Is this a legit Private Money Lender?

[Roxanne Cerga]

Came across 2 different person with offer of a Private Money Lending which provides LLC proof etc. But im still skeptical if its really legit. Seems too good to be true.

LOAN TERMS AND CONDITIONS

(1) Borrower must have an active bank account in his/her personal or company name which will be used to receive the loan funds transfer.

(2) Borrowers must have a valid means of identification (drivers license, national identity card, passport).

(3) Borrowers must provide a recent utility bill (phone, light, water, gas, etc...).

(4) Borrower must be able to provide at least two months' bank statement of the recipient account details as proof of signatory.

(5) The borrower is to provide a copy of the purchase contract agreement entered with the seller. If not available, the borrower should be able to provide any of the following documents for verification purposes before approval;

i.  Latest inspection report

ii. Appraisal report

iii. Executive summary which covers detailed descriptions of the project

(6) Borrower will start the repayment of his/her loan 2 months after the loan has been transferred. This period is referred to as the grace period before repayment.

(7) Borrower will be given four weeks (a month) grace to payback any outstanding repayments (loan amount) at the end of the loan duration before legal actions will be taken.

(8) Failure to make a monthly payment of  the loan seven days after the expected date/period, legal actions will be taken against the borrower by our attorney.

(9) Address:You must inform us about change of circumstances and must tell us promptly if you change your residential address or zip code, or if you think there is any information that we should be aware of.

(10) There is no early repayment penalty attached to this loan.

(11) Interest: Interest rate shall be 4% APR irrespective of the loan amount on monthly repayment basis.

(12) Repayment: This loan will be granted to you as either an interest+principal monthly repayment loan or as interest only monthly repayment with a final balloon payment of principal at loan closing. You  will have to confirm which works for you best.

(13) Loan Process: It takes the interval of 2 - 3 business days from application to funding.

(14) Loan Amount: Loan amount ranges from $20,000.00 - $10,000,000.00 maximum for real estate purposes.

(15) Loan-To-Value: We offer 100% funding for deals up to $1,000,000.00 and 85% LTV for deals above this amount.

(16) Loan duration: This loan will be offered to you for a duration of 1 month - 30 years maximum. 

(17) Loan origination: The borrower will be required to make a payment for the loan origination fee after his/her request has been approved for funding by my management. The origination fee will cost 0.10% - 5.00% of the loan principal amount (This fee depends on the requested loan amount).

I will need your confirmation if you are in agreement with the above mentioned loan terms and conditions before proceeding with your loan request.

Note: Copy of my business license for operation is attached to this email. You can review and confirm with my business ID NV20151007660 from the below Nevada Secretary of State link;

https://esos.nv.gov/EntitySearch/OnlineEntitySearch

Looking forward to hearing back from you and getting this process started as soon as possible.