DBA, Persevering Capital

03/26/2024

Mortgage rates are sky rocketing. Many people could benefit from using seller financing to sell their homes by expanding their buyer options.

01/29/2024

Private lending, while offering flexibility and quicker approval processes, also comes with certain risks for both borrowers and lenders¹:

**Risks to Borrowers**:
- **Higher Interest Rates**: Private loans typically have higher interest rates than traditional loans¹.
- **Shorter Repayment Periods**: Private loans often have shorter repayment periods, which can put pressure on the borrower to repay the loan quickly¹.

**Risks to Lenders**:
- **Credit Risk**: Since private lenders focus more on the value of the property being used as collateral and the overall deal potential rather than the borrower’s credit score or income history, there's a risk that the borrower may default on the loan¹.
- **Market Risk**: Changes in the real estate market can affect the value of the property used as collateral. If the market declines, the property may not sell for enough to cover the loan amount¹.

It's important for both borrowers and lenders to thoroughly understand these risks before engaging in private lending¹.

While private credit investing can provide excellent returns, it is a very complex and risky investment opportunity.

01/26/2024

Investing in real estate notes with your IRA

If you are looking for a way to diversify your retirement portfolio and generate passive income, you may want to consider investing in real estate notes with your IRA. Real estate notes are debt instruments secured by real property, such as mortgages, deeds of trust, or land contracts. They can offer higher returns than traditional investments, as well as tax advantages and protection from market volatility.

Why invest in real estate notes with your IRA?

- Higher returns: Real estate notes can provide higher yields than traditional investments, especially if you buy non-performing notes at a discount and negotiate a favorable outcome with the borrower, such as a loan modification, a short sale, or a deed in lieu of foreclosure. You can also earn higher returns by buying performing notes that have a higher interest rate than the current market rate.
- Tax advantages: If you use a self-directed IRA to invest in real estate notes, you can enjoy tax-deferred or tax-free growth of your earnings, depending on whether you have a traditional or a Roth IRA. You can also avoid paying capital gains tax or income tax on the profits from selling or collecting payments from the notes.
- Diversification: Real estate notes can help you diversify your portfolio and reduce your exposure to market fluctuations. Unlike stocks or bonds, real estate notes are not correlated to the stock market or the economy. They are based on individual properties and borrowers, which can have different characteristics and performance.
- Control: Investing in real estate notes with your IRA gives you more control over your investment decisions and strategies. You can choose which notes to buy, how much to pay for them, how to manage them, and when to sell them. You can also leverage your expertise and network in the real estate industry to find and evaluate opportunities.

10/13/2023

Don't be worried....it's only Friday the 13th. There's nothing to fear, but fear itself.

08/08/2023

What is Seller Financing?
When a seller allows a buyer to make payments over time to purchase property, it is known as owner financing or seller financing. This private financing by the seller can replace a bank loan or be in addition to a conventional mortgage. Find out more: https://ow.ly/S97l50PvfHz

08/08/2023

Compounding Interest and Note Investing
Note investing is an excellent source of passive income.
One of the reasons for this is a little thing called compounding interest.
But, in many cases, it’s not so little. Compound interest makes your investments grow and grow and grow… Especially when it comes to compounding interest and note investing.

07/19/2023

Disadvantages to Owner Financing: While my business model is premised based on using Owner or Seller Financing, there are, believe it or not, some disadvantages. You can read about them here in this article: https://ow.ly/UALc50PgCLP

07/18/2023

The recently deceased successful investor Sam Zelle when asked how he was so successful for so long, said that we always buy below Replacement Cost. This goes to show that 💲is made on the buy.

07/18/2023

Are you looking for an investment opportunity that can make a real difference in people’s lives?

At Persevering Capital, we specialize in helping homebuyers secure affordable housing through our Private and seller financed mortgages. Our primary goal is to provide our clients with the best possible financing solutions so they can enjoy the security and peace of mind that comes with owning a home.

Our mission is to make real estate more accessible to everyone, regardless of their financial situation. We work with our clients to develop creative solutions so that homeownership is possible for everyone.

Invest with us and help create affordable housing. Take advantage of our Private and Seller Financed mortgages and be part of something bigger – creating a world where everyone has access to the American dream.

07/17/2023

It's time to make a change! 💪 The latest # ATTOM 2023 U.S. Home Affordability Report shows median-priced single-family homes and condos are less affordable now in 98% of counties than their historical average. This trend began in early 2022, so now is the time to take action and create a more affordable future for everyone! # AffordableHousing

07/03/2023

An investment in notes perseveres in ALL economic conditions. If you would like to see consistent higher returns, then contact me: 724-456-3320 or get a complimentary quote: www.perseveringcapital.com/free-quote-and-note-analysis

06/19/2023

Contact us directly on WhatsApp to get your questions about Private and Seller Financed Mortgages answered