Option 1: The Quickie
Term: 1-6 months
Investment amount: $5,000-20,000
Yield: 1.25% Monthly Interest (15% Annual Return)
Payback: Paid in full at end-of-term
Example: $10,000 Investment for 6 months, pays back lump payment of $10,750 at maturity date. Total ROI $10,750
Option 2: The Sweet Spot
Term: 3-12 months
Investment amount: $10,000-50,000
Yield: 1% Monthly Interest (12% Annual Return)
Payback: Interest paid out monthly, principal returned in full at end-of-term
Example: $20,000 Investment for 6 months, pays back $200 per month for 1 year, with $20,200 final payment at maturity date. Total ROI $22,200
Option 3: The Happy Face
Term: 6-24 months
Investment amount: $20,000-100,000
Yield: .83% Monthly Interest (10% Annual Return)
Payback: Monthly payments of principal & simple interest, no prepayment penalty
Example: $50,000 Investment for 1` year (12 months) pays back $4583.33 per month for 1 year. Total ROI $55,000