Creative Finance Matters!
what you need to know
Seller

This means we are buying the property Subject To the existing loan in place. In other words we are not getting a new loan, we are keeping your existing loan in place, making payments to the bank on your behalf, and transferring ownership via the deed over to us

Though that scenario is highly unlikely, it should be addressed as a worst case scenario. The good news is that your worst case scenario is better than your best case scenario. In your best case scenario, we spend money to get the arrears paid up, spend money to renovate the space for rental, spend money monthly to service the loan, and you get an improved credit score and foreclosure avoidance. In your worst case scenario, we default and the property gets reverted back to your name. You get to benefit from all the payments, renovation and arrears paid so far, you get the benefit of depreciation and the appreciated value of the property.

Absolutely not. The fact is that the price of the home is not that relevant to us. What is relevant is what we can do with it. The amount of cash we can generate from renting it, after all expenses have been paid, is more important to us than the sales price because we are long term holders of real estate.

We pay a servicing company to make payments directly to the mortgage bank. When those payments are made, an email notification goes out to you, us, the mortgage bank and the insurance company. Meticulous records are kept so all parties have peace of mind.

Our intent is to hold the property and take advantage of the depreciation. If for whatever reason we sell prior, the new owner continues the payments.

The first thing you want to do is reach out to us. We have contracts that we will issue that allow the underwriter to approve you for your new home. Or you can just buy one creatively like we do. We are happy to help.

Your moving cost is your responsibility. In most cases, we try to have the seller walk away with a decent amount of money. There are some exceptions to the rule, but most sellers have enough to make a move.

Our partnership in the sale of the property ends when we refinance, pay the outstanding mortgage balance, or sell the property. Similar to any other real estate sales transaction

As investors, one of the most important benefits of owning real estate is depreciation. You can only benefit from this when the deed is in your name. There are several other benefits to having the deed in our name that make it a mandatory step for us in the process.

There is no reason why not. The only thing that may prevent that is that we tend to renovate properties we buy and put them on the market for much higher price than the mortgage payments, as a rental so we can cover the costs. It may be too expensive and in addition, you would have to go through our strict qualification process. If you meet the threshold we can have that conversation.

Seller carryback refers to a loan a seller extends to a buyer that allows the seller to become the buyer's bank and receive payments to the outstanding balance over a period of time. It is also called owner financing, seller financing or an installment sale.

When a seller is carrying back a loan on a seller financed sale, the duration of the seller financing agreement is determined. If it is a short term like 5, 10 or 15 years, there is usually a lump sum payment due to the seller at the end of that period. That payment is referred to as the balloon payment. It is inflated in relation to the payments that have been made till date.

If the only loan on the property is the carry back then the answer is yes. However, if there is a lender issuing a mortgage to us as the buyer, and they are writing a check to you as the seller on our behalf, then they will be in first position while your seller carryback loan will be in an authoritative second position.

We generally make the first and subsequent payments, owing to the terms that were outlined in the sales agreement. If next month is the term, then we make the payment next month
INVESTOR PARTNERS

You can get started as an investing partner by filling out the link at www.dinobicapital.com/invest or reaching out to us via our email info@dinobicapital.com. Subsequent to that, we will reach out to get to know you a bit better, and get any required information and acknowledgements.

Our investing partners can invest using Trusts, Limited Liability Companies, Limited Partnerships, C & S Corporations, 401Ks, Sep IRAs, Roth IRAs, Personal investment accounts & Joint Accounts. For more information on IRA accounts, see below.

Yes. As long as the IRA is self directed, you can use it for the purposes of real estate investing and lending.

A K-1 is a tax form used to provide investors with detailed information on their share of a partnership’s taxable income. Investors in each LLC used to purchase property will receive a K-1 on an annual bases which they will use to report their share of the partnership’s income, gains, losses, deductions and credits on their tax return.

We aim to send out finalized K-1s no later than April 1st. In the event that we need to extend that further for any reason, it will be conveyed to our investors since investors may be required to obtain one or more extensions for filing federal, state and local tax returns.

Yes! Accredited investor can partner with us on syndicated deals.

An accredited investor includes anyone who earned income that exceeded $200,000 (or $300,000 together with a spouse) in each of the prior two years, and reasonably expects the same for the current year, OR has a net worth over $1 million, either alone or together with a spouse (excluding the value of the person’s primary residence). An accredited investor can also be any trust, with total assets in excess of $5 million, not formed to specifically purchase the subject securities, whose purchase is directed by a sophisticated person, or any entity in which all of the equity owners are accredited investors. Our offerings under Regulation D Rule 506(c) will be available to accredited investors only.

Yes! At the moment, non-accredited investors can partner with us on Joint Venture deals in which they provide a skill set other than capital infusion and will be held responsible for that specific deliverable.

A non-accredited investor is someone who earned less than $200,000 (or $300,000 together with a spouse) in each of the prior two years, and reasonably expects the same for the current year, ORhas a net worth less than $1 million, either alone or together with a spouse (excluding the value of the person’s primary residence).

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Once the fund is closed for the current deal you you cannot add more capital to that deal then what you already committed. However, you can add unlimited funds to up coming deals we have in the pipeline and we will be happy to partner with you on those projects as well.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Yes! You can invest in Dinobi Capital if you are a domestic investors from any of the 50 states or USA owned territory OR an international investor from any other country. You will need a US based bank account and a TAX ID (Social Security Number or Employer Identification Number) that allows for the collection and payment of taxes in the US.

Accredited investors get a preferred return of 6% after which any profits are split between the investors and us on a 65% to 35% bases in favor of the investors. If a capital reclamation event occurs like a refinancing that gives the investor their initial capital back, any profits will be split on a 50/50 bases.

An individual or an entity the Joint ventures with us will split profits with us on a 50/50 bases. The partner will provide capital and one real estate related skill set in keeping with the SEC rules and regulations that prohibit such a relationship from being labelled a syndication. Example of real estate related services include brokerage, marketing, construction, management to name a few.

The length of the term varies but is typically determined by how long it takes to get a significant ROI or even double or triple the initial capital investment. The typical duration of the fund or partnership is 5 - 10 years. We reserve the exclusive right to extend or truncate the duration of the fund within reason and depending on market conditions in order to meet or exceed the stated goal.

Your funds that are currently sitting in a savings account are yielding you an anorexic return of 0.01% to 1% (typically on promotional terms) with an average of 0.05%. A 15% IRR delivers 30x what your money is currently yielding on average. Our goal is not to make lofty promises of massive returns, but to get returns from good deals that we can deliver on a steady bases to our investor base. A 15% IRR gets us there.

The first distribution is typically given out within 60 days of the deal closing. Just enough time for us to sort out the books run the numbers and make sure the asset is performing to the standard we need prior to distributions being issued.

We sometimes refer to this as a baby REIT. The truth is they are on similar in the sense that they are both securitized instruments governed by the SEC. The difference are stark: Reits are not backed by real property but our syndication is backed by the actual asset we are purchasing. REITs provide liquidity and as such a reduced return. Our syndication makes the capital illiquid but investors stand to earn a larger profit when we exit and dispose of the asset as a long term reward for the lack of liquidity.

All investments are risky. Real estate investing, though less risky than the stock market, still has its risks.These risks include the potential loss of capital invested.
LENDING PARTNERS

Our lending partners can lend using Trusts, Limited Liability Companies, Limited Partnerships, C & S Corporations, 401Ks, Sep IRAs, Roth IRAs, Personal investment accounts & Joint Accounts. For more information on IRA accounts, see below.

Yes. As long as the IRA is self directed, you can use it for the purposes of real estate investing and lending.

No you don't. However the rules, process and disclosures governing non-accredited investors that lend are rigorous. As such, at this time, we currently partner with accredited investors as lending partners on loans $55,000 and above from accredited investors.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Yes. Depending on the needs of the end-borrower, you may continue to lend additional funds to either the same project or upcoming projects associated with the end-borrower. We will work with you to make sure the projects are adequately funded, your capital is preserved and risk is mitigated.

Yes! You can lend to Dinobi Capital if you are a domestic lender from any of the 50 states or USA owned territory OR an international investor from any other country.

Each project has different funding needs. The loans are typically short term loans and last between 6 months to 2 years.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.

Text coming soon. Contact us at info@dinobicapital.com for immediate details.