Advice Pool - Real Estate

If you invest in real estate, you need cash to buy houses. Even if you have a full bank account and great credit, you’ll eventually run short on funds - or short on time to obtain a loan - for the next deal. Private lending is the answer. It is a b

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ottomless pool of readily accessible funds: whether you have great credit or poor; whether you have cash reserves or not.

“Private Lending” refers to the process of borrowing real estate investment funds from private individuals at rates higher th

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

an these lenders can normally achieve in the marketplace. The attraction of private lending is the speed and ease of funding a deal.

Here’s how it works…first you find or do marketing to find individuals interested in earning 10-12% interest (or w

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

atever you deem affordable for you and attractive to others) on investments secured with real estate. You’ll find these prospects everywhere. They belong to your local investors association, your church, your civic club, they’re your friends and fa

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

mily, your neighbor next door. You’ll be surprised how easily you’ll locate them, and soon, they’ll be searching you out. Just let everyone know that you pay high interest for their loans on your real estate projects.

As prospects express interest

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

explain that the investments are secured by real estate and do not exceed 75% loan-to-value (LTV) of the after repaired value of the home. Each investment is based on a specific property, and they can decline any property with which they are not co

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

mfortable. All you require is that they approve quickly (within 48 hours), and can fund within 7-10 days or less.

Once they have approved the investment, the funds are wired to the closing attorney to be held in escrow. After the closing, the lend

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

r will receive a Promissory Note from you (either personally, from your business entity, or both), a Deed To Secure Debt (mortgage) on the property, lenders’ title insurance, and listed as a mortgagee on the hazard insurance policy.

If no single i

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

nvestor can fund the entire investment, then piece several loans together by providing the largest investor with a first position mortgage, and each smaller investor a progressively subordinate (2nd, 3rd, etc.) mortgage. Typically, we pay an additi

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

nal percentage on the interest rate to entice investors who accept subordinate positions.

The advantages of private lending are that there is a minimal approval process, and so availability of funds is quick. You pay interest only, instead of also

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

incurring a loan origination fee commonly known as “points”. You are never constrained by arbitrary rules as to how many mortgages you can have in your name. In fact, none of these mortgages ever show up on your credit report. In turn, the private

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

lendor receives a higher interest rate with a very secure investment. Everyone wins!

Now you may be wondering how many people you know really have $75k -$100k -$150,000 just lying around ready to invest. More than you think - and most of them don

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

t even realize it! That’s because the money is tied up in their IRA’s which they believe can’t be accessed until retirement. That’s only half true. They can’t personally withdraw the money without suffering penalties; but they can invest their fund

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

s (and receive your interest tax-fr ee! if it's a ROTH IRA) if they rollover into a self-directing IRA.

A self-directed IRA is administered by a third party institution (we recommend Equity Trust Company in Ohio www.trustetc.com ) and allows the I

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

A owner to make decisions relative to the investment of the funds. In other words, the IRA owner can decide to use his IRA funds to make a real estate investment in your property. Most people do not even realize this as a possibility. They believe

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

their money must stay tied up in an IRA until retirement earning nominal interest. Imagine how thrilled they are when you provide this alternative! Imagine how much money is currently sitting in traditional IRA’s that you could tap into. There are

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ore funds available than you can use. Isn’t that a nice problem to have?

Since Equity Trust Company has all of the forms on their website, I ensure that making a loan is as simple as possible for my private lenders. I prepare all of the required d

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ocuments so all they have to do is sign and fax to Equity Trust. From that point on, the private lender has nothing else to do. Simple. Easy. Their next task is approving the payoff when the loan is re-paid. Because the loan process is so simple, a

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

d the interest rate so favorable, investors are always begging to re-invest. This truly is a bottomless pool of investment cash.

Don’t forget that if you have cash in an IRA, you can also increase the interest you’re earning by becoming a private

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

lender. You can not invest in any property or company in which you or your family have a vested interest, but you can invest in the projects of other investors which you know and trust. It’s a great way to leap frog your IRA.

Have a rich week,

Lo

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Dynasty Metals and Mining is reporting varying high-grade surface trenching results in the Cola district of the Dynasty Gold Project in Ecuador.

It can be difficult to know when to sell a stock. It can be even more difficult to know when to sell a winning stock.

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