Introducing our Pledged Asset Loan Program!
Let's say for example that you have an investment porfolio earning a pretty hefty rate-of-return for you. Now a rate-of-return simply put, is the gain or the loss of an investment over a specified period of time and it's usually expressed as a percentage increase on the initial cost of the investment (your cost-basis). So in our example, let's say that your investment portfolio is earning you a modest 12 - 14%. That's a pretty good rate-of-return; well that's more a matter of perspective based on one's wants and needs. But for the sake of argument, let's agree that it's pretty good.
Question: are you going to want to liquidate your investment portfolio to buy that piece of property valued at $3.5 million?
Answer: NOT if your mortgage payment is going to be 7 - 8%. You're better off maintaining your investment portfolio and letting it generate that 12 - 14% cash flow. If you liquidate it to tie it into the property, you're sitting on a bank and the rich know that creating wealth is more about making your money work for you. Let's remember, money makes money!
In short, this program is excellent for clients who wish to defer capital gains or losses while maintaining their current investment strategy!
How The Program Works:
Certain eligible investment assets may be used/pledged in lieu of a down payment.
For Example: You have a purchase price of $3.5 Million
You'll have to pledge cash and other cash-equivalents equal to the top 45% of the purchase loan amount; that's $1,575,000. However, if you're pledging against stocks and bonds, you'll have to gross this figure up 143% to $2,252,250.
Once these accounts are verified, you'll qualify for 100% financing but will be required to maintain your investment position; in other words your investment assets will remain in their current position and the investing instution will monitor that you have not liquidated such assets until your pledge is removed. (For further information on this program and how a pledge is removed, you can reach me directly at 323.810.2175.)
Again, this program is excellent for those high net worth clients interested in defering capital gains while maintaining their investment strategy.
Features:
• There is no rate increase or points charged for 100% financing
• No down payment is required
• Avoid Private Mortgage Insurance (PMI)
• Maintain your long-term investment strategy
• Maximize tax deductible interest
• No need to move your investment accounts
• You can assist a friend or family member in purchasing their home by pledging eligible assets on their behalf
Wilshire Financial, Inc. and I (Ricardo Bueno) believe that Residential Real Estate Financing is more like a science and Commercial Real Estate Financing is more of an art. So we're combining science and art through a collaborative process involving Financial Planners, Accountants and Attorneys to help realize the goals of every one of our clients.
Let's say for example that you have an investment porfolio earning a pretty hefty rate-of-return for you. Now a rate-of-return simply put, is the gain or the loss of an investment over a specified period of time and it's usually expressed as a percentage increase on the initial cost of the investment (your cost-basis). So in our example, let's say that your investment portfolio is earning you a modest 12 - 14%. That's a pretty good rate-of-return; well that's more a matter of perspective based on one's wants and needs. But for the sake of argument, let's agree that it's pretty good.
Question: are you going to want to liquidate your investment portfolio to buy that piece of property valued at $3.5 million?
Answer: NOT if your mortgage payment is going to be 7 - 8%. You're better off maintaining your investment portfolio and letting it generate that 12 - 14% cash flow. If you liquidate it to tie it into the property, you're sitting on a bank and the rich know that creating wealth is more about making your money work for you. Let's remember, money makes money!
In short, this program is excellent for clients who wish to defer capital gains or losses while maintaining their current investment strategy!
How The Program Works:
Certain eligible investment assets may be used/pledged in lieu of a down payment.
For Example: You have a purchase price of $3.5 Million
You'll have to pledge cash and other cash-equivalents equal to the top 45% of the purchase loan amount; that's $1,575,000. However, if you're pledging against stocks and bonds, you'll have to gross this figure up 143% to $2,252,250.
Once these accounts are verified, you'll qualify for 100% financing but will be required to maintain your investment position; in other words your investment assets will remain in their current position and the investing instution will monitor that you have not liquidated such assets until your pledge is removed. (For further information on this program and how a pledge is removed, you can reach me directly at 323.810.2175.)
Again, this program is excellent for those high net worth clients interested in defering capital gains while maintaining their investment strategy.
Features:
• There is no rate increase or points charged for 100% financing
• No down payment is required
• Avoid Private Mortgage Insurance (PMI)
• Maintain your long-term investment strategy
• Maximize tax deductible interest
• No need to move your investment accounts
• You can assist a friend or family member in purchasing their home by pledging eligible assets on their behalf
Wilshire Financial, Inc. and I (Ricardo Bueno) believe that Residential Real Estate Financing is more like a science and Commercial Real Estate Financing is more of an art. So we're combining science and art through a collaborative process involving Financial Planners, Accountants and Attorneys to help realize the goals of every one of our clients.
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