It is More than Just "The Case Against Annuities": It is the Case for Private Mortgage Notes! :- American Tax and Annuity Advisors is alerting investors about "The Case Against Annuities."  The group makes a number of very compelling points in its publication against annuities, which are contracts with insurance companies for a payment stream in the future.Should you be investing in annuities?  

To receive that, an investor must pay up front with a large chunk of money.  Annuities are very rigid investments with limited appeal, suitable only for rounding out an investment portfolio.  In an investor wants to terminate an annuity, there can be a very stiff surrender charge!

Long story short: anything that any annuity can do, financing a private mortgage note can do much, much better!

As just one example of this, American Tax and Annuity Advisors warns that, "If you hope to leave your annuities to your heirs...I have some bad news...When you pass, a combination of estate, federal, state and local taxes will have your annuities to pieces.  And there won't be much left after Uncle Sam takes his cut.  In some cases, only 24% will remain after the annuity-owner passes."

For private mortgage note investing, there is no such concern.

"Private mortgage notes offer much, much more flexibility to an individual than virtually any other investment, especially an annuity," advised Shaun Cohen, the President of Equity Finance.  He furthered that, "The returns are historically much higher for a private mortgage notes, too.  At Equity Finance, we have a fully documented 12% return for private mortgage note investing...and that return can be passed on to your heirs with the proper estate planning." 

Equity Finance is the funding unit of EquityBuild, an established real estate investment company with a long history of success in a wide range of real estate transactions.

Private mortgage notes are the financing provided for the purchase of a property from a private party lender.  The property can be commercial or residential.  Investors can participate in private mortgage note lending through financing specific transactions or as part of a consortium that underwrites the buying of one or more properties.

Unlike an annuity, there is complete flexibility in setting the terms of a private mortgage.  The parties that are making the deal establish the terms so that all gain.  That does not happen with an annuity as it is based on what the insurance company offers.  Needless to state, an insurance company does not sell these and other products to lose money so do not expect the terms to be to the benefit of the individual buying an annuity!

The flexibility of a private mortgage note can be buffered with tax protection by holding it in a retirement account.  That allows for any capital gains or income received to be tax free.  From that, private mortgage notes can be flipped time and time again for profits; and there will be no taxes, so long as it is done properly in a retirement.  The gains can be much, much greater when a private mortgage note is part of a retirement account such as an IRA or 401K so that Uncle Sam and state and local tax authorities are not a participant in the deal!

"I am not telling anyone not to buy an annuity: that is a personal matter to be discussed with one's financial advisor.  But I am letting all know about the benefits of financing private mortgage notes for high yield real estate investing.  We have a posted an annual 12% return here at Equity Finance with very flexible terms: that is a very strong case for private mortgage notes," observed Cohen.