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Raymond Braun

Episode 157: Truly Passive Investing

R. E. Capital, LLC was founded by Mitch Stephen and partner Raymond Braun. Collectively they have purchased and sold over 1,500 houses in the San Antonio, TX area since 1996. They have purchased a very large portion of these properties with private funds loaned to them by private individuals.

The premise is very simple: Private individuals loan money for a fair interest rate and they get the 1st Lien Rights on a property they lend on. Each loan stands alone; 1 Lender, 1 Borrower, and 1 property pledged as collateral.

Conservatism the foundation of the business, the collateral property is always worth at least $35% more than the loan at the time of the loan. In most cases, the equity is worth MORE than 35% of the loan. Lenders either get paid the interest rate as agreed or they get the collateral (the property).

That being said, R. E. Capital, Mitch Stephen and Raymond Braun have never given a property back to any lender Traditional or private. Dealing with houses is nothing new to Mitch and Raymond. This duo has dealt with thousands of properties over the years and they know what to do with properties in distress …lenders are spared the details, they just get paid.

What you’ll learn about in this episode:

  • How Mitch and Raymond got started in the hard money loan business.
  • The importance of establishing a system for success.
  • Why investments in the hard money loan business could be considered more favorable than other traditional investments.
  • Why there is nothing passive about renting houses.
  • The importance of the “Loan to Value.”
  • The importance of third party appraisals.
  • How to get comfortable with a loan before making it.
  • The benefits of working with a private lender rather than banks.
  • Why you shouldn’t be surprised if a deal needs to be funded really fast.
  • The value of strategies that have survived tough times.
  • Why everyone should have a large portion of their money backed by physical assets.



Free consult with Mitch Stephen or Raymond Braun.

Mitch Stephen

Raymond Braun


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