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John murray version 3 14



SELF-DIRECTED
PropertyNotes
One
Path
息NoteSchool 2012
1,000
Eddie Speed
P.O. Box 1234
South Lake, TX
John Eddie Owes
$1,000
Check Cashing Service
John Murray 1,000
Ownership
Deed
Mortgage
NOTE
John murray version 3 14
What Determines Notes Value?
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Good Payment Record
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Bad Payment Record
Re-Performing Note Cost 60% - 80%
Non-Performing Note Cost 10% - 40%
John murray version 3 14
Source: NAR National Address
2013
Cash Buyers
John murray version 3 14
John murray version 3 14
John murray version 3 14
John murray version 3 14
John murray version 3 14
John murray version 3 14
REAL ESTATE
As-Is Value of Collateral
EstablishAs-ISValue
Investment to Value Ratio = 85%
Investment to Value Ratio = 20%
John murray version 3 14
John murray version 3 14
John murray version 3 14
John murray version 3 14
John murray version 3 14
Property:
Memphis, TN
Current Market Value:
$200,000
Re-Performing
Note
Non-Performing
Note
Non-Performing
Note
Eddies
ROTH IRA
Account
Bank Sells loans
to Hedge Fund
Non-Perfoming
Note
Non-Perfoming
Note
Profits from Note grow Tax-
free inside Roth IRA
271 pmts
Negotiated Price for Entire Note of $105,000
$160,316 @ 6% Pmt / $1,081 271 Mos Remain
Buys 271 Pmts
Note Amortization Schedule
Fund$105,000
Note bought for $55,316 discount
Note Interest Rate = 6%
Yield = 12.15%
$160,316 Balance
$55,316
John murray version 3 14
271 pmts
Negotiated Price for Entire Note of $105,000
$160,316 @ 6% Pmt / $1,081 271 Mos Remain
Buys 271 Pmts
Note Amortization Schedule
Fund$105,000
Note bought for $55,316 discount
Note Interest Rate = 6%
Yield = 12.15%
$160,316 Balance
$55,316




Mortgage
NOTE
John murray version 3 14
HouseValue$200,000
Cost of Note
IRA Invested
$105,000
52% ITV
John murray version 3 14
John murray version 3 14
Non-Performing Notes
Modify Deed in Lieu Foreclosure
40% 40% 20%
息NoteSchool 2013
Non-Performing Notes
Modify Deed in Lieu Foreclosure
40% 40% 20%
息NoteSchool 2013
John murray version 3 14
Mortgage
NOTE
Mortgage
NOTE
Mortgage
NOTE
Mortgage
NOTE
Mortgage
NOTE
REAL ESTATE
EstablishAs-ISValue
Investment to Value Ratio = 50%
Investment to Value Ratio = 20%
John murray version 3 14
John murray version 3 14




Mortgage
NOTE
John murray version 3 14
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John murray version 3 14