Thank you for considering this unique investment opportunity with Wisps of Night Properties. We are excited to offer a secure and transparent private lending program that allows you to grow your capital while partnering with a trusted real estate business. With competitive returns, additional acquisition dividends, and comprehensive protections for your investment, this program is designed to provide consistent, predictable income and peace of mind.
Minimum Investment: $5,000
Minimum Investment: $5,000
Sample Returns
For a $5,000 investment:
- 36 Months at 7% Annual Return:
You will receive $145.83 per month, which includes $116.67 as a principal return and $29.17 in interest. Over the 36-month term, you will receive $5,000 in total principal return and $1,050.12 in total interest. Additionally, with three property acquisitions per year, you would earn $900 in acquisition dividends. This results in a total return of $6,950.12. - 48 Months at 8% Annual Return:
You will receive $135.42 per month, which includes $104.17 as a principal return and $33.33 in interest. Over the 48-month term, you will receive $5,000 in total principal return and $1,599.84 in total interest. With three property acquisitions per year, you would earn $1,200 in acquisition dividends. This results in a total return of $7,799.84. - 60 Months at 9% Annual Return:
You will receive $129.17 per month, which includes $91.67 as a principal return and $37.50 in interest. Over the 60-month term, you will receive $5,000 in total principal return and $2,250 in total interest. With three property acquisitions per year, you would earn $1,500 in acquisition dividends. This results in a total return of $8,750.
Premium Tier: $10,000 and Up
For a $10,000 investment:
60 Months at 10% Annual Return:
You will receive $266.67 per month, which includes $183.33 as a principal return and $83.33 in interest. Over the 60-month term, you will receive $10,000 in total principal return and $5,000 in total interest. With three property acquisitions per year, you would earn $3,750 in acquisition dividends. This results in a total return of $18,750.
36 Months at 8% Annual Return:
You will receive $291.67 per month, which includes $233.33 as a principal return and $66.67 in interest. Over the 36-month term, you will receive $10,000 in total principal return and $2,400 in total interest. With three property acquisitions per year, you would earn $2,250 in acquisition dividends. This results in a total return of $14,650.
48 Months at 9% Annual Return:
You will receive $270.83 per month, which includes $208.33 as a principal return and $75.00 in interest. Over the 48-month term, you will receive $10,000 in total principal return and $3,600 in total interest. With three property acquisitions per year, you would earn $3,000 in acquisition dividends. This results in a total return of $16,600.
Start earning predictable monthly returns with as little as $5,000. Choose the investment tier that works for you and partner with a trusted real estate business
Key Points for Our Acquisition Strategy
Strategic Partnerships with Investor-Only Remodeling Contractors
By collaborating with experienced contractors specializing in investment properties, we ensure high-quality, cost-efficient renovations that maximize property value and ROI.
Proven, Data-Driven Targeting
Our acquisition process leverages comprehensive market data and analytics to identify high-potential properties in prime locations, minimizing risk and optimizing profitability.
Expert In-House Marketing Team
Our dedicated marketing team executes tailored strategies to attract buyers and renters quickly, ensuring smooth turnovers and consistent returns for investors.
Investor Protections
1. Promissory Note
Each investment is backed by a legally binding promissory note detailing:
- Principal amount
- Interest rate and payment schedule
- Acquisition dividend terms
- Maturity date and repayment terms
2. Confession of Judgment
To provide expedited legal recourse, a confession of judgment clause is included. This allows the lender to obtain a judgment without a lengthy court process if the borrower defaults.
3. Penalty Clause
To ensure accountability, the following penalties are applied:
- Late Payment Penalty: A 5% penalty on overdue payments or $50, whichever is greater.
- Early Termination Penalty: Six months of interest on the original loan balance if the borrower chooses to repay early.
- Breach of Contract Penalty: A 10% penalty on the outstanding loan balance in the event of a contract breach.
4. Full Call-In Recourse
In the event of default or a material breach of terms, lenders retain the right to demand full repayment of the loan, including interest and applicable penalties.
Become part of a trusted network of private lenders earning competitive returns through smart real estate investments. Start building your passive income today.
Additional Layers of Protection
Independent Annual Audit
An independent annual audit will be conducted, with findings shared with investors to maintain trust and confidence.
Unused Line of Credit
The holding company will maintain an unused line of credit equivalent to 20% of the outstanding loan balances to ensure liquidity and timely payments.
Reserve Fund
A reserve fund equivalent to six months of interest payments will be maintained and replenished annually to provide a safety net for meeting obligations.
Key Man Insurance
A key man insurance policy will be maintained to protect the lender’s interests in case of unforeseen circumstances involving the business’s leadership.
