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Before We Get Started…About This Guide

This guide has been written by Kahuna Investments, LLC with the intent of providing useful information, tips, and strategies to individuals who are considering entering into private lending transactions secured by real estate. This guide assumes a basic level of understanding of the terms, processes and documents involved with private lending transactions. For your convenience, we have included a glossary of key investment terms towards the back of this guide.

According to U.S. Census Data, there are over half a million outstanding private mortgages involving seller financing or private lending in the nation. One reason for its popularity is that it provides compelling benefits for both the lender and borrower.

DisclaimerPlease carefully consider Kahuna Investments, LLC’s investment objectives, risks, and associated costs or expenses before investing. Real Estate investments are not guaranteed or insured and past performance is not a guarantee of future performance. Please ask questions and ask for more information before considering any investment.

We are not a law or tax firm, and we do not provide legal or tax advice. Please consult professionals for these types of services.

Significant time and effort has been put into making this guide as accurate as possible. However, there may be mistakes both typographical and in content. The materials in this guide should therefore be used for general guidance and informational purposes only.

For more information read on or call us to set up a consultation at:

Kahuna Investments1973 E. Lafayette AveGilbert, AZ 85298480-235-2336www.KahunaInvestments.com

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Table of Contents

Title Page

Overview............................................................................................................4

Why We Utilize Private Funds............................................................................5

Private Mortgage Loans.....................................................................................6

Key Benefits of Private Lending.........................................................................7

Sources of Capital for Your Investment..............................................................8

The Private Lending Process.............................................................................9

The Post-Closing Process................................................................................10

Real people … True Life Stories......................................................................11

Frequently Asked Questions............................................................................12

Glossary of Terms............................................................................................17

Program Summary...........................................................................................18

Sample Returns................................................................................................19

How to Get Started...........................................................................................21

Legal Disclaimer...............................................................................................22

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Overview

About Kahuna Investments, LLC

Corey Peterson has been a real estate entrepreneur since early 2005. Hundreds of hours of real estate education and personal development have enabled him to slowly and quietly build his real estate business.

My company’s 3-year vision includes acquiring 2-3 houses every month for the next 12 months, then 3-4 houses every month for the following 24 months. All this will be accomplished by using creative financing techniques and private investor funds that will be discussed in this guide.

Extensive marketing programs enable my company to buy single-family homes at discounts of 25%-50% below market value. Our current area of focus is homes in the East Valley market area. Many of the homes that we buy are sold to other real estate investors at a discount. We also renovate and resell for cash to retail buyers. Our company often pays cash to sellers to obtain bargain prices. To finance the acquisitions and remodeling of the properties, we rely on a network of private lenders to fund the acquisitions and remodeling.

We prefer to sell houses to lease option buyers who are interested in our owner financing program. Our company offers homeownership programs to credit challenged buyers who cannot qualify for a bank loan on their own. This service allows families to become homeowners today when they could not have otherwise. This provides instant profitability, and equity cushion in the case of further market downturn, and automatic wealth building.

Reputation, credibility, honesty and integrity are just a few of the core principles around which my business is based. I look forward to having the opportunity to sit down and talk to you about our Private Lending Program.

Corey Peterson & Family

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Why We Utilize Private Funds

What Exactly Is Private Funding?

Private lending is a transaction where private individuals and small companies loan funds to finance real estate investments. Investors receive comparatively high rates of return and have their investment secured by real property.

How I Pay Such High Rates:

We make it possible to acquire good deals on houses because we use funds from private lenders that are not available from banks. If a real estate investor can get skilled at locating great deals on houses, most banks will want to

get financing from banks. Banks don’t even trust other banks. We prefer to take the easier route. Private investors have available cash and we are prepared to provide an excellent return for the use of those funds.

loan on the purchase price and not the value ofthe house, thus penalizing the investor for being an astute and shrewd negotiator.

The Law of Timeliness ….

Having the money available will make or break “It’s not the cost of money thatthe deal. So paying a higher interest rate is irrelevant compared to the large profit potential.

counts. It’s the availability.”

If money is not available quickly, the loss of thousands of dollars of profit is the result.

Can You Trust Banks or the Stock Market??? Private Lending is a Win-Win

Proposition.The mortgage meltdown is upon us. Banks are folding and the stock market is crashing. Investors are losing more of their investment capital every day and the capital they have left is typically earning a measly 2%-5% or less. First and second mortgages secured by real estate are a very attractive investment opportunity and many investors are making the move to real estate. 10%-12% interest makes a lot of sense.

You win by getting a high interest rate, secured by real estate.

Sellers win by getting a fast, cash sale.

Buyers win by getting first rate homes.

The Banks Have Tightened Their Lending Policies.

Communities win as we improve neighborhoods and set new standards wherever we go.

It’s becoming almost impossible for anyone to

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Private Mortgage Loans

What Kind of Loans are Private Mortgage Loans?

What kind of loan is a private mortgage loan? It’s a loan that you make to a real estate investor and in turn your loan is secured by the actual property that the real estate investor purchases. That gives you security.

We deal with very low loan-to-value (LTV) loans. By that we mean no higher than 85% of the value of the property securing the loan. Our typical LTV is 50% to 85%. That gives you additional security. This means if a house appraises for $100,000, we will buy it for $70,000. That’s a 70% loan-to-value.

It’s obvious why this is a much safer approach than most lending institutions take. In the past, banks made loans at a 90%, 95% or even 100% loan-to-value ratio. Banks just don’t have any cushion and look what’s happening now. Today it’s almost impossible to get a loan from a bank.

You as a lender won’t lend more than 50% to 85% LTV regardless. You should never make a loan without a 15%-50% safety net. We won’t violate that rule so we both end up winners.

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Key Benefits of Private Lending

Higher Returns

You’ll earn 3 to 4 times more than you’d get in a bank CD or average mutual fund. We pay 10%-12% interest on your money. Often we borrow small chunks of cash to buy investment properties so there is less risk involved.

Rather than borrowing $200,000 to buy a $200,000 house, we’ll borrow $30,000 to buy a $200,000 house and take over the seller’s payments or work out some creative terms on their equity. Sometimes, if the seller wants to be cashed out, we will purchase the house for a lump sum of cash up front. Of course we will make this type of cash purchase at a much greater discounted price. We pay 10% on the first mortgage and 12% on a second or third mortgage.

Fixed Rates

You will never have to lay awake at night wondering how much your investment made this week, month, or year. We’ll give you an interest schedule showing exactly how much you’ve earned at any given time during the investment term. Even if the Prime Rate changes, stocks go up, oil goes down, or pork bellies go out of style your rate of return does not change. “Set it and forget it” – Good for chicken, better for investments.

Secured by Real Estate

When you invest in the stock market, you’re really buying a piece of paper that represents your interest in a publicly traded company. When you become a private lender, your investment is secured by a standing, physical, local home that you can drive by, see, and touch. Your investment is insured against damages with a hazard insurance policy. In the unlikely event of my company turning out to be the next Enron, your investment is still protected by a physical asset – not just a piece of paper.

You Are in Control

With private lending, you choose whether or not the deal is right for you – not some commissioned salesperson. We specialize in “bread-and-butter” single-family homes. This means houses right around the median home price for the area that has the highest demand. We avoid houses that are too expensive, too small, have obsolete layouts we can’t fix, or otherwise would be difficult to sell. If the property isn’t one you’d like to invest in, say “thanks, but no thanks” and wait for the next one. Every deal is different – location, amount needed to invest, the term, the interest rate, and several other factors will vary with each opportunity. We’ll find one that works for you. You call the shots. You are in the driver’s seat.

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Sources of Capital for Your Investment

Investing the Equity in Your Home

Your home is an untapped resource for your investment portfolio. Many homeowners do not realize the potential that their idle equity can bring to them. You can obtain a Home Equity Line of Credit (HELOC) for, on average, around 4% then lend that money out via our program for 10%-12%. That’s a yield spread of 6-8 percentage points!

Let’s look at some examples:1. $30,000 equity in your home pays you an extra

$1,800 per year2. $100,000 equity in your home pays you an extra

$6,000 per year3. $150,000 equity in your home pay you an extra

$9,000 per year

Investing With Your IRAShouldn’t your IRA earn better rates than the 3-4% it’s earning right now? That’s not even keeping up with inflation! Will you have enough to retire on when the time comes? Why let someone else gamble with stocks and mutual funds using your money?

We’ll help you convert your IRA to a Self-Directed IRA for real estate investing with Equity Trust Corp. Visit www.TrustEtc.com for more information.

Investing Savings, CDs or Extra Income

Would you like your money to be earning interest at much healthier rates than 3.15% * returns offered by Money Markets and CDs?

Let’s look at some examples of what you could be earning with us at 10%:

1. $30,000 investment pays you $3,000 per year2. $100,000 investment pays you $10,000 per year3. $150,000 investment pays you $15,000 per year

(* Source: www.BankRate.com 08/15/08)

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The Private Lending Process

1 Acquisition: We negotiate with a seller to purchase their home at a discount and begin our due diligence on the property.

2 Presentation: We send a New Opportunity Announcement to all our Private Lenders explaining the specifics of the deal including interest rate, term and our intentions for the property.

3Commitment: The Real Estate Purchase Contract (REPC) is sent to my title company. Then the title search and property inspection report are completed and the necessary documents are prepared. If you decide the deal is right for you, you start making the necessary arrangements to have the funds delivered to the title company before the date of closing.

4 Funding: Your funds are wired or delivered directly to the title company and you are given a receipt for your deposit. You start earning interest that day.

5Closing: The title company ensures that all documents needed to close the deal have been submitted by the seller, buyer, and private investor. The transaction is recorded at the county recorder’s office and funds are disbursed. You will receive copies of the promissory note, deed of trust, title insurance policy, and hazard insurance policy from the title company.

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The Post-Closing Process

Key Documents Are Created For You at Closing:

Promissory Note Lender’s Title Insurance Policy

Mortgage Builder’s Risk Insurance Policy

All documents, other than builder’s risk insurance policy are professionally drafted by a real estate attorney. Mortgages are recorded at the county. You will be named as “additionally insured” on the builder’s risk insurance policy.

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The Wealth Building

Process

Closing

Payments or

Let It Accrue

Periodic Progress Updates

Final Loan Payoff

Discuss New Investments, Opportunities

& Projects

Reinvest

Real People… True Life Stories

(These are real life testimonials from people we have worked with. Don’t take our word for it, listen to the people we have helped that are just like you.)

“I have provided investor financing to Kahuna Investments and am now sitting back and reaping the financial rewards while still be able to sleep peacefully at night.  I have had an Equity Line for several years and never even thought of the investment potential I was sitting on until I talked to Corey.  I am now earning more than twice what I am paying out in interest and have the comfort of knowing that it is a low risk investment because it’s secured by real estate with a low loan-to-value ratio.  And it’s not even my money that I’m using.  How can it get any sweeter than that?  Corey is honest, does exactly what he says he will do and has the highest level of integrity.  I plan on keeping my funding available to Kahuna Investments and making a lot more money in the future.”

Carl AmatoChandler, Arizona

“In 2007 I first talked to Corey about investing in the real estate properties that they owned. Corey didn’t have a need for investment capital at the time but said he would keep me in mind for the future. Then in early 2008 we talked again when Corey had a property that required private money. I was happy to provide the funding and within 3 months I was fully paid off with a nice big profit. Immediately after I rolled my funds into another property and expect to be paid off on that one very soon. It has been a real pleasure earning interest on real estate backed investments. It’s much better than anything I could’ve earned at the bank or in the stock market. I make a great return on my investment and I can sleep at night because I don’t have to worry about it.”

William ScaraGilbert, Arizona

“We had some idle cash and it was earning very low interest at the bank. We wanted to get a better return on our money but were pretty leery of the stock market. A friend suggested that we invest the money with Kahuna Investments and he would pay us a much higher interest rate. It sounded like a no brainer to us, so we made the investment. It’s really nice to know that we are making a lot more money on our investment than probably 90% of the investors in America and we’re certainly doing a lot better than anyone who has kept their money in the stock market. That would be really scary right now.”

Steve & Elisa GrossGilbert, Arizona

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Frequently Asked Questions

Why does it make sense to have passive investment in real estate?

Most people go through life letting others make decision for them and they are not in control of how their money is invested or what it earns. That means they’ll never really know if what they’re investing in will give them enough of a return to take care of their future, their family, their kid’s college, or their retirement. Consequently, they’re playing guesswork games with their money and hoping they’ll get in or out at the right time. As a result, it’s virtually impossible to always make the “right decisions.” By becoming a private lender who invests passively in real estate, you can get 10%-12% fixed returns safely secured by real estate. Since your returns are fixed, that means they never change. They’ll also be much higher than CDs, money markets, commodities, and most stock and mutual funds.

What is private lending?

Once we started making money from buying, selling and holding single-family houses, we realized we had a lot of friends and family members that were tired of the ups and downs of the stock market. We discovered a method of working with them as a silent partner on our real estate investments by putting their investment capital to use. They simply loaned their money to me at much higher returns and their money was secured by the houses we were buying. We needed investor capital to buy houses and do renovations so we could sell the properties and make a profit. We needed to act quickly to get good deals that came along every week and we didn’t want to deal with banks because they would limit the amount of deals we could do.

Since my friends had investments that were getting low, inconsistent, risky and unsecured returns, it gave them an opportunity to make more money without losing sleep at night watching the stock market. When investing with us, they had a completely “hands off” way of earning 10%-12% returns, safely secured by real estate. Since their returns were fixed and never changed, it allowed them to plan and make better decisions with their future. We make excellent profits and that allows us to offer a high rate of return to our private investors. Our private lenders can make over 300% more than they can get from their money sitting in a savings account or CD.

Do you pay referral fees?

Of course, if you introduce us to another investor who invests at least $20,000 you will receive a $1,000 referral fee. Be sure to talk to all of your friends, family, relatives, neighbor and business associates to let them know about this excellent investment strategy. You’ll be surprised how happy they will be that you shared this opportunity with them.

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Frequently Asked Questions

Why are we willing to pay such high returns?The availability of the short term capital is more important than the cost. We need to move quickly to purchase from sellers who are willing to happily and eagerly give me the equity in their homes for deep discounts in exchange for peace of mind or debt relief. We don’t have time to go through banks because the process just takes too long. Also, since I’m buying properties with large amounts of equity in them, it allows me to give a portion of our profits back to you through repaying the original loan amount plus a generous interest rate. By the way, if you use a credit card, pull it out and look at the interest rate you pay. Every time you use it, you’re putting the availability of the funds ahead of the short term cost just like we do when we buy and sell homes.

Are high interest returns on loans like this new to real estate?

No. This is a multi-billion dollar industry that has been around for decades. There are companies out there like the Money Store, Household Finance, Beneficial, Ford Credit and numerous others. Their niche is to lend money to homeowners who typically use the money for home improvements or even loan consolidations. The loans are secured by a second mortgage on the property. My niche is to borrow the money the same way. However, we use it only for the funding necessary to buy, renovate and carry a property until we sell it and it is secured by a mortgage against the property.

How is the private lender protected when they lend money?

First off your money will never be pooled. You will have one mortgage secured against one property. That means there will always be a very large hedge factor between what you loan and the available profit or equity in the house. We are serious investors with hundreds of hours of training on buying and selling houses, marketing, and business management. In addition, there are also four key items that secure your investment each time you lend:

A promissory note will state the exact fixed return that you will receive. Whatever the note says is what you will receive.

A mortgage (security deed, deed to secure debt, or trust deed) will be created by the title company to put the property as collateral for your loan. That means you will have a lien on the property and we can’t sell it without paying you off.

A lender’s title insurance policy will protect you against any title issues or claims that may arise.

A hazard insurance policy will be in place for your protection in case of an unexpected catastrophe or problem.

Also, since there is such a large hedge factor in the amount of funds that you lend versus the equity in the property, even if something happened to me, you can always sell the property and make more than you’d make off the interest.

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Frequently Asked Questions

Who handles all of the paperwork?

The title company will handle all of the paperwork. You will send your funds directly to their office and make everything payable to them. The closing agent will not disperse any funds until all of the documents that secure your investment are in place and signed off on. They will create the promissory note that states the terms of your loan, the mortgage instrument that gives you collateral, and the title insurance policy. We will also send you a copy of the Hazard Insurance Policy. It is customary that we, as the Borrower, pay for all of the closing costs to secure your investment. It is usually just deducted from what you lend me. You will get the original note signed off by us, your Borrower, that day as well as a copy of your title insurance policy. You will receive a copy of the mortgage that day and then once it is filed in the county and recorded in the Deed Books, you will get a stamped copy in the mail a few weeks later. By the way, the only person that needs to sign anything is us, as the Borrower, so you do not even have to go to the closing unless you want to. Keep in mind that you are always welcome to attend the closing if you want.

Do I have to collect payments on these loans?

No you don’t. When you tell us that you’re ready to make more money we’ll ask you the following: Are you looking for the highest return possible, or are you looking to get cash flow from this investment? If you are looking for the highest return possible, then you can agree to just let the interest accrue every month. That means there will be no interest payment until the house is sold. Then you will receive the original loan amount back plus all of the interest. If you are looking for cash flow, we can set it up where a loan servicing company collects and tracks the payment for you. It is customary that we pay for the loan servicing company and not you. By the way, if you use the self-directed IRA through Equity Trust, they can collect payment for you for a small monthly fee that I as your Borrower will pay.

Do these loans pay down or are they interest only?

Typically first mortgage loans are interest only. That means none of the monthly interest goes towards your principal loan amount so you make more money. If you want to, you can do an amortizing loan where some of each month’s payment goes towards the principal balance and the rest goes towards interest. You will make more money if you choose interest only payments. We usually do not make monthly payments on second mortgages.

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Frequently Asked Questions

How long are the typical loan, and how much do I need to invest?

The length of the loan and the amount you invest are up to you. You get to create the rules since you are the Lender. Typical loans range from 36-60 months and all of the loans are due upon the sale of the house when a new buyer gets a new loan. You can invest as little as $20,000. Most loans range from $20,000 to $100,000 depending on the property. By the way, if you ever lend and then need to pull your capital back out, there are no fees for early withdrawal. Just tell me that you need to get out and give me 60 days to make it happen. We will either cash you out ourselves or we may replace your private loan with another one. When you get your money and interest back, you will have to sign a Satisfaction and/or Quit Claim Deed to clear your lien against the title.

Is private lending really a safe investment?

In my opinion it is much safer than the stock market because you have no ups and downs to worry about. You might make money in the stock market one month or one year, and then get wiped out the next. When it’s all said and done, most people get returns that barely keep up with inflation. By investing in real estate, you won’t be gambling on companies that you have no control over or know little about who is running them. Your investment loans are safely secured by real estate, you will get fixed returns that never change, there are no fees or commissions, no early withdrawal penalties, and there will be large spreads or hedge factors of equity versus your investment. You’ll just need to use common sense and take a look at what the property is worth, what’s owned and what you’re lending. Remember, you do not have to put all of your investment funds into real estate; but it’s a great place to get consistent, predictable and reliable returns.

What interest rate do you pay?

We pay our private lenders 10% interest on a first mortgage. We prefer paying accrued interest when the property is sold. However, we can pay monthly interest-only payments supported by the income from the property. We pay our private lenders 12% on second and third mortgages. We prefer to have interest accrue with no monthly payments. We prefer making no payments on a first or second mortgage when rehabbing a property that we expect to sell and cash out within six months. Interest begins on the day the cleared funds are received by our closing agent.

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Frequently Asked Questions

Can I use my IRA or 401k to lend from?

Absolutely, in fact that is what some of my investors do. You must be in control over where your investments go from your IRA or 401k, and you can take any IRA or 401k that you and roll it over into a self directed IRA. There is no penalty for doing this because you are not taking a distribution, you are simply changing the Administrator to one that allows you to self-direct where the funds go. Doing it this way, you can make all of your gains tax-deferred without counting on someone else to get you 10%-12% fixed returns day in and day out. The company we use and most people use is Equity Trust Company. You can get a FREE Information Packet via their website at www.trustetc.com to learn how easy it is to do. You simple fill out a form and send them your last statement. They do the rest and transfer your funds to your new account. The entire process only takes approximately two weeks.

What is a promissory note?

A promissory note is a legally binding promise to repay a specified amount over a specified period of time. It is a legal document which includes:

A Description of the Debt: The key section of a promissory note contains a detailed description of the debt, clearly identifying the borrower, lender, the loan amount, and the interest rate to be paid. The promissory note obliges the borrower to the debt, and the obligation becomes the borrower’s personal liability.

A Description of the Repayment Plan: This section spells out the schedule of due dates and payment amounts to which the borrower is agreeing. Most payments are the same amount due on a pre-specified date every month (known as an amortized schedule). Or, the payments may accrue interest month over month and be paid at the end of the loan. Note: Promissory notes also contain numerous other clauses which are less important but are still required to establish the various rights and obligations of each party.

How do I get started?

Just contact me and tell me when you’re ready to start making more money. I’ll take you to lunch establish a relationship and then discuss the amount you have available to lend, the interest rate, and the length of the loan. My mission is to go out and find a property that makes sense and matches your needs. When I do, you’ll arrange for the fund to be sent to the attorney or title company. A closing will be set up at the title company office and you can sit back and watch your investment grow. You’ll get fixed returns that never change and that are safely secured by real estate.

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Glossary of Terms

Loan-to-Value (LTV):

A lending risk ratio calculated by dividing the total amount for the mortgage or loan by the appraised value of the property. (Holding a mortgage for $70,000 on a home appraised at $100,000 would be a 70% LTV.)

After Repaired Value (ARV):

The worth of a property after all identified repairs have been completed.

Promissory Note:

The document signed by a borrower promising to repay a loan under agreed upon terms. This can also be referred as a note.

Mortgage:

Is an instrument that creates a voluntary lien on real property to secure repayment of a debt which is created by a promissory note. The borrower (mortgagor) gives the lender (mortgagee) this lien on the property as collateral for the loan.

Title Insurance:

Insurance that protects a lender or owner against loss in the event of title defect.

Hazard Risk Insurance:

Insurance that covers property damage caused by fire, wind, storms and other similar risks. Sometimes earthquakes and floods are also covered, while other times they are not.

Lien:

A legal claim against an asset which is used to secure a loan and that must be paid when the property is sold. Liens can be structured in many different ways. In some cases, the creditor will have legal claim against an asset but not actually hold it in possession. In other cases the creditor will actually hold on to the asset until the debt is paid off. The former is a more common arrangement when the asset is productive, since the creditor would prefer that the asset be used to produce a stream of income to pay off debt rather than just held in possession and not used. A claim can hold against an asset until all the obligations to the creditor are cleared (a particular lien).

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Program Summary

All investors are secured by a promissory note, deed of trust, title insurance (unless refinancing an existing note), and hazard insurance.

Average Investment is $50,000.

Average term is 36-60 months.

There is no penalty for early withdrawal. If you need your invested capital back before your term is up, I ask that you allow 60 days to find a replacement lender.

I pay 10% on a first mortgage with no payments.

I pay 12% on a second mortgage with no payments.

Interest calculation begins on the day that funds are received by closing agent.

I always leave a buffer of equity to protect ourselves and the investor.

I will never accept private money from an investor until they have received an original Promissory Note and the security instrument (Deed of Trust) has been sent off for recording.

I keep all of our promises. If a lender wants us to sign personally I will do so since I am committed to take care of them first if anything goes wrong with the deal. However, I never offer to ‘guarantee’ our lender’s investment as that may violate Federal or State rules and regulations related to securities. I prefer to sign as Trustee or as Manager.

I follow State and Federal rules and regulations related to offering securities and seek expert legal advice as needed.

Your investment is 100% hands-off and worry-free. I’ll send you a quarterly statement to let you know how your investment is doing. I’m looking for investors not partners.

I will never pressure an investor to do a deal. It’s pass or play. If you pass I will offer it to our next lender waiting for a deal.

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Sample Returns – BeforeHere’s What You’re Earning Now

Months

Interest Rate

Individual Monthly Profit

Cumulative Monthly Profit

Total Return On Investment

0 3.15% 60,0001 158 158 60,1582 158 315 60,3153 158 473 60,4734 158 630 60,6305 158 788 60,7886 158 945 60,9457 158 1,103 61,1038 158 1,260 61,2609 158 1,418 61,418

10 158 1,575 61,57511 158 1,733 61,73312 158 1,890 61,89013 158 2,048 62,04814 158 2,205 62,20515 158 2,363 62,36316 158 2,520 62,52017 158 2,678 62,67818 158 2,835 62,83519 158 2,993 62,99320 158 3,150 63,15021 158 3,308 63,30822 158 3,465 63,46523 158 3,623 63,62324 158 3,780 63,78025 158 3,938 63,93826 158 4,095 64,09527 158 4,253 64,25328 158 4,410 64,41029 158 4,568 64,56830 158 4,725 64,72531 158 4,883 64,88332 158 5,040 65,04033 158 5,198 65,19834 158 5,355 65,35535 158 5,513 65,51336 158 5,670 65,670

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Sample Returns – AfterHere’s What You Could Be Earning as a Private Lender

Months

Interest Rate

Individual Monthly Profit

Cumulative Monthly Profit

Total Return On Investment

0 9.00% 60,0001 450 450 60,4502 450 900 60,9003 450 1,350 61,3504 450 1,800 61,8005 450 2,250 62,2506 450 2,700 62,7007 450 3,150 63,1508 450 3,600 63,6009 450 4,050 64,050

10 450 4,500 64,50011 450 4,950 64,95012 450 5,400 65,40013 450 5,850 65,85014 450 6,300 66,30015 450 6,750 66,75016 450 7,200 67,20017 450 7,650 67,65018 450 8,100 68,10019 450 8,550 68,55020 450 9,000 69,00021 450 9,450 69,45022 450 9,900 69,90023 450 10,350 70,35024 450 10,800 70,80025 450 11,250 71,25026 450 11,700 71,70027 450 12,150 72,15028 450 12,600 72,60029 450 13,050 73,05030 450 13,500 73,50031 450 13,950 73,95032 450 14,400 74,40033 450 14,850 74,85034 450 15,300 75,30035 450 15,750 75,75036 450 16,200 76,200

That’s $10,530.00 More in Just 36 Months!!!

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How to Get Started

I hope that you have found this guide helpful and that we have demonstrated the benefits of the awesome power of making private mortgage loans. If it appeals to you, you can get started right now. While most people are complaining about the low rates they’re getting on their CDs, stocks and mutual funds, you could be receiving a fixed return of 10%-12% secured by real estate.

Are You Now Ready to Take Action?

Don’t let other people control your money so you only get a return that barely keeps up with inflation. Take control and make sure that when you get ready to retire, you can do what you want without worrying about money and if you are retired, squeeze every interest dollar out that you can.

Private Lending is an incredible way to build wealth in a hurry that many people aren’t aware exists. If you are ready to talk about investment opportunities, please give us a call. Perhaps we can get together for lunch or just chat on the phone. Kahuna Investments, LLC would love to work with you to build a long-term partnership to fulfill your investment needs. Do not hesitate to contact me if you have additional questions.

Call me to set up a consultation

Discuss your investment goals and objectives with me. I can help you structure a private lending solution that best fits your needs at:

Call me on my cell at 480-235-2336

Or visit us on the web at www.KahunaInvestments.com

I will discuss your investment goals and objectives and help you structure a private lending solution that best fits your needs.

Sincerely,

Corey PetersonCEOKahuna Investments, LLC

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Legal DisclaimerKahuna Investments, LLC may from time to time offer securities in the financial markets. The information provided through this guide does not constitute or form part of any offer or invitation to sell or any solicitation of any offer to purchase any securities in the United States or any other jurisdictions. Any securities may only be offered or sold, directly or indirectly, in the state or states in which they have been registered or may be offered under an appropriate exemption.

Kahuna Investments, LLC will, when it does offer such securities, offer them in the following state: Arizona

Only persons in this state will be offered such securities and only under appropriate registration or exemption, and no person from any other state or jurisdiction is or will be offered such investments or securities.

Kahuna Investments, LLC does not guarantee, and makes no representations or warranties of any kind whether express or implied about, the information and opinions provided through this guide, including any items used either directly or indirectly from this guide, and reserves the right to make changes and corrections at any time, without notice. Kahuna Investments, LLC accepts no liability for any inaccuracies or omissions in this guide and any decisions based on information and opinions contained in this guide are the sole responsibility of the reader.

This guide may contain information about the past investment and successes of the business. It should be remembered that past performance cannot guarantee future performance.

This guide may contain statements concerning our business, financial condition, results of operations and certain of our plans, objectives, projections, expectations or beliefs with respect to these items. These statements may constitute forward-looking statements as that term is defined in the United States Private Securities Litigation Reform Act of 1995. These statements include, without limitation, those concerning the company’s strategy and its ability to achieve it, expectations regarding real-estate investments, investment plans, and those precede by, follow by or that include the words “believe”, “expect”, “Intend”, “plan”, “anticipate” or similar expressions.

By their nature, forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. There are a number of factors that could cause actual results and developments to differ materially from those expressed or implied by these forward-looking statements.

This guide is not directed at any person in any jurisdiction where for any reason the publication or availability of this guide is prohibited.

Copyright information: The information and images contained within these pages are copyright 2008, Kahuna Investments, LLC. All rights reserved.

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