How Investing Works
Invest in confidence.
US banks of all sizes have approximately $100 billion in non-accrual and late mortgage loans that Renewmint has relationship access to. These mortgage notes offer 7 times the inventory of traditional REO (real estate owned) investments and are secured against actual real estate properties.
And unlike individual real estate projects such as development, rehab, land lording and wholesaling, with Renewmint – investors have the freedom to not be locked into a certain geographical region as well as being free of dealing with a myriad number of potential pitfalls that comes with land development, market timing, location scouting, obtaining permits with various local government agencies, construction overruns, finding the right tenants, realtor commissions and management fees – just to name a few of the issues.
Debt investment is safer than investing in equity.
Unlike equity or eREITs (Electronic Real Estate Investment Trusts) where investors become shareholders in a particular project, our investors invest in loans secured against property.
Debt is the safest type of property investment. It’s senior to the borrower’s equity and acts like a cushion that protects your investment.
There are three distinct advantages to Renewmint’s platform over traditional investments:
1. Risk – With traditional investment vehicles such as Savings Accounts , CDs, Stock Market, Mutual Funds – an investor is exposed to risk without any security, however, with Renewmint – our asset managers deal only with real estate note investing where the the property is the investors collateral.
2. Return – Another difference between traditional investments and Renewmint is the average rate of return. Most vehicles return between 1.5%-6% per annum. Renewmint offers a vastly better return – an average of 12% per annum.
3. Cost – Fees are costs to your investments. Investors need to consider capital costs such as management fees that are between 1.5% to 4%. Renewmint has ultra-low management fees.
Why Risk Mitigation is important.
Renewmint utilizes embedded securitization and risk mitigation strategies. We only invest in first lien positions meaning that our funds are the first to get paid if there is a downtrend occurrence.
Here’s what a few of our investors are saying about Renewmint.
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These are some examples of US property mortgages funded by our investors. You’ll find a list of high-yield opportunities once you get started.
The Woodlands, Texas
3 bedroom 2 bath single family home. LTV: 51%
Missouri City, Texas
3 bedroom 2 1/2 bath single family home. LTV: 48.9%
4 bedroom 3 bath single family home. LTV: 48%
Circle Palm City, Florida
2 bedroom 2 1/2 bath condo. LTV: 52%
South Beloi, Illinois
2 bedroom 2 bath single family home. LTV: 49%
Cape Coral, Florida
1 st lien UPB of $143,750 + 3 year of rearages. Purchase Price of $55,000. $110,000 FMV