Want to learn how to make great returns on your hard earned money?
We are looking for private investors who are looking for a secure investment option that provides a high rate of return. Rehabbing houses is a very cash hungry business and with lending practices the way they are, it is sometimes difficult and cumbersome to get financing for rehabbing homes. Solution: Private investors. We depend on private investors to supply us with the cash necessary to buy, rehab and sell properties quickly. In return, we pay you a high rate of return for your investment and we save time, money and headaches of dealing with the bank. If you are interested in learning more about becoming a private investor of RAMS LLC, check out our Frequently Asked Questions or contact us for an investor packet.
Frequently Asked Questions:
Is this a safe investment?
Absolutely; Each and every property that we purchase is put through a rigorous financial evaluation in order to evaluate the profitability before the property is purchased. RAMS, LLC invests only in properties that can be bought at a significant discount. We are not real estate speculators because we do not make investment decisions based on future appreciation. We deal only in present value terms and only invest in properties that can be bought at a significant discount where an initial profit is made at the closing table. We increase our profit margin by buying the property with cash, rehabilitating the property with our team of contractors, and selling the property ourselves. Where other real estate investors or companies falter we succeed because we keep the majority of the costs in house.
As the investor, you will have a loan made to us that is secured by the property. Therefore if anything should happen to us, or if we failed to make payment, you are able to take several different steps that would allow you to take the property. One of our distinguishing factors though, is that RAMS LLC has never been late on a payment to an investor.
In the event of fire, flood or other damage to the home, the property will be covered with an insurance policy that will have your name as the mortgagee. You will receive a copy at closing.
Will I have to do a lot of work?
We will do all of the work. All you have to do is sit back and wait on the interest checks to come. It’s our job to get you proper documentation and protect your interest. All of this costs you nothing. The borrower pays all costs. If you make a $100,000 loan, you send a check for $100,000 to the closing attorney and you get a mortgage for $100,000.
Can I use my retirement account to invest money?
Yes, think of the power of loaning funds at high interest rates that are tax free or tax deferred! We can provide more details and set you up with a custodian that can set up the account for you. We work closely with Equity Trust Company. They are the nations leader in Self Directed IRAs and 401ks, with over 140,000 clients in all 50 states and close to $10 billion dollars in retirement plan assets under management.
What are my options if RAMS LLC doesn’t pay?
Actually, there are several options but first and foremost, please be aware that “Integrity” is an essential part of our business and we only make sound investment decisions. One of RAMS, LLC’s distinguishing features is that we have never been late on a payment to a private lender. In our investor packet, we lay out all of the different options to collect your money if we do not pay.
What if I want to liquidate?
If you want out, a 45 day written notice is required, because we will need to replace your funds with another investor’s money. You really shouldn’t make mortgage loans if you feel you will liquidate this shortly, but the option is always available and we have been able to liquidate in as little as two weeks in some scenarios. Also, unlike with a bank CD, there is no penalty for early withdrawal. Just call us, and we will handle all of the details.
Is this a long term investment?
Generally, your investment is tied to a specific project with a timeline ranging from 3 to 12 months. We have lending programs for short term holds of three to six months. We also have longer term holds of one year and longer. You can pick a term that suits your strategy. It’s your money and it’s your choice.
Making any investment is a difficult decision which is why we want to make as much information available to you as we can so that you are able to make a responsible decision. We have an investor packet that gives sample projects and more details about investing with us. Feel free to call or email us with any questions that you may have.