MI Investments
Presents
Private Lender Program
Secured by
U.S. GOVERNMENT BACKED BOND INVESTMENT
Loan Calateral
GNMA CMO IO
$3,000,000
Mininum Loan Size
Release 0011.
9550 S. Eastern Avenue, Suite 220 C * Henderson, Nevada 89123
702.608.7020 * info@MIInvestment.biz * www.MIInvestment.biz
Executive Summary
MI Investments’ (“MI”) Private Lender Program (“PLP”) achieves an lender’s first goal:
“Preservation of Capital” while providing 50% repayment of principal in the first 45 days.
The loan program is designed for conservative lenders seeking 50% repayment today and calateral
invested in government backed bonds. 100% of the loan amount is paid at the end of the 6- year
loan period.; with the repayment of the loan at the end of year six, the projected IRR will be in the
low to mid teens. The lender will have full transparency to montor the collateral and irrevocable
broker dealer instructions controlling the collateral.
Collateral
Collateral defined as " collateralized mortgage obligations interest only (CMO IOs)", based on US
GNMA bonds. As such, the interest payments are guaranteed by the U.S. Government. Note: if
the principal portion of the GNMA is refinanced or the underlying mortgage is terminated via sale
or default the interest payments will cease.
PLP Characteristics
 $3 Million minimum loan, unlimited maximum;
 Two Payments, 1st payment of 50% principal paid in 45 days, 2nd payment of 100% loan
amount, paid at the end of the 6th year;
 100% of collateral invested in GNMA CMO IO U.S. government backed bonds;
 Full Transparency;
 Projected IRR 10% + ;
 6-Year investment horizon;
 100% ROC
Loan Structure:
The lender shall receive (1) 1st payment of 50% within 45 days; (2) 2nd payment of 100% of the loan
amount at the end of the 6th year.
9550 S. Eastern Avenue, Suite 220 C * Henderson, Nevada 89123
702.608.7020 * info@MIInvestment.biz * www.MIInvestment.biz
Cash Flow Example:
Intial Loan
45th Day 1st Payment
73rd Month 100% Repayment
$10,000,000
$5,000,000
$10,000,000
No Early Call Provisions
MI Investments will invest only in government backed bonds, backed by the full faith and credit of
the United States government. No early "CALL” provisions are permitted for the term of the
investment.
Risk Profile
(1)The the U.S. Government defauls; (2) the broker dealer (i.e., UBS) defaults; (3) the pool of
GNMA bonds may have an early payoff or refiance. This is a very important disclosure, since MI
is acquiring the CMO IOs (Interest Only) if interest rates decline the risk of refiance increases; if
homeonwers refiance the value of the CMO IOs can drop down to zero. If homeowners sell in
decling interest rate environment, the CMO IOs individual value will is zero. Therefore in a
declining interest rate environment the risk is high.
In a rising interest rate environment the value of the CMO IOs will incrase. The optium time to
invest in CMO IOs is when interest rates are low, not much room for rates to drop lower, and the
interest rate environment will increase over time. As interest rates increase, the value of the CMO
IOs will increase do to the fact that they become more secure with less probability of refiance or
default risk or sale of homes.
MI will monitor each investment pool and may sell a pool that has a trend toward payoff or
refiance.
Exit - ROC
At the end of the investment period MI shall return 100% of the loan. If the CMO IOs increase in
value, MI may exit out of the bonds early.
9550 S. Eastern Avenue, Suite 220 C * Henderson, Nevada 89123
702.608.7020 * info@MIInvestment.biz * www.MIInvestment.biz
Further Information:
Michael N. Mirolla, Managing Member
MI Investments
Tele: 702.608.7020
Email: MMirolla@MIInvestment.biz
www.MIInvestment.biz
DISCLOSURE STATEMENT
“The information contained in this document is intended to be informational only and is not a solicitation to sell
securities. This information is general and educational in nature and qualifies as a “general advertisement” under Rule
506 of Regulation D, as promulgated by the Securities and Exchange Commission pursuant to the Securities Acts of
1933 and 1934. Any actual offer to sell securities will be controlled by the terms and conditions of any disclosures
made subsequent to discussions with potential investors. This information is intended for use by accredited investors
only, and any use by persons or entities that are not accredited investors, as defined by Regulation D, is unauthorized.”
9550 S. Eastern Avenue, Suite 220 C * Henderson, Nevada 89123
702.608.7020 * info@MIInvestment.biz * www.MIInvestment.biz