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2026-01-19	108.156.184.67 (ClassC)
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HTTP/1.1 200 OKContent-Type: text/htmlContent-Length: 10358Connection: keep-aliveDate: Sun, 25 Jan 2026 02:23:35 GMTLast-Modified: Sat, 26 Oct 2024 01:07:30 GMTETag: f9b0735e5b20eacdbc8ed30006ffdbe3Server: AmazonS3X-Cache: Miss from cloudfrontVia: 1.1 8bf233dd8a97bd754666b427b6d19d34.cloudfront.net (CloudFront)X-Amz-Cf-Pop: HIO52-P2X-Amz-Cf-Id: BwwCfUU9K85h5j8UITQ3B0_cenTfchaszca7Za5WQL7q-4HO_A8vAw

!DOCTYPE html>html langen>	head>        meta charsetUTF-8>		meta http-equivContent-Type contenttext/html; charsetUTF-8>        title>Get 12 Percent!/title>        meta contentwidthdevice-width, initial-scale1.0 nameviewport>        !-- Google Fonts -->        link hrefhttps://fonts.googleapis.com/css2?familyPoppins:wght@300;400;500;600;700;800;900&displayswap relstylesheet>        !-- Site Main Style sheet css -->        link hrefassets/css/style.css relstylesheet>        link hrefassets/css/responsive.css relstylesheet>	/head>    body>        !-- Preloader -->        div classpreloader preloader-deactivate>            div classloader>                div classshadow>/div>                div classbox>/div>            /div>        /div>        !-- End Preloader -->                !-- Page Wrapper Start -->        div classpage-wrapper>            !-- How it Works Section Start -->            div classworks-area section-padding>                div classcontainer>                    div classworks-info>                        img srcassets/img/Homebuyers2you-logo.png>                    /div>                /div>                div classcontainer>                    div classworks-info>                        h1>Private Lending Program Guide/h1>                        br>                        h2>HOW TO EARN 12% FIXED RETURNS SAFELY SECURED BY REAL ESTATE/h2>                        p>Presented by Homebuyers 2 You a hrefmailto:info@homebuyers2you.com>info@homebuyers2you.com/a>/p>                    /div>                /div>                div classcontainer>                    div classworks-info>                        br>                        h2>About This Guide/h2>                        p>This guide has been written by HOMEBUYERS 2 YOU with the intent of providing useful information, tips, and strategies to  individuals who are considering entering into  private lending transactions secured by real  estate. This guide assumes a basic level of understanding of the terms, processes and  documents involved with private lending  transactions./p>                        br>                        p>strong>DISCLAIMER/strong>: Please carefully consider investment objectives, risks, and associated costs or expenses before investing.  Real estate investments are not guaranteed or insured and past  performance is not a guarantee of future performance. Please ask questions and ask for more information before considering  any investment.                            We are not a law or tax firm, and we do not provide legal or tax advice.  Please consult professionals for these types of services. The materials in this guide should be used for general guidance and informational purposes only./p>                    /div>                /div>                div classcontainer>                    div classworks-info>                        br>                        h2>Investing Strategy/h2>                        p>We borrow private money over a 60 month term to purchase very low loan-to-value properties. We then sell houses, as-is, to lease option buyers who are interested in our owner-financing program. This provides instant profitability, and equity cushion in the case of further market downturn, and automatic wealth building./p>                    /div>                   /div>                div classcontainer>                    div classworks-info>                        br>                        h3>A Solution to the Housing Crisis/h3>                        p>Our company oﬀers homeownership programs to credit challenged buyers who cannot qualify for a bank loan on their own. This service allows families to become homeowners today when they could not have otherwise./p>                    /div>                   /div>                div classcontainer>                    div classworks-info>                         br>                        h2>Key Benefits/h2>                        p>How do you benefit from private money lending?/p>                    /div>                /div>                div classcontainer>                    div classworks-info>                        br>                        h3>Higher Returns/h3>                        p>We pay you 12% interest on your investment. Often, we borrow small chunks of cash to buy investment properties so there is less risk involved./p>                    /div>                /div>                div classcontainer>                    div classworks-info>                        br>                        h3>Fixed Rates/h3>                        p>Well give you an interest schedule showing  exactly how much youve earned at any given  time during the investment term. Even if the market fluctuates, your rate of return does not change./p>                    /div>                /div>                div classcontainer>                    div classworks-info>                        br>                        h2>Investing Strategy Explained/h2>                        ul>                            li>strong>Acquisition/strong> - We negotiate with a seller to purchase their home at a discount and begin our due diligence on the property./li>                            li>strong>Presentation/strong> - We send a New Opportunity Announcement to all our Private Lenders explaining the specifics of the deal including interest rate, term and our intentions for the property./li>                            li>strong>Commitment/strong> - The Real Estate Purchase Contract  is sent to title company.  The title search and the necessary documents are prepared.  If you decide the deal is right for you, you start making the necessary arrangements to have the funds delivered to the title company before the date of closing./li>                            li>strong>Funding/strong> - Your funds are wired or delivered directly to the title company and you are given a receipt for your deposit. You start earning interest that day./li>                            li>strong>Closing/strong> - The title company ensures that all documents needed to close the deal have been submitted by the seller, buyer, and private investor.  The transaction is recorded at the county recorders oﬀice and funds are disbursed. You will receive copies of the promissory note, mortgage, title insurance policy, and hazard insurance policy from the title company./li>                        /ul>                    /div>                /div>                div classcontainer>                    div classworks-info>                        br>                        h2>Frequently Asked Questions/h2>                        p>strong>Can I use my IRA or 401K to lend from?/strong>/p>                        p>Absolutely. In fact that is what some of my investors do. You must be in control over where your investments go from your IRA or 401k, and you can take any IRA or 401k that you own and roll it over into a self-directed IRA. There is no penalty for doing this because you are not taking a distribution, you are simply changing the Administrator to one that allows you to self-direct where the funds go. Doing it this way, you can make all of your gains tax deferred without counting on someone else to get you 8%-12% fixed returns day in and day out. Seek a custodial company that allows you to be in control of your investments./p>                        br>                        p>strong>Is Private Lending really a safe investment?/strong>/p>                        p>In my opinion it is much safer than the stock market because you have no ups and downs to worry about.  You might make money in the stock market one month or one year, and then get wiped out the next.  When its all said and done, most people get returns that barely keep up with inflation.  By investing in real estate, you wont be gambling on companies that you have no control over or know little about who is running them.  Your investment loans are safely secured by real estate. You will get fixed returns that never change, there are no fees or commissions, no early withdrawal penalties, and there will be large spreads or hedge factors of equity versus your investment.  Youll just need to use common sense and take a look at what the property is worth, whats owned and what youre lending.  Remember, you do not have to put all of your investment funds into real estate; but its a great place to get consistent, predictable and reliable returns./p>                    /div>                /div>                div classcontainer>                    div classworks-info>                        br>                        h2>About Me/h2>                        div classabout-info>                            div classabout-img>img srcassets/img/Sheri-Fayal.jpg altMy Photo>/div>                            div classabout-text>                            p>I am Sheri Fayal and have lived in Bend, OR since 2010. I am married to Ken of 37+ years. We have a granddaughter who is just the apple of our eyes and do not see her often enough!                                 I enjoy the outdoor activities of hiking, mtn. biking, and paddling on the many lakes and rivers of the Bend area./p>                            /div>                       /div>                       br>                       p>strong>A Solution to the Housing Crisis/strong>/p>                       p>I first became involved in real estate as an agent in 2018. Since then, I focus more on building my own real estate investing portfolio. Through the Slow Flip method, I am able to provide a solution to the housing affordability crisis one home at a time./p>                    /div>                /div>            /div>        /div>        !-- Page Wrapper End -->    /body>    /html>

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