PRIVATE LENDING

“Making Your Money Work For You”

““Working Smarter Working Smarter

Not Harder!”Not Harder!”

WE LEND A HAND TO HOSE IN NEEDS!!WE LEND A HAND TO HOSE IN NEEDS!!

WelcomeWelcome

• We are so glad that you stop by and look We are so glad that you stop by and look at this presentation, it will help us get at this presentation, it will help us get acquainted.acquainted.• I really want you to understand what we I really want you to understand what we have to offer.have to offer.• I encourage you to email us your questions I encourage you to email us your questions after the presentation, if you still have them, after the presentation, if you still have them, because your questions will probably be because your questions will probably be answered before it’s over.answered before it’s over.

AgendaAgenda

Company OverviewCompany Overview What is Private What is Private Lending?Lending? What’s in it for you?What’s in it for you?

How you benefit.How you benefit.

Private LendingPrivate Lending OverviewOverview

We buy and sell houses.We buy and sell houses.

To purchase the houses we prefer to To purchase the houses we prefer to borrow money from private lenders.borrow money from private lenders.

We pay you 10% to use your money.We pay you 10% to use your money.

Its that simple.Its that simple.

Private Lending BENEFITSPrivate Lending BENEFITS

Secured

Hassle-free

Superior Yields

Private LendingPrivate Lending

A. B. Home Buyers LLCA. B. Home Buyers LLCTeam:Team:Luis Mirabal- Acquisition ManagerLuis Mirabal- Acquisition ManagerVayron Mirabal-Project ManagerVayron Mirabal-Project ManagerAndrys Gomez-AttorneyAndrys Gomez-AttorneyOscar Payan-Renovation ManagerOscar Payan-Renovation ManagerJose Barerra-RealtorJose Barerra-Realtor

ABOUT USABOUT US

A. B. Home Buyers LLC is a private real estate investment company.We acquire, rehabilitate, and lease residential and, commercial real estate.A. B. Home Buyers LLC is a real estate & investment company.

Our goal is to provide affordable housing to tenants, first-time home buyers and the general public.

Company StoryCompany Story

• From a dream of Real Estate Investing in 2000, two brothers From a dream of Real Estate Investing in 2000, two brothers began attending first class leadership and Real Estate began attending first class leadership and Real Estate Investing Educational Programs. They then began branching Investing Educational Programs. They then began branching out to purchase properties one by one, teaming up with a few out to purchase properties one by one, teaming up with a few family members and dynamic individuals building a wonderful family members and dynamic individuals building a wonderful company ultimately called A. B. Home Buyers LLC. We have company ultimately called A. B. Home Buyers LLC. We have carefully selected our team not only on their expertise but carefully selected our team not only on their expertise but their heart and their commitment to giving back to an their heart and their commitment to giving back to an incredible industry. incredible industry.

Company MissionCompany MissionWe work closely with a national group of investors and We work closely with a national group of investors and educational team to build a local and national portfolio of educational team to build a local and national portfolio of properties allowing individuals to purchase a home, and properties allowing individuals to purchase a home, and investors buy their first investment, then increase and investors buy their first investment, then increase and diversify portfolio’s. diversify portfolio’s.

In essence it is our goal to build a synergy of like minded In essence it is our goal to build a synergy of like minded individuals to come together to fulfill a piece of the Real individuals to come together to fulfill a piece of the Real Estate Investor puzzle for the experienced and inexperienced Estate Investor puzzle for the experienced and inexperienced alike in order to create a truly dynamic opportunity for even alike in order to create a truly dynamic opportunity for even the little guy to be involved in Real Estate Investing the little guy to be involved in Real Estate Investing regardless of education, money, time, and experience.regardless of education, money, time, and experience.

Our goal is to grow the company by providing a possible Real Our goal is to grow the company by providing a possible Real Estate Investing opportunity for those who otherwise would Estate Investing opportunity for those who otherwise would not have the opportunity, the education, the time or the not have the opportunity, the education, the time or the experience and to provide a diversified investment strategy experience and to provide a diversified investment strategy for those who prefer to invest in Real Estate on a more passive for those who prefer to invest in Real Estate on a more passive level. Also to provide affordable housing to tenants and 1level. Also to provide affordable housing to tenants and 1stst time homeowners. time homeowners.

A. B. Home Buyers L.L.C.A. B. Home Buyers L.L.C.

We are a Limited Liability We are a Limited Liability Company.Company.

Short-term hold properties.Short-term hold properties.

Manage rentals/leases.Manage rentals/leases.

How To Find UsHow To Find Us

Web Site: Web Site: www.abhomebuyersllc.com www.abhomebuyersllc.com

E-Mail: E-Mail: info@abhomebuyersllc.cominfo@abhomebuyersllc.com

Phone:Phone: 973-778-9124973-778-9124

Investment Area CoveredInvestment Area Covered

Our scope encompasses on the Our scope encompasses on the following areas: NJ, NY, PA, FL, following areas: NJ, NY, PA, FL, MI, MA, and other outlining MI, MA, and other outlining areas that are growing. areas that are growing. International are such as: International are such as: Dominican Republic, Panama & Dominican Republic, Panama & Mexico.Mexico.

Competitive AdvantageCompetitive Advantage

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

House Purchased

Before and AfterBefore and After

House Purchased

Before and AfterBefore and After

Before and AfterBefore and After

RULE of 72’RULE of 72’

Rule of 72’ is a way to determine how long an investment will take to double by dividing 72 by the annual rate of return.

How long will it take for your investment to double? Example: Investment of $100,000.00

Rate of Return 3% = 24 Years = $200,000.00Rate of Return 8% = 9 Years = $200,000.00Rate of Return 10% = 7.2 Years = $200,000.00

HOW DOES YOUR BANK HOW DOES YOUR BANK MAKE MONEY?MAKE MONEY?

CDs Mortgages

Charges high % ratePays low % rate

A. B. Home Buyers LLC eliminates A. B. Home Buyers LLC eliminates the middle manthe middle man

X

Documents Securing Investment

Renovated Home

Tenant - Buyer

Rent Payment

10% Interest Payment

Private Lender

HOW IT WORKSHOW IT WORKS

INTEREST PAYMENT INTEREST PAYMENT OPTIONSOPTIONS

Monthly Payments of 10% simple interest

Quarterly Payments

Lump Sum Payment at end of year with principal and interest included

EARLY WITHDRAWAL EARLY WITHDRAWAL OF CDOF CD

Example: $100,000

Bank CD Rate: 4%Term: 1 yearTermination Fee: $1,000

Interest Paid: $4,000

A. B. Home Buyers LLCInterest Rate: 10%Term: 1 yearTermination Fee: $0

Interest Paid: $10,000

**$10,000 - $1,000 = $9,000 NET GAIN**

There is There is nono early withdrawal fee with early withdrawal fee with A. B. Home Buyers LLCA. B. Home Buyers LLC

DOCUMENTS SECURING DOCUMENTS SECURING YOUR INVESTMENTSYOUR INVESTMENTS

Promissory Note – defines the terms & conditions of your investment.

Deed of Trust – mortgage secured / recorded against the property.

Title Insurance – protection for lender policy. (Case by case basis)Hazard Insurance

Individual Lenders (YOU) Have Individual Lenders (YOU) Have NoNo ExpensesExpenses

WHAT IS THE PRIVATE LENDERS WHAT IS THE PRIVATE LENDERS BIGGEST CONCERN?BIGGEST CONCERN?

Protection of Your Protection of Your Investment, Investment,

of course!of course!

# 1 Rule:# 1 Rule: Total loan amount borrowed by REI will not be higher than 85% loan-to-value after renovation

work is completed.

We don’t over leverage the property which = We don’t over leverage the property which = additional security for you.additional security for you.

THERE IS THERE IS ALWAYSALWAYS PLENTY OF PLENTY OF INVESTMENT ABOVE YOUR LOANINVESTMENT ABOVE YOUR LOAN

< $100,000 After Renovation

< $85,000 Max Loan (85% LTV)

$15,000 Instant Equity Cushion!$15,000 Instant Equity Cushion!

REI’S PURCHASE REI’S PURCHASE PROPERTIES FROM…PROPERTIES FROM…

• Banks

• Private Individuals

• Realtors

•Foreclosures

•Estates

•Other Investors

We Specialize in finding distressed properties that usually need renovation.

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

We create maximum value and improve the community by remodeling the property .

HOW DO WE BUY HOUSES HOW DO WE BUY HOUSES BELOW MARKET VALUE?BELOW MARKET VALUE?

PEOPLE WHO BUY HOMES PEOPLE WHO BUY HOMES FROM REI’SFROM REI’S

First-time homebuyers&

purchasers who cannot qualify through conventional financing

We help people achieve the American Dream of homeownershipWe help people achieve the American Dream of homeownership

The Next StepThe Next Step ??

By now you know how this program By now you know how this program works and how you can earn 10% works and how you can earn 10% starting today.starting today.

Your options:Your options:

We hope you decide to join our team

The Next StepThe Next Step ??

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

2) Fill out the request form under the 2) Fill out the request form under the contact us tab. To Set up a one-on-contact us tab. To Set up a one-on-one meeting to discuss in more one meeting to discuss in more details.details.

CLOSING STATEMENTCLOSING STATEMENT

Work Smarter Not Harder!Work Smarter Not Harder!

Make Your Money Work For You!Make Your Money Work For You!

Start earning up toStart earning up to 10% today!10% today!

WE LEND A HAND TO HOSE IN NEEDS!!WE LEND A HAND TO HOSE IN NEEDS!!