Secured Cash Flow Notes By
Our Secured Cash Flow Notes, also referred to as Private Credit, are debt instruments that pay clients a fixed double-digit rate of return for 36, 48 or 60 months, in exchange for utilizing such funds for a specified period of time. Funds are not pooled with other clients - these are direct loans to Imagine Real Estate. Clients act in the capacity of a Lender and receive secured interest payments during the term. Imagine uses the funds primarily to purchase manufactured home Lease-To-Own (LTO) notes. See an actual example of a Loan Purchase Agreement here.​​​​​​​
How Are Funds Secured?
​Secured Cash Flow Note (Client's Security)​​
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UCC-1 Filing: Every Secured Cash Flow Note has a UCC-1 filing with the Secretary of State of Nevada listing all LTO Notes owned by Imagine Real Estate as collateral.
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Security Agreement: Every Secured Cash Flow Note has a Security Agreement that ties Article 9 of the UCC-1 filing to the client's Secured Cash Flow Note.
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Lease-To-Own Note (Imagine's Security)​​
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Security Agreement: Every Loan Purchase Agreement has a Security Agreement that ties the manufactured home's VIN/HUD to the loan (View Example).
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Grantor's Secured Obligations. If the LTO tenant does not make a payment due on the LTO Note, the Seller ("Grantor") of the LTO Note provides a written obligation to pay amounts due on the Loan Purchase Agreement to Imagine. (View Example).​​​
Proof of Collateral
Frequently Asked Questions
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Are these securities?​
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No. These are synchronized term loans made direct to Imagine Real Estate. Funds are not pooled with other investors, nor does the client have any equity in any fund or entity. Our SEC Attorney designed the documents to avoid being classified as a security. ​
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What is the interest rate?​
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We don't publish returns online, please check with your Imagine Agent to learn about the current interest rates.​
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Are these "guaranteed?"​
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These are secured notes with collateral. Imagine does not make any guarantees or warranties. Based on the how funds are secured as described above, clients should make their own decision based on their risk-tolerance.​
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Can I become a client without an Imagine Agent?​
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No. It is an Imagine Agent's job to educate you on the program and answer your questions.​
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Can I hold these notes in an IRA?​
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Yes. You can transfer retirement funds to Imagine IRA and hold these notes in any qualified plan, such as a Roth IRA, Traditional IRA, SIMPLE IRA, HSA, Defined Benefit Plan or Solo 401K without IRS penalties or taxes. You can also hold these notes as in non-qualified plan ("cash").​
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Are there any fees?​
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There are no fees whatsoever associated with these notes. If held in a Qualified Plan, the client would be responsible for annual fees which is typical for all custodians.​
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How am I taxed?​
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If a Non-Qualified plan ("cash"), clients will receive a 1099-INT for all interest earned.​
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Can I transfer funds from a Qualified or Non-Qualified Annuity into these notes?​
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Yes. Your Imagine Agent will help you through the transfer process.​
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Can I transfer funds from my brokerage account, such as Fidelity or Vanguard?​
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Yes. Many of these transfers are easy and can be done electronically. Your Imagine Agent will help you through the transfer process.
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