As a lender, it is in your best interests to minimize risk and maximize return. We help you do this by using the funds you lend to purchase real estate in today’s market at pennies on the dollar. We thus avoid the high Loan-To-Value (LTV) ratios that banks and savings and loan institutions make on homes, which would raise the risk factor for all parties. Instead, we invest in properties at huge discounts, allowing you to lend at levels well below the market value of the property securing the loan. Your LTV, which is the ratio of the amount of money you lend to the value of the property after repairs are made, stays at or below 65%. This creates a cushion of at least 35% to protect you and your investment.