Our Next Dividend Will Be Distributed 4/1 To Investors Of Record By 2/28.
An investment with 2 bottom lines:
An 8-11% annual return,
tax-advantaged, distributed monthly.
A high-yield investment that helps struggling families stay in—and eventually own—their homes.
Introducing the fixed-income mortgage note fund from 7e Investments, open to all investors.
Benefits of Investing
Six reasons to invest in 7e Investments.
Reliable, high income to meet your lifestyle needs.
An 8-11% preferred annualized return beats most other fixed income alternatives—even the returns on riskier assets like high-yield bonds.
One Year CD's
Money Market Funds
High Grade Corporate Bonds
Tax-efficient monthly distributions
Since we are structured as a C corporation, we distribute income as dividends, which are taxed at the lower capital gains rates.
That can make an enormous difference in your after-tax returns. Consider that, currently, the top ordinary Federal Income tax bracket is 37%. The top capital gains tax rate is just 20%. If you’re in the top income tax bracket—with income between $500,000 and $600,000 a year—you’d only get to keep 5.04% out of an 8% annual interest payment.
Make it a dividend payment, taxed at the top rate of 20%, and you earn 6.4% after taxes.
Monthly After-Tax Income on an 8% Return
This investment is good for self-directed IRAs and not subject to UBIT, please consult your tax professional for personalized advice.
AFTER-TAX INCOME (If taxed as “Interest”)
AFTER-TAX INCOME (If taxed as “Dividends”)
YOUR INVESTMENT (With Bonus Shares)
AFTER-TAX INCOME (If taxed as “Interest”)
AFTER-TAX INCOME (If taxed as “Dividends”)
Note: It would take more than an additional 25% investment to provide the same after tax income.
“Who says being retired means that taxes don’t matter as much? By getting 8%, and as dividends, I’m completely covering my monthly needs because I keep more of the income.”
7e Investments does not provide tax guidance. Please consult with your tax professional for personalized advice.
The benefits of real-estate without all the work.
Many of our investors start out by buying non-performing real-estate directly, through tax sales and foreclosures, but quickly find that managing these properties requires more time and energy than they want to devote to it.
When you invest directly, it’s your job to:
- Identify properties
- Evaluate pricing
- Find financing
- Do repairs, painting, maintenance and cleaning
- Advertise for tenants
- Arrange leases
- Collect rent
- Pay taxes
- Deal with non-paying tenants
- Foreclosure if necessary
Invest with 7e Investments and all you have to do is:
- Write a check
- Collect dividends
A multi-faceted approach to managing risk.
Investing in distressed real-estate loans involves some risk. After all, the borrowers have stopped making interest and principal payments. However, at 7e, we have a disciplined approach that minimizes risk and magnifies the chances for a successful outcome.
- Look to purchase notes: We purchase properties at a 40-60% discount to market value, often giving us the flexibility to structure loan payment plans borrowers can manage.
- We are extremely selective: With a $75 million targeted raise, we are barely scratching the surface of the distressed loan asset class. We can afford to be extremely choosy about the loans we invest in, building a diversified portfolio with what we believe to be the best potential for enhanced returns.
- A diversified portfolioWe invest all over the country as local economic conditions drive local real-estate markets. We reduce our exposure to any single community’s economy by diversifying across 42 states.
- We work one-on-one with borrowers to get them to repay their loans: With a manageable portfolio of $75 million, we can focus on individual loans in our portfolio, working closely with borrowers to get them to commit to paying off their loans and keeping their homes.
Proven success in an asset class that not everyone can manage.
Mortgage notes are not an asset class you can easily scale, so larger asset managers tend to stay away. Consider that investing in a $200,000 loan takes the same effort and cost as investing in a $2 million loan.
7e Investments has a proven record for success in this challenging sector of the real-estate market, including:
- Over 500 deals managed
- Decades of combined real-estate experience
- Consistent deals across multiple regions including the Rustbelt/Midwest
- As of March 2022, 100% of the notes in our latest fund have achieved a positive resolution
Backed by a team of experts to help drive results quickly.
We have a team of seasoned professionals to help us drive results quickly. This includes:
- Attorneys that specialize in real estate and can navigate the ever-changing laws that govern each state.
- State Licensed servicers who are trained in borrower communication and act as the point person when it comes to loan modification.
- Real Estate specific CPAs and accountants with an understanding of the various tax ramifications of buying, owning, and selling mortgage notes which helping us scale the portfolio faster.
One of the most reliable ways to build wealth for retirement is investing through an Individual Retirement Arrangement, known as an IRA. For this webinar, our President and founder Chris Seveney and our VP of investor relations Lauren Wells were joined by Derreck Long, Senior IRA specialist at Quest Trust Company, to discuss investing in 7e through self-directed IRAs. Earlier on in his professional career, Derreck learned that if you wanted to become wealthy you had to do what others won't, leading him to become a Self-Directed IRA and Solo 401K Expert, back in 2017. Since then, he has earned multiple certifications, including a CISP from the American Banking Association, and spoken at hundreds of events across the U.S. They presented how this can help you build wealth for retirement, and defer some taxes, after which there was a live Q&A, which we have posted some of the answers to below.
When you invest in 7e Investments, you are investing in a dedicated and experienced team, ready to individually assess the quality of every mortgage note we chose to add to our portfolio. With owner-occupied mortgages across the U.S. valued at over $16 trillion dollars, the massive size of this market leaves 7e, with our niche focus, with a great deal of flexibility in deciding which mortgage notes to add to our portfolio and which to avoid. We are barely scratching the surface of this massive marketplace. Today, as our offering continues to gain investors, 7e, with our repeatable and scalable process, expects growth and aims to continue our success. With investments across 42 states, your investment is an investment in a diversified portfolio. Our investments are driven by our double-bottom line, keeping struggling borrowers in their homes while delivering an 8% annualized return to our investors. Sometimes, some help is all that borrowers need to begin building generational wealth for their families. By purchasing non-performing mortgage notes at a steep discount (40-50%), we are able to renegotiate the note with the homeowner on a manageable payment schedule, which takes into account the homeowner’s individual financial circumstances and the health of their property. If our research points to the family’s positive ability to start payments again at a renegotiated rate, we will buy their mortgage at a steep discount. Our repeatable and scalable process guides us to which borrowers have a high probability of getting on track and which are most likely gaming the system and should be avoided.
7e Investments purchases under- or non-performing mortgage notes at a steep discount. This enables our firm to renegotiate a far more manageable payment schedule with borrowers. We aim to fulfill our double bottom line, getting borrowers back on track, while distributing monthly dividends to our investors. Because we perform a high level of individual due diligence, we come across a wide range of issues facing borrowers, and some are quite unique. Maybe our borrowers need to rent another home because their primary home is damaged, maybe they have undergone a medical procedure and have fallen behind on their payments. For many of them, the value of surrounding properties has increased and they would like to eventually sell their home after getting back on track with their mortgage. In this webinar, we will be highlighting two of many of our case histories where we have purchased a non-performing mortgage note, and turned it into a profitable investment whereby the borrower can stay in their home and overcome various obstacles– some with our support. Our focus is always on knowing which mortgage agreements have a high probability of getting back on track, and which to walk away from.
At 7e investments, we invest in mortgage notes. Our goals are to create win-win situations for our investors and distressed borrowers, garnering high yielding monthly distributions while keeping as many families in their homes as makes sense. We invest in distressed single family-home mortgage notes, in which the borrower has fallen behind or has stopped making payments altogether. Homeowners fall behind on payments for all kinds of reasons, such as a loss of a job or a sick family member. Some will not recover from this situation, some will. Many distressed borrowers, with a little help, are able to keep their home and not miss any payments. What kind of help do we offer? At 7e, we are highly skilled at evaluating borrowers’ circumstances, identifying those borrowers that can get back on track with their payments. Rather than seeking to acquire, foreclose, and sell the properties associated with the notes, we purchase the notes from lenders at a 40-50% discount, and renegotiate loan payments to a level borrowers can afford. We strive to create positive scenarios for all parties involved, structuring deals that allow the borrowers to stay in their homes wherever possible, making all future payments in full and on-time.
Our newest offering may be a great fit in your portfolio. We at 7e pride ourselves on offering alternative investment opportunities in and around real estate–not tied to the stock market. For the past 5+ years, we at 7e have been establishing ourselves as innovators in creating opportunities for investors, from the early stages of joint ventures, to moving on to funds. For this offering, we are open to every type of investor, from accredited to non accredited, from small dollar investments, to those with significant cash sitting on the sidelines–including IRAs. We have always thought of the investor first, balancing our focus on both high returns and managing risk. As we have grown, we design and test innovative and creative ways to develop new offerings while not impacting our core values or returns to our investors. After a long and hard year of working with attorneys and building our team, we have created an offering that we believe accomplishes high yield returns, with a heart.