Frequently Asked Questions (FAQ)

Private Lending

What is the least amount that I can invest?

Our private lenders have lent as little as $20,000 and as much as $500,000 on a single project. We try to match Private lenders with a project that they can confortably fund.

How much will I make from investing through Aubart & Associates?

You will earn 12% APR on your investment. For example: if you invest $100,000, then you will earn $1,000 each month until all your principal and interest are paid back, AND you will be paid back a minimum of six months of interest even if the house sells faster than that. Remember, you won't get your money back until the project is completed and sold. EXAMPLE: if the flipper holds your money for six months, you would get paid $106,000. If 12 months, then you would get paid $112,000. * In the unlikely event the developer holds your money beyond 12 months, your interest rate will increase to 16% and will continue at 16% until you are paid all principal and interest.

What happens if the real investor defaults on my loan?

In the very unlikley event that the real estate flipper defaults on your loan, we woud take possession of the property on yur behalf, sell the property. and return your money. All of our contracts include a non-judicial forclosure clause which allows us to represent you in selling the property without the need for a lawsuit.

How long will it take to get my money back?

These short term, buy/repair/sell projects are intended to be relatively quick, but no one can guarantee exactly how long it will take. Typically, it takes our developer 3-5 months to close on a property.

How do you choose your real estate developers?

We only work with select real estate investors ("flippers") who we know personally and to be of good character, successful, honest, experienced and who have a good reputation for really good work. We only do business with flippers who adhere to our core values of honesty, integrity, loyalty, and professionalism. And we gurantee each investment.

Do I have to pay anything to invest through Aubart & Associates?

No, You do not pay anything to lend through us. We provide our services, experience and support for free to our private lenders. You will never be asked to pay anything.

How do I get started?

Simply call me at (808) 426-0816 or email me at, or use the form at the bottom of this page, and we can setup a time for you and your spouse to meet with me to discuss private lending. There is no obligation and you have nothing to lose. Kevin T. Aubart, Administrator Aubart & Associates, LLC

What is the minimum number of months of interest I will receive?

Even if the property sells in less than six months, you will recieve a minimum of six months of interest at 12% APR.

Do I have to negotiate terms or fill out paperwork?

No. Among other things, we will negotiate all terms & conditions and prepare all paperwork in your best interest. We don't work for the flippers, we work for you, the private lender.

What if it takes longer than 12 months to close on the property and return my money?

In the unlikley event the project exeeds 12 months, the interest you will recieve would increase to 18% until your money and interest are paid in full.

What is the After Repair Value (ARV)?

The ARV is the value of the property after all repairs and remodeling have been completed be the developer.

What is the 70 percent rule when applied to fix and flipping houses?

The 70 percent rule states that it is safest to invest no more than 70 percent of the ARV (After Repair Value) on a real estate fix & flip.

© 2018 Aubart & Associates, LLC

"Private Lenders for Short-Term Real Estate Transactions"