Wealth Creation And Retirement Returns Through Real Estate
We offer real estate investment, partnership, and private lending opportunities big and small. Whether you're a full time professional or looking to create passive returns with cash flow, we have opportunities for you
Contact Us if you'd like to
- Receive a copy of recent cast studies
- Be included in our next investment opportunities
Our Strategies
Private Lending
Our private lenders fund the acquisition and rehab of single family houses and vacant land deals. They are provided the same protections that a bank or financial institution receives - a recorded 1st position Deed of Trust or Mortgage. Our lenders enjoy stabilized above-average returns with valuable real estate as collateral. This is a great strategy for supplemental passive income or as a full retirement strategy.
Partnership
We also create opportunities for equity participation - passive returns and capital appreciation. With larger asset acquisitions, we implement value-added strategies over longer project periods. Capital partners are co- owners in the entity.
How It Works
We email a lending opportunity overview to our active list of private lenders seeking new investment opportunities
Identify an opportunity whose terms and collateral are in line with your investment strategies (terms are flexible)
Closing docs, escrows, promissory notes, and mortgages are drafted and recorded with our closing attorneys. You will receive a Note and Mortgage made in your favor to secure your interest in the collateral
Monthly payments are electronically transferred to your accounts
As loan maturity approaches, you are either repaid in full or extension conditions are drafted
Case Studies
Boiling Springs SC
Purchase Price: $140,000
Private Lender Loan: $166,600
Rehab Cost: $25,000
Lender Loan To Value: 64%
Exit Type: Retail Sale
Lender Return: 12.1%
Sale Price: $255,000
Term: 5months
Fountain Inn SC
Purchase Price: $40,000
Private Lender Loan: $85,000
Rehab Cost: $39,000
Lender Loan To Value: 34%
Exit Type: Seller Finance Wrap
Lender Return: 10.0%
Sale Price: $250,000
Term: 48 months
Spartanburg SC
Purchase Price: $55,500
Private Lender Loan: $90,000
Rehab Total: $37,000
Lender Loan To value: 40%
Exit Type: Seller Finance Wrap
Lender Return: 10.9%
Sales Price: $225,000
Term: 60 months
Self Storage
Mooresville NC
Purchase Price: $1,300,000
Capital Partner: $200,000
Partner Equity: 30%
Partner Cash Flow: 30%
Partner Depreciation: 30%
Exit: Long Term Hold
Refinance Term: 3-5 yrs
2 MHP's
Salisbury NC
Purchase Price: $400,000
Capital Partners: $40,000
Partner Equity: 50%
Partner Cash Flow: 50%
100% Partner Capital Returned - 11 months
Exit: Sold for $590,000
First Time Lender FAQ's
Answers to Your Most Commonly Asked Questions
I don't have that much to invest. How much do I need to get started?
We have helped investor’s get started with as little as $6,000. Big or small, we have opportunities for you to participate in.
I want to get started, I'm nervous. What protection do I have to guard my interests?
As a private lender, you are protected in the same ways that a bank is protected - With a Promissory Note and recorded mortgage. The property is pledged as collateral and spelled out in those documents.
In addition, our deals are underwritten using conservative Loan-To-Value considerations when making the loan. In a number of instances, our rehabbed houses create LTV’s in the range of 40-65% - in other words, the market would have to decrease 45%-60% before the deal is “under water”
What kind of return can I reasonably expect?
Between 8-15% annually, depending on your goal and timeframe
Why would I choose private lending over mutual funds or the stock market?
Our private lenders prefer the “real feel” of real estate versus the stock market. They’ve lived through a few stock market bottoms and have watched their nest egg dwindle away. Rather than endure the volatility, fees, and lack of custodian accountability, they have taken full control over their financial future.
No more anxiety over what the Dow Jones is doing or worrying over mutual fund selections. You can plan and navigate life knowing what your returns will be.
With real estate, real collateral is protected with conservative Loan-To-Value considerations when making the loan. In a number of instances, our rehabbed houses create LTV’s in the range of 40-65% - in other words, the market would have to decrease 45%-60% before the deal is “under water”
How can I make sure this legit? Can I speak to your other certified customers / lenders?
Absolutely - we’d be happy to connect you with a few of our satisfied clients that can speak with you.
I don't know anything about Real Estate. Do you take care of the entire process?
We’d be happy to jump on a no-obligation call and answer your questions up front. We lead the process from start to finish and keep you up to speed the entire way.
What is the timeframe for doing a loan? How quickly do I get paid?
Loan time frames are typically in the 12 month to 48 month timeframes. All interest payments are made on a monthly basis.
How do taxes and accounting works?
Depending on the entity or structure of how you are lending, our accountants will issue a 1099-INT at the end of each tax year.
What type of accounts can be used for private lending? Can I really use an existing retirement account?
Our investors use a mix of private funds from personal bank accounts, self directed retirement accounts, and Roth IRA's
Let's Connect and Discuss Your Real Estate Needs
We are confident that we can provide you with the guidance, support, and expertise necessary to make your real estate investment journey a success. Let's connect today and get started!
About Us
App Mountain Capital Group was started in 2019 with the purpose of creating cash flow and yield opportunities for passive investors. We know that our private lenders and investors are the lifeblood of the business and we don’t take these responsibilities lightly - we are committed to providing our partners with the best possible experience and to help to fund their lifestyle, retirement, and investing goals.
Our investment portfolio contains Commercial Self Storage, Mobile Home Parks, SFR rental properties, vacant land, and a number of seller financed promissory notes. Income, cash flow, and yield are created by pursuing value add opportunities and then doing the work necessary to convert them into stabilized assets - ranging from mismanaged self storage to rehabbing single family homes. Since 2015, we have bought, sold, or continue to hold over 100 properties, many of which were funded by our private lenders. Over the course of that time, we have built relationships with numerous investors who enjoy the secure returns of real estate, but don’t have the time or energy for the boots-on-the-ground hustle that active real estate investing requires.
Jay has been investing in real estate since 2015. Prior to that, he earned a Master’s Degree in Mechanical Engineering from the Rochester Institute of Technology. From there, he spent 11+ years in the automotive industry managing projects, developing new products, and generating intellectual property.In addition to real estate related activity, Jay is an author, conference speaker, inventor, and avid mountain biker