In a short conversational sales pitch, a former rental property investor (Speaker A) tells Toby (Speaker B) that they have just finished managing rentals and have capital they want to invest passively. Toby positions private money lending as a solution, highlighting his 30‑year experience, promising annual returns ranging from 10% to as high as 16%, and emphasizing that the investment is low‑risk because the lender sits in a first‑lien position. The investor asks about returns and risk, receives reassuring answers, and ends the call thanking Toby for his time.
Chapters
Hi, Toby. Quick question for you. My husband and I, we're just done managing rentals. Yeah, we've got some capital sitting around, but I don't want to get into any more property.
That makes sense. I'm telling you, managing tenants is a pain in the butt. That's a full-time job. What are you guys thinking about doing with your capital?
Well, I keep hearing promotional things from you on the private money lending. Can I get more information on that? I'm hearing that you could get 10%, 12%, even 16% interest. That sure sounds a lot better than having to take care of rentals.
I hear you. And it's what we call passive investment. So when you invest in the right deals as a private lender, it's extremely profitable.
Okay, but like, I'm not a lender, right? So I'm not gonna know what's a good investment and what's not.
Well, that's where we come in, because see, I've been in this space for over 30 years. So this is where you now align yourself with somebody who already knows the ins and outs, because you don't know what you don't know. We do.
So what kind of return are we actually talking about?
You'll be in as low as 10% annual return, but you could be as high as 12, 14, 16%.
So what's the risk?
So there really isn't any risk. The good news is you're in first lien position.
That sounds awesome. Thank you so much for your time.
