Can Blacks Benefit From the Mortgage Meltdown?
Kenneth Autrey, Fund Manager
BlackNews

The little known about, but very profitable mortgage trust deed investing is a corner of the market that KEADA Capital, a black owned business is educating more African Americans about. Not only is trust deed investing little known among Euro-Americans, but even less known among African American investors.
The average investor is primarily aware of large Wall Street brokerage firms that offer risky products like mutual funds, stocks, and bonds that are for the most part complicated to understand as well as frightening to venture into. These investments are always preempted with the disclosure of high risk in every portfolio. Where in trust deed investing is a type of investment that offers mortgage backed notes that secure the investor's funds.

KEADA Capital offers an extremely secure approach to these mortgage backed trust deeds. To put it simple, they take everyday investor's funds and fund mortgage loans for those individuals, primarily in the African American community that find it difficult to get a mortgage loan approval. These loans are secured primarily by the equity of the property. Therefore, removing the majority of the risk for the investor. The remaining risk is mitigated by KEADA Capital's subsidiary company American Mutual Financial, Inc. (AMFI). AMFI, is a black owned real estate and mortgage brokerage with both licensed loan officers and licensed real estate agents that offer credit restoration assistance, alternative financing assistance, and in worst case scenarios, listing of foreclosures and provide qualified buyers for those foreclosures.

Essentially, a forclosure is the worst case scenario of a trust deed mortgage loan and would be the ultimate concern of the trust deed investor, however, with AMFI as the subsidiary real estate and mortgage brokerage of KEADA Capital, it provides risk management to the investor portfolio. So you say, where does the average African American get investment funds? One of the greatest kept secrets is IRA's. They can legally be used in trust deed investing through the proper FDIC insured facility. PENSO, is such a facility. PENSCO is an IRA custodian that is FDIC insured to $250,000 per client to invest their clients IRA's in qualified mortgage funds like KEADA Capital Investment Fund.
So, then the final question is, what type of return can be expected from first trust deed investments? The lowest average return is 8 - 11%, which means, given an actual 10% return, the minimum investment of $25,000 can double every 7.2 years. This certainly beats Wall Street, which generally requires much higher risks and much higher minimum investment amount and little patronage to the African American community.
For more information, please visit www.keadacapital.com

CONTACT:
Deborah Autrey
Deborah@keadacapital.com
818-243-9500
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