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Using Leverage to Maximize your Return on Investment

Topic: Using Leverage to Maximize your Return on Investment

Gerald will explain note investing from the purchasing and due-diligence process to exit
strategies. He will review case studies on several notes that have been recently resolved. This
presentation will be valuable to the beginning note investor as well as experienced note
investors.
Topics covered will include:
 Where to buy notes
 What to watch out for when buying notes.
 Regulations regarding note investing.
 Tips and strategies for note workouts.
 Effects of Bankruptcy on notes.
 Should I use a servicer for my notes
 Case studies of completed note resolutions
Learn from a recognized expert note investor that's currently very active in the field. Find out
what types of note investments fit you and how to make above market returns.

SpeakersKyle Humfeld

Kyle Humfeld has long been interested in math, numbers, problem solving, and education. Growing up in a financially conservative family, he learned early what money can do for you (and do to you), and how to live beneath his means and accumulate savings and investments. He graduated from college without any debt, owns his cars free and clear, and never carries a balance on his credit cards. Since 2008, Kyle and his wife have steadily increased their passive-cashflow assets, including mortgage notes, rental property, partnership deals on real estate, and smartphone, tablet, and computer-based software.

A long-time educator, Kyle has tutored various levels of mathematics as early as age 13, and taught martial arts to all ages for seven years, ending in late 2010. Having launched a real estate investment business with his wife in 2008 (alongside working a full-time job programming computers for a large aerospace company and working part-time on In A Day Development), he’s actively working to build his knowledge and portfolio of property and management, mortgage notes and trust deeds, master leases, options to purchase, and all manner of other means to build passive income. Having just turned 40, he’s happy to no longer be dependent upon full-time employment, and now devotes himself to working on things he’s passionate about rather than punching a clock to put food on the table. Teaching others about money has long been one of his long-term goals, and one in which he’s happy to continue gaining experience.

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Gerald Lemoine


As an experienced note investor, Gerald is an expert at acquisition, management and liquidation of performing and non-performing notes nationwide. With an emphasis on Partnering and Joint Ventures he has achieved success in raising capital and producing impressive returns for their partners. He currently manages a note portfolio of over $25 million. Gerald has been involved in real estate since the late 1990’s, first as a developer, then later with rentals and the purchase, rehab and sale of investment properties. Prior to the real estate business, Gerald was a project manager for a global heavy industrial general contractor with annual revenue of over $1 billion


Price: $20 

Agenda:

6:30 - Networking

7:00 – Using Leverage to Maximize your Return on Investment presentation

9:00 - Networking

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  • Hungrymandave

    I was awed by how versatile notes were. Most people think of leveraging traditionally like my post below, but the 2 presenters talk about leveraging differently. Ex, Buy a $5 mill bundle of non-performing 2nd TD notes for 10 cents on the dollar or $500k. IF you can get these notes performing even at a modest 5%, that's potentially 5% of some fraction of $5mill rather than 5% of $500k! Not all notes are good & some notes take years for appreciation to return before you can 'motivate' the homeowner w/ foreclosure to do payment plan or sell house to pay you off. Another type of leveraging is selling (to get your original money back) the initial pay periods of the note you got for cheap that you made "performing again", and then get the note back after a few years. We also learned about using financial calc to find Time Value of Money, which lets you compare the value of diff notes. Notes are more advanced but worth understanding. http://inadaydevelopment.com/10bii-financial-calculator/

    August 26

  • Hungrymandave

    Newbies, be careful of overleveraging. There is an inverse relationship between amt of downpay you put in and the Rate of Return (RoR). The less you put down, the higher your RoR will "appear". This can seduce you to think you should put as less money in as possible to obtain the highest rate of return. A newbie may think buying $500k house w/ 3% down ($15k) that make 15% cash on cash is good deal. Well, 15% of $15k is only $2250 per year, but the newbie is on the hook for a $485k mortgage that will easily negate profit w 1 month vacancy. This same deal analyzed at 20% downpay results in a major drop of ROR to 7.25% from 15%. Nuts!

    ($100k down, which amounts to about $5k /year in mortgage payment savings. Thus, $5k + $2250 = $7250 on $100k is 7.25%) The difference is at 20% down, the cashflow is strong enough to cover 3 month's worth of vacancy as safety, which gives peace of mind to hold for appreciation. Leverage smart & safe; else you're just incurring high debt!

    1 · August 25

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