We Make it Simple...

Investor holding real estate, earning interest. Passive real estate investing.

Our Investing Strategy

At Starter Home Buyers, we make it simple for everyday savers to turn idle money into 12% amortized returns, fully secured by property. Whether you have a nest egg, retirement savings, or extra cash sitting in the bank, we handle the work while you collect payments every month.

We then sell these properties on contract for deed to buyers who are rebuilding their credit. These buyers make monthly payments to us over 30 years, which funds your 12% return while helping creditworthy families achieve homeownership.

Example home from our portfolio - Decatur, IL

Why Starter Home Buyers?

✓ 12 rental units currently owned and operated

✓ Zero foreclosures, zero missed lender payments

✓ Professional closing process (licensed attorney & title company)

✓ Low loan-to-value ratios (typically 35-45%)

✓ Transparent communication throughout

You Invest $35,000
We Secure It
You Get Paid Monthly
In 5 years the loan is fully paid off

How it Works - In 4 Easy Steps

You Invest $35,000* and become the lender for a specific property.
We Secure It – A recorded lien on real property backs your loan.
You Get Paid – Monthly amortized payments start on the 1st of the month after funding.
You Finish Ahead – At the end of 5 years, your loan is fully paid off, with all interest received.

* Typical loans range from $32,000 to $37,000

Key Lender Benefits

12% Amortized Returns

We offer double-digit interest on your investment, making it an attractive option for those looking to learn how to lend money privately for income. Typically, we borrow small amounts of capital to purchase real estate investment properties, thereby minimizing risk and helping you secure passive income with real estate.

Simple & Transparent

12% Amortized Returns

We provide an interest schedule that details your earnings at any point during the investment term, making it easier to understand how to lend money privately for income. With our private lending opportunities, your rate of return remains fixed, regardless of market fluctuations, allowing you to secure passive income with real estate investment.

Real Property Security

Fully Repaid in 5 Years

Your investment is secured by a first lien on real property at low loan-to-value ratios (typically 35-45% LTV). This means properties are worth 2-3X your loan amount, providing substantial equity protection. You're not just getting a promise - you're getting a recorded lien on tangible real estate.

Fully Repaid in 5 Years

You get your original amount back - plus interest. And, because you're getting some principal paid back monthly, you have the option to start investing that money again. You also have the option of investing in multiple properties at the same time.

Frequently Asked Questions

Please reach us at starterhomebuyers@gmail.com if you cannot find an answer to your question.

How do I get started?

Just contact me and tell me when you’re ready! I’ll give you a call to learn your goals and the amount you have available to lend. I will then go out and find a property that makes sense and matches your needs. When I do, you’ll arrange for the fund to be sent to the attorney or title company. A closing will be set up at the title company office and you can sit back and watch your investment grow. You’ll get fixed returns that never change and that are safely secured by real estate.

How much money will I make? What's the return?

A fixed 12% amortized return over the loan term.

Example: On a $32,000 investment, you'll receive:
- $712 per month for 60 months
- $42,720 total returned
- $10,720 interest earned (33.5% total return)

Download our guide to see the complete payment schedule and amortization table.

How safe is my money?

Your loan is backed by a first lien on real property at low loan-to-value ratios (typically 35-45%). This means you're lending on property worth substantially more than your loan amount - giving you a significant equity cushion.

For example, on a $32,000 loan secured by a $78,000 property, you'd have a $46,000 equity buffer. The property would need to lose 59% of its value before affecting your loan.

Download our guide to see how we structure each deal for maximum safety.

When do I start receiving payments?

On the 1st of the month following funding, and every month for the 5-year term.

How am I protected?

There are 4 key items that secure your investment each time you lend:

A promissory note will state the exact fixed return you will receive. Whatever terms we agreed upon, the note will spell out those terms verbatim.
The title company will create a deed of trust to put the property as collateral for your loan. That means you will have a lien on the property, and we can’t sell it without paying you off.
A title insurance policy will protect you against any title issues or claims that may arise.
An insurance policy will be in place for your protection in case of an unexpected catastrophe or problem.

Also, since there is such a large hedge factor in the amount of funds that you lend versus the equity in the property, even if something happened to me, you could sell the property and make more than you’d make off the interest.

How long is the typical loan, and how much do I need to invest?

My typical deal ranges from $30,000 - $50,000, and each loan term is 60 months. When you get your money and interest back at the end of 60 months, you will sign a Satisfaction and/or Quit Claim Deed to clear your lien against the title.

Who handles all the paperwork?

The title company or attorney will handle all the paperwork. You will send your funds directly to their office and make everything payable to them. The closing agent will not disperse any funds until all the documents that secure your investment are in place and signed off on. They will create the promissory note that states the terms of your loan, the mortgage instrument that gives you collateral, and the title insurance policy. We will also send you a copy of the Insurance Policy.

What does amortized mean?

Amortized simply means your loan is paid back in equal monthly payments that include both the interest you earn and a portion of your original investment.
With each payment, you get some profit and some of your original money back — until the loan is completely paid off at the end of the term.

Example:
If you invest $35,000 at 12% over 5 years, you’ll receive a check every month with part interest, part principal, until your full $35,000 — plus all interest — is paid.

Private Real Estate Lending

Earn 12% Secured by Real Estate at Low LTV

We Make it Simple...

Our Investing Strategy

Why Starter Home Buyers?

How it Works - In 4 Easy Steps

Ready to Put Your Savings to Work?

Stop earning 1%. Start earning 12%.

Key Lender Benefits

12% Amortized Returns

12% Amortized Returns

12% Amortized Returns

Simple & Transparent

12% Amortized Returns

12% Amortized Returns

Real Property Security

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Frequently Asked Questions

Ready to Learn More?

Our Property Portfolio

Contact Us

Starter Home Buyers

Private Real Estate Lending

Earn 12% Secured by Real Estate at Low LTV

We Make it Simple...

Our Investing Strategy

Why Starter Home Buyers?

How it Works - In 4 Easy Steps

Ready to Put Your Savings to Work?

Stop earning 1%. Start earning 12%.

Key Lender Benefits

12% Amortized Returns

12% Amortized Returns

12% Amortized Returns

Simple & Transparent

12% Amortized Returns

12% Amortized Returns

Real Property Security

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Fully Repaid in 5 Years

Frequently Asked Questions

Ready to Learn More?

Our Property Portfolio

Contact Us

Starter Home Buyers

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