Hard Money Private Equity

HARD MONEY FLIP AND FIX 100% PRIVATE EQUITY Eric L. Frazier MBA President and CEO CAL BRE 01143485 NMLS 461807 800-401-8994 x 703 The Power Is Now Inc. CAL BRE 1980407 NMLS 1435243

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INTRODUCTION  President of The Power Is Now Inc. Radio | TV | Magazine | Events | Mortgage Services | Real Estate Services | Marketing Services  President of The Orange County Realtist (NAREB)  BOD of California Assoc. or RE Brokers  24 years as Real Estate Agent |15 Years Broker  Co-Founder of Frazier Group Realty, Riverside, CA 4

INTRODUCTION  Married 35 years 4 Daughters One in College., Three MBAs. All In Real Estate  Born in Memphis Tenn. Native IE. San Bernardino. Residence - Riverside 15 years.  University of Redland Graduate  Degrees: BSBAM, & MBA in Finance  35 years as Lender/Mortgage Banker

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INTRODUCTION The Power Is Now Inc.  The Power Is Now is a multimedia company has been around since 2009  The Power Is Now Inc. is licensed to sale real estate CAL BRE 1980407

 The Power Is Now Inc. is license to broker mortgage loans NMLS 1435243  Founder and Broker Eric L. Frazier MBA CAL BRE 01143484 & NMLS 461807 As a Mortgage Brokerage, The Power Is Now Mortgage Services has access to many lenders that offer programs for first time homebuyers, move up buyers, investors, churches, non-profits and foreign nationals. We are a full service mortgage brokerage committed to serving FTHB’s, low to moderate income borrowers & minorities.

MISSION The mission of the Power of Now Inc., is to inspire, educate, and empower real estate professionals, and consumers to build wealth through real estate with information, services and support that will give them the power to act now for their future.

VISION The vision of the Power is Now is to be a powerful resource for real estate professionals, and consumers to buy and/or sell real estate to achieve their personal, family and business goals to build wealth and leave an inheritance and legacy for their family.

The PowerPoint Presentations Are Available Now http://thepowerisnow.com/events/ Download Mobile App & the flyers on the program you are interested in Get started with your loan application online Tonight Buyers: www.applytobuynow.com Real Estate agents: www.neverleaseagain.com Need help?: www.neverrentagain.com

THE PATHWAY TO POWER AND WEALTH Is To Own Real Estate Now!

THE POWER IS NOW WEALTH INITIATIVE www.neverrentagain.com Building Wealth with Real Estate

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THE POWER IS NOW WEALTH INITIATIVE Changing your mindset toward financial literacy and wealth building. www.neverrentagain.com FIVE KEY OBJECTIVES

REAL ESTATE WIILL CLOSE GAP THE AMERICA DREAM IS STILL A REALITY

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HARD MONEY Flip and Fix 100% Private Equity Eric L. Frazier MBA President and CEO CAL BRE 01143485 NMLS 461807 800-401-8994 x 703 The Power Is Now Inc. CAL BRE 1980407 NMLS 1435243

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CAN I GET AN INVESTMENT PROPERTY FUNDED USING NONE OF MY OWN MONEY?

CAN I GET AN INVESTMENT PROPERTY FUNDED USING NONE OF MY OWN MONEY? •Yes and no. It does not have to be your personal funds, however someone will typically have to put money down toward the purchase of an investment property before a lender will seriously consider your loan request. •Lenders want you to have "some skin in the game." As a rule of thumb make sure you have 10 to 20% or more available - the more the better. If you are refinancing, money down is not always necessary provided you have sufficient equity in the property.

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WHAT EXACTLY DOES A PRIVATE MONEY BROKER DO?

WHAT EXACTLY DOES A PRIVATE MONEY BROKER DO? The Power Is Now as a Mortgage Broker takes the stress out of buying and refinancing investment properties by allowing consumers to get multiple offers from several hard and private money, assetbased lenders in a matter of 48 to 72 hours.

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MONEY IS NOW LOOKING FOR YOU

MONEY IS NOW LOOKING FOR YOU •Lenders have raised billions to deploy into the market and need borrowers like you to lend to. It is simple supply and demand. •Money is now looking for you! This means you have more options, can get better rates and terms, and ultimately keep more of the money you make.

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THE BEST REA ESTATE INVESTMENT LENDERS

THE BEST REAL ESTATE INVESTMENT LENDERS We've consolidated the nations best hard money + private real estate investment lenders into a database under one virtual roof.

To gain access to this network and a virtually unlimited amount of funding for residential and commercial lending, all you have to do is go to www.applytobuynow.com 24

WE DO THE HEAVY LIFTING

WE DO THE HEAVY LIFTING •Your request for funding is sent to a network of qualified lenders. We analyze the Loan request match you with the lenders who are willing to meet your unique needs at the lowest rate!

•We save you time.

•We find the best terms.

•We make it happen.

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LOANS APPROVALS BASED OFF THE DEAL NOT YOUR CREDIT

LOANS APPROVALS BASED OFF THE DEAL NOT YOUR CREDIT Our network of lenders provides funding based on the numbers in the deal - not your credit.

Good credit does not hurt, but is not required.

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LOANS APPROVALS BASED OFF THE DEAL NOT YOUR CREDIT •Since loans are based on the property, personal info such as bank statements, tax returns, social security number are not required to get matched with the right lender(s)!

•TIN Numbers are completely acceptable.

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HERE IS HOW IT WORKS Let me give you some examples and underwriting guidelines.

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GENERAL UNDERWRITING GUIDELINES Stated Business Purpose Loans:

Owner Occupied Hard Money

Must be active in business

Is for any loan where the funds are used for personal reasons and not business

Must have Business Bank account Must have a LOE on how the money will be used All loan on the property must be current.

The ability to repay – 2 years Debt to income ratio 43% 20 to 30 year terms no prepay penalty

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RESIDENTIAL N/O/O AND INVESTMENT SFR, CONDO, PUD (1-4 UNITS) PROPERTIES Stated Business Purpose Available

Stated Programs with no Pre Payment

Refinances up to 65% LTV, min loan amount 50K to 5 million

APR Rates Range from 8.50% to 12.00% fixed

Purchases up to 70% with loan amount Ranging from 50K to 5 million

 Loan costs Range from 1.50% to 4.00%

Loan term, 1 year, 3 year, 5 year, interest only or fully amortized available

depending on LTV term and prepayment penalty

We have 2nd position loans available for N/O/O and investment properties CLTV can range from to 55%-60% 32

APARTMENTS AND UNITS (5+ RESIDENTIAL UNITS) Up to 70% on refinance and purchases Stated Income but verified rental income Loan terms: 1 year, 3 year, 5 year, 7 year and 10 year; fixed IO or fully amortized

Programs with no PP available Loan costs ranges from 1.50% to 4.00% subject to: LTV, term and prepayment 2nd position loans are available for commercial loans up to 60% CLTV

APR from 8.00% to 12.00%, Subject to: LTV, prepayment and term 33

COMMERCIAL (INDUSTRIAL, RETAIL, CHURCH, MIXED-USE, GAS STATION, AUTO RELATED, MANUFACTURING, ETC.) Ranging from 55% LTV on refinances to 60%-65% LTV on purchases Terms 1 to 5 years Loan costs range from 2.00% to 4.00% depending on LTV, term and prepayment penalty Land loan (max LTV 35% refinance, 50% purchase)

HARD MONEY FLIP AND FIX 100% PRIVATE EQUITY Eric L. Frazier MBA President and CEO CAL BRE 01143485 NMLS 461807 800-401-8994 x 703 The Power Is Now Inc. CAL BRE 1980407 NMLS 1435243

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BONUS INFORMATION NEXT Where there is a Will there is a Way to Buy a Home

By Eric Lawrence Frazier MBA NMLS 461807 CAL | BRE 01143484

NON PRIME PROGRAMS Where there is a Will there is a Way to Buy a Home

By Eric Lawrence Frazier MBA NMLS 461807 CAL | BRE 01143484

ATR – ABILITY TO REPAY LOANS – NO INCOME DOCS Qualify with enough Liquid Assets to cover the loan balance! NO MONTHLY INCOME REQUIREMENT! Asset Based Nothing on the 1003 for Income Nothing on the 1003 for employment 60 days for Statements on the assets – Nothing going out only coming in. No prepayment penalty – payoff any time.

ATR – ABILITY TO REPAY LOANS – NO INCOME DOCS Highlights:

Employment is not required. You Only Need to Show Two Months of the Qualifying Account Statement

Up to 75% LTV - Purchase or C/O Refinance Fico 600+ Owner Occupied or Investment

ATR – ABILITY TO REPAY LOANS – NO INCOME DOCS How the loan is Calculated: If the total assets cover the loan balance you’re done!

Product Type:  First Position Mortgages  30-Year Fully Amortized Term  7/1 Hybrid ARM - 7-Year Fixed Period followed by a 23-Year Adjustable Rate Period set to the 1- Year CMT Index, or a 30-Year Fixed  No Prepayment Penalty  Must have Impounds  Payments are PITI

NON PRIME LOANS No Income Verification Verified Assets Required Property to be cashflow positive  80% of fair market rents.  Negative cashflow X 84 months = Assets required to qualified  Assets must be seasoned for 2 months.

FICO 600 to 75% Purchase or Refinance Homes recently listed for sale - No Problem Lack of Trade lines or only one credit score – No Problem No Reserves - No Problem

NON PRIME LOANS $2,000,000 Maximum loan amount Interest Only payment available No Pre Payment Penalties State Income for 1 – 4 unit properties: Investment or Business purpose owner occupied

Foreign Nationals Cross Collateralization – 2 properties in the same county. Cannot sell the property until the loan is paid Fix & Flip 65% LTV to 75% Rehab 25k to 50k 9 months seasoning on the loan before refinance

ALT –A RESIDENTIAL PROGRAMS 90% LTV – 24 MONTHS SEASONING 2yrs from Foreclosure, 2yrs from Short Sale, 2yrs from Bankruptcy Interest Only Available Up to $3,000,000 Loan Amounts Max 43% Back End Ratio Reserves: 12 Mos. if loan is greater than 80 LTV

QUALIFY WITH BANK STATEMENT - PROGRAMS Personal Accounts qualify with

 100% of Deposits for Personal Statements!

Business Accounts qualify with

 50% of Deposits for Business Statements!

Don’t look at Withdrawals!

Don’t look at Overdrafts! No P&L! No Reserves! No 4506T! 12 to 24 Months of Statements  Owner Occ. w/600 Fico, Non Owner & 2nd Homes w/500 Fico  Self Employed and 1099 borrowers only

Only 6 NSF’s in the most recent 12 months 9 NSF’s in the last 24 months

ASSET DEPLETION Use 100% of Liquid Assets to qualify 7yrs or 84 Months of PITI & Liabilities!

75% max LTV 600 min Fico Rates range from 6.99 to 8.99% - FICO Driven

Eric L. Frazier MBA President and CEO CAL BRE 01143485 NMLS 461807 800-401-8994 x 703 The Power Is Now Inc. CAL BRE 1980407 NMLS 1435243