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Real Estate Development and Financial Brokerage Services

Saint James Holding and
Investment Company Trust

Trust Services:

Asset-Backed Securities Transactions – Collateralized Mortgage Obligation (CMO and REMICs)- Real Estate Investment Trusts (REITS) -Leveraged Leasing Transactions – Mutual Funds and Investment Companies – Liquidating Trust – Private Investment Fund, Joint Venture and Strategic Alliances – Trust Preferred Securities Transactions

What is a Delaware Statutory Trust

A Delaware statutory trust (DST) is a legally recognized trust that is set up for the purpose of business, but not necessarily in the U.S. state of Delaware. It may also be referred to as an Unincorporated Business Trust or UBO.[1]

Delaware statutory trusts are formed as private governing agreements under which either (1) property (real, tangible and intangible) is held, managed, administered, invested and/or operated; or (2) business or professional activities for profit are carried on by one or more trustees for the benefit of the trustor entitled to a beneficial interest in the trust property.[2]

DST Investments are offered as replacement property for accredited investors seeking to defer their capital gains taxes through the use of a 1031 tax deferred exchange and as straight cash investments for those wishing to diversify their real estate holdings. The DST property ownership structure allows the smaller investor to own a fractional interest in large, institutional quality and professionally managed commercial property along with other investors, not as limited partners, but as individual owners within a Trust. Each owner receives their percentage share of the cash flow income, tax benefits, and appreciation, if any, of the entire property. DSTs provide the investor the potential for annual appreciation and depreciation (tax shelter), and most have minimum investments as low as $100,000, allowing some investors the benefit of diversification into several properties.[3]

The DST ownership option essentially offers the same benefits and risks that an investor would receive as a single large-scale investment property owner, but without the management responsibility. Each DST property asset is managed by professional investment real estate asset managers and property managers. It used to be that only large institutional investors such as life insurance companies, pension funds, real estate investment trusts (REITS), college endowments and foundations were able to invest in these properties. Now as a viable 1031 exchange replacement property option through a DST, individual investors have the ability to invest in a diversified selection of institutional quality, investment property types that they otherwise could not purchase individually. DST Investments are located throughout the United States. Property types may include multifamily apartment communities, office buildings, industrial properties, multi-tenant retail, student housing, assisted living, self-storage facilities, medical office, single tenant retail properties and others .[4]

Cogo Capital

Asset-based lending to investors looking for funding on non-owner occupied residential and commercial investment deals. All Cogo Capital loans are evaluated with asset-based standards, as opposed to the conventional standards utilized by banks and other institutions. That means that even if you don’t meet the stringent requirements and guidelines of banks and more traditional lenders, you can still quickly and confidently make offers on real estate deals.

Direct Lending

Computer Equipment Leasing and Financing
Printing Equipment Leasing and Financing
Commercial Vehicle Financing and Leasing
Auto Shop Equipment Leasing and Financing
Fitness Equipment Leasing and Financing
Restaurant Equipment Leasing and Financing
Machine Tool Financing and Leasing
Sign Leasing and Financing
Medical Equipment Leasing and Financing
Construction Equipment Leasing and Financing

Online App

Hamilton Receivables

NO personal guarantees;
NON-recourse credit exposure;
NO term agreements;
NO volume requirements;
NO reserve escrow accounts;
The ability to age invoices before factoring;
The flexibility to pick which invoices to factor and which to retain;
NO customer estoppel agreements;
The fee-saving opportunity to retire invoices prior to client payment

Professional Financial Associates

PFA Venture Capital for Commercial Mortgage Hedge Fund Lending
PFA Signature Loan-by Mail Program
PFA National Residential Lending Programs
(FHA – FNMA and FHMLC – VA – USDA – Reverse Mortgage) – Non Agency JUMBO
PFA Corporate Finance Program
PFA Phone-In Mini-Lease Program
PFA Construct/Land/Rehab/FixnFlip
PFA Mortgage Warehouse Lines of Credit for Mortgage Brokers
PFA Peak Performance Instant Cash-Flow based on daily cash flow
PFA Micro-Loan(TM) Merchant Cash Advance
PFA NEW CHECKs Advanced(TM) Program- For Retail Merchants
PFA Consumer Installment Financing for Larger Purchases
PFA New Vendor Backed Leasing Program
PFA New Short-Refi Program – For Current Real Estate Value -Upside Down
PFA Seeking to Purchase Mortgage Loans From Banks & Thrifts
PFA Loan Portfolio, Mortgage Pool & Individual Mortgage Loan Acquisitions From Conventional Lending Institutions
PFA Small-ticket titled asset program Minimum transaction size of $30,000
PFA Middle-market and large-ticket transaction $250k to millions of dollars

MOST Common Loans CLOSING Right NOW!!

Bank-FORCED Refinances:
– 90% to 50% LTV
– 10 to 20 Day Closings Possible
– YOU are the HERO when “dumping Bank” takes a DISCOUNT on Pay-Off!!
– Owner-Occupied/User Properties in 39 States
– Investor-Held (N.O.O.) Properties in 34 States
INVESTOR-Held Purchases & Refinances:
– FAST Closings in 10 to 20 Days
– LTV from 60% to 50% based on Property Type (Line #1 to #17 on Rate Sheet)
– Available in 34 States ONLY (see Rate Sheet for Full List)
OWNER-OCCUPIED User Purchases & Refinances:
– Multi-Use (Offices/Warehouses/Some Retail) Purch. or Refi. to 90% LTV with SBA
– Special/Single-Use (#4 to #17) Purch./Refi. from 80% to 85% LTV with SBA
– New Construction or Major Expansion 75% to 80% LTC with SBA
– “Non-SBA” Closings in 10 to 20 Days (60% to 50% LTV)
– SBA Takes 35 to 55 Days usually
– Available in ALL 39 States

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