JS Real Estate Solutions offers programs that allow individuals to realize returns of 12-14 percent on investments secured by real estate. These direct-lending opportunities have very little risk and are of relatively short duration, enabling investors to experience financial benefits almost immediately.

This private-money lending is used to help homeowners who may be experiencing financial difficulties. The program enables them to eliminate debt and re-establish good credit ratings so that they can obtain standard mortgage loans through traditional channels. Borrowers are bridged to a healthy economic future.

The Program at a Glance

An individual invests a minimum of $50,000 toward a first position mortgage, secured by residential real estate, typically in the New York metropolitan area. Borrowers can receive up to 65 percent loan-to-value, meaning that the homeowner has at least 35 percent equity in the property.

Upon closing, an up-front transfer of the full year's 12-14 percent loan interest is made to the escrow agent who makes 12 monthly payments to investors. Loan proceeds are used to pay off existing mortgage debt, credit card debt, liens, judgments and the like, allowing the borrower's credit score to increase. Additionally, the homeowner establishes a track record of timely payments, making a more conventional home mortgage loan again possible. Principal is returned to the investor within 14 to 15 months of the initial outlay, that is, two to three months after the homeowner closes on a traditional mortgage loan.

Safeguards

Numerous precautions are taken to ensure the security of each investment. JS Real Estate Solutions' legal counsel scrutinizes all information provided by the mortgage broker: the appraisal from a licensed appraiser, the credit report and the Uniform Residential Loan Application (Form 1003). In addition, an independent appraiser is retained to confirm the property's value. At no additional cost, investors are named as the first mortgagee and protected with title, general-liability and fire insurance.

Rates of Return

The amount of each loan can vary, depending on the equity that a homeowner has in the property, per the table below.

Additional Points

• Investments may be made individually, jointly, as a business entity or in self-directed IRAs.

• Investment properties may be single-family residences, multifamily residences up to four housing units or mixed-use properties. They often are owner-occupied.

• Investment properties typically are in Nassau and Suffolk counties on Long Island; the five boroughs of New York city, Connecticut, New Jersey and Florida.

• Part of the loan proceeds pay for a credit-repair service and credit counseling to help the borrower become financially healthy more quickly.

• Loans usually close within a week.

In March 2006, an informative conference call was conducted explaining how to earn 12-14 percent as a private investor. To hear an overview, click here, or use the player below.

To obtain a FREE CD of the entire conference call or to obtain additional information, click here.