Our investment company is Verity Investments LLC (a Colorado Limited Liability Company), which holds the copyright on the intellectual property that is published by Ultimate Bargains LLC. Verity Investments LLC provides private consultation on real estate investments, time value of money (leveraging cash flows for high yields with manageable risk), and wealth creation.
Ultimate Bargains LLC (a Colorado Limited Liability Company) is the publishing company for our educational content and information products for real estate investing, time value of money, and wealth creation.
Elite Wholesale Properties is the website for our wholesaling department of Verity Investments LLC.
Smith Syndication is the website for our syndication department of Verity Investments LLC.
Starfury Capital Management is the website for our private financing affiliate LLC that specializes in syndicating private lending opportunities secured by hypothecated 1st position lien trust deeds.
Ruby Road Properties is the website for Commercial and Residential real estate. We solicit inquiries from interested sellers and buyers of real estate.
If you are a wealthy individual who is interested in our consultation services, or learning about our investment opportunities, then please review the following criteria to determine whether you qualify as an accredited investor, according to the Securities and Exchange Commission (SEC) under Regulation D Rule 506.
Accredited Investor Qualification: (you must meet at least one of these criteria)
- I received an individual income in excess of $200,000 in each of the two most recent years and reasonably expect an individual income in excess of $200,000 in the current year.
- My spouse and I received joint income in excess of $300,000 in each of the two most recent past years and we reasonably expect joint income in excess of $300,000 in the current year.
- I have an individual net worth or joint net worth with my spouse in excess of $1,000,000, excluding my net equity in my primary residence and excluding any secured debt above the fair market value of my pledged collateral.
If you satisfy at least one of the above criteria, then you are an accredited investor. If you are not yet an accredited investor and believe that you may qualify as a sophisticated investor, then please read our sophisticated investor page.
Who Can Participate in Syndications?
We can offer very good returns for our private financiers with a choice of debt or equity, and a choice of senior, preferred or common tranche. For example, a 1st position private lender can earn an annual yield of 10% secured by a Loan to Value (LTV) of 65% to 70%. A 2nd position preferred equity can earn an annual yield of 15% with an LTV of 20% to 25%. A 3rd position common equity member can earn annual yield of 20% with an Equity to Value (ETV) of 10% to 15%.
Our residential property projects require from $50,000 up to about $250,000 each, which we can split into multiple tranches as described above.
Our commercial property projects require from $250,000 up to about $2,500,000 each, which we can split into multiple tranches as described above. If we retain 3rd party hard money or institutional equity financing, then our private financiers will also qualify for that financing. The subject property is the primary qualifier.
We try to structure the financing with equity membership units priced each at least $25,000. We also try to structure fractionalized trust deeds (private lending) so that the lenders all share the same tranche position as co-holders of the note and security instrument, with minimum increments of $25,000. The co-holders may participate as Pari Passu or as prioritized participants. Loans are non-recourse with only the subject property as security for the debt.
Each project and property is different, with its own set of challenges and opportunities. You will know everything that we know about each project and property, so that you can make a fully informed decision.
We can accommodate Self-Directed Individual Retirement Account (SD-IRA) funds. Your retirement funds grow at an accelerated rate and can be secured by a hypothecated lien on the subject property.
Suppose you invest “100” today and a year from now you pull out “130” and you still own the property with net positive cash flow, and the “130” is tax free because it is a refinance loan. You could roll that “130” into the next project and quickly grow your net worth, all backed by solid real estate. Is that an investment that fits your criteria?
We are always looking to build our list of private financiers. We want to work together with you to grow the pie and increase prosperity for society.
If you wish to work with us as a private financier, either as a lender or equity member, then please download our Sophisticated Investor Questionnaire and complete it with the assistance of your attorney or accountant. Return it to us with the contact information of your attorney or accountant, so we can review the information with our attorneys to determine whether and how you can work with us.
Please provide the requested information in the form below to receive more information about our consulting services and investment opportunities. Your contact information will remain strictly confidential.
[contact-form 2 “Wealth Creation Inquiry”]