Gold Country Commonwealth » admin http://goldcountrycommonwealth.com Hard Money Loans, Foreclosure, Note Servicing Wed, 06 Jul 2011 19:30:17 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 http://goldcountrycommonwealth.com/blog/2009/07/13/202/ http://goldcountrycommonwealth.com/blog/2009/07/13/202/#comments Mon, 13 Jul 2009 20:40:42 +0000 admin http://goldcountrycommonwealth.com/blog/2009/07/13/202/
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INVESTMENT BULLITEN

VALLECITO ESTATE LOT
 
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#Equity Analysis

Appraised Value/Realtor/For Sale             $475,000
First TD Loan amount                                  $120,000
Protective equity                                           75%
Loan-to-value ratio Appraised Value            25%

# More

#Terms


Terms of Investment                                  3 years
Current Interest Rate                                    12.5%
Repayment Schedule                                  Interest Only
Monthly Payment                                         $ 1,250.00
Frequency of payment change                      n/a
Current balance on the note                       $120,000.00
Maturity date                                                  36 months
Balloon pmt. after 36 mos.approx.             $120,000.00
Interest Paid 36 mos. approx.                    $45,000.00

Late charge. mo/amount                            $125.00
Prepayment penalty                                       n/a

     *Less Loan Servicing Charges

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#Borrowers


Name(s)                                                       Married
Net worth (est)                                            $1 million
Occupation                                                   Owner Builder
Credit                                                           Excellent
Employment Income                                   Investment

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#Investment Information

Gold Country Commonwealth, LLC
www.goldcountrycommonwealth.com

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# Property Specifics

This is a five acre view parcel located in Vallecito Estates, a gated communtiy. The area is in a renowned wine growing region in the Calaveras County. The parcel has all utility hookups, water, paved road, septic system, power on site to build amoung the farietal grape vineyards.

The private development consists of eight homes each on five acre parcels wtih a potion of vineyard land and view of seasonal pond and twisted oaks. The property has completed plans for a 5,00 sqft home including wine celler.

The economic base of Calaveras County is growing with agricultural vineyards, cattle ranching, but essentially a bedroom community. Vallecito still maintains a quaint historic gold rush era towns and is located between downtown Murphys and the community of Angles Camp. Tourism and wine tasting are big industry for the county.

In our experience, borrowers will do their utmost to keep the equity in a property especially when party’s to the loan have capacity to maintain the payments. The owner has other properties, the borrowers do not want to lose the equity in this property and have the assets to cover the payment if necessary.

The borrower has been in the construction and home design business for twenty years. The borrowers in my discussions with the bank manager at Pacific State Bank indicated they have never missed a payment on their four loans with the bank. The borrowers are unable to acquire bank financing for this type of property due to the new changes in regulations that have hit the financing industry.

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For more information, please contact us:

Simon Granville
simon.granville@gmail
877.795.9282
CA Lic: 0181669

Loan Specifics:

MinimumParticipation: $50,000.00

Loan Amount:* *$120,000.00

Type:
First Trust Deed

Yield:
12 1/2%**

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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]]> http://goldcountrycommonwealth.com/blog/2009/07/13/test-post/feed/ 0 CONGRESS CAUSES 2009 DEBT DEPRESSION http://goldcountrycommonwealth.com/blog/2009/02/02/153/ http://goldcountrycommonwealth.com/blog/2009/02/02/153/#comments Tue, 03 Feb 2009 00:55:54 +0000 admin http://goldcountrycommonwealth.com/?p=153


IN THE GREAT DEPRESSION OF THE 1930′s
Most people didn’t own homes, Banks did when they foreclosed! Today people own homes but are saddled with debt ie mortgages, equity loans, credit cards plus property taxes; Americans didn’t have a government that was gobbling up private assets at bargain prices like the USSR; Americans were not $14 trillion in debt; Cash disappeared in 1929 and Congress today is considering acquiring personal 401k/IRA’s while the value of those investments vanished overnight, turning the middle class retirees into paupers.  The US had a trade surplus, and not a $700 billion plus yearly deficit.   The US had yearly budget surpluses and was not $11.5 trillion in the  hole; Auto makers

Made a profit, today Toyota makes the same number of units as GM but is profitable, $39 billion in 2008 given the outsourcing of industrial jobs  as a result of global competition.  Today congress won’t listen to the American people it favors bail outs. It is hard to justify a huge government bailout for uncompetitive GM, Ford or Chrysler, these car companies will go under especially due to congressional intervention.  More unemployment! Bailouts are a very expensive and inefficient way, to prevent unemployment. Congress might be better off letting GM go under, and use bail money to try and retrain workers, and stimulate investment in the towns most affected, rather than wasting tax payer dollars on a company(s) that’s not competitive  and won’t survive

 this economic turn down.A depression is inevitable due to government assistance, massive debt, States out of money; Americans will stop buying which drives the world economy.  National unemployment is 6.5% California is 8.5%, 2009 is projected to be in the teens!FIND SECURE 1st TD EQUITY IMMEDIATELY
Banks with 1st TD investments made out fine in 1930 and you can too in 2009.  When the government gives unemployment benefits it will include funds for mortgage payments, otherwise foreclosure brings you the property.  Well placed 1st TD’s from Gold Country Commonwealth, will bring income, build equity, and hedge against deflation. Government printing dollars is stabilizing the value of money now.

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