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Offerings

An alternative way to invest in real estate that isn’t tied to the stock market.

the why

Why Choose Seveney Investments?

At Seveney Investments we take pride in our ability to build custom opportunities for our investors that fulfills their financial goals. We take the time to understand what you’re looking for and help you envision a long-term and short-term investment strategy.

Seveney Mortgage Note Investing

Ways To Invest

Note Funds

Diversify and grow your portfolio for the long haul through our mortgage investment fund backed by secured real estate.

Partials

A customized investment that targets providing monthly payments of interest along with returns on principle.

Mentoring

Learn while you earn. Tap into two decade’s worth of real estate expertise to help you manage your assets and increase your earning potential.

Management

Keep your portfolio active but leave the day-to-day management and oversight to us. 

The Details

Note Funds

Accredited investor note funds give you access to a professionally-managed fund.

Ideally suited for passive investors with moderate to high capital contributions.

The Stats

  • Preferred rate of return: Target 10% per annum + potential for excess distributions
  • Offering Amount: $1M
  • Minimum Investment: $25K
  • Primary Asset Type: 1st position mortgages
  • Investment Duration: 3 years

HOW THE FUND WORKS

01. We receive mortgage payments from the borrower.

02. We distribute quarterly preferred returns to our investors.

03. We share profits with our investors when the loan is paid off or sold.

Seveney Mortgage Note Investing

Fund Investment Benefit:

Above Average Returns

Preferred Rate of Return paid quarterly with excess cash distributions.

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Secure underlying asset

Investment is secured by real estate and is not correlated to the markets.

Liquidity & diversification

Notes offer high liquidity and returns are not predicated on a single asset.

The Details

Partials

Partial notes have the potential to provide above average returns and a steady stream of cash flow. Cash flow can be tax-free or tax-deferred if used properly within an IRA.

Ideally suited for lower risk investors acquiring a first-position stream of payments with loan to values typically <50%.

Unsure how to properly set up your self-directed IRA investment? We’ll connect you to our preferred list of advisors to help you take care of that.

The Stats

  • Interest rate: 9% on average
  • Minimum invest: $5K
  • Primary Asset Type: 1st position mortgage loans 
  • Investment Duration: Average 3-10 years

HOW THE FUND WORKS

01. We create a program customized to meet investor objectives.

02. We receive the mortgage payments from the borrower.

03. We distribute monthly returns to our investors.

Seveney Mortgage Note Investing Offerings

Partial Investment Benefits:

Velocity of money

With no additional out-of-pocket expenses or fees.

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Secure underlying asset

With loan to value typically below 50%.

Tax-deferred

Interest income is tax deferred if investing with an IRA. 

The Details

Management Services

Our Management Services arm mitigates risks and keeps your portfolio active without requiring daily oversight by you.

Ideally suited to those with some prior knowledge and experience investing in real estate, as well as those who want to invest in notes, but not become a “note investor”.

You’ll Gain:

  • Access to personal and practiced real estate expertise
  • Ability to focus on growing your business versus working in your business
  • Access to preferred and trusted Seveney consultants (realtors, attorneys, title, servicing, and preservation companies, and more.)
Seveney Mortgage Note Investing

How It Works:

Step One

Investor obtains a Mortgage Note Under Agreement before the consultation period. 

Step Two

During the initial consult, we discuss the level of service and engagement structure for managed services.

Step Three

Seveney and our investor partners manage until the investor is ready to exit.

The Details

Mentoring

Our Mentorship Opportunities aim to cultivate the next wave of educated note investors. We assist with managing the note as part of the monthly fee and bill hourly for additional training and consulting.

Ideally suited to those looking to gain first-hand knowledge while having an experienced note investor advising them along the way.

Please be advised: Seveney does not source notes. Investors must seek a potential note to acquire prior to commencing consultation period.

You’ll Gain:

  • Access to personal and practiced real estate expertise
  • Access to preferred and trusted Seveney consultants (realtors, attorneys, title, servicing, and preservation companies, and more.)
  • Customized management services and consultation
  • Ongoing communication throughout the life of the loan
Seveney Mortgage Note investment options

How It Works:

Step One

Investor obtains a Mortgage Note Under Agreement before consultation period.

Step Two

During the initial consult, we discuss the level of service and engagement structure for either mentorship or managed services.

Step Three

Seveney and our investor partners manage to a successful outcome.

Reputation: David Chance, Victory Notes

"I met Chris Seveney of 7E Investments several years ago and since then have partnered or invested with him on several different ventures.  He is known throughout the note investing community as being extremely knowledgeable and forthcoming with solid advice.  I am currently in several investments with him and will continue to partner with him in future endeavors.  I highly value Chris's mentorship and willingness to share his extensive experience.  He has my full recommendation.."  

Reputation: cheryl

“I was relatively new to note investing and hesitant to jump right in on my own. Chris made note investing easy. Best of all he is always quick to share his knowledge and his resources... [Chris is] a great team player and valuable mentor.”

 

Reputation: IAN

“Chris and 7E Investments is very knowledgeable in the note space. He has the experience to be successful and I have always felt my investments are safe. He is looking out for your best interest. Chris always has the time to explain and teach as well, which is a priceless attribute!”

Reputation: Greg

“We definitely made the right call to partner with Chris Seveney at 7E Investments for our first deals. Chris maintained excellent communication and made himself available to answer any questions we had regarding the process.”

Reputation: Tony

"Chris has shown integrity that I have not seen in many people. As a new investor, we did a deal together that worked out very well for us. When I was comfortable acquiring my own assets, I purchased one from Chris which turned out to have issues that did not show up on any reports but was brought to our attention when we tried to record the documents. Chris offered to buy back for full-price and cover any costs. He sent back my entire purchase price. I have also purchased 3 partials from Chris. I was about to purchase 2 more partials when COVID hit. I backed out at the last minute and Chris took no exception and was very understanding. I highly recommend working with Chris. He is a stand-up person and a great mentor."

Reputation: Eric
"Chris has been excellent to work with. He practices what he preaches and is always responsive in answering your questions and will take the time to inform you on your investments. He is open, honest and looks out for your best interests"
Reputation: Jack

"There are a lot of people in the Note Investing space that you could partner with but few are as open, honest, and knowledgeable as Chris Seveney at 7E Investments. I've done quite a few deals with Chris and am continually impressed with his professionalism and level of communication during the various stages of the deals. I highly recommend any new note investor to work with him so that you can learn from him, experience great returns, and see how to model your business."  

Our Track Record

Deals Managed

MILLION $ Deal Valuation

States Across the u.s.

YEARS COMBINED REAL ESTATE EXPERIENCE

Seveney Mortgage Note Investments
Become A Part Of The Seveney Family Of Investors

Ready to get started? Want to know more? Contact us with any questions and to book a discovery call.

FAQ’S
Why Invest in Distressed Mortgages?

Notes are secured by an interest in the property perfected by a mortgage or deed of trust. Since notes are discount from the loan balance and property value, it can provide the flexibility to either assist the homeowner in a new payment plan or pursue legal action only when necessary to secure our interest in the property.

Why Own the Note Instead of the Owning Property?

If you drive through a metropolitan area, what is the sign on the tallest building say? Nine out of Ten times the sign will be a bank. Being the lender reduces the likelihood of owning property for investment which comes with the headaches of being a landlord. . How many times have you called your bank to fix your toilet?

I Have Heard the Terms “Performing” and “Non-Performing” Note, What is the Difference?

Performance refers to how well the borrower has been at keeping payments current on the note. When a borrower is current on their mortgage it is “performing”. If the borrower falls behind on payments greater than 90 days then the loan is considered “non-performing”.

Can we invest in Notes using a Retirement account like a Self Directed IRA or Solo 401k

Absolutely!  Many of our investors use their self-directed IRA to invest in notes. In fact, a vast majority of private investors take advantage of the tax savings offered through a Self-directed IRA, ROTH, Solo 401k, or SIMPLE plan. The purchase is coordinated through your account administrator using their Direction of Investment (DOI) form and process.

What is the benefit of investing with an IRA?

One of the most important benefits of an IRA is the ability to grow your money tax-deferred. With IRAs, you won’t pay current income tax on any investment gains, until those earnings are withdrawn.

Do You Do Joint Venture Deals?

We do not do individual joint ventures. If you were interested in an individual joint venture we can provide recommendations to you on investors who do joint ventures.

 

Do I Need an Entity such as an LLC to invest in notes?

We are not accountants or legal professionals and you should seek the advice of these professionals in order to make this decision as every person’s situation is different. We will state that if you are in our management or mentoring program, the note is owned by you/your entity. For all notes we own, none are owned in our personal name. 

Do you only buy notes in your local area?

No. We have built an expansive network of realtors, attorneys, property preservation companies and other investors from across the united states and currently own notes in over 35 states all the way from Arizona to Maine to Florida and in between.

Do you buy both first and second position loans

At this time our focus is on first position loans. While we do hold several second position notes in our portfolio, it is not our primary focus.

FUND FAQ’S
What is an accredited investor?

According to the SEC an individual accredited investor is anyone who either has earned income of more than $200,000 (or $300,000 together with a spouse) in each of the last two years and reasonably expects to earn the same for the current year, or Has a net worth over $1 million, either individually or together with a spouse (excluding the value of a primary residence). The definition was recently changed and can be found here https://www.sec.gov/rules/final/2020/33-10824.pdf

Does your Fund only Acquire Non Performing Notes?

No. The Fund is acquires performing and non performing loans to acquire a balance to maximize returns while minimizing risk by following Modern Portfolio Theory https://www.investopedia.com/terms/m/modernportfoliotheory.asp

Will I Be Able to Personally Review All the Documents When Investing in The Fund

Absolutely!  We are big believers in transparency. We will provide a link to investors for all the files that are part of the loan collateral.

Do our Funds obtain Leverage?

Our funds do not leverage the assets. By not leveraging the assets, Self Directed IRA Investors would not be subject to UBTI (unrelated business taxable income)

What are your Reporting Procedures?

We are true believers in transparency, therefore we provide investors with a live portal where they have access to the current status of every asset in the fund. Investors also have access to balance sheets and P&L statements which are updated monthly. Every quarter we host a live webinar to review the financials and overall status of the fund.

Can We Reinvest our Distributions?

Unfortunately at this time we are not allowing the distributions in the fund to be reinvested back into the fund. But we do allow for investors to invest in funds and partials simultaneously.

How Long is the Fund Open For?

Since our funds offer excess cash distributions and not a straight preferred return only, our funds are only open during a brief 2-3 month period of capital raising. Since Note Funds derive the majority of their profits when the asset is sold, it would not be fair to allow investors to enter the fund in the middle or end of the funds term.

PARTIALS FAQ’S
Are there any additional fees when buying a partial?

No. The monthly payment and interest rate are not lowered due to added fees.

What happens if a partial note goes non performing?

We will consult with each other and determine a resolution which includes continuing to pay on the partial or buying out the investor if the loan is more than 120 days past due. We have done over 50 partial deals and have never missed a payment to an investor.

When Buying a Partial, who sends me the payments?

Unlike some other investors who sell partials, we do not have you manage or collect payments form the borrower. We will continue to hold the note with our servicer and payments are made to you through us via ACH typically on the due date. You are not responsible for chasing the borrower for the payment.

When Buying a Partial, is the mortgage recorded in my entities name?

We will execute a Partial Purchase Agreement and Assignment. This is a contractual document but it does not get recorded with the local jurisdiction but is fully enforceable if there were ever to be a default.

What is the Min. Investment for a Partial?

Partial investment can be for as little as $5,000.

What is the term for a Partial?

Partial agreements average five years but can be as short as three years and as long as 10-12 Years. We work with the investor to tailor a custom solution to meet their financial objectives.

With a Partial, are the payments Interest Only?

No. Partial payments are Principal and Interest to the investor at the agreed upon rate.

MENTORING FAQ’S
Will you help me find a note to purchase?

We can provide you with information on where to source notes, but we do not source notes for you.

Can I Buy Notes From You To Mentor Me On?

Unfortunately we will not sell a note in our portfolio to someone who seeks mentoring as we view it as a conflict of interest. We have a fiduciary responsibility to sell our notes for the greatest value and at the same time would mentor the investor on acquiring notes for the best value.

Who owns the note as part of your mentoring program?

You will be the owner of the asset. We will be a consultant to you just as a servicer or attorney would be.