Private Lending with
Jamie & Nathan

We created this website to help 
you understand more about 
Private Money Lending 
with our company, Wolf Tide Homes. This is a great resource to learn 
more about what we do. 
Watch the video and then 
fill out the form below. 

Get Connected with Jamie & Nathan

Interested in becoming a 
Private Lender with us? 
Please complete the form  

NEW LENDING OPPORTUNITIES

Our deals get funded fast! Check out our latest available opportunities...

New! Ravenscroft Rd, West Columbia, SC!
Just Posted 6/24/24!

Fix and Flip loan opportunity on a single family residence in a family neighborhood.. This $174,000 loan is secured by a property with an After Repair Value of $215,000. 

Annualized interest rate of 12-14% and up to 2 points. 

Estimated hold time 6 months. 

Closing Date 07.15.24

Email: Jamie.Wolf@WolfTideHomes.com

Lee Street, Columbia, SC
6/20/22 (currently closed)

BRRR loan opportunity on a single family residence dripping in charm and character located walking distance to USC and Five Points in rapidly appreciating area by Devine. This $268,800 loan is secured by a property with an After Repair Value of $421,000 and current equity of $153,000. Annual rent of $37,000, a cap rate of 9.1%, and an ROI of 8.6%. Low vacancy with 2-yr leases signed by parents of students.

Annualized interest rate of 10-14% and up to 2 points. 

Estimated hold time 3 months. 

Opportunity Closed. Investors were made whole + interest with DSCR loan to hold the property (which will be paid in full in 2031.) 

Email: Jamie.Wolf@WolfTideHomes.com

Who Can Be A Lender? 
Here are some examples...

Real Estate Agents

Real estate agents really win as lenders. They find us deals and then fund them. They makes commission on the purchase as the Buyer's Agent, fund the deal and make 12% annualized interest while we renovate the property, and then make a second commission as our listing agent when we sell the property. They make money THREE  ways! 

You - when you have a Self-Directed Retirement Fund or IRA

Many lenders use self directed retirement plans, such as an IRA or 401Ks from prior employers to become a private money lender.   With the help of a licensed professional you are able to take your old "Forgotten" 401k plans and roll them over into a Self Directed IRA. Companies estimate that there is roughly $1.25 Trillion  (!!) in "Forgotten" 401k plans. Roughly 2.8 million plans are left behind every year. If you think you may have one or more of these accounts,  we can refer you to a Certified Self-Directed IRA Professional who can help you get set up so you can begin making the money work for you!

You - when you are someone who just wants to make money with your money

Anyone can be a private lender: school teachers, busy professionals, retired veterans, musicians, other real estate investors, contractors, and more. The current economic environment is unpredictable so it makes sense to look for a variety of ways to make your money work for you. Inflation is high. Money in a savings account earning 1% is losing to inflation. Plus, unlike the stock market, private lending is secured by real estate. When working with a team like ours, lenders get to pick the deals that they want to fund. The lender is in complete control of their money. We love presenting win-win opportunities to anyone with a desire to do better . Our goal is to build relationships so that our private money lenders benefit once and want to do so again and again!

How Does Private Lending Work?

Private money lending is a billion dollar industry. Yet, not a lot of people have heard about it. Why is that? Well, banks don't want you to do what they do! Banks and financial advisors like to control our money; not the other way around. Private money lending allows a person to take control of their financial future. 

When someone becomes a private money lender with Revive Homes LLC not only are they making great interest on their loan but the loan is also secured by collateral (real estate). That collateral is worth a lot more than a persons loan amount. 

The loan is secured because we provide our lenders with a Mortgage or Deed of Trust (just like a bank would want). We also provide them with a Promissory Note that outlines the terms of the loan and we provide a personal guarantee. Plus, we list our lenders on the insurance as the loss payee (just like a bank would want).  

WE PROVIDE OUR LENDERS WITH:

1. Mortgage 
2. Promissory Note
3. Personal Guarantee
4. Lender is listed on the insurance as the loss payee

WE WORK WITH LICENSED BUSINESS PROFESSIONALS

The mortgage and promissory notes are drawn up by our legal team. Real estate closings in South Carolina are done with an Attorney. All of our lenders have the ability to review their mortgage and note prior to wiring funds. All funds are wired to the closing attorney. At no point will Wolf Tide Homes LLC or its managers ask for funds to be directly wired to the company.

What rates do we pay?

We pay anywhere from an 8-12% Annualized rate of return for shorter term loans (6 months or less). Each opportunity is different. We love to help our lenders reach double digits.

Next Steps?

Fill out the form above and we will contact you directly to see if we are a good fit for each other. 

Private lending is relationship based. What keeps most people from jumping into private lending is not knowing to whom to lend their money. We feel as though our team at Wolf Tide Homes can provide future lenders with consistent opportunities, an honest track record, and a great lending experience.

What to Expect as a Lender to Wolf Tide Homes...

>> Our goal is to provide all of our lenders with a great experience.
 
>> We sit down with you in person, virtually, or over the phone and outline how private lending works. We will cover how we keep our lenders safe, share with you our specific buying criteria, and answer any questions you may have. 
 
>> If we have a lending opportunity available right away, we will present that opportunity during our initial discussion. If we don’t have an opportunity right away for you to lend on we will set up a follow up system.
 
>> Once there is a mutual desire to move forward on a project we will iron out the interest rates, terms of the loan, and when you’d like to receive your interest payments.
 
>> Our company will introduce you to our real estate attorney who will draft the mortgage or deed of trust, promissory note, and personal guarantee. Our team will contact our insurance agent to also make sure that you are listed on the insurance. 
 
>> You will have time to review all drafted documents.
 
>> All funds are wired to the real estate attorney or title company who is handling the real estate closing. After the closing your mortgage will be recorded by the attorney and you will receive the original signed copy of the Promissory Note in the mail.
 
>> Our team keeps you updated on the progress of the project at the frequency of your choosing.

>> Once the house you funded is under contract to be sold or refinanced we will notify you. We will help you calculate the payoff and guide you through the logistics of communicating with the new closing attorney on how you would like to receive your payoff.
 
>> Once funds are wired back to the lender, we can start the process of doing it all over again. Our goal is to have your money working for you continuously.

MEET THE TEAM!

Jamie Wolf, MBA, NAR is skilled in the areas of founding, funding, and growing companies, digital marketing and publishing, economic development, and bridging the gap between entrepreneurs and investors. From past successful endeavors, she knows to surround herself with skilled and experienced experts and carefully assemble a highly motivated, knowledgeable, ethical, and resourceful team.  Jamie holds an MBA from Arizona State University and is a licensed real estate salesperson in South Carolina. 

Nathan is forever a Gamecock! He is experienced in Commercial Real Estate, Sales and Acquisitions  and Property Management. He acquired his first rental property at 22. He’s also an avid golfer so hit him up when you need a 4th for your charity golf events!
We are a boutique real estate investment company. We buy distressed real estate at a discount and add value to those properties through renovations and/or proper property management. Our company has a very strict buying criteria that includes but is not limited to area, school district, size of the home, condition, equity in the deal, demand, comparable sales, and comparable rents. We believe that our strict buying criteria is what makes our lending opportunities attractive. Our team collectively has close to 100 years of experience in real estate law, systems & operations, rehab and repair, and sales and together we work swiftly, with integrity and respect for our stakeholders, including each other, our vendors and partners, and our clients and investors. We focus our investing in the Greater Columbia MSA based on data. That data supports that the SE United States is experiencing strong growth and investment opportunities. Columbia is home to the State’s Capital; to USC, the #1 rated public university in the country with roughly 40K students and a 17% growth rate in the last year; to Fort Jackson, the Army’s primary training facility in the US; and to almost 40K employees who work in healthcare thanks to Prisma Health, BCBS, and other health care providers. Columbia benefits from sitting in a growing corridor between Charlotte, NC, and Atlanta, GA, opportunity zones, relatively low taxes, a relatively moderate climate, and an educated workforce. We invite you to partner with our team and grow your money!

Disclaimer

  • This information is not to be interpreted as financial or legal advice.
  • ​Always seek out legal counsel in regards to drafting legal documents such as a promissory note and mortgage/deed of trust
  • ​Understanding WHO you are lending to and WHAT you are lending money for is critical
  • ​Never wire funds directly to a borrower. Funds should always be wired to a closing attorney or title company
  • ​Always ask to review the HUD or Closing Statements
  • ​Inspect what you expect. Borrowers should always provide lenders with a market analysis  done by a professional real estate agent
  • ​. Never lend money on a real estate deal without collateral. Getting mortgage or deed of trust is an absolute must. That's what makes private lending great..the collateral. 
  • ​Not every borrower is created equally. Lending money to Revive Homes LLC could be a great opportunity. Taking this information and lending it to someone else (not Revive Homes) without proper due diligence is probably a bad idea. With every loan comes risk. We feel that at Revive Homes we've implemented systems and checklists to help reduce that risk. Not every borrower is created equally. Don't lend money you're not willing to loose. 

For Additional Information, Download Our Informational Private Money Slide Deck 

For Additional Information, Download Our Informational Private Money Credibility Packet 

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