Archive for the 'Investments' Category

Oct 15 2009

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simon

Investment Bulletin

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Jul 13 2009

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admin

Filed under Investments

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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.

# More

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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Feb 20 2008

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simon

Land in Arnold Subdivision

Filed under Investments

$35,000 1st TD 2 year note; First payment due May 25, 2007, interest only payment $350/ mo. @ 12% interest. Note runs through April 25, 2009. Property payment has been late but has recently been brought back up to date. Property located in Arnold, is .75 ac in a subdivision with homes on both sides of it lots in the area are selling for $135,000, will need to get a good estimate of sales in the area in 2008. Loan to value ratio 26%.

map

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Feb 20 2008

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simon

Warehouse Metal Building Arnold

Filed under Investments

$50,000 1st TD eight month note; Payments started August 30, 2007, interest only $520.83/mo. @ 12.5% interest. Note runs through August 30, 2008, discussions have already been made to extend the note and raise the interest rate to assist the borrower. Property is a commercial warehouse metal building located in Arnold, has four rental units in the building and encompasses approximately .5 ac. Estimated value is $235,000. Loan to value ratio 21%.

1720 maple street, Arnold

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Feb 18 2008

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simon

Rock House in Mokolumne Hill

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$16,625 new 2nd TD 7 year note; first payment due Feb. 15th, interest only payment $204.35/mo. @14.75% interest. This is a 2nd TD with a first of $176,000 6.8% interest $1,1154/mo. payment. Total loans on property $192,625. Property has two houses on it estimated value of property $310,000. One house is now advertised for rent for $750. Property was just pulled out of foreclosure. It’s a historical residence, Rock House on main street in Mokolumne Hill. Loan to value ratio 62%.

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