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If you are an investor looking for more stability, more clarity, and more control in your financial life, today's episode is for you. I I get emails from people sometimes. I talk to people who say, I love the idea of real estate. I love the idea of passive income, but I'm tired of tenants or I'm tired of the the volatility of the stock market. And, you know, there has to be a better way, and that's what we're here to talk about is mortgage note investing. At Labrador Lending, we serve three types of investors, the passive investor, the hybrid investor, and the active investor. And we're gonna dive into that today. I'm gonna explain in detail the services that Labrador Lending provides and help you make a choice to see if one of those one or more of those services is right for you. I hope you enjoy the episode. Thanks, everyone. 

Speaker 1

From adversity to abundance, hosted by entrepreneur and seasoned real estate investor, Jamie Bateman, is the ultimate guide for active and passive investors seeking clarity, mental fitness, and the confidence to make inspired decisions in the world of real estate. With a decade plus of investing experience across various niches and a background as a combat veteran, former army officer, and multimillion dollar mortgage note company owner, Jamie brings a wealth of knowledge and inspiring stories to each episode. Through weekly episodes featuring insightful interviews with industry leaders and solo explorations of mindset and strategy, listeners will uncover actionable advice and tips to overcome challenges and build lasting financial success. Whether you're a seasoned investor or just starting, from adversity to abundance is your road map to turning obstacles into opportunities and achieving financial freedom. 

Speaker 0

Welcome, everybody, to another episode of the From Adversity to Abundance podcast. I am your host, Jamie Bateman. And today, we're gonna talk about the three core services that Labrador Lending offers to you and why the our three pronged approach matters. Some of the feedback I've gotten about our from adversity to abundance podcast is that it's extremely inspirational, and people really like the guest stories and, can be very moving and inspiring and uplifting to understand and hear from people who've gone through serious tragedy and and difficulty and overcome that, but that it's not super practical. And I found that, you know, even myself, if I'm listening to a podcast that's, moving and inspiring, it it doesn't always offer a so what, you know, a next step, a practical, action plan. So what do I do with that? Great. I was inspired. That's fantastic. I'll tell somebody about it, but it I don't do anything with it. So I've tried to incorporate more practical value into the show recently, and that's what this episode is going to also attempt to do is to provide some practical value for mortgage note investors specifically and even real estate investors and any investors outside of mortgage notes. This show is not just for mortgage note investors. This episode is also for those who may want passive income, who may not be extremely familiar with mortgage note investing, or who wanna learn about mortgage note investing. Maybe you're tired of the stock market, the ups and downs of crypto, and, you you know, you want to explore another avenue within residential real estate that can make a good amount of profit and monthly predictable income, and maybe you're not sure where to start or which path is right for you. So we're gonna dive into the three core services that Labrador Lending offers, what we do on a day to day basis, and how we can help you choose the right path and decide if one of our one or more of our three core services are right for you. First off, I'm gonna share my screen for those who are watching, on YouTube, and we'll go from there. So, again, Labrador Lending Investor Services, we offer three different things. We offer the Integrity Income Fund. We offer offer a new asset management service, and we also offer a mentorship one on one mentorship program. Welcome to Labrador Lending. Whether you're a first time investor or an experienced investor ready to grow your portfolio, we're here to help you, help guide you, and support you. And what we wanna do is provide clarity, confidence, and personalized support for you to meet you where you are. We do feel like now we're able to serve, maybe not everyone, but most of the those interested in in participating in mortgage note investing. And we've really are I'm really happy with where we are as far as serving the active, passive, and hybrid investor, and we're gonna get into that. Labrador Lending is a veteran owned boutique firm dedicated to helping individuals take ownership of their financial future through mortgage note investing specifically. Again, we serve active, passive, and hybrid investors as well as borrowers and communities by offering integrity driven guidance, education tools, and transparent services. We focus on win win outcomes. So why mortgage notes? You may be wondering, you know, why what draws what drew me into mortgage notes? What's so great about this mortgage note thing? Well, they're convenient. They're location independent. You can invest from just about anywhere, and you really don't need to be near the property at all. You can manage your mortgage note portfolio online regardless of your location. So if you have a phone as and a a laptop with a an Internet connection with which which most people do, you can be a real estate investor and a mortgage note investor in particular. Should you be? Well, that's a different question. Also, one of the things I love about mortgage notes is that they're secured by residential real estate. In our case, we buy first lien, both performing and nonperforming mortgage notes that are backed by residential real estate. Each investment is secured by the underlying property, which really provides a lot more stability than, say, traditional stocks. And then it's relatively passive. I've done presentations on the, the the spectrum of passiveness with when it comes to mortgage note investing. Our mortgage notes, is it really passive? Is it mailbox money? It can be. And relative to owning rental properties, I'd say it's it's a little bit more passive for sure. You're not dealing with tenants, toilets, or trash. Notes do allow you to earn without property management stress. So the first core service we're gonna get into is our integrity income fund. Alright? And so our integrity income fund is for accredited passive investors. So if you're not sure what an accredited investor is, Google it and find out. Chances are if you're not sure, then you're probably not one, but maybe you can set that as a goal to raise your income and or your net worth to qualify as a an accredited investor. There are other ways to become accredited investors as well. Our fund offers a targeted eight or ten percent annual preferred return based on how much capital our investors put in. So what happens is we have passive investors who put capital into our integrity income fund, and then we go out. My team and I go out and and purchase mortgage notes, and we manage those notes. We have monthly distributions. We've run the fund for three and a half years, over three and a half years. We've never missed a single payment to our investors. And, I'm very proud of that. And the fund is profitable, and I'm proud of the fact that we've never, failed to hit that those targeted preferred returns. We have very transparent reporting and performance updates. Our investors are able to log in to their their portal and see not only their own personalized investment information on where how much they capital they put in, when they got distributions provided to them, and obtain their schedule k one for tax filing purposes, etcetera, etcetera, but they can also see the notes that we own in the fund. We're currently invested in eighteen states. We have notes in eighteen states. We have mostly reperforming slash performing first lien notes, and we have some nonperforming notes where we're working through either foreclosure or a workout with the borrower. Also, with our fund, one of the things I love to highlight is that it has a short twelve month commitment period. And so a lot of note funds will have a three or four or even five year commitment period. Ours is twelve months, one year. So if you're not sure you know, maybe you're making some life decisions in a year or two from now and you don't want your capital to sit in even a high yield savings account at three percent, why not make ten percent, if you have a hundred thousand dollars or more to put into our fund? Your targeted preferred return with monthly distributions would be ten percent annualized. Why not do that for a year? And then when you're you have things settled in a year, you can redeem that those funds. We've always been able to provide the funds that are redeemed requested to be redeemed within a two to three week time period. So the other thing that I love about our fund for our investors, they have access to a curated mortgage note portfolio. So we really minimize risk by spreading the assets out, and and you're not putting all of your eggs in one basket. You know, you're not buying one rental property where the roof needs to be replaced and all of a sudden vacancy, you know, kills your returns for the year. We're buying notes across the country, like I said, currently in eighteen states. We've purchased in twenty five to thirty states before. This is not my first fund that I've run. I've run a nonperforming note fund as well. And so with the Integrity Income Fund, you're putting your capital in with a bunch of other investors, and you're owning shares in the fund that are backed by many, many different notes within our within the fund. And so that really mitigates risk across geographies, across borrower types, across many different factors. And so who is this fund for? It's for accredited investors seeking passive income. This is about the most passive way to make money in mortgage notes. And we've never failed to to make to hit our monthly distributions and make those distributions to our investors. We're almost always early, in sending those distributions out. It's for investors who are who want consistent returns without hands on management. Again, super passive. And those who are looking for a vetted professionally managed mortgage note fund. So it's really all about the operator and their team and their track record, in this case. Because the reality is when you put your money into a fund, you lose a good amount of control, and you've really gotta trust that operator. And so I think track record is probably the number one thing to look at when it comes to vetting an operator. Our newest service, core service number two, is our asset management program. So we're gonna get into our mentorship program in a minute. And but what I've realized in working one on one with newer investors, maybe it's in people who are very familiar with real estate or who have capital. Maybe they're a financial adviser or they have, you know, money from somewhere else. Maybe they inherited money. And but they they're not a little they're they're a little hesitant to place capital into a fund and lose that control. But, you know, they they don't necessarily have time or energy or the desire to do the day to day asset management. And so that's where our asset management program comes in. This is for the what we're calling the hybrid investor. The hybrid investor wants control, but they don't wanna do the heavy lifting day to day. So they wanna outsource that asset management to us. Backing up, zooming out for a minute, when you manage a mortgage note fund, that really comes down to three things. One is raising capital from passive investors. Two is finding notes, sourcing notes, doing due diligence on those notes, buying those notes. And the third leg of the stool is managing the capital and the notes. And so managing the notes is what asset management is, and that's where we spend most of our time with the Integrity Income Fund. And so I've been doing asset management for years, really since twenty eighteen with mortgage notes. And so this service is not really something new per se for us from our standpoint. It's what we've been doing for years. We're just now offering it to you and to the investor who wants control with support. They want hands off loan servicing management. We are not a loan servicer, but we will manage the loan servicer. We will manage any workouts with the borrowers. We will manage borrower communication through vendors such as the loan servicer. We manage we provide transparent reporting and monthly performance updates to the client, the asset management client. We will provide some due diligence support when acquiring notes, but quite frankly, that's really more in our mentorship program. We're gonna talk about that. And we will provide exit planning, whether that's through a refinance, a payoff, modification, or sale of the property. And we also, very importantly, provide you access to vetted vendors and service providers such as attorneys, loan servicers, loan brokers, etcetera. We've spent years building out our, network of of vendors, and so why not plug into our systems and our network instead of starting from scratch? So asset management is for busy investors who want returns without daily management. It's for new investors who do prefer some guidance after they have purchased notes. It's also for experienced investors who wanna scale their portfolio and they wanna focus on acquiring more notes. They don't wanna focus on doing all the day to day tracking of taxes and insurance, managing vendors, etcetera. This service is open to both accredited and nonaccredited investors. That's an important point to make. Thirdly, our note investing mentorship program is our third is our final core service that we offer. We've been doing this for years. With this, you get one on one personalized guidance. We currently charge one hundred and fifty dollars per hour for one session, for one a one hour session. But I will say you get a lot of value outside the sessions. We have an online community that we're building that I've already benefited from, education wise and inspiration wise. And not only that, you we do answer questions in between, sessions, both in the community and via email, etcetera. And if you need an attorney in a particular state, for example, we can provide you a recommendation. This is not financial advice. None nothing on this call is is me providing financial or legal advice. But when we do these one on one mentorship sessions, essentially, you're picking my brain to figure out what would I do in this scenario and and piggybacking off of our resources and our network. And so what we often do with mentorship is deal analysis, and we build out your due diligence checklist as well as your buy box. Those are two critical pieces in the beginning for any mentees, and we do provide you access to a trusted vendor network. Then like I mentioned, you get private community hub access with tools and resources as well as ongoing support through your investing journey. Our note investing mentorship program is perfect for aspiring or current investors seeking expert guidance. Any investors who want personalized mentorship rather than generic advice, and individuals looking to accelerate learning and confidently scale their portfolios. So with asset management, the core benefits are hands off loan management, workout strategy execution, transparent reporting, exit planning, etcetera. It's perfect for busy investors wanting returns without daily management, new investors who prefer guidance, experienced investors scaling their portfolios efficiently. We don't only focus on asset management when it comes to mentorship. We also focus on how to scale your business. So raising capital, whether that's for joint ventures or for through selling partials or doing hypotheticals, also systems. You know? What systems do we use? Right? So it's not just how to analyze a deal. It's also how to scale your business, which falls back to those three legs of the stool, raising capital, finding deals, vetting the deals, and then thirdly, managing the deals and the capital. And our mortgage note mentorship program, is is great for those who want to accelerate their learning. So, I I guess one thing I kind of skipped a little bit here is that our asset management program is perfect for it pairs very well with with our mortgage note invest I'm sorry. With our mentorship program. So I find that, you know, you I might be working with a newer investor who's not super familiar with buying mortgage notes, and they also don't wanna do the day to day management, but they want to learn what they're buying. So it pairs well, you know, even if you plan to use our asset management service, it may behoove you to enroll in our mentorship program to learn what it is mortgage note investing is all about. And I really find that those two pair well together, the mortgage note mentorship and our mortgage note asset management program. Some of the things that our investors are saying is that we've been very professional and easy to work with. We've made note investing smooth and hands off. Consistent monthly distributions from our fund and responsive communication, highly recommend. That's for the Integrity Income Fund. And then, one of the people I worked with mentoring knowledge he said we are knowledgeable, passionate, and flexible. Great experience working with the team. Appreciate those kind words. Those are small, segments of of testimonials we've received from passive, active, and hybrid investors. Calls to action, head over to labrador lending dot com and click on investors. We have page a page for our passive investors, a page for our active investors, and a page for our hybrid investors. I think I did get tripped up a little bit there in the order of these slides, but, hopefully, you'll forgive me. It's not the end of the world. It's not the first mistake I've ever made. So, feel free to reach out. We're really proud of where we are with things, and we're really excited about our new asset management service, looking to scale all three services, the integrity income fund for accredited passive investors, the asset management service for the hybrid investor who wants control and support, and our one on one mentorship program for the active investor who really wants to learn from our mistakes over the years and wants access to our resources and network and wants to build their own mortgage note investing business. Thank you all for spending your time with us. That is your most valuable resource. Really I really appreciate that. And feel free to reach out. Labrador lending dot com, bateman james at labrador lending dot com, and I'm looking forward to adding a lot of value to you in twenty twenty six. Take care, everyone. 

Speaker 1

Thank you for joining us on From Adversity to Abundance. We hope today's episode has equipped you with valuable insights and practical advice to elevate your real estate journey. For more inspiring stories and resources, visit us at w w w dot adversity to abundance dot com. If this episode has inspired you, please share it with a friend who could also benefit from our conversation. Together, let's turn adversity into abundance. Until next time, keep building your mental fitness and your real estate empire. 

Speaker 2

Alright. Here's the deal. You work hard for your money. Isn't it about time you put your money to work for you? If you are an accredited investor, check out labrador lending dot com. Our integrity income fund provides monthly cash flow from an investment backed by hard physical real estate. Our income fund, which is uncorrelated to publicly traded stocks and bonds, invests in first lien mortgage notes diversified by geography, property value, and borrower type. So you're not investing in one project. You're investing in a diversified portfolio of first lien mortgage notes. Our integrity income fund aims to pay its investors monthly distributions at a preferred rate of return of eight percent annually. Possibly the best part though, the fund showcases a short twelve month commitment So you can invest your capital today and have access to that capital in one year. Check it out today. Labrador lending dot com.