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Investment
Opportunities
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GOT
AN IRA or 401K that
isn't producing a minimum of a
10% return annually, we can help! |
Trust Deed Investments
South Pointe Equities LLC offers
high-yield trust deed investments (9.0%) to private individuals,
corporations, pension plans, 401Ks, retirement funds, IRAs, Roth
IRAs, and Self-Directed IRAs accounts.
When you invest in a trust deed, you become the
bank and we act as the property asset manager  for
your investment. More specifically, you become a private money
source for our real estate investments with safe and insured returns.
While we’ve funded up to $1 million dollars
on individual property deeds, our investments typically target
first-time buyer inventory and our trust deed amounts range from
$30,000 to $350,000. With South Pointe Equities LLC acting as
your broker of choice, we save you time, money, and effort by
leveraging our professional network and reputation to bring you
these high-yield lending opportunities.
Key Investment Factors
- Security - Investors have
security that each property is insured with fire and hazard
insurance for protection.
- 1st Trust Deeds Only - Our
investors are the only holder of the note and in first position.
- Funds - Investment
funds are secured not only with a recorded deed but with a notarized
promissory note outlining the terms of your specific investment.
- Yield – Our returns
are not only safe and secure but provide investors much higher
rates of return versus today’s CDs, Savings accounts,
or Mutual Funds.
- Property - South Pointe
Equities LLC only invests in single-family homes and units (1-4)
to a very specific renter.
| Frequently Asked Questions About Trust
Deed Investing |
1. What is a trust deed investor?
A trust deed investor is a person
seeking a competitive rate of return on their investment.
Trust deed investing is the loaning of money with real estate
as collateral. Loans are secured by real property. A trust
deed investor makes a higher interest yield than would typically
be obtained by a regular bank and is secured by the borrower’s
equity in the real estate transaction.
2. How much money do I need to start?
South Pointe Equities LLC is actively
seeking private money sources with at least $10,000 to start.
3. Can I use IRA funds?
Yes. South Pointe Equities LLC actively
places funds from IRAs, Self Directed IRAs, Roth IRAs and
several other retirement accounts. Trust deed investing
is a fantastic way to diversify your retirement portfolio
and to leverage these types of accounts. However, please
contact your plan representative as all IRAs have different
rules and regulations.
4. What’s the typical property you loan on?
Our 9% trust deed investment with
a 1-5 year term focuses on single family, non-owner occupied
homes that are typically in disrepair and will be fixed
and resold to a retail buyer as well as single family, non-owner
occupied homes that have been fixed and rented by an investor.
5. What is the yield?
Annualized yield will depend on the
length and type of individual investment you choose and
the availability of a property for rollover. We can discuss
specific options with you at the time of your investment.
Some investments last for three months with our PROJECT
INVESTMENTS and some last for several years with our IRA
or TRUST DEED INVESTMENTS depending on the program you choose.
In our PROJECT INVESTMENTS program you can typically earn
around 9%-16% return depending on the scope of work needed
to rehab the property and the money then becomes available
for rollover to another property if available or you have
the option to invest in our 9% fixed trust deed program,
investors will see a 9% return annually because of the agreed
investment term on the loan at the time you invest.
6. Do you pool my money with other investors?
South Pointe Equities LLC does typically
pool funds on our short rehab projects. For our 9% trust
deed program South Pointe Equities LLC places one trustee
per investment property giving our trustee more control
over their investment.
7. Is it safe?
Every investment has risk. However,
unlike many other investment vehicles, trust deed investing
with South Pointe Equities LLC ensures you own a first trust
deed on a specific property. This means you have ultimate
control and a physical asset that can be sold or rented
out.
8. Where can I find more information about trust deed investments in California?
The California Department of Real
Estate has entire documents you can read on the subject.
Click here
for Trust Deed Info, click here
for California Usury Info.
9. Who can invest in trust deeds?
Private individuals, corporations,
pension plans, 401Ks, custodianships, LLCs, retirement funds,
IRAs, Roth IRAs, Self-Directed IRAs, and SEP accounts. Some
retirement amounts have limits so please check with your
custodian or agent.
10. Do you require fire insurance on the property?
Yes. Not only do we require fire insurance
but we require the investor inform the insurance company
that the property is vacant. We require coverage in the
amount of the loan or replacement guarantee.
11. Will I be given a complete profile on the property?
By the time
we present the property for funding, we’ve already
had an independent appraisal done on the property. We’ll
send to you a copy of that appraisal along with the address
for you to view the property.
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IRA
Investments
Retirement Investment - Use Your IRA
to Invest In Real Estate
You want to retire comfortably? Don't we all...
The government encourages us to save for retirement, especially
by investing or saving in, among other things, Individual Retirement
Accounts, or "IRA's".
Wall Street's Perspective
Wall Street investment firms will always encourage you to invest
through an IRA. And they're right - IRAs can be one of the best
vehicles for investment, especially given their tax-favored nature.
Unfortunately, few of these firms will tell you about the "Self-Directed
IRA". This allows you to choose
where you want to invest. The government will not allow you to
put some investments into your IRA - but there are lots of investments
that the government will allow... Here's the truth:
"Your
help with using my IRA to invest is amazing, with your
assistance I can now invest in Real Estate at the perfect
time."
--R.G. (Real Estate Broker, Investor) |
You CAN invest in real estate through an IRA,
but probably not through the one you already have! We can assist
you with setting up your self-directed IRA today.
You must have a "self-directed" IRA
in order to invest in real estate using your IRA. With this IRA,
you can defer your tax payments, or even pay no taxes at all on
 your
investments.You can invest in the following types of real estate
through a "self-directed" IRA:
- Single-family homes
- Apartments
- Mobile Homes
- Commercial Property
- Raw land
- Real estate notes
- Mortgages
- Tax liens
As always, remember, we're not your attorney
or tax advisor. We suggest that you check with them about any
investments you may be thinking about making. We offer several
IRA investment plans that allow you to place your money where
you feel the most comfortable and secure that investment with
real property that is insured.
| Frequently Asked Questions About IRA Investments
|
1. What is an IRA?
An Individual Retirement Arrangement (or
IRA) is a retirement plan account that provides some tax advantages
for retirement savings in the United States.
2. What is a self-directed IRA?
A Self-Directed Individual Retirement Account
is an IRA that allows the account owner to make investment decisions
and investments on behalf of the retirement plan.
3. What is an allowable investment?
Allowable investments at uDirect IRA Services include the following:
- Residential real estate,
including: apartments, single family homes, and duplexes
- Commercial real estate
- Undeveloped or raw
land
- Real estate notes (mortgages
and deeds of trusts)
- Life Settlements
- Promissory notes
- Private limited partnerships,
limited liability companies, and C corporations
- Tax lien certificates
- Foreign currencies
- Oil and gas investments
- Publicly traded stocks,
bonds, mutual funds (see our Brokerage Information)
- Private stock offerings,
private placements
- Judgments/structured
settlements
000000"> Gold bullion
Car paper
Factoring investments
Accounts receivable
Equipment leasing
4. What investments cannot be made?
Following the rules set forth by the IRS
will protect against the loss of the tax-deferred status of your
account.
The following comes from IRS Publication 590:
"Prohibited
Transactions"
Generally, a prohibited
transaction is any improper use of your traditional IRA account
or annuity by you, your beneficiary, or any disqualified person.
Disqualified persons
include your fiduciary and members of your family (spouse, ancestor,
lineal descendant, and any spouse of a lineal descendant).
The following
are examples of prohibited transactions with a traditional IRA:
- Borrowing money
from it.
- Selling property
to it.
- Receiving unreasonable
compensation for managing it.
- Using it as security
for a loan.
- Buying property
for personal use (present or future) with IRA funds.
IRS Publications
The following is a list of relevant IRS publications regarding
IRAs:
5. What is a real estate IRA?
"Real estate IRA" is
a term used to describe a real estate investment(s) in a self-directed
IRA or 401(k). With a real estate IRA, you can earn tax-free/tax-deferred
returns on your real estate investments.
6. What types of real estate IRA investments are allowed?
The following is a partial list:
- Raw land
- Single-family
homes
- Commercial property
- Apartments
- Duplexes
- Condos/townhomes
- Mobile homes
- Real estate notes
- Second mortgages
- Partial notes
- Real estate purchase
options]
- Tax Lien Certificate
7. What investments are not allowed?
The following rules govern investments in a real estate IRA:
- Your IRA Cannot
Purchase Property Owned by You or a Disqualified Person
- You Cannot Have
"Indirect Benefits" from Property Owned by Your Self-Directed
IRA
- Real Estate IRA
Investments Are Uniquely Titled
- IRA Investments
that Use Financing Must Pay UBIT
- Real Estate IRA
Expenses Must Be Paid from Your IR
- Real Estate IRA
Income Must Return to Your IRA
8. What is a 401(k)?
The 401(k) is an employer-sponsored retirement
plan under section 401(k) of the Internal Revenue Code. A 401(k)
plan allows a worker to save for retirement while deferring income
taxes on the saved money and earnings until withdrawal.
9. What is a self-directed 401(k)?
A self-directed 401(k) is technically no
different than any other 401(k) or IRA. It's unique because of
the available investment options. Most custodians only allow approved
stocks, bonds, mutual funds and CDs. A truly self directed IRA/401(k)
custodian, such as Equity Trust, allows those types of investments
PLUS real estate, notes, private placements, tax lien certificates
and much more.
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 Project
Investments
Take the ride along side us on the re-development....
you can invest project by project and see a higher than average
return on your invested capital.
This option allows you to invest an amount you
are comfortable with on any or all of our individual residential
projects. This allows you to pick and choose which projects you
want to join and roll over your investments as you see fit.
Insiders Perspective
We want to offer a variety of options for investors
looking to secure their capital in safe deals that are individually
insured with fire insurance and individually secured with physical
property deeds. You can not get insurance on your stock market
investments nor with Savings Accounts, CDs, Mutual Funds, and
bonds in case there is a loss. With OUR investments everyone's
secure with a real property deed and property insurance.
"You make it so
easy to invest and the returns have been much better than
I can get with any CD, Savings Account, or in my Stock
Portfolio."
--Ted J. (Investor) |
You CAN invest in real estate through our real
property project investments at a time that you choose. We will
cover our projections with you and let you make the choice. We
focus on vacant, single-family homes. We offer new investors a
3% annualized return  guarantee.
That's a higher rate of return than most standard investments
today not to mentioned that you are Guaranteed
a return on your investment of at least 3% annualized. We want
you to feel comfortable and make an informed decision. Here are
a few examples of deals we evaluate in order to find the best
possible properties for ourselves and our investors:
- REO's (Real Estate Owned)
- Short Sales
- Subject to deals
- Seller Financed
- Auctions
- Standard Sales
- Trustee Sales
- Estate Sales
- Tax Auctions
Please feel free to contact us with any questions
you may have. We are here to assist you however we can, for more
information on our Project Investments please
contact our office at 951-676-2773.
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