2. Private Lending
Topic
Secured
Hassle-Free
Superior Yields
Copyright 2009 TC Real Estate Buyers

3. Private Lending
Dale Montgomery
President
TC Real Estate Buyers.

4. WELCOME
 We are so glad that you are able to take a
few minutes to take a look at the
opportunity we have put together for
investors like yourself.
 I really want you to understand what we
have to offer.
 I encourage you to take notes and write
your questions down.
 Our contact info will be at the end of this
presentation.
This is not a public offering or offer or invitation to sell
securities or make an investment. Securities are offered or sold
by registration or exempt offering only.

5. Agenda
 What is Private Mortgage
Lending?
 What’s in it for you.?
– How you benefit.
– These are examples, subject to
change.

6. How Does Your Bank Make
Money Today?
 They take in money on CDs,
Saving accounts, ect. (From People Like
Yourself)
 They then loan the money out at a
superior rate of interest to other
people to buy houses. (Me)
I am cutting out the
middleman.

7. Private Lender Program
Overview
 We buy & sell houses.
 To buy houses, we prefer to borrow
money from private individuals.
 We pay you up to 15% to use your
money.
 It is really a very simple plan.

8. Private Lender Program
How it Works
 1) We locate opportunities where we
can create a win win scenario.
 2) We borrow from you to purchase
the property.
 3) We close on the property and you
get a mortgage with other important
documents that secures your financial
position.
Availability of cash allows us to buy at a steep discount.

9. How it works
Documents Purchase House
Private
Lender Securing
Loan
10% to
15%
Rent
Return on Payment Tenant
Your or Buyer Or
Investment Complete Rehab &
Let’s Do It Again! Payoff Flip

10. Private Lender Program
Payments
1) You will receive monthly payments on
the rent to own properties. The
Rehabs, you will have a choice of
monthly payments…
Or
2) The interest accrues until the house is
sold and you get one check for
principal and interest.

11. Early Withdrawal of Your
$100,000 CD
Yield 12-Month Return
2% $2,000
12% $12,000
A bank’s 6-month penalty is only
$1,778 on this CD.
You still would make over $10,000
even with the penalty.
There is NO withdrawal penalty with us

12. Private Lender Program
$100,000 Loan Sample
 $100,000 x 12% = $1000.00 per
month.
 That’s $12,000 per year.
 A bank CD @ 2% pays $2000 per
year.
That’s a difference of $10,000
per year!!!

13. How Can We Buy Houses So
Far Below Market Value?
 Our specialty is distressed properties
that usually need renovation.
 We know where to look, what to buy,
what not to buy and how to renovate.
 We create value by taking ugly,
vacant homes that are eye sores and
putting them back in use after
renovation.

14. Documents Securing Your
Loan
 Promissory Note
 Mortgage- (Lien on Property)
 Hazard Insurance Policy
(You as Loss Payee)
 UCC-1 Filing
 Title Insurance
 Appraisal
Lenders have no expense!

15. Your BIGGEST Concern
Protection of Principal
 #1 Rule: Money borrowed is no
higher than 70% loan-to-value after
renovation.
You receive Additional Security because we don’t
over-leverage the property.

16. There Is Always Plenty of
Equity Above Your Loan.
$100,000 After-
Repaired Value
$70,000 Max Loan
70.00% Loan-to-
Value

17. Take Control Of Your Future
Are You:
 Retired
 Laid Off
Have You:
 Quit Your job
 Or Just want a Better Return

18. Do You Have Money in
IRA’s, 401K Pension Plans
 You can self direct your IRA
(Traditional/Roth) or pension plan.
 Your returns stay tax deferred or
tax free.
It’s simple, easy and we do the
work.

19. You’re In Control
We Do the Paperwork
1. Open account with IRA:
(Called Custodian)
2. Rollover funds to End Trust:
From your current custodian
3. Self direct funds to closing
4. You earn 10% to 15%
5. When house sells (Closes), funds are
sent directly back to your custodian.
6. You decide if you do it again!

20. Whole Life Insurance Policies?
 Borrow your cash value, which is
earning low rates of return
 Loan back out to TC Real Estate
Buyers, to buy houses.
 You earn 10% to 15% Again!

21. People Who Sell us Houses
 Banks
 Private Individuals
 Realtors

22. People Who Rent
Then Buy Our Houses
 Achieve the American Dream of
homeownership
 Many could not buy without our
special programs and willingness to
go the extra mile

23. What Happens to My Loan if
Dale Dies
•Business is structured to sell the
properties and pay you off. Your
loan is still secured by the property.
• The property will be sold and your
principal and interest will be paid as
agreed.

24. Agenda
 Private Lender Program
 Company Overview
– History
– Dream Team

25. Company Story
 Dale Montgomery has been working in real
estate as an agent, buyer, seller, broker and
investor for 21+ years. in the past 10 years he
has flown around the country learning from
some of the best real estate minds in the
industry. He has studied real estate options,
land trusts, entity structuring for maximum
asset protection, creative financing and much
more...
 Our goal is to grow the company by providing
affordable housing to tenants and 1st time
homeowners.
 In time, its scope will encompass all of the Twin
Cities, Commercial and Residential.

26. Company Story Continued
 The company is a private for-
profit real estate investing
company.
 We acquire, re-hab, lease or flip
residential and commercial real
estate.

27. Integrity
 That word has a lot of meaning for
us.
 Because you can’t have long term
success without it. Most people
don’t realize this fact or know the
true meaning of the word.

28. Competitive Advantage
 Our competitive advantage is
ability to find opportunities.
Speed in which we lock them
up.. and knowledge of creative
real estate techniques.

29.  Finds opportunities.
 Creates a Win Win Scenario
 Secures financing
 Sets exit strategy

30. How To Find Us
 Office Location: 7029 20th Ave S. ,
Centerville, MN 55038.
 Mailing Address: 7029 20th Ave S. ,
Centerville, MN 55038.
 Web Site: tcrealestatebuyers.com
 E-Mail: dale@tcrealestatebuyers.com

31. Our Website
Insert Screen Shot of Your Website
Here.

32. Houses Purchased
Here are just a couple of properties we
Put through our system.

33. Critical Success Factors
 What makes our company unique.
Our Mission Statement!
“A consistent Win Win outcome for all
parties to the transaction”.
 What makes our company
successful;
Teamwork, Drive, Focus, & Hard Work.
A shared vision.

34. The Next Step?
 By now you know how this program
works and how you can safely earn
10 to 15% Starting Today!
 You have three options:
We hope you decide to join our team

35. The Next Step?
1) Option One - Do nothing. This isn’t
for you. Can you give us names of
folks that you feel it would serve?
2) Option Two – Call us to set up a
one-on-one meeting to discuss more
details.
3) Option Three - Fill out the attached
form, email it to us and we will
contact you.

36. Our Contact Info
TC Real Estate Buyers
7029 20th Ave S
Centerville, MN 55038
info@tcRealEstateBuyers.com
www.tcRealEstateBuyer.com
Dale Montgomery
651-248-8042