s Do The MathLet’s Do The Math 11stst buyers had paid down the buyers had paid down the

mortgagemortgage When you put the house back on the When you put the house back on the

market you increase the sales price market you increase the sales price back to the ORIGINAL VALUE for back to the ORIGINAL VALUE for the new buyerthe new buyer

So you start back at the original So you start back at the original sales price and pick up that equity sales price and pick up that equity that had been paid downthat had been paid down

Increase in your net worthIncrease in your net worth

How Self How Self Directed IRA Directed IRA

WorksWorks

Open a new account

Pick custodian specializing in self directed IRAs

Transfer, Rollover funds to new Custodian

Choose How to invest your IRA Funds

IRA Program - How It WorksIRA Program - How It WorksStep 1Step 1

1)1) You locate a property you want to You locate a property you want to buy.buy.

2) You self direct your IRA funds to 2) You self direct your IRA funds to purchase the property.purchase the property.

3) You have a formal closing 3) You have a formal closing

4) Your administrator / custodian 4) Your administrator / custodian signing as ownersigning as owner

IRA Program - How it WorksIRA Program - How it WorksStep 2Step 2

5) You locate a buyer that want’s to buy.5) You locate a buyer that want’s to buy.

6) You self direct your IRA to issue a 6) You self direct your IRA to issue a mortgage for purchase of the property.mortgage for purchase of the property.

7) You have a formal closing with your 7) You have a formal closing with your administrator / custodian signing as owneradministrator / custodian signing as owner

Your Self Directed IRA receives Your Self Directed IRA receives payments,payments, Just Like the Bank Just Like the Bank

HistoryHistoryDream TeamDream TeamWhat to do nextWhat to do next

Company OverviewCompany Overview

Company StoryCompany Story

From meager beginnings in 1995, a From meager beginnings in 1995, a wonderful company called Integrity Home wonderful company called Integrity Home Buyers, Inc., was born. It has become a Buyers, Inc., was born. It has become a serious real estate investment firm located in serious real estate investment firm located in the west central, Ohio region. the west central, Ohio region.

Our goal is to grow the company by Our goal is to grow the company by providing affordable housing to tenants and providing affordable housing to tenants and 11stst time homeowners. time homeowners.

In time, its scope will encompass not only In time, its scope will encompass not only Springfield but the surrounding Springfield but the surrounding communities.communities.

Company Story Company Story ContinuedContinued

The company is a private for-profit real The company is a private for-profit real estate investing company. estate investing company.

We acquire, rehab, sell and lease We acquire, rehab, sell and lease residential and, at times, commercial residential and, at times, commercial real estate.real estate.

Integrity Home Buyers, Inc.Integrity Home Buyers, Inc.

We are a Corporation.We are a Corporation. Short-term hold properties.Short-term hold properties. Manages rentals.Manages rentals.

Competitive AdvantageCompetitive Advantage

Our competitive advantage is Our competitive advantage is speedspeed to to purchase a property and purchase a property and knowledge knowledge of of creative real estate techniquescreative real estate techniques..

IntegrityIntegrity

That word has meaning for us. That word has meaning for us. It was chosen because it is the way we It was chosen because it is the way we

want to treat our customers, our suppliers want to treat our customers, our suppliers and each other.and each other.

How Can We Buy Houses So How Can We Buy Houses So Far Below Market Value?Far Below Market Value?

Our specialty is distressed properties that Our specialty is distressed properties that usually need renovated.usually need renovated.

We know where to look, what to buy, what We know where to look, what to buy, what not to buy and how to renovate.not to buy and how to renovate.

We create value by taking ugly, vacant We create value by taking ugly, vacant homes that are eye sores and putting them homes that are eye sores and putting them back in use after renovation.back in use after renovation.

People Who Buy Our People Who Buy Our HousesHouses

Many may not be able to buy in today’s Many may not be able to buy in today’s hysteria without our special programs and hysteria without our special programs and willingness to go the extra mile.willingness to go the extra mile.

Looking to achieve the American dream of Looking to achieve the American dream of home ownership.home ownership.

How To Find UsHow To Find Us

Office Location: Office Location: 4883 Security Drive Springfield, Ohio 455034883 Security Drive Springfield, Ohio 45503

Mailing Address: Mailing Address: PO Box 740 Urbana, Ohio 43078PO Box 740 Urbana, Ohio 43078

Web Site: Web Site: PrivateLendingMadeEasy.comPrivateLendingMadeEasy.com E-Mail: SupportE-Mail: Support@AlanCowgill.com@AlanCowgill.com

Our OfficesOur Offices

Our WebsiteOur Website

Properties ListedProperties Listed

Critical Success FactorsCritical Success Factors

What makes our company unique.What makes our company unique. Integrity, systems, speed & knowledge.Integrity, systems, speed & knowledge.

What makes our company successful.What makes our company successful. Teamwork, drive, focus, & hard work.Teamwork, drive, focus, & hard work.

A shared vision.

Houses AvailableHouses Available

Houses For SaleHouses For Sale

58 E. McCreight St.58 E. McCreight St. $269,900$269,900 1503 E. McCreight St.1503 E. McCreight St. $169,900$169,900 2402 Woodward Ave.2402 Woodward Ave. $259,900$259,900 789 Woodward Ave.789 Woodward Ave. $259,900$259,900 4612 W. Pleasant St.4612 W. Pleasant St. $339,900$339,900

Our Sales Price Our Sales Price

You Would Ask More When You SellYou Would Ask More When You Sell

Houses Buyers OccupiedHouses Buyers Occupied

602 Rangely Ave. 602 Rangely Ave. $393,200$393,200 3122 N. Limestone St.3122 N. Limestone St. $279,876$279,876 3702 E. Madison Ave.3702 E. Madison Ave. $269,842$269,842 2728 E. Main St2728 E. Main St $164,100$164,100 11015 Maiden Lane11015 Maiden Lane $260,106$260,106

They Want To Buy The Home!

Helpful HintsHelpful Hints

You could buy a home from us and sell it You could buy a home from us and sell it to a qualified family member.to a qualified family member.

You could buy a home from us and sell it You could buy a home from us and sell it to one of our buyers.to one of our buyers.

We might help you sell the home if you We might help you sell the home if you need helpneed help

We might manage the property if you need We might manage the property if you need helphelp

We’ll Do the IRA Paperwork If You WantWe’ll Do the IRA Paperwork If You Want

The Next StepThe Next Step ??

By now you know how this By now you know how this program works and how you program works and how you can purchase Investment can purchase Investment properties starting today.properties starting today.

You have (3) options:You have (3) options:

We hope you decide to join our team

The Next StepThe Next Step ??

1) Option One - Do nothing. This 1) Option One - Do nothing. This isn’t for you. Can you give us isn’t for you. Can you give us names of folks that you feel it would names of folks that you feel it would serve.serve.

2) Option Two - Set up a one-on-one 2) Option Two - Set up a one-on-one meeting before you leave to meeting before you leave to discuss more detailsdiscuss more details

3) Option Three – You like the idea of 3) Option Three – You like the idea of your money working for your money working for YOUYOU and and you’re ready to get started.you’re ready to get started.

Interest FormInterest FormIncluded In Your PackageIncluded In Your Package

Name __________Name __________Address ________Address ________City ___________City ___________Phone__________Phone__________1.1. No – Not at This TimeNo – Not at This Time2.2. Maybe – Want to Talk MoreMaybe – Want to Talk More3.3. YES! I would like to get started as YES! I would like to get started as

soon as possible.soon as possible.

Thanks For Your TimeThanks For Your Time Please Return Interest Form to Please Return Interest Form to

Sign – In TableSign – In Table Questions?Questions? Enjoy the MealEnjoy the Meal