Real Estate Investing - Amazon S3 · 3 Real Estate - with 100k WL Policy Month Capital Balance Premium CV Policy Loan Investment CF 1 Investment CF 2 Investment CF 3 Investment CF

Real Estate Investing

© 2015 Life Benefits, LLC All Rights Reserved.

Current Picture

Savings: $1,500,000 earning 0.5%

Wants to start getting $ into Life Insurance

Needs to keep money on hand for

Real Estate Deals


Highlights

100,000 policy on him (Age 50 Great Health)

Face Value $1,607,756


Investment 1 - Appreciation

Property Value: 635,000

Total Purchase Price: 650,500

Down Payment: 142,500

80% LTV: 508,000, 3.75%,

20 years, Pmt = 3,012

Net Monthly CF: 614

Sale Price in 5 years: 660,900

Net Cash Out in 5 yrs: 179,700

ROR: 11.07%


Investment 2 – Fix Cash Flow

Property Value: 2,500,000

Total Purchase Price: 2,360,000


80% LTV: 2,000,000, 3.5%,

30 years, Pmt = 8,981

Net Monthly CF: 19 (?+500-750)

Sale Price in 5 years: 2,500,000

Net Cash Out in 5 yrs: 446,770

ROR: 6.86%Could be 8.07% to 8.68%


Investment 3 – Cash Flow

Property Value: 3,700,000

Total Purchase Price: 3,900,000


80% LTV: 2,960,000, 4%,

30 years, Pmt = 14,131

Net Monthly CF: 3,869

Est Value in 83 mos: 3,900,000

Net Cash if sold: 887,829

ROR: 6.85%(Increases with time since

property is cash flowing)


Investment 4 – “Fixer-Upper”




80% LTV: 400,000, 4%,

30 years, Pmt = 1,910

Net Monthly CF: -13,243

Sale Price 8 mos: 700,000

Net Cash if sold: 232,664

ROR: 28.05%(decreases with time since

property is not cash flowing)


Investment 5 – Private Lending




80% LTV: 600,000, Waiting for

Bank Approval

Net Monthly CF: 0

Return in 8 mos: 623,585

ROR: 5.80%


$2,017,006

$2,077,595

0

500,000

1,000,000

1,500,000

2,000,000

1 2 3 4 5 6 7 8 9 10

Traditional With Policy

Face Value: 2,518,774


$1,129,177

$2,224,269

$1,189,766

$3,552,912

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30

Traditional With Policy

Face Value: 3,733,279


3 Real Estate - with 100k WL Policy

Month Capital Balance Premium CV Policy Loan Investment CF 1 Investment CF 2 Investment CF 3 Investment CF 4

Captial +

Available CV

0 $1,500,000.00 $1,500,000.00

1 $1,400,625.00 -$100,000.00 $70,640.00 $0.00 $1,400,625.00

2 $1,401,208.59 $70,640.00 $0.00 $1,471,848.59

3 $1,401,792.43 $70,640.00 $0.00 $1,472,432.43

4 $1,259,876.51 $70,640.00 $0.00 $142,500.00 $1,330,516.51

5 $1,261,015.46 $70,640.00 $0.00 $614.00 $1,331,655.46

6 $1,262,154.88 $70,640.00 $0.00 $614.00 $1,332,794.88

7 $1,263,294.78 $70,640.00 $0.00 $614.00 $1,333,934.78

8 $1,264,435.15 $70,640.00 $0.00 $614.00 $1,335,075.15

9 $1,265,576.00 $70,640.00 $0.00 $614.00 $1,336,216.00

10 $1,266,717.32 $70,640.00 $0.00 $614.00 $1,337,357.32

11 $907,859.12 $70,640.00 $0.00 $614.00 $360,000.00 $978,499.12

12 $908,870.40 $70,640.00 $0.00 $614.00 $19.00 $979,510.40

13 $809,882.09 -$100,000.00 $148,895.00 $0.00 $614.00 $19.00 $880,522.09

14 $810,852.54 $148,895.00 $0.00 $614.00 $19.00 $959,747.54

15 $811,823.40 $148,895.00 $0.00 $614.00 $19.00 $960,718.40

16 $812,794.66 $148,895.00 $0.00 $614.00 $19.00 $961,689.66

17 $813,766.32 $148,895.00 $0.00 $614.00 $19.00 $962,661.32

18 $814,738.39 $148,895.00 $0.00 $614.00 $19.00 $963,633.39

19 $815,710.87 $148,895.00 $0.00 $614.00 $19.00 $964,605.87

20 $816,683.75 $148,895.00 $0.00 $614.00 $19.00 $965,578.75

21 $817,657.03 $148,895.00 $0.00 $614.00 $19.00 $966,552.03

22 $818,630.72 $148,895.00 $0.00 $614.00 $19.00 $967,525.72

23 $819,604.82 $148,895.00 $0.00 $614.00 $19.00 $968,499.82

24 $820,579.32 $148,895.00 $0.00 $614.00 $19.00 $969,474.32

25 $721,554.23 -$100,000.00 $258,148.00 $0.00 $614.00 $19.00 $870,449.23

26 $722,487.88 $258,148.00 $0.00 $614.00 $19.00 $980,635.88

27 $723,421.91 $258,148.00 $0.00 $614.00 $19.00 $981,569.91

28 $724,356.34 $258,148.00 $0.00 $614.00 $19.00 $982,504.34

29 $725,291.15 $258,148.00 $0.00 $614.00 $19.00 $983,439.15

30 $726,226.36 $258,148.00 $0.00 $614.00 $19.00 $984,374.36

31 $727,161.95 $258,148.00 $0.00 $614.00 $19.00 $985,309.95

Note: This is a projection of what could happen and does not guarantee any results ©2015-2016 Life Benefits, LLC All Rights Reserved



Captial +

Available CV

32 $728,097.94 $258,148.00 $0.00 $614.00 $19.00 $986,245.94

33 $729,034.31 $258,148.00 $0.00 $614.00 $19.00 $987,182.31

34 $729,971.08 $258,148.00 $0.00 $614.00 $19.00 $988,119.08

35 $730,908.23 $258,148.00 $0.00 $614.00 $19.00 $989,056.23

36 $731,845.78 $258,148.00 $0.00 $614.00 $19.00 $989,993.78

37 $632,783.71 -$100,000.00 $372,535.00 $0.00 $614.00 $19.00 $890,931.71

38 $0.00 $372,535.00 $306,319.63 $614.00 $19.00 $940,000.00 $66,215.37

39 $0.00 $372,535.00 $303,221.59 $614.00 $19.00 $3,869.00 $69,313.41

40 $0.00 $372,535.00 $300,109.36 $614.00 $19.00 $3,869.00 $72,425.64

41 $0.00 $372,535.00 $296,982.86 $614.00 $19.00 $3,869.00 $75,552.14

42 $0.00 $372,535.00 $293,842.03 $614.00 $19.00 $3,869.00 $78,692.97

43 $0.00 $372,535.00 $290,686.81 $614.00 $19.00 $3,869.00 $81,848.19

44 $0.00 $372,535.00 $287,517.12 $614.00 $19.00 $3,869.00 $85,017.88

45 $0.00 $372,535.00 $284,332.91 $614.00 $19.00 $3,869.00 $88,202.09

46 $0.00 $372,535.00 $281,134.10 $614.00 $19.00 $3,869.00 $91,400.90

47 $0.00 $372,535.00 $277,920.63 $614.00 $19.00 $3,869.00 $94,614.37

48 $0.00 $372,535.00 $274,692.44 $614.00 $19.00 $3,869.00 $97,842.56

49 $0.00 -$27,326.46 $421,522.00 $298,775.90 $614.00 $19.00 $3,869.00 $73,759.10

50 $0.00 $421,522.00 $295,643.29 $614.00 $19.00 $3,869.00 $125,878.71

51 $0.00 $421,522.00 $292,496.32 $614.00 $19.00 $3,869.00 $129,025.68

52 $0.00 $421,522.00 $289,334.93 $614.00 $19.00 $3,869.00 $132,187.07

53 $0.00 $421,522.00 $286,159.05 $614.00 $19.00 $3,869.00 $135,362.95

54 $0.00 $421,522.00 $282,968.61 $614.00 $19.00 $3,869.00 $138,553.39

55 $0.00 $421,522.00 $279,763.55 $614.00 $19.00 $3,869.00 $141,758.45

56 $0.00 $421,522.00 $276,543.80 $614.00 $19.00 $3,869.00 $144,978.20

57 $0.00 $421,522.00 $273,309.30 $614.00 $19.00 $3,869.00 $148,212.70

58 $0.00 $421,522.00 $270,059.96 $614.00 $19.00 $3,869.00 $151,462.04

59 $0.00 $421,522.00 $266,795.74 $614.00 $19.00 $3,869.00 $154,726.26

60 $0.00 $421,522.00 $363,516.55 $614.00 $19.00 $3,869.00 $100,000.00 $58,005.45

61 $0.00 -$27,326.46 $471,838.00 $401,250.13 $614.00 $19.00 $3,869.00 $13,243.00 $20,271.87

62 $0.00 $471,838.00 $411,830.19 $614.00 $19.00 $3,869.00 $13,243.00 $60,007.81

63 $0.00 $471,838.00 $422,458.75 $614.00 $19.00 $3,869.00 $13,243.00 $49,379.25




Captial +

Available CV

64 $0.00 $471,838.00 $253,436.02 $180,314.00 $19.00 $3,869.00 $13,243.00 $218,401.98

65 $0.00 $471,838.00 $263,952.60 $19.00 $3,869.00 $13,243.00 $207,885.40

66 $0.00 $471,838.00 $274,517.38 $19.00 $3,869.00 $13,243.00 $197,320.62

67 $0.00 $471,838.00 $285,130.59 $19.00 $3,869.00 $13,243.00 $186,707.41

68 $0.00 $471,838.00 $63,128.43 $19.00 $3,869.00 $219,421.00 $408,709.57

69 $0.00 $471,838.00 $59,529.77 $19.00 $3,869.00 $412,308.23

70 $0.00 $471,838.00 $55,914.62 $19.00 $3,869.00 $415,923.38

71 $394,487.11 $471,838.00 $0.00 $446,789.00 $3,869.00 $866,325.11

72 $0.00 $471,838.00 $201,479.52 $3,869.00 $600,000.00 $270,358.48

73 $0.00 -$27,326.46 $523,665.00 $225,860.43 $3,869.00 $0.00 $245,977.57

74 $0.00 $523,665.00 $223,026.62 $3,869.00 $0.00 $300,638.38

75 $0.00 $523,665.00 $220,179.83 $3,869.00 $0.00 $303,485.17

76 $0.00 $523,665.00 $217,319.99 $3,869.00 $0.00 $306,345.01

77 $0.00 $523,665.00 $214,447.04 $3,869.00 $0.00 $309,217.96

78 $412,023.91 $523,665.00 $0.00 $3,869.00 $623,584.83 $935,688.91

79 $416,064.59 $523,665.00 $0.00 $3,869.00 $939,729.59

80 $420,106.95 $523,665.00 $0.00 $3,869.00 $943,771.95

81 $424,150.99 $523,665.00 $0.00 $3,869.00 $947,815.99

82 $428,196.72 $523,665.00 $0.00 $3,869.00 $951,861.72

83 $432,244.14 $523,665.00 $0.00 $3,869.00 $955,909.14

84 $436,293.24 $523,665.00 $0.00 $3,869.00 $959,958.24

85 $413,017.57 -$27,326.46 $576,990.00 $0.00 $3,869.00 $936,682.57

86 $417,058.66 $576,990.00 $0.00 $3,869.00 $994,048.66

87 $421,101.43 $576,990.00 $0.00 $3,869.00 $998,091.43

88 $425,145.89 $576,990.00 $0.00 $3,869.00 $1,002,135.89

89 $429,192.04 $576,990.00 $0.00 $3,869.00 $1,006,182.04

90 $433,239.87 $576,990.00 $0.00 $3,869.00 $1,010,229.87

91 $437,289.38 $576,990.00 $0.00 $3,869.00 $1,014,279.38

92 $441,340.59 $576,990.00 $0.00 $3,869.00 $1,018,330.59

93 $445,393.48 $576,990.00 $0.00 $3,869.00 $1,022,383.48

94 $449,448.06 $576,990.00 $0.00 $3,869.00 $1,026,438.06

95 $453,504.33 $576,990.00 $0.00 $3,869.00 $1,030,494.33




Captial +

Available CV

96 $457,562.29 $576,990.00 $0.00 $3,869.00 $1,034,552.29

97 $434,295.48 -$27,326.46 $632,212.00 $0.00 $3,869.00 $1,011,285.48

98 $438,345.44 $632,212.00 $0.00 $3,869.00 $1,070,557.44

99 $442,397.08 $632,212.00 $0.00 $3,869.00 $1,074,609.08

100 $446,450.41 $632,212.00 $0.00 $3,869.00 $1,078,662.41

101 $450,505.43 $632,212.00 $0.00 $3,869.00 $1,082,717.43

102 $454,562.14 $632,212.00 $0.00 $3,869.00 $1,086,774.14

103 $458,620.54 $632,212.00 $0.00 $3,869.00 $1,090,832.54

104 $462,680.64 $632,212.00 $0.00 $3,869.00 $1,094,892.64

105 $466,742.42 $632,212.00 $0.00 $3,869.00 $1,098,954.42

106 $470,805.90 $632,212.00 $0.00 $3,869.00 $1,103,017.90

107 $474,871.07 $632,212.00 $0.00 $3,869.00 $1,107,083.07

108 $478,937.93 $632,212.00 $0.00 $3,869.00 $1,111,149.93

109 $455,680.03 -$27,326.46 $689,345.00 $0.00 $3,869.00 $1,087,892.03

110 $459,738.89 $689,345.00 $0.00 $3,869.00 $1,149,083.89

111 $463,799.45 $689,345.00 $0.00 $3,869.00 $1,153,144.45

112 $467,861.70 $689,345.00 $0.00 $3,869.00 $1,157,206.70

113 $471,925.64 $689,345.00 $0.00 $3,869.00 $1,161,270.64

114 $475,991.28 $689,345.00 $0.00 $3,869.00 $1,165,336.28

115 $480,058.61 $689,345.00 $0.00 $3,869.00 $1,169,403.61

116 $484,127.63 $689,345.00 $0.00 $3,869.00 $1,173,472.63

117 $488,198.35 $689,345.00 $0.00 $3,869.00 $1,177,543.35

118 $492,270.77 $689,345.00 $0.00 $3,869.00 $1,181,615.77

119 $496,344.88 $689,345.00 $0.00 $3,869.00 $1,185,689.88

120 $1,388,249.69 $689,345.00 $0.00 $891,698.00 $2,077,594.69


3 Real Estate - Traditional

Month Capital Change Capital Balance Investment CF 1 Investment CF 2 Investment CF 3 Investment CF 4

0 $1,500,000.00 $1,500,000.00

1 $1,500,625.00

2 $1,501,250.26

3 $1,501,875.78

4 $1,360,001.56 $142,500.00

5 $1,361,182.23 $614.00

6 $1,362,363.39 $614.00

7 $1,363,545.04 $614.00

8 $1,364,727.18 $614.00

9 $1,365,909.82 $614.00

10 $1,367,092.95 $614.00

11 $1,008,276.57 $614.00 $360,000.00

12 $1,009,329.69 $614.00 $19.00

13 $1,010,383.24 $614.00 $19.00

14 $1,011,437.23 $614.00 $19.00

15 $1,012,491.67 $614.00 $19.00

16 $1,013,546.54 $614.00 $19.00

17 $1,014,601.85 $614.00 $19.00

18 $1,015,657.60 $614.00 $19.00

19 $1,016,713.79 $614.00 $19.00

20 $1,017,770.42 $614.00 $19.00

21 $1,018,827.49 $614.00 $19.00

22 $1,019,885.00 $614.00 $19.00

23 $1,020,942.96 $614.00 $19.00

24 $1,022,001.35 $614.00 $19.00

25 $1,023,060.18 $614.00 $19.00

26 $1,024,119.46 $614.00 $19.00

27 $1,025,179.17 $614.00 $19.00

28 $1,026,239.33 $614.00 $19.00

29 $1,027,299.93 $614.00 $19.00

30 $1,028,360.97 $614.00 $19.00

31 $1,029,422.46 $614.00 $19.00

32 $1,030,484.38 $614.00 $19.00

33 $1,031,546.75 $614.00 $19.00

34 $1,032,609.56 $614.00 $19.00

35 $1,033,672.82 $614.00 $19.00

36 $1,034,736.51 $614.00 $19.00

37 $1,035,800.65 $614.00 $19.00

38 $96,865.24 $614.00 $19.00 $940,000.00

39 $101,407.60 $614.00 $19.00 $3,869.00

40 $105,951.85 $614.00 $19.00 $3,869.00

41 $110,498.00 $614.00 $19.00 $3,869.00

42 $115,046.04 $614.00 $19.00 $3,869.00

43 $119,595.97 $614.00 $19.00 $3,869.00

44 $124,147.81 $614.00 $19.00 $3,869.00

45 $128,701.53 $614.00 $19.00 $3,869.00

Note: This is a projection of what could happen and does not guarantee any results.

©2015-2016 Life Benefits, LLC All Rights Reserved



46 $133,257.16 $614.00 $19.00 $3,869.00

47 $137,814.68 $614.00 $19.00 $3,869.00

48 $142,374.11 $614.00 $19.00 $3,869.00

49 $146,935.43 $614.00 $19.00 $3,869.00

50 $151,498.65 $614.00 $19.00 $3,869.00

51 $156,063.78 $614.00 $19.00 $3,869.00

52 $160,630.80 $614.00 $19.00 $3,869.00

53 $165,199.73 $614.00 $19.00 $3,869.00

54 $169,770.57 $614.00 $19.00 $3,869.00

55 $174,343.30 $614.00 $19.00 $3,869.00

56 $178,917.95 $614.00 $19.00 $3,869.00

57 $183,494.50 $614.00 $19.00 $3,869.00

58 $188,072.95 $614.00 $19.00 $3,869.00

59 $192,653.32 $614.00 $19.00 $3,869.00

60 $97,235.59 $614.00 $19.00 $3,869.00 $100,000.00

61 $88,535.10 $614.00 $19.00 $3,869.00 $13,243.00

62 $79,830.99 $614.00 $19.00 $3,869.00 $13,243.00

63 $71,123.26 $614.00 $19.00 $3,869.00 $13,243.00

64 $242,111.89 $180,314.00 $19.00 $3,869.00 $13,243.00

65 $232,857.77 $19.00 $3,869.00 $13,243.00

66 $223,599.79 $19.00 $3,869.00 $13,243.00

67 $214,337.96 $19.00 $3,869.00 $13,243.00

68 $437,736.27 $19.00 $3,869.00 $219,421.00

69 $441,806.66 $19.00 $3,869.00

70 $445,878.74 $19.00 $3,869.00

71 $896,722.53 $446,789.00 $3,869.00

72 $300,965.16 $3,869.00 $600,000.00

73 $304,959.56 $3,869.00 $0.00

74 $308,955.63 $3,869.00 $0.00

75 $312,953.36 $3,869.00 $0.00

76 $316,952.76 $3,869.00 $0.00

77 $320,953.82 $3,869.00 $0.00

78 $948,541.38 $3,869.00 $623,584.83

79 $952,805.61 $3,869.00

80 $957,071.61 $3,869.00

81 $961,339.39 $3,869.00

82 $965,608.95 $3,869.00

83 $969,880.29 $3,869.00

84 $974,153.40 $3,869.00

85 $978,428.30 $3,869.00

86 $982,704.98 $3,869.00

87 $986,983.44 $3,869.00

88 $991,263.68 $3,869.00

89 $995,545.71 $3,869.00

90 $999,829.52 $3,869.00

91 $1,004,115.12 $3,869.00





92 $1,008,402.50 $3,869.00

93 $1,012,691.66 $3,869.00

94 $1,016,982.62 $3,869.00

95 $1,021,275.36 $3,869.00

96 $1,025,569.89 $3,869.00

97 $1,029,866.21 $3,869.00

98 $1,034,164.33 $3,869.00

99 $1,038,464.23 $3,869.00

100 $1,042,765.92 $3,869.00

101 $1,047,069.41 $3,869.00

102 $1,051,374.69 $3,869.00

103 $1,055,681.76 $3,869.00

104 $1,059,990.63 $3,869.00

105 $1,064,301.29 $3,869.00

106 $1,068,613.75 $3,869.00

107 $1,072,928.00 $3,869.00

108 $1,077,244.06 $3,869.00

109 $1,081,561.91 $3,869.00

110 $1,085,881.56 $3,869.00

111 $1,090,203.01 $3,869.00

112 $1,094,526.26 $3,869.00

113 $1,098,851.31 $3,869.00

114 $1,103,178.17 $3,869.00

115 $1,107,506.83 $3,869.00

116 $1,111,837.29 $3,869.00

117 $1,116,169.55 $3,869.00

118 $1,120,503.62 $3,869.00

119 $1,124,839.50 $3,869.00

120 $2,017,006.18 $891,698.00



Documents

Real Estate Investing - Amazon S3 · 3 Real Estate - with 100k WL Policy Month Capital Balance Premium CV Policy Loan Investment CF 1 Investment CF 2 Investment CF 3 Investment CF