Castle Investment: High Yield Monthly Income Available

Investment Summary


1. PORTFOLIO: The current size of the portfolio is $7.5 million. We seek to double the size of the portfolio. As the size of the portfolio increases we will be able to increase your monthly income.
2. YIELD: This investment means regular monthly income to you. Your monthly income is paid prior to any compensation payment to management. It is guaranteed by over $3,500,000 of the founder's own capital. Your monthly income is not dependent upon loan portfolio performance. Your monthly income is guaranteed by the invested capital of the principals which totals $3.0 million.
3. SAFETY: Castle Commercial Mortgage, Co has been funded by $3,500,000 of the founder's capital. Investors will receive a preferred 8% per year monthly income on their investment before management receives any incentive compensation. Average annual high yield on portfolio has substantially exceeded 12%. Books and records of CCM will be open for inspection by the investors during regular business hours. Company financials will be mailed monthly.
4. LIQUIDITY: CCM writes its mortgages on the term of between 1 month and one year. Therefore, Investors must give CCM 30 day notice of their desire to liquidate and receive return of their funds. Investors will receive a minimum of $100,000 per month return of capital upon request.
5. LOAD: No commission is being paid to any person for the capital raised.
6. BUSINESS PLAN: The Colorado Real Estate market is recovering fast. CCM makes small commercial loans secured by 1st deed of trust on Colorado real estate. These are special circumstance loans which require fast funding, repair or remodel of collateral, or extend the borrower beyond available bank financing. We do not make consumer loans. We have 20 years of experience in this business. Over the last five years return on capital has been in excess of 15% per year. Current loan portfolio totals approximately $7.5M. Our demand for loans exceeds our ability to fund; we are seeking outside investors to participate in the commercial lending business. Monthly payments are made to Investors.
7. RISK FACTORS: We do our own underwriting. That's right: we are not buying mortgages written by someone else. We originate and underwrite every loan. This is essential to mitigating risk. Because every parcel of real estate is unique mortgage loans must be eveluated in micro terms not in macro terms. This risk mitigation is one of the services that we provide to our investors. What investment advisor do you know that does detailed risk analysis on each transaction? What other investment advisor puts their own money into every deal? Risk factors are those associated with any credit transaction, to wit: decline in value of the collateral due to market or casualty and inability of the borrowers to meet payment obligations. Confidence in the short and mid-term health of the Colorado economy is a prerequisite for this investment.
8. PRINCIPALS: Steven W. Hickox, President, Christopher T. Sayre, VP of Finance.
9. MINIMUM INVESTMENT: $50,000.00.