Real Estate WEALTH Part 11 by REALTY411

Wealth Real Estate

The Future of Real Estate

Look for Free eBook Downloads Inside!

Vol. 2, No. 1 Spring 2012

Secret #7 - How do I Make Money? There are several exit strategies possible with a note. 1. Settlement – borrower to settle at large discount 2. Re-sale Re-sell note to a third party investor 3. Modification – Creating long term ROI 4. Deed in Lieu of – Taking ownership of the property 5. Foreclosures – Creating leverage 6. Sell the property – Sell, refinance or short sale If you are looking for the best way to invest with returns of over 12% then this is for you. Notes can mature at a much higher rate. Asset Ventures doesn’t promise you extraordinary returns each and every time; however, there have been returns at over 100% or more in some cases. If you want to learn more or invest in notes, please contact us. Feel free to visit our website at www.assetventuresllc.com. Or, if you still prefer the personal touch, please feel free to contact our office for a free consultation on all our services at 855-798-1411.

National REIA elects Tim Norris to 2012 Board of Directors

ongratulations to Tim Norris, an investor and president of the National Real Estate Insurance Group and Affinity Group Management, for his recent appointment to the National REIA’s Board of Directors. Norris continues his commitment of service to the National REIA, he is a former board member of the Cincinnati REIA. The National REIA (Real Estate Investor’s Association) is a 501(c) 6 trade association made up of investment clubs throughout the United States. The interests of approximately 40,000 members are represented by the National REIA. One of the changes that Norris is excited about is the implementation of local chapters within the organization, which he feels will help drive memberships into the organization. Realty411/reWealth magazine is a member of the Santa Barbara REIA, a club affiliate of the National REIA.

Retire in Style, Here’s How pg. 17

other company-managed property. Some tenants become homeowners in a lease-toown scenario. “It’s traditional in the areas that we do rental properties that it’s very rare for people to move more than a few blocks away

Want to Make a Fortune in Notes? We have the Blueprint for Success

from where they grew up,” Dannenfeldt said. “So we feed into locations that have that kind of cultural bias where then we can keep people with us for the long-term and also attract their family members into our system as well.” For more information, please visit online: PropertyPartners1.com

ϮϲϮϱ DĂŶŚĂƩĂŶ ĞĂĐŚ ůǀĚ͕ ^ƵŝƚĞ ϭϬϬ ZĞĚŽŶĚŽ ĞĂĐŚ͕ ϵϬϮϳϴ

ͻ ^ŽƵŶĚ /ŶǀĞƐƚŵĞŶƚ ^ƚƌĂƚĞŐǇ ͻ /ŶĚƵƐƚƌǇ >ĞĂĚĞƌ Θ ^ƉĞĂŬĞƌ͕ dŽŶǇ DĂƌƟŶĞǌ ͻ WƌŽǀĞŶ dƌĂĐŬ ZĞĐŽƌĚ ŽĨ ^ƵĐĐĞƐƐ ͻ DĞŶƚŽƌ ƚŽ ƚŚĞ EŽƚĞ /ŶĚƵƐƚƌǇ

sset entures LLC ĐƋƵŝƐŝƟŽŶ ĂŶĚ ZĞƐŽůƵƟŽŶ ĨŽƌ ƚŚĞ ŶŽƚĞ ŝŶĚƵƐƚƌǇ

www.assetventuresllc.com (855) 798-1411

Buy, Hold & Rent in Cleveland

eet Sean Whalen, the CEO of BH&R (Buy, Hold & Rent) Properties in Cleveland, Ohio. He started his company three years ago, ostensibly to take advantage of the market downturn, but he’s no rookie. Whalen has been involved in real estate for 20 years. He grew up in a depressed area of Cleveland. His family eventually moved, but his dad maintained the management of the property they owned (and lived in) and eventually deeded the property to him. Whalen decided to maintain his residence there and work on the property. It was a fortuitous decision as the neighborhood began to transition with the influx of artists and new restaurants. Whalen points to the fact that the neighborhood had distinct boundaries that set it apart from other

communities, and this greatly aided its transition. The area is now one of the most expensive in Cleveland and Whalen’s career was born. He says the market in Cleveland has definitely leveled off, as there was no bubble to burst in the area, as happened in so many other markets (including Los Angeles, San Francisco, and New York). All of his investors are from outside the area, most from outside the country (e.g. Canada, China, Australia). Rather than selling to a potential residential customer, Whalen specializes in selling to investors (typically they buy more than one property, he says). He gets his customers the old fashioned way: by word of mouth from having previously done a good job for a customer. He has a lot of relationships with affiliates

by Isaac Newkirk III in the business and through traditional advertising. He firmly believes in the necessity of thinking outside the box due to the economy becoming increasingly smaller and the market becoming global. The properties of BH&R are turn-key; the investors buy, BH&R re-habs the property from top to bottom, and then, they advertise for tenants. From there, the in-house property management component of his firm takes over (continuing to provide for the property as if it has never been sold). Essentially it’s a worry-free, hands-free operation for the investor. In years past, BH&R had done substantial business with the government through its Section 8 Housing Program. That represents a much smaller segment of their Continued on pg. 42

True Wealth is Created by Holding Property Long Term We offer completely re-habbed 1 and 2 family homes in Northeast Ohio. Home range from $50,000 - $75,000 bringing in rent from $700 - $1,100 Enjoy a HUGE return on your investment We manage properties We have 20 years experience

3Refer a Buyer and Make $2,000! BuyHoldRent.com Realty411Guide.com

To learn more about us and view our inventory, visit BuyHoldRent.com or call 216-240-7363. PAGE 26 • 2012

reWEALTHmag.com

Find Real Deals, pg. 18

there is a strong element of timing involved when locating motivated sellers. The most effective way of getting this aspect of timing to work for you is through consistent marketing. Direct mail, classified advertising (both online and off) and websites are the tools of the trade. Use them all. Regardless of the “silver bullet” that was just promoted by the last guru that came to town, it’s still a numbers game. The more marketing mediums working, the better. Step 4 - Answer the phone. Seems simple enough, but it’s this step that’s most frequently missed. There are many schools of thought on how an investor should receive incoming calls, but in my book there’s only one way. Answer the phone when they call you. There’s no better time to talk with a motivated seller than when they call you. Because they called at a time when it was convenient for

them, you’ve got their undivided attention and they are ready for your solution to their need. Investor Tip: Pick up a “cheapy” dedicated cell phone exclusively for the purpose or your motivated seller marketing. Place this phone’s number in all of your ads and use it nowhere else. When it rings, you’ll know... game on! In summary, a real deal defined is a property that meets your criteria and a seller that will meet your terms. By knowing, and sticking to, your property criteria and minimum terms, finding deals isn’t so difficult. Take it from someone that has transformed their investing business (0 to 60+ deals) in the last eighteen months adhering to this wisdom. It’s amazing once you know exactly what you’re looking for and where to find it how much more often it appears. To your success! Matt Theriault is an author, entrepreneur and host of the

Terica teaches how to Invest Out of State, pg. 15

What I’ve learned in real estate is that the only way you learn is when you lose. And so I would say, ride the backs of other people so that you can shorten your losses. Question: For as long as I can remember, the key to personal wealth has always been real estate. Is that still the case? Terica: I think so. I think it lies in the diversification. When you compare stocks to real estate, the returns are slower, but right now, you’re able to get double digit returns secured, and the tax shelter aspect [of real estate], plus you have leverage, so you don’t have to use all fastest growing real estate investing podcast on iTunes. Visit www.EpicProfessionals.com for more information and to retrieve his free real estate investing course “How to Do Deals — No Money Required.”

your money, but you have the benefits of the entire asset. It’s a gold mine. Question: What are your goals for 2012? Terica: My personal goal for this year is to remain healthy. Professionally, I want to continue making an impact in the lives of the middle class investor by helping them build real estate portfolios that get them out of the rat race. I want to convert all of the tenants we have into home owners so they can build a legacy for their families. I would like to continue to expand into more markets, thus creating new jobs, revitalizing more communities and doing my part to help America rebound from this depression. To reach Terica Kindred, principal of Out Estate Investments, please call: 866-488-1820 or email Tkindred@outestate.com

Closing Loans & Opening Doors Since 1960

We specialize in*

3 Investment Properties 3 Up to 10 Financed Properties Allowed 3 Credit Scores, 620 or higher 3 Direct Fannie Mae Service/Seller

Please Contact Us for More Information

Ph. 901.598.9458 email:GosserBighaus@guildmortgage.net Address:3500-188th Street SW,#121,Lynnwood,WA 98037 Stephen Bighaus Loan Officer Individual MLS #112825 TN MLO-57558 WA MLO-11285

Ric Jason Gosser Loan Officer Individual MLS #120413 TN MLO-57820 WA MLO-120413

With Great Service & FAST APPROVALS: We’ll take care of you!!

ΎdŚĞ /ŶĨŽƌŵĂƟŽŶ ĐŽŶƚĂŝŶĞĚ ŚĞƌĞŝŶ ƐŚĂůů ŶŽƚ ďĞ ĐŽŶƐƚƌƵĞĚ ĂƐ Ă ŐƵĂƌĂŶƚĞĞ ŽĨ ůŽĂŶ ĂƉƉƌŽǀĂů͘ ůů ůŽĂŶ ĂƉƉƌŽǀĂůƐ ĂƌĞ ƐƵďũĞĐƚ ƚŽ hŶĚĞƌǁƌŝƚĞƌ ĂƉƉƌŽǀĂů͘ ƋƵĂů ,ŽƵƐŝŶŐ >ĞŶĚĞƌ͘ ŽŵƉĂŶǇ ED>^η ϯϮϳϰ͘ ƌĂŶĐŚ ED>^η ϯϳϴϬϭ͘ t ƌĂŶĐŚ >ͲϯϳϴϬϭ͘ dE ƌĂŶĐŚ ϰϰϳϬͲϰϯϭϱ͘

Why Dallas / Ft. Worth is One of the Best Metros in the US

by Tom Wilson

Are there markets that don’t recommend being a have weathered the downreal estate investor…unturn well, are superior in less you have a well-demany of the parameters fined strategy, quantitative above, and have had relagoals and are dedicated to go by tively calmer waters durthe numbers and not by unsuping these past few tumultuported advice or emotions. ous years? My engineering training and Indeed, my experience 30 years of experience managin more than 1,800 unit Tom Wilson ing high-tech profit centers in transactions, over 35 years Silicon Valley taught me how to analyze for has revealed that Dallas / Fort Worth is one the best return on investment in any mar- of the best real estate investment markets ket. in the United States; that is why I chose Today, the principles of analysis remain it for most of my personal portfolio long the same. Anyone can do it, however, one term holdings. needs to be very disciplined and educated The strengths of Dallas / Ft. Worth are: about the submarkets and products, or ride •Business and financial capital of the the coattails of someone who is. South. The primary parameters for selecting •The highest rent per invested dollar for a the best investment markets are: major economic center in the United States, •Rent to purchase price ratio and therefore, the highest cash flow •Population growth and inward migration •One of the lowest risk and safest harbors •Employment growth and business climate in the United States for real estate •Housing affordability •Lowest housing price decline from peak; •Location only US single-digit depreciation metro •Cost of living •Fourth largest and one of the fastest grow•Rental market ing MSAs (Metropolitan Statistical Area) •Current and projected market conditions in the United States. Projected to double Now that speculative investing for fast population to 12 million by 2030 profit has gone the way of the last super- •Broad-based economy that has had double model, the wise investor is focused on cash the employment rate growth of the United flowing assets and safe harbors. States during the past decade •No. 1 ranked business climate in the United States •No state income tax •Leading MSA for corporate headquarter relocations and expansions •Second leading MSA in US for Fortune 500 corporate revenue •Most afford-

Las Vegas Worst

Realty411Guide.com

Dallas Best

PAGE 28 • 2012

able housing of top 20 cities ($116,000 median Q3 2011) •Central location in the United States attracts companies desiring time zone and distribution competitive advantages •DFW airport is the third busiest in the world •One of lowest cost of living major MSAs, yet above average household income •Highest millionaire growth rate in the United States •Strong rental market (95% occupancy Q4 2011 for single family homes) •Very landlord friendly Yes, the national economy crisis has affected even DFW, but not significantly compared to other MSAs. Texas is the second most populous state, so there are indeed many home foreclosures, especially since there is such low housing costs and consequently a high percentage of government backed loans, but in spite of this, the Texas delinquency and foreclosure rate is relatively low compared to other states. I believe that these factors are another strong indicator of whether a metro has hit bottom yet, and that many cities and states have farther to go, so selecting the lowest risk metro is as important as seeking high current cash flow. During the last two decades the appreciation average was about 5% per year. With a five to one leverage with 80% loans investors got a 25% return on their down payments, in addition to the high cash flow. Historically, the last economies to slow down, are the first to go back up. I don’t know when DFW will start appreciating significantly again, but I believe it will be before many other areas, and our window of opportunity to invest optimally in any leading area may be shorter than we think. In this economy, I prefer to invest in homes over commercial and multifamily products because homes have more liquidity, are generally lower risk, appreciate faster, and one can build a “mutual fund” by buying in various neighborhoods rather than putting a lot of eggs in one address.

reWEALTHmag.com

Dallas / Ft. Worth Education Field Trip, May 4-6, 2012 Multiple Speakers including Dallas Chamber, Property Managers, Product Suppliers, Lenders & 3rd Party Investment Experts

your questions on site? That is certainly a different experience indeed! This concise, action and value-packedâ&#x20AC;&#x2026;weekendâ&#x20AC;&#x2026;is sponsored by The Real Estate Guys and it will sell out quickly. For information and a special discount offer, visit www.tomwilsonproperties. com or call 408.867.1867.

arachuting surely is a different experience than just reading about it. Dallas/ Ft. Worth is a much soughtafter investment city, one that you can certainly read up about. However, how many times can you see it and have multiple experts teaching you, touring with you, and available to answer all of

can vary tremendously in any general geographical area, and only experienced professionals can help you minimize that risk. I believe that the wise will not wait and see, but act to grasp the best opportunities of our lifetime before they are gone.

Even in a good region, one must be very careful though in selecting the right product, neighborhood and professional service and management team. Make sure you rely on resources that have a lot of investment experience in that region. If Iâ&#x20AC;&#x2122;ve learned anything in investing, it is that variations in performance from the median

INVEST WITH CONFIDENCE MM ME ED D II A AT TE E C CA AS SH H F FL LO OW W II M D D

iscover the lowest-risk, highest-quality residential investment properties in the iscover lowest-risk, highest-quality residential investment properties in the country.the Using sophisticated methodology, the best investment properties are country. Using methodology, best investment properties carefully selected bysophisticated an experienced investor andthe rehabbed beautifully to secureare the carefully selected an experienced investor and rehabbed beautifully secure best tenants. Withbycompetent property management, and instant cash to ďŹ&#x201A;ow, yourthe best tenants.pays With competent property management, investment worry-free dividends from day one. and instant cash ďŹ&#x201A;ow, your investment pays worry-free dividends from day one.

PROFILE OF YOUR FUTURE PORTFOLIO PROFILE OF YOUR FUTURE PORTFOLIO Ä?Ć&#x2039; %#$!/0Ć&#x2039; /$Ć&#x2039; (+3

Ä?Ć&#x2039; %#$!/0Ć&#x2039; /$Ć&#x2039; (+3 Ä?Ć&#x2039; +3!/0Ć&#x2039; %/'Ć&#x2039; .+,!.0%!/Ć&#x2039;Ä&#x2018;Ć&#x2039; %0%!/ Ä?Ć&#x2039; +3!/0Ć&#x2039; %/'Ć&#x2039; .+,!.0%!/Ć&#x2039;Ä&#x2018;Ć&#x2039; %0%!/ Ä?Ć&#x2039; ))! % 0!Ć&#x2039; -1%05 Ä?Ć&#x2039; ))! % 0!Ć&#x2039; -1%05 Ä?Ć&#x2039; 1 (%05Ć&#x2039; !3!.Ć&#x2039; .% 'Ć&#x2039; +)!/Ć&#x2039; * Ć&#x2039; 0 (!Ć&#x2039; !%#$ +.$++ / Ä?Ć&#x2039; 1 (%05Ć&#x2039; !3!.Ć&#x2039; .% 'Ć&#x2039; +)!/Ć&#x2039; * Ć&#x2039; 0 (!Ć&#x2039; !%#$ +.$++ / Ä?Ć&#x2039; 1.*'!5Ć&#x2039;ÄŚĆ&#x2039; (! .Ć&#x2039; %0(!Ä&#x2039;Ć&#x2039; !$ ! Ä&#x2039;Ć&#x2039; ! /! Ä&#x2039;Ć&#x2039; * #! Ä?Ć&#x2039; 1.*'!5Ć&#x2039;ÄŚĆ&#x2039; (! .Ć&#x2039; %0(!Ä&#x2039;Ć&#x2039; !$ ! Ä&#x2039;Ć&#x2039; ! /! Ä&#x2039;Ć&#x2039; * #! Ä?Ć&#x2039; +)!Ć&#x2039; .. *05 Ä?Ć&#x2039; +)!Ć&#x2039; .. *05

Price $139,000 Rent $1,395 Price: $110,000, fully renovated, Year Built 2001 built 2005 Currently Rentedfully for $1,195 Price: $110,000, renovated, built 2005 Bed 2.5 Baths Currently4Rented for $1,195

â&#x20AC;&#x153;Contact me for a â&#x20AC;&#x153;Contact me for a free cash flow analysis.â&#x20AC;? free cash flow analysis.â&#x20AC;?

TOM WILSON, President TOM WILSON, President 408-867-1867

Mention REI Voice Magazine and receive one-year of free Mention REI Voice Magazine andyour receive one-year of free Mention Realty411 or reWEALTH andďŹ rst receive a discount property management with purchase. property management with your purchase. on the May 4-6 DFW Field Trip.ďŹ rst Donâ&#x20AC;&#x2122;t Miss It!

Realty411Guide.com

PAGE 29 â&#x20AC;˘ 2012

TomKWilson@earthlink.net 408-867-1867 TomWilsonProperties.com TomKWilson@earthlink.net TomWilsonProperties.com

reWEALTHmag.com

Is It Honest To Use A Land Trust?

by Randy Hughes

have been using Land Trusts for over 30 years, but every now and then someone will challenge me as to the purpose and “honesty” in using a Land Trust to hold title to real estate investments. Let’s clear the air. Recently I was talking to a real estate investment club owner about speaking to his club regarding land trusts. He said, “We do not believe in using Land Trusts because they are dishonest.” He then went on to explain how someone had come to his club and spoke about Land Trust and that led him to believe that

property (helps with day-to-day management and lease renewal negotiations). 6. Co-owners want to know that a lien or judgment or divorce of one owner will not affect the title to the property. 7. Out of state owners can avoid probate and other legal issues upon death — smooth transition of succession. 8. A group of heirs can inherit a property held in a land trust with ease of management (by the director) and no need for a partnership agreement and a partnership

There are many legitimate reasons to use a Land Trust for privacy and asset protection. the use of a Land Trust was for deception and taking advantage of people. I told him that I was sorry that he had been misinformed about Land Trusts and that he should reconsider their use and benefits. I went on to review with the club owner why it is important to NOT have your name in the public records as owner of real property: 1. A group of investors may be purchasing several properties for a special purpose and it may be that the desired result can be best accomplished if the objective is not made public. 2. Co-owners might desire that the interest of each beneficiary must be kept private. 3. An individual owner might not want to be hassled with inquiries regarding the property. 4. A real estate investor might not want his competitors to copy his acquisition techniques. 5. Real estate investors do not want their tenants to know they are the “owner” of the Realty411Guide.com

are many legitimate reasons to use a Land tax return 9. Co-operative housing corporations may Trust for privacy and asset protection. No elect to hold title to their land and buildings one will protect your assets like YOU will. in a Land Trust. They could then issue ben- Learn all you can now because “old and eficial shares to their residents in place of cold” matters. Ever since 9/11 stock certificates it gets harder ev—simplifying andy is a full time real estate invesery year to be pricontrol and retor who purchased his first rental vate and protect cord keeping. house in 1969. He has purchased your assets. Do it 10. When a Trustover 200 houses and teaches other investors now! Don’t delay! ee of a Land how to put their properties into Land Trusts I have written a Trust signs the for privacy and asset protection. Randy is a report titled, “50 mortgage (that national teacher, author and mentor. Randy Reasons To Use gets recorded in writes the only Land Trust Newsletter in the A Land Trust” and the county court county and is the founder of the Land Trust will send it to you house records) University (an institution that teaches real for FREE. Email the debt will not estate investors how to set up and adminisme with “50 Reashow on the borter their own Land Trusts). Residing in Ilsons” in the subrower’s credit relinois (the granddaddy state of Land Trust ject line and I will port. Land Trusts Law), Randy knows more about Land Trusts return this report have been used and how to link them to other entities than to you immediby American citianyone else in the America today. Reach ately. My email is zens for over 100 Randy at www.realestateforprofit.com or by randy@realestate years for good calling him at 1-866-696-7347. forprofit.com reasons. There

PAGE 30 • 2012

reWEALTHmag.com

by Lawrence Ruano

hiterock Capital, Inc., started 2012 off with a BANG, This is one of the fastest-growing companies in the real estate market, and it’s one of our top picks for 2012. What’s driving the big increase in investor interest surrounding this company? Whiterock Capital is aggressively expanding into both the Phoenix and Richard Edrosolan California markets. The brand-new company purchased hundreds of properties in the Phoenix area alone last year, and it’s on pace to double in 2012. Whiterock Capital, Inc. was born from the passion that only real estate investing can inspire. Yet, the owners are grounded enough to accelerate company growth by taking advantage of the many benefits that today’s diverse market opportunities present. Benefits include an ample supply of deeply discounted properties, historically low interest rates, and a growing demand for starter homes and cashflowing rental properties. Richard Edrosolan, founder and CEO, met Anthony Patrick several years ago at a real estate investment seminar. While discussing their mutual interests and philosophies on real estate, they realized that they had much more in common than just investment strategies. Soon thereafter, a successful business model was developed and a vital new company born. Based upon the diverse and well-seasoned experience that each of these men brought to the company, financial success was attained at the earliest stage of this relationship. Although Edrosolan has wide experience within California and states in the South and Southeast, Whiterock chose to focus initially in Southern California, specifically in the tremendous opportunities the Inland Empire has to Realty411Guide.com

offer. Patrick leads the company efforts in the Inland Empire. Established in Southern California, Edrosolan, who has a life-long affinity for Arizona, and in particular the Phoenix area, has also identified and developed significant business opportunities and expertise in the Phoenix market. In constantly changing market places, Whiterock Capital has the experience and capacity to perform on multiple diverse projects simultaneously. Working wholesale deals, executing multiple “fix & flip” projects, preparing “rent ready” properties for long-term hold strategies and managing property are everyday activities to satisfy the needs of their many investors and joint venture partners. Many of Whiterock’s initial projects were rehabilitation projects. Drawing upon years of Patrick’s experience as a property manager and home inspector, the company continues to focus on ways of reducing and eliminating expenses, while improving the quality and salability of the refurbished home. Consistently, the bottom line of each and every project is enhanced, securing the delight and satisfaction of their respective venture partners. Edrosolan, who has exceptional expertise in various ways of raising capital, has been able to maintain a stable source of ready funding for the company’s increasing workload. Edrosolan provides PAGE 31 • 2012

Anthony Patrick and Richard Edrosolan

extensive experience in raising capital, arranging project funding, and creating “win-win” financing for real estate investments. His efforts have enabled Whiterock to maintain a stable source of ready funding for the company’s increasing list of projects. Whiterock Capital, Inc. provides individuals and organizations interested Continued on pg. 45

reWEALTHmag.com

leaders

White Rock Capital Creates Wealth for Investors

One Company, Twice the Cashflow

by Isaac Newkirk III

remier Equity Group has been one of the most successful providers of cashflow investment properties in the Southeast. The company has offices in Jackson, Mississippi, and Birmingham, Alabama. They are a full-service operation, providing turn-key investment properties, and other real estate services, for investors all over the world. Birmingham and Jackson are stable markets and are not subject to the â&#x20AC;&#x153;peaks & valleysâ&#x20AC;? present in more speculative areas. Premier Equity Group acquires properties from multiple sources, including: asset managers, banks, foreclosure sources, short sales and general listings. Because they get the best deals, they are able to pass on the savings to their clients. Both Jackson and Birmingham have also been rated by various publications as Top 10 Cashflow Markets. The property taxes in Alabama and Mississippi are the two lowest in the na-

tion, ranking 49th and 50th, respectively.â&#x20AC;&#x2020;â&#x20AC;&#x2026;Investors have migrated to the South due to low price points, strong rental markets and low property taxes. Both markets have huge upside potential as big developers are coming in, there are six different major automobile manufacturing plants and modern medical facilities, which serve to stabilize the rental markets. Their mindset is to take the investors â&#x20AC;&#x153;concernsâ&#x20AC;? out of the equation, and offer a â&#x20AC;&#x153;hassle-freeâ&#x20AC;? investment process. Thatâ&#x20AC;&#x2122;s easier said than done, as you know. They offer a unique product to investors, one that simplifies buying a house, implementing a top-quality rehab, leasing it out, and placing it with their in-house property management team. This process ultimately leads to steady positive cash-flow. In the smaller niche markets, you can

achieve greater cash flow for a fraction of the cost of the investment. In high property value areas, to earn a positive cashflow may require a property purchase of several hundred thousand dollars. In comparison, these two markets provide investors with affordable cashflow opportunities. For example, a newly renovated 3 bedroom, 2 bath investment property in Birmingham with a purchase price of $60,000, and a monthly rent of $850, minus a property management fee of $77, minus $40 insurance, minus $80 taxes, nets a monthly cash on cash return of $653, which is an annual return of 13%. Premier believes that one of the keys to the success of their company is their inhouse property management team. Also, transparency is very important. Owners have access to a web portal, get online statements and can receive direct deposit of rents. For these important services they charge only 9%.

Continued on pg. 45

%,50,1*+$0 $/ -$&.621 06 &$ + )/2: 5(&(17 '($/

,QYHVW LQ RI WKH %HVW &DVK )ORZ 0DUNHWV LQ WKH &RXQWU\

Â&#x2021; )XOO UHPRGHO Â&#x2021; EHG EDWK Â&#x2021; VT IW

$OO SURSHUWLHV DUH 5(17(' 5(02'(/(' 0$1$*('

Â&#x2021; %XLOW Â&#x2021; 5HQWHG PR

,QWHJUDWHG PDQDJHPHQW WUDFN 6WDWHPHQWV UHQWV GLUHFW GHSRVLW UHSDLUV HWF RQOLQH

Â&#x2021; *UHDW QHLJKERUKRRG ZLWK QHZ HOHPHQWDU\ KLJK VFKRROV

:H VSHFLDOL]H LQ 287 2) 67$7( &/,(176 ZLWK RYHU ORQJ GLVWDQFH RZQHUV $FFHVV WR ÂżQDQFLQJ DQG FDVK SXUFKDVH GLVFRXQWV *LYH XV D FDOO DQG OHW XV VKRZ \RX RXU SURJUDP Realty411Guide.com

Â&#x2021; /DUJH ORW ZLWK IHQFHG \DUG Â&#x2021; 3ULFH

FRQWDFW#HTXLW\JURXSRQOLQH FRP ZZZ (TXLW\*URXS2QOLQH FRP -XVWLQ +DUULVRQ Justin Harrison - AL 205.616.3761 &KULV 'RQDOGVRQ Julie Harrison - MS 601.291.0689 PAGE 32 â&#x20AC;˘ 2012

reWEALTHmag.com

V shows make flipping houses look easy, and bootcamps make it seem extremely profitable every time. But in reality, new investors often get burned on their first few deals. Everyone wants to make a quick buck, and in theory, flipping could be a way to do that. But please heed this warning: Flipping is not for everyone! Here are some tips to help you decide if it’s for you. The Real Costs of Flipping Property There are many hidden costs that new investors fail to calculate on the outset: • The cost of funds borrowed to purchase and/or renovate the property • The cost to sell, including agent fees and closing costs — estimate 10% • Holding costs, including on-going property taxes, interest charges, and insurance • Cost overruns — always allow a 10% cushion for the unexpected • Sales price variations — allow 10% less than what you’re expecting • Estimated profit — 10% at a minimum (and if this is all you’re expecting, there are much lower risk investments out there!) • Short-term capital gains taxes — potentially 35% of your profit. Always talk to your CPA before making any investment. As you can see, after you calculate all repair costs, you’ll still need to be able to acquire the property for less than 60% of current market value. Is it possible? Yes. Is it easy? No. Buy & Sell VS Buy & Hold At Real Wealth Network, we advocate buy & hold investing for the following reasons:

• Flipping requires hands-on involvement and most working people don’t have the time. • Successful flipping requires that you only invest where you physically live. A buy & hold investor can invest anywhere, have many investments working at the same time, and still make money doing other things. • A cash flow rental property can yield over 10% return after all expenses, without the risk of rehabbing and trying to sell at the right time. • Rental income is much more favorably taxed, and capital gains can be avoided upon sale if a replacement property is purchased according to IRS 1031 Exchange Rules. • Growth over time, for both rental income and capital growth, works the same as compound interest; it’s one of the most powerful tools in an investor’s arsenal. Thirty years ago, one would

have had to put down $13,000 to buy real estate. Today that property would be completely paid off, and would have more than tripled in value. What’s more: you’d be earning at least $13,000 rental income per year! The same power of multiplied growth is available today simply because prices are so low. Real estate bought today could very well be worth more than three times its value 20 to 30 years from now. There is no other investment that delivers cash flow and capital growth like long-term real estate investments do. Flipping is a job. Buying and holding property is an investment. Kathy Fettke is the founder and CEO of Real Wealth Network “The Real Estate Investors Resource.” Members have access to free education, resources, and referrals to turn-key rental properties around the United States. Real Wealth Network has over 8,000 members, so the shear power of numbers allows the group to acquire properties at huge discounts. Membership is free. Kathy is also host of The Real Wealth Show on KABC Los Angeles and on iTunes and is a regularly interviewed guest expert on ABC, CNBC, CBS Market Watch and NPR.

strategy

Is Flipping Property Good for Your Wealth?

by Kathy Fettke, CEO of the Real Wealth Network

LOCATION: San Antonio, TX COMPANY: Prosperity Homes and Investments CONTACT: Clay Schlinke ph: 210.771.0861 web: ProsperitySA.com

Market Spotlight: San Antonio, TX

he Texas economy and real estate market remains on fire with investors from around the world flocking to top Texan cities to add rentals to their portfolio for appreciation, cashflow and added stability. San Antonio offers one of the fastest growing job markets in the country with a projected 10-year job growth of 12.2%, according to Economy.com. The city also offers lower business and lifestyle costs than comparable areas and a well educated productive workforce. To learn more about San Antonio, we interviewed Clay Schlinke, a master developer, investor and CEO/owner of Prosperity Homes and Investments (ProsperitySA. com), an online resource for the San Antonio real estate market. Question: What kind of opportunities are you seeing in San Antonio? Answer: San Antonio has remained stable during the past several years and has continued to add jobs and people to our city. Multiple companies have been moving to San Antonio over the past few years and now with the discovery of the Eagle Ford Shale oil and gas reserve, it is helping with the continued growth. Q: What is the best part of being an investor and buying in San Antonio? A: Due to our economy and great rental market, it is easy to cashflow in our city. With the cashflow and with the stability of our economy, there will be future appreciation of your properties, which all add up to a great investment. Q: How is the rental market? A: The rental market is at an all-time high right now. The occupancy rate is 92%.

Realty411Guide.com

Q: I understand the military bases provide a great tenant pool and also economic stability. A: Yes, all of our projects are in close proximity — within a 15 minute drive to all of the major bases in San Antonio.

Q: Do you prefer multifamily rentals as an investor? A: I prefer our product because we offer several advantages to our investors, which means higher rents and higher occupancy levels. First our units are set up as townhomes with a garage and backyard. Second, we have 3 bedrooms with 2.5 baths with great amenities that include granite counter tops, concrete stained floors, crown molding and built-in niches. Lastly, we also include a park and pool in our neighborhoods. As a tenant you can get everything at one of Clay Schlinke and his family our developments that an apartment can offer, but you also get a garage and yard with no neighbors above or below you.

Q. What makes Prosperity Homes and Investments unique in the marketplace? A: We are the only new home builder that specializes in building townhomes, duplexes and fourplexes. We develop our own subdivisions in locations that have high rental demand and are in strong areas for future appreciation. We are able to give the investor instant cashflow and even equity when they purchase. We have also been successful in setting up our developments so the investor can purchase a fourplex building, but later sell them individually as townhomes if they choose to really maximize their return. We also provide a full two to 10 year warranty to the investor to protect their investment.

PAGE 34 • 2012

Q: How long have you personally invested in real estate? A: I have been investing since graduating college in 1994. I own both single family and multifamily properties. Q: What do you foresee for the San Antonio market for 2012? A: Based on the last few years, San Antonio has as bright of future as any city in the United States. Our government is very pro business and you can see that when you arrive here. In 2012, and beyond, we will see continued growth and success in San Antonio.

reWEALTHmag.com

Phoenix Starts Recovery

by Wendy Pineda

hoenix is a great place to invest in real estate. On February 9, 2012, CNBC.com released a slideshow on the “Top 10 Turnaround Towns” in the nation. The slideshow placed Phoenix at number two. Two years ago, Ray Bansal, president of USA Property Investing, a company that specializes in turn-key property investments, had already predicted that the Phoenix metropolitan area would be one of the most promising areas in which to invest. This has been proven to be true partially due to the historically low prices coupled with the state’s commitment on supporting economic growth in key industries. In a recent article published by the Wall Street Journal on March 13 of this year, Thomas Lawler, an independent economist declared that “Phoenix has hit a bottom.” The article also stated that the low prices in Phoenix paired with the upswing in the economy has led to an increased demand in housing, and not just from first-time home buyers. Big and small investors are snapping up the bargains. In fact, one quarter of all properties sold last month was to an out-of-state buyer. Although it may seem like the window of opportunity is almost gone,

Realty411Guide.com

with the right team, investors can still purchase investment properties that will bring them immediate cash flow and long term appreciation. However, investing in an unknown market can be a huge concern for many investors. Ray

Bansal understands this, and with his 20 plus years of general construction and real estate experience, Bansal has developed a turn-key investment system designed to eliminate concerns and doubts for real estate investors. Through this process investors can choose from fully rehabbed cashflowing properties, some already rented, in great family-oriented neighborhoods. The turn-key system allows for USA Property Investing to handle the whole transaction from beginning to end. This includes fully rehabbing the property, scheduling appraisals and inspections, all the way through to tenant placement PAGE 36 • 2012

and assigning a property management team. Bansal also knows that for some investors hands-on research is the only way to develop a real comfort level when investing. That is exactly why Bansal started a Phoenix Investment Property Tour, so investors can meet with him, learn how the company works, the many benefits, and view the market first hand. By attending the Phoenix Investment Property Tour, investors can view the workmanship of the rehabbed properties, as well as evaluate the various neighborhoods and view some of the commercial developments currently enhancing the Phoenix economy. Along with the research and analysis provided by USA Property Investing, investors can now make a truly informed choice. The team at USA Property Investing is fully invested in their clients’ success and can tailor the investments to suit the individual investor’s personal needs. Don’t have all the cash needed for a purchase? No problem, USA Property Investing has the resources to help you achieve your goals. Many financing options exist, so contact Ray Bansal at (888) 616-3706 to learn more. Learn about their next tour, at: PhoenixInvestsmentPropertyTour.com

reWEALTHmag.com

Realty411Guide.com

“What We Can BE,

We Must BE”

have put them on the plus 1, but they chose to step back to safety and landed on negative 1, the difference of two points and not just one, as commonly believed. Here’s what’s worse. Every time you make such decisions, the gap between what you could have done and what you actually did grows Sam Sadat wider. Dr. Maslow affirms that all our regrets, anxiety, frustrations, unhappiness, anger, depression, etc. lies in that gap which separates growth from comfort or realizing one’s full potential from settling for less (selling oneself short.) People take all kinds of drugs for various mental and emotional conditions when all they have to do is to pick growth over comfort and security. Speaking of which, do you really believe there’s such a thing as security in life? If you think about it, it becomes clear that “security” is a myth. After all, we have very little control over events and what will happen next. Some schools of thoughts recommend the notion that if you want “security” it’s best to seek insecurity! By that, they mean to simply allow things to take their natural course. That does not mean you sit back and do nothing. Rather, you do the best you can but not get attached to the results. Only in this way you would be able to experience a life of joy and fulfillment. Back to our discussion of why the vast majority of people choose comfort over growth almost every time they make a decision in life. Is there any hope of reversing this vicious cycle? And the answer is………….. Yes! It’s possible and you won’t need several lifetimes to get it done! You surely can reverse this process but it requires effort initially. But in the long run your life will be a lot more effortless! PAGE 37 • 2012

Just so we are clear about growth versus comfort, I’ll give a few examples of how people choose safety over growth: 1. You got angry at your son and decided to break off communication a while back. An opportunity arises to sit down and talk things over, but you take the easy way out by going into your comfort zone and watch the ball game. 2. You need to get up early and take care of something important. Instead, you look at the clock and go back to sleep! 3. You find a good property to invest in but at the last minute you’re gripped by fear and chicken out! Recognition is the half way to transformation. So, first examine your own life and look at moments when you could’ve and should’ve gone for growth but you chose safety. Then realize that the gap where all this negative energy resides is dragging you down. Since there’s not much we can do about the past, we need to take action in the present to affect future. For those of us who insist to live in the past, the famous poet, Omar Khayyam has this to say: “the moving finger writes and having writ moves on. Nor all thy piety nor wit can lure it back to cancel half a line, nor all thy tears wash out one word of it.” Once you come to terms with your past and realize you can still do something about your future in the present time, then resolve to never again step back into safety when you can choose growth instead. As you begin to make decisions that are more growth based and less on safety, you will see that the gap is getting narrower and narrower. Soon you'll gain control of your life and move in the direction of self-actualization, which is, according to Maslow, where you can realize your full potential and maintain a happy and fulfilled state of being. To your success and life of abundance,

Sam Sadat

www.samsREclub.com sam@samsadat.com

reWEALTHmag.com

motivation

“W

hat we can be, we must be,” is one of Dr. Maslow’s famous quotes. Abraham Maslow is the father of humanistic psychology. He is renowned for his Hierarchy of Needs and Self Actualization theories. Most of his writings are about human motivation and personality. Today, his teachings are successfully applied in fields of business, marketing and communication among others. Maslow was born in New York 1908 and died in 1970. "If you deliberately plan on being less than what you are capable of being then I warn you, you will be very unhappy for the rest of your life.” — Abraham Maslow Dr. Maslow believes human beings have an instinct (need or impulse) that drives them to be the best they can be. On the other hand, he says that the story of the human race is the story of men and women selling themselves short. So what gives? Let me give you an example. Imagine drawing a straight line that goes to infinity on both sides, from one end to another. Now think of yourself standing in the middle of this line, which we call point zero. One side of the line starts with plus 1, plus 2, plus 3 and so on to plus infinity. On the other side of the line, you have negative 1, negative 2, negative 3 and so on to the negative infinity. Dr. Maslow states that at any given moment, when you are faced with making a decision, you have a choice to move forward in the direction of growth (plus side of the line) or step back into the direction of safety (comfort), which is on the negative side of the line. So that if you are at point zero and faced with a challenge that requires a decision on your part. What will you choose? What do most people do when confronted with problems of life? They usually step back into safety or the negative territory. The first such decision results in going back to negative 1. And so they justify by saying, “it’s nothing, I just went back one step, I can always make up for it later.” But here’s the catch that most people miss. It really cost them two steps and not one! They could have made a decision to move forward into growth, which would

Going Global to Meet Demand Small Real Estate Company Finds Success Taking its Business Model to an International Audience

winters with little to no snowfall; •A high rate of foreclosures, allowing properties to purchased and resold inexpensively, providing an optimum product to an end buyer; •A dollar-based economy;

By Robert Feol

few short years ago, business partners Bert Miller and Hans Guenther had a business that was primarily focused on delivering retail level homes to end users in Memphis, Tennessee. Their partnership, which has spanned over 20 years, was thriving, as they realized their mission to take on foreclosed, non-performing real estate, revitalize it, and provide desirable housing to their buyers real estate investors do while reinvigorating the when their entire target tax base. sales group evaporates Then, the credit crisis before their eyes? While hit and the two partners any investors would tuck found themselves betail and run, or become ing forced to redevelop Hans Guenther and Bert Miller complacent in trying to their business model. simply find a new way to The so-called credit crisis has challenged today’s modern real address the problem of U.S. mortgages beestate investor in a variety of ways, but coming few and far between, the pair opted for investors like Miller and Guenther, the to ‘take the red pill’ and go a bit further fallout was a significant one — the major- down the rabbit hole, asking a hard-hitting ity of their purchasers were unable to buy and probing question — if our target market has disappeared, who then IS our target homes, period. “It was like the hammer falling,” says market? The answer was found, interestingly Bert Miller. “We woke up one day, and so many of our pending purchases were enough, outside of Memphis, Tennessee. Miller and Guenther had focused so inbeing challenged or falling apart due to new appraisal restrictions, HVCC rules, tensely on their domestic market in their etc... Changes in credit were hamstringing resident city that they had forgotten the families who wanted to purchase their pri- whole world was, literally, just waiting for mary residences. We began to realize that them to show up. They started to reassess the value of their our only answer to the problem rested not in waiting and hoping things got better, product, and looked at it in its most conbut in radically revolutionizing our busi- summate and simple form. Memphis, Tenness model. There was simply no other nessee real estate offered: •Incredible cashflow per square foot; way to continue our business in its current •Low purchase points per square foot; incarnation.” •A stunningly high per capita rent al rate (almost 50% of the population Enter the Matrix of Memphis is comprised of renters Miller and Guenther had come to a crossseeking rental homes); roads, not just metaphorically, but literally •A Southern climate, which had mild speaking. What do two ‘rehab to retail’ Realty411Guide.com

PAGE 38 • 2012

Miller and Guenther, who already held 300 rental homes between them, had no problem filing in the logistical blanks, which remained to be identified for them to produce what is, today, a brilliant success story in the making. They already had a licensed realty brokerage, which was managing their portfolio successfully. Why not offer that service to investors in the scope of a truly ‘turnkey’ system that provided investors who wanted to purchase full-service properties in Memphis great investment homes that were online and performing Going the Distance What really sets Miller and Guenther apart is their clientele — almost 100% of their end-user sales are to international investors. Miller and Guenther have traveled extensively, spending a significant time in Singapore in 2011 working with their clients, and they are scheduled to travel to New Zealand and the United Kingdom in the early months of 2012 as keynote speakers, discussing their turnkey real estate system to foreign investors. The early prognosis for 2012 anticipates Miller and Guenther selling about 150 homes to foreign buyers this year, not counting their domestic output and retail, and the end-user sales they still engage in. Establishing a truly turnkey system wasn’t the difficult part of reinventing the business model — the difficult part, according to Hans Guenther, was convincing investors that there wasn’t some kind of hidden “angle.” He adds: “We had so many investors after meeting us and hearing us at seminars ask us bluntly: ‘What’s the catch? What are you guys hiding? This seems to good to be Continued on pg. 45

reWEALTHmag.com

The Best Opportunities …don’t last forever

A division of

American Foreclosure Acquisition Services Memphis’ Finest Foreclosure Experts

B u yMe mp h i s F or e cl o s ur e s. c o m i s yo ur i d e a l s o u rc e f o r p ort f o l io - b u i l di n g a n d c a s h- f l o w i ng pr o p ert i es i n Memp h i s , T e n n es se e a n d ot h er c it i es . W e p r ov id e h o u se s i n pr ef e rr e d are a s at l o w p ri c e p o in t s w it h e xc e l l e nt ca s h f l o w. O u r pr o p er t i e s ar e a lr e ad y r e nt e d a nd w e p r ov i d e ex c ep t i o na l i n h o u s e ma n a g e me nt . B u i l d yo ur po rt f o l i o th e ri g h t w a y , f r o m a n yw h e r e , w it h a n ex p er i e n c e d a n d r el i a b l e t ea m. W e sp e c ia l i ze in c re at iv e f i n a nc i n g o f f e ri n g p r ef er re d i n st it ut i on a l, p riv at e a n d ow n e r f i n an c i ng .

Visit us on the web: www.BuyMemphisForeclosures.com

(901) 870-2301

Buy Memphis Foreclosures - A Division of GM Realty, Inc. 6262 Poplar Avenue, Memphis, TN 38119

BiggerPockets Real Estate Investing Summit & Expo 2012

Denver, CO March 23 - 24

The No-Nonsense, No Upsell Real Estate Investment Conference

Join Us At The BiggerPockets Summit! Ύ &ŽĐƵƐĞĚ ŽŶ ƌĞĚŝďŝůŝƚǇ Ύ EŽͲhƉƐĞůůŝŶŐ Ύ ǆƉĞƌƚ WƌŽĨĞƐƐŝŽŶĂůƐ ĂƐ ^ƉĞĂŬĞƌƐ Ύ BiggerPockets is at it again. The company that changed the way real estate investors network, learn, and do business via its website, is announcing it inaugural live conference and trade show. dŚĞ ŝŐŐĞƌWŽĐŬĞƚƐ ZĞĂů ƐƚĂƚĞ /ŶǀĞƐƟŶŐ ^Ƶŵŵŝƚ ǁŝůů ƚĂŬĞ ƉůĂĐĞ Ăƚ ƚŚĞ ŽůŽƌĂĚŽ ŽŶǀĞŶƟŽŶ ĞŶƚĞƌ ŽŶ DĂƌĐŚ ϮϯͲϮϰ͕ ϮϬϭϮ͘ ͞/Ĩ ǇŽƵ͛ƌĞ ƚŚŝŶŬŝŶŐ ĂďŽƵƚ ŐĞƫŶŐ ƐƚĂƌƚĞĚ ĂƐ ĂŶ ŝŶǀĞƐƚŽƌ ŝŶ ƌĞĂů ĞƐƚĂƚĞ͕ ŝĨ ǇŽƵ͛ƌĞ an accidental landlord, if you’re an experienced pro, or if you’re a service professional in the real estate investment industry, our BiggerPockets Summit will ƉƌŽǀŝĚĞ ǇŽƵ ǁŝƚŚ ŽƉƉŽƌƚƵŶŝƟĞƐ ƚŽ ůĞĂƌŶ͕ ƚŽ ĞǆƉůŽƌĞ ŶĞǁ ĐŽŶĐĞŶƚƌĂƟŽŶƐ͕ ƚŽ ŵĞĞƚ ǇŽƵƌ ƉĞĞƌƐ ĂŶĚ ƉŽƚĞŶƟĂů ƉĂƌƚŶĞƌƐ͕ ĂŶĚ ƚŽ ďĞ ŝŶƐƉŝƌĞĚ͘ tĞ͛ǀĞ ŵĂĚĞ ƚŚĞ ĞǀĞŶƚ ĂīŽƌĚĂďůĞ ĂŶĚ ůŽĐĂƚĞĚ ŝƚ Ăƚ Ă ĐĞŶƚƌĂů ŚƵď Ͷ ĞŶǀĞƌ Ͷ ƚŽ ŵĂŬĞ ŝƚ ĂĐĐĞƐsible for as many people as possible from around the country.”

Don’t Get Shut Out -- Space IS Limited -- Buy Early and Save!

dŽƉŝĐƐ ƚŽ ďĞ ĚŝƐĐƵƐƐĞĚ ŝŶĐůƵĚĞ͗ How to invest in real estate while ǁŽƌŬŝŶŐ Ă ĨƵůůͲƟŵĞ ũŽď ƵŝůĚŝŶŐ ^ǇƐƚĞŵƐ ĨŽƌ ǇŽƵƌ ZĞĂů ƐƚĂƚĞ ƵƐŝŶĞƐƐ /ŶǀĞƐƟŶŐ ǁŝƚŚ Ă WƵƌƉŽƐĞĨƵů WůĂŶ ĨŽƌ ZĞƟƌĞŵĞŶƚ ,Žǁ ƚŽ ^ǇƐƚĞŵĂƟĐĂůůǇ &ůŝƉ ĂŶĚ ZĞŚĂď ,ŽƵƐĞƐ /ŶǀĞƐƟŶŐ ŝŶ ZĞĂů ƐƚĂƚĞ >ŽŶŐ ŝƐƚĂŶĐĞ /ŶĐƌĞĂƐŝŶŐ zŽƵƌ WƌŽĮƚƐ ǁŝƚŚ 'ƌĞĞŶ /ŶǀĞƐƟŶŐ hƐŝŶŐ ƚŚĞ ĞƐƚ &ŝŶĂŶĐŝŶŐ KƉƟŽŶƐ ǀĂŝůĂďůĞ ĨŽƌ zŽƵƌ /ŶǀĞƐƚŵĞŶƚƐ dƌĂŶƐŝƟŽŶŝŶŐ ƚŽ DƵůƟͲ&ĂŵŝůǇ Investments &ŝŶĚŝŶŐ ĂŶĚ ŶĂůǇǌŝŶŐ ĞĂůƐ And much more! Sponsors:

BiggerPockets ŚĂƐ ďĞĞŶ ƌĞĐŽŐŶŝǌĞĚ͕ ƵƐĞĚ ĂŶĚ ĐƌŝƟĐĂůůǇ ĂĐĐůĂŝŵĞĚ ďǇ ŵĂŶǇ ŽĨ ƚŚĞ ŶĂƟŽŶ͛Ɛ ůĞĂĚŝŶŐ ŶĞǁƐ ŽƌŐĂŶŝǌĂƟŽŶƐ ĂŶĚ ǁĞďƐŝƚĞƐ͕ ŝŶĐůƵĚŝŶŐ͗ dŚĞ EĞǁ zŽƌŬ dŝŵĞƐ͕ >ŽƐ ŶŐĞůĞƐ dŝŵĞƐ͕ ĞŶǀĞƌ WŽƐƚ͕ KƌůĂŶĚŽ ^ĞŶƟŶĞů͕ ŚŝĐĂŐŽ dƌŝďƵŶĞ͕ h^ EĞǁƐ Θ tŽƌůĚ ZĞƉŽƌƚ͕ >ŽŶŐ /ƐůĂŶĚ EĞǁƐĚĂǇ͕ ^ EĞǁƐ ZĂĚŝŽ͕ EĞǁƐ ZĂĚŝŽ͕ ^ ϰ ĞŶǀĞƌ ds͕ ĂŶĚ ŵĂŶǇ ŽƚŚĞƌƐ͘

ZĞŐŝƐƚĞƌ ĨŽƌ ƚŚĞ ^Ƶŵŵŝƚ dŽĚĂǇ͊

http://www.biggerpockets.com/conference

an you really earn $8,000 profit per month trading stocks online? Yes you can. There’s a reason the really rich own and trade stocks AND buy real estate. The stock market has always been a place to earn fast, sexy money for those that have a financial education. So what’s the problem? Most Americans never seek to be financially educated themselves,

a company whose annual and quarterly earnings are rising. Historically, increased earnings creates pressure on the stock price to increase. Stocks that trade above $100 per share have increasing earnings. In the We a l t h y Investor program we refer to t h e s e companies as “good dates.” As an investor, you’re hoping that the company continues to have success and earning in-

A trader takes a different approach to stocks. A trader is in the game of taking small quick profits. Let’s take a look at a company like eBay (ticker symbol EBAY). eBay is currently trading around $37 dollars per share. Maureen, a smart, intelligent and attractive real estate investor and entrepreneur, understands that to create real wealth she needs to be diversified. That means owning stocks and real estate. She likes investing in Dow components like MacDonalds, AT&T and IBM for the long term and using a small portion of her investment capital for trading others. One of her favorite stocks to trade is eBAY. On Monday shortly after the

therefore they are locked out of the greatest game in the world… investing and trading stocks. For way too long the stock market has been an exclusive playground for the upper class. Today stock research and the ability to trade is just a click away. There are two major ways to earn money in the financial markets. They are investing, (purchasing shares and letting them increase in value over the long term), and trading (buying and selling shares very quickly). The real estate equivalent to stock trading is buying a house, fixing it up, and then selling it for a profit as soon as possible. As a stock investor, your intention is to purchase shares of

creases over a long period of time, let’s say two to five years. When XYZ’s stock price increases from $100 to $110 and you own the shares, your investment has increased in value ten percent. That means your $10,000 is now $11,000. In the above scenario you only have a paper profit. An actual profit results from selling your shares. Once a stock price has increased, you have several interesting choices, you can: 1. Sell XYZ stock for a profit, and enjoy your ten percent return. 2. Purchase more shares and ride the wave of success. 3. Find another company to invest in using the same criteria that led you to XYZ.

stock market opens, Maureen logs into her online brokerage account and purchases 1,000 shares of eBay at $37. That’s a total investment of $37,000. She’s willing to sell the shares the second they reach $38 dollars and capture a quick profit. Maureen is not day trading. Day trading requires that you sit at a computer while the stocks are trading and buy and sells stocks when they increase five to ten cents above your purchase price. Most people who attempt day trading lose money. Instead, Maureen prefers to volatility trade because the free software in her brokerage account will trigger a sell of her eBay shares while she’s out in the world enjoying her life.

by Tyrone Jackson

Wednesday, two days after Maureen purchased her eBAY shares, the stock’s price reaches $38 shortly after the market opens at 9:30 a.m. eastern time. The soft-

Isn’t it time you added stock market trading to your list of revenue streams?

Realty411Guide.com

PAGE 41 • 2012

ware inside of Maureen’s account automatically triggers a sell while she is at the gym. When she returns home, Maureen gets an email and discovers she has just earned a $1,000 profit from the sale of eBay shares. How did that happen? Let’s review. Monday Maureen purchased 1,000 shares of eBay at $37. Her total investment was $37,000. When the share price reached $38 her 1,000 shares were sold. Maureen’s initial investment of $37, 000 was returned to her account plus a one dollar per share profit. One dollar multiplied by one thousand shares equals $1,000. If Maureen can buy and Continued on pg. 46

reWEALTHmag.com

diversification

Trading Stocks VS Investing in Stocks

Spring has Sprung, pg. 9

RealBay.com, pg. 11

price, square footage, cap rate, asset specifics, etc. The platform lists the assets for auction, and people are able to deal directly with each other. “I’m allowing the buyer and seller to talk with each other direct and connect without any regulation – This greatly increases the chances of getting a deal done – The other sites won’t do this because they afraid of being cut out of the loop and not getting their fee after the transaction.” according to Piscano. This helps with the buyer and sellers coming to an executed transaction faster. The website attracts global buyers and each buyer and seller is different and the personal relationship of direct contact is Buy, Hold & Rent, pg. 26

business at present, primarily due the increased difficulties of potential clients getting financing. Many Section 8 properties have been located in neighborhoods that have added to the problems in acquiring buyer-financing. BH&R determined that buying in the more upscale neighborhoods significantly increased the prospects of a positive return for investors. The much lower turnover rate in these neighborhoods was greatly aided by the tenant base. It’s the age-old real estate mantra of “location, location, location.” Whalen believes that if you focus your efforts in areas where people want to live, you’ll get a different client and a different tenant base. They’re only buying out in the suburbs these days. BH&R’s investors don’t usually worry about the need to get financing. Almost all deals are sealed with cash; with many clients using savings and retirement funds. BH&R remains aware of the competitive marketplace, but Whalen puts a 20-year plus career on the line. Having only specialized in the Cleveland area, he knows the area like the back of his hand. It’s a people-oriented business and he proudly points to the fact that he’s on a first-name basis with all the people that matter. He recognizes that the over $5 billion in construction taking place in Cleveland will attract investors from the world over. He wants potential investors to know that he’s there to serve their interests. Visit online at: www.BuyHoldRent.com Realty411Guide.com

extremely valuable. Having thousands of connections on sites such as LinkedIn.com personally Piscano knows the value of an online network and wants to allow RealBay’s members to truly capitalize on the exposure the site will allow them to have to potential clients as well. The site will have several variations on the style of listings and auctions users may use. “Own it now” and “Best Offer” selections will be available to people, according to Piscano. Currently, the website is open for the public to create accounts at no cost. It is a traffic-based website and sponsored opportunities will be available soon to specific service providers that would like to be showcased to members when those members need them the most. “In the future, we envision a site where users pay nothing and we truly become a free real estate marketplace and social network, driven by our members activity similar to Facebook,” Piscano explains. The site will allow for networking connections between REALTORS®, investors and different types of real estate service providers in a busy and exciting online marketplace.

3. New Infrastructure Improvements, 4. Easy Affordability, 5. Opportunity for Appreciation, 6. Tightening Vacancy, 7. Sales Inventory is Turning. Based on these seven factors, I then assess the area’s median rent prices. It is important to analyze the median sales price, quality and quantity of the houses in a given area. The areas offer at least a 1.25% or better rent ratio (monthly rent/sales price) get a second look. When it’s time to buy, I look for houses that will cashflow at just under the area’s median rent. Buying the right property is only a small step in investing success. The biggest factor of profitability is keeping your property rented. A lower rent range will expose your properties to the largest group of potential renters in the area and let you select the best tenants. So, going back to the question — “ Is it time to buy real estate and if so, where?” — Yes it is the right time to buy. Where? In a market that will provide you stable, dependable cash flow for the long term.

For additional information, be sure to visit www.RealBay.com

Contact Lori Greymont at 888-298-0652 Lori@SummitAssetsGroup.com

Rapid Property Analyzer (RPA), pg. 22

tematic process to help you evaluate potential property for investment purposes. By using this software the investor evaluates each property the same way using the same criteria. This approach allows the investor to identify his return on investment (ROI) using a standard set of rules for evaluating all properties. As shown in the table and the charts on page 22, multiple properties are displayed side-by-side in numerous illustrations comparing the performance metrics of each. This enables the investor to quickly grasp the relative value of one property over another. As an investor, this is what you need to be focusing on, relative rates of return and values set on the same criteria. RPA allows the investor to tailor the software to his individual market and PAGE 42 • 2012

then evaluate any property he looks at against the same criteria. Hence the consistent, repeatable results all professionals look for to evaluate their work. Just like the serious golfer who buys the best set of clubs he can, savvy investors need decision-based tools that assist them in making fast, comprehensive and accurate assessments of a potential property’s value. Gary Geist is a seasoned real estate investor with over forty years experience. He has owned property in several states in the Midwest and currently has large property holdings in Ohio, Indiana, and Pennsylvania. He is the owner of HomeReplay, LLC, which is based in the Midwest and provides tools and turn-key investment solutions to investors worldwide. For more information about RPA visit online at: www.homereplay.com

reWEALTHmag.com

Ate you a Target for a Lawsuit? pg. 23

ing any payments presuming he could buy another couple years of free rent. This time, we waited for six months (listening to his empty promises and excuses). Bill Gatten When we were finally able to effect foreclosure, as per our agreement, the lis pendens (Notice of Legal Action) hit the newspaper, immediately luring the so-called “Consumer Advocates” out from under their respective rocks by the dozens. The particular “extortionist” that Mr. Williams selected agreed to sue us for “equity stripping” and taking unconscionable advantage of the poor, gainfully employed man who earned approximately $10,000 per month but refused to pay his $3,500 monthly mortgage payment (for two and a half years by this time). At the settlement conference in court the two opportunists (client and attorney) suggested they would settle with us for an even $1 million dollars. When we insisted on a trial, the attorney decided that he’d now settle for an even $40,000. We countered with an offer for him to stick his head in a bucket and requested a jury trial. That turned the tables on Mr. Lawyer, since he was basically broke (as many are), and not getting paid by his client, hoping for a settlement and payday. Since he would have had to front his client’s court costs, he just gave up (i.e., Williams vs. Land Partners of American, Va. Est. January 2007). The basic lesson to be learned here? Because the property in question was held by a third-party, bona fide, properly structured title-holding land trust, all claims of Equity and Unlawful Eviction and Wrongful Foreclosure fell on deaf ears. Without the land trust, everything would have turned out completely differently, and in addition to our $96,000 and $25,000 court costs to date, we would have lost the house and been sued for a couple extra hundred thousand dollars to boot. Regarding real estate ownership in particular, some legal advisors will tell you that you do not need to use a Land Trust. They’ll often suggest that you hold title to your real property in an LLC instead. This is not necessarily bad advice by any means; it’s just not great advice. If you are interested in setting up the BEST structure to protect you and your real estate assets you’ll Realty411Guide.com

BiggerPockets Hosts a GroundBreaking Summit

he most sophisticatGeraldine Barry, the head ed investors in the of SJREI Association whose real estate industry club was winner of the 2010 are flocking to Denver, Award of Excellence from CO on March 23rd and National REIA; and Tah24th for the first annual ani Aburaneh a self-made BiggerPockets Real estate multi-millionaire real estate Investing Summit 2012. developer and author of Real Joshua Dorkin The event, produced by the Estate Riches. nation’s most popular online real estate “Our goal is creating this unique connetwork, will take place at the Colorado ference is to provide experienced invesConvention Center. tors, and those trying to learn, with a Over 200 years and thousands of no pressure, no nonsense, and no upsell deals worth of real estate investment environment,” says Joshua Dorkin, Bigexperience will be available to those gerPocket.com’s founder and CEO. attending. Scheduled speakers include Tickets for the two day event, which some of the most renowned investors includes access to all conference sesin the industry, including: Bruce Nor- sions, are $250. For more information, ris of the Norris Group, best known for please visit: http://www.biggerpockets. his California Market Timing Report; com/conference.

More Cashflow, Less Cash L

ooking for a way to With all the negative mejump into real estate dia coverage, many investors by utilizing leverage? wrongly assume that investor Then talk to the Gosser loans are impossible to get, but Bighaus Team at Guild that assumption is false. Take a Jason & Steve Mortgage. The team is look at some of their numbers: led by Steve Bighaus and Jason Gos- Gosser Bighuas weekly average: ser, who specialize in rental property Total Amount Funded: $330,725 financing. Equity Partners: $130,275 “We have techniques and loans that Cash Flow: $1,931.99 many lenders do not offer, and usual- Gosser Bighuas monthly average: ly don’t even know about it,” Bighaus Total amount funded: $1,124,087 explains, and adds that they work with Equity partners: $468,913 many out-of-state investors. Positive Monthly Cash Flow: $8,983

start with a Land Trust first, then bring in the LLC secondarily as the (or “a”) beneficiary of the land trust. So, what is a Land Trust? Unlike most trusts, the Illinois-type land trust isn’t a trust per se at all. Despite the terminology, the corpus of a “land trust (the entrusted property)” is not vested in a trust: it is inPAGE 43 • 2012

stead vested in an entity that is designated to serve as a trustee for the beneficiaries (not for a trust). Land Trusts are essentially privacy tools for real estate asset protection. In other words, they are structured so as to obfuscate discovery by the public of a property’s ownership control.

reWEALTHmag.com

by C. Han of 360 Investments

purposes. W e m i n i m i z e t h e risk of our loan by only lending to borrowers who are preapproved for the refinance loan.

of default. The executed reverse quit claim deed held in escrow prevents the need to go through lengthy and expensive foreclosure proceedings and allows the lender to take title to the property, which lender can hold, sell, and/or assign note to a different pre-approved refinance borrower. Since we loan up to the borrower's maximum loan to value ratio, typically 70% to 75% minus closing costs, that leaves 25% to 30% equity in these properties to further minimize

We send potential borrowers to our preferred mortgage banker to get pre-approved and the banker runs the borrower's credit, financials and then provides a pre-approval letter with their maximum loan amount and loan-to-value ratio. Based on the borrower’s pre-approval figures, we loan up to the borrowers’ maximum refinance loan to value minus their refinance closing costs. These borrowers are real estate investors purchasing distressed properties using our short-term funding so they can make stronger offers with quick closings that get accepted. These borrowers add value to the properties through proper renovation thereby increasing its value and then refinances which pays off our short term loan based on this new higher value. The risks associated our investment lending program is the borrower’s inability to refinance due to loss of job/income, death and/or real estate market depreciation lowering value, requiring borrower to bring funds to close, which they may not have. We minimize the risk by requiring borrowers to get pre-appraisal report(s) with the approved appraisers on the refinance lender’s list. We secure our position on title by taking first (1st) lien position with Trust Deed/Deed of Trust/ Mortgage (depending on the state). Our closings also require lender’s title policy, property insurance and a reverse quit claim deed executed and held in escrow in case

risk. We hold and escrow the renovation fees with new borrowers and provide a disbursement schedule based on the renovation list they provided to the appraiser to ensure the added value has been made to the property. Since 2008, we have funded over 100 transactions with 0% default rate. We contribute our 0% default rate to our system in which our funds are only accessible to those borrowers pre-approved with our preferred lender, whose experience has proven to close the refinance loan with these borrowers based on their initial preapproval qualification. Now that we have explained our process for minimizing risks through our lending requirements, lets progress to the good stuff, the returns. We offer our investor lending partners 2 points (%) of the loan amount plus 12% interest. We do not pool investor funds together. We match each investing lending partner to the each individual loan. The refinance process can take between 30 to 90 days therefore, an example, if the investing lending partner funded $200,000, investor would receive 2 points (%), $4,000 plus 12% interest only payments of $2,000 per month. If the refinance closed in about 30 days, the total profit would be $4,000 plus $2,000 totaling $6,000 and their $200,000 reimbursed

s of just recently, a six month Certificate of Deposit (CD) interest rate was a whopping 0.45%, a 1 year CD was 0.76%, and a 5 year CD was 1.61%. Checking and savings interest rates are 0.52%. Other banks like Bank of New York Mellon (BNY)

How Hard is Your Money Working?

announced last year that they will start charging savings account holders 0.13% for holding their cash. With the stock market drops, many people are moving their money into a saving or CD just to minimize the loss of capital they experience so frequently in the stock market. Due to many investors lack of resources to other investment vehicles, savings, CDs or mutual funds are their only options besides sticking it under their mattress. With high inflationary times, these measly interest rates are nothing: $1,000,000 with savings rate of 0.52% earns $5,200 a year / $433.33 a month. There are many other investment vehicles that offer much higher returns. Many uneducated investors think any returns higher than traditional savings, CDs or average stock market returns are riskier, and that could very much be the case, but you will learn how hard our investors’ money is working for them while still minimizing risks. There are many titles that coin this type of investment activity such as Hard Money Lending, Private Money Lending, Trust Deed Investments, Notes, Being the bank, Mortgages, Bridge Lending and many other known titles. Our investor lending partners earn on average of 20% to 32% returns on their money. Our lending program is short term, up to 90 days, offered to borrowers purchasing residential (1-4 units) real estate for monthly cash flow investment Realty411Guide.com

PAGE 44 • 2012

Continued on pg. 46

reWEALTHmag.com

Premier Equity, pg. 32

HomeUnion Services, pg. 6

WhiteRock Capital Creates Wealth, pg. 31

risk of their first investment. They should not just look at returns on paper — there are a number of factors that may whack those projections. We are doing webinars to educate investors. They can also download our white paper: “Critical Mistakes in Real Estate Investing” from our website www.homeunionservices. com. We also invite investors to “like us” on our Facebook page (www.facebook.com/ homeunion), where we offer several tidbits and research on real estate investments.

Besides turn-key rentals, the Premiere Equity Group offers a number of products, business models, and revenue streams that cater to each type of investor, including: Acquisition Lending: Great products for passive investors, currently offering great returns on short term funding for acquisitions. Cashflow Properties: The company’s specialty, setting up quality rental property, quality renovations, in great areas, with their in-house property management division protecting the investments. IRA conversions: Using selfdirected IRAs to take advantage of tax saving opportunities. Pre-rehab purchases and pre-funding: Pre-fund your own deal to insure the lowest possible basis for each transaction. Marketing Program: Paying investors to market for the company and paying up to $1,500 per sale per client. Premier Equity Group is looking to make 2012 profitable for its investors. Premier Equity Group invites you to visit them on the web at www. EquityGroupOnline.com and explore the many investment opportunities available in their Southeastern markets.

Q: Do you have any tips for more experienced investors who may have lost money during the recent bubble? A: Experienced investors are like day traders, they know which stock to pick and when to buy and sell. The singlefamily real estate market hasn’t had the same level of published research that other markets enjoy. HomeUnion is changing this and experienced investors can now tap into new markets and analyze data to reduce their risks without having to fly all over the country to do this. For more information, visit: HomeUnionServices.com

Local Company Goes Global, pg. 38

true!’ And the fact of the matter is, our homes are generally returning net yields of 12% to 15% consistently, which in and of itself is quite remarkable. It is a testament to the adaptability and efficacy of the system my partner and I designed.” Miller and Guenther are certainly at the vanguard of the pack of today’s wholesale turnkey providers. But, beyond their innovative business model and international Realty411Guide.com

clientele, the pair are especially well known for their mastery and implementation of private financing. Private Financing Paradigms, Applied As in the United States, foreign investors are all about leveraging their capital deployment and insuring they are maximizing the use of other people’s money, whenever possible. Today’s discrimi

in participating in the real estate market, either as active or passive investors, a proven experienced team of real estate experts dedicated to assisting investors achieve their goals.

to avoid some of the pitfalls. Also, Anthony and Richard are always available to help in different situations.” ~ Edwin Mizunaga “Since May 2009, I’ve invested with Whiterock in about six projects including fix and flips, wholesale deals, and now “buy and hold” cashflow homes in the Phoenix area. In every case, Richard and Anthony have gone above and beyond to assure the investment was secure and profitable. My plan is to work with Whiterock to acquire ten additional rental properties in 2012.” ~ Joseph Hobbs

WhiteRock Capital’s Testimonials from Clients: “Learning the real estate investment business is difficult, there are many aspects related to the business not brought out in the “Real Estate Investment Seminars,” as most seminars are a market place to sell ideas, and not the details of investing. I have worked with both Anthony and Richard and because of their combined knowledge, I have gained a better understanding of the business. I have more confidence in knowing what to do and how

To learn how you can benefit from Whiterock’s experience and rock-solid integrity, go to WhiteRockCapitalinc.com or call 877-228-6060.

nating international investor, therefore, faces a unique challenge when they find that modern institutional bank financing in the United States is not favorable to the foreign national who wishes to take advantage of a weak American dollar and truly depressed American housing markets, however opportunistic the timing is. Most banks will just say ‘no’ to foreign investors who want to apply for loans from American banks. Miller and Guenther, again, had an alternative answer that was, unbeknownst to them, going to have a dynamic impact on their business and transaction volume — the use and implementation of private lending. By partnering with a local lender who has just implemented a trademarked private lending paradigm created by a local Memphis real estate investor, Miller and Guenther

PAGE 45 • 2012

began to offer non-qualifying, non-recourse, private lending for each and every property they offer to investors, regardless of nationality. This establishment of what is essentially ‘asset based lending’ has propelled their business forward. Miller and Guenther’s reinvention of themselves holds critical lessons for us all. The real estate business in the past few years has faced a tumultuous and rocky path, one which has seen many investors fall to the wayside. In an industry vertical where only the strong truly survive, Miller and Guenther’s partnership demonstrates that adaptability and perseverance truly carries robust and great rewards, for those strong enough to cross the finish line. Visit online www.BuyMemphis Foreclsoures.com

reWEALTHmag.com

Investing VS Buying, pg. 41

sell her eBAY shares twice per week she will earn $2,000 per week; $2,000 twice per week for four weeks produces $8,000 per month in income. Instead of blindly placing her profit from her real estate sales in a mutual fund, Maureen is earning fast, sexy money trading stocks. Some of the advantage of trading stocks online are no closing costs, no attorney fees, and no credit checks. When you buy and sell the right stocks in a volatile market, the profits are fast, sexy and fun. Again, Maureen is a volatility trader, not a day trader. She earns big profits from changes in a stock price without having to stare at a computer screen all day. How is this all possible? Maureen has a financial education and understands that stock prices rarely remain the same throughout the day. They are constantly changing. The rapid changes in a stocks price is called volatility. Financial freedom is about having and enjoying income from multiple streams. Isn’t it time you added stock market trading to your list of revenue streams?

Join our magazine’s Facebook Group and Mingle with Investors!

RetireEarlyWithRealestate @groups.facebook.com

MATTHEW C. MULLHOFER, Attorney at Law In good times and in tough times

WE ARE YOUR ADVOCATES

A Professional Law Corporation 2107 N. Broadway Ste. 103, Santa Ana, CA 92706 Ph: (714)827-9955 Fax: (714)827-9966

• • • •

When Hollywood actors and Silicon Valley executives want to increase their wealth, they turn to Tyrone Jackson. He’s the founder and creator of the Wealthy Investor program. Each month, Jackson teaches beginners and seasoned stock market investors how to produce monthly income ranging from $5,000 to $30,000. He’s also the creator of The Wealthy Investor’s Guide to Stock Market audio CD series. Visit www.TheWealthyInvestor.net for details. A frequent radio and TV guest, Jackson has been seen on CNN/FN and NBC’s The Other Half. Send us your feedback on this month’s column. We’d love to hear from you, email us at: feedback@the wealthyinvestor.net

PROFESSIONAL LEGAL SERVICES Asset Protection • Wills & Trusts Lawsuit Protection • Real Estate Tax & Estate Planning • Short Sales High Net Worth • Foreclosure & Bankruptcy

Call for a FREE Consultation

714-827-9955 http://www.protectmyassets.com

Learn from THE National expert how to use Land Trusts for privacy and asset protection. Visit Randy's website for lots of FREE Land Trust information or call him now @ 866-696-7347 with your questions.

How Hard is Your Money Working, pg. 44

through refinance closing, generating a return of 36%. If the refinance took the entire note term of 90 days to close, the total profit would be $4,000 plus three payments of $2,000 totaling 10,000, which calculates to a 20% return. Therefore, our investor lending program makes our investors’ money work harder, generating between 20% to 32% returns. Get educated and learn ways to make your money work hard for you by earning higher returns than the traditional savings and certificate of deposits. Realty411Guide.com

Randy Hughes

Land Trust Expert 40 Years Experience

RealEstateforProfit.com PAGE 46 • 2012

reWEALTHmag.com

The Way to Unlocking Your Financial Freedom through A L L - EN C O M P A S S I N G R E A L E S TAT E I N V E S T M EN T S O U R C E 360ยบ Degrees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

Market Data

F E AT U R

ED PRO PE

R T Y: Zero Do wn Dealร 4 BRร 2 Fully Re .5 habbedร Bathsร Tenants Huge Eq in Place uityร Po ร sitive Ca sh Flow!

Investment Opportunities ย 7XUQ .H\ 5HQRYDWHG 5HQWHG 5HDO (VWDWH ,QYHVWPHQWV 1DWLRQZLGH ย 'LVFRXQWHG :KROHVDOH 3ULFHV 3URYLGLQJ %XLOW ,Q (TXLW\ ย &DSLWDOL]DWLRQ 5DWHV RI

ย =HUR 'RZQ 'HDOV ZLWK 3RVLWLYH &DVK )ORZ )LQDQFLQJ 4XDOLILFDWLRQV $SSO\

R F E AT U RENT

IE S E D C IT

polis, Indiana CUR Vegas, pa, s m a a L T , ouston, Phoenix , Dallas, , Rochester, H , Sacramento le is Memph leveland, Seatt nta, Charlotte a C Atl o, Chicag sas City, is, Kan St. Lou

ย 6HOOHU 2ZQHU )LQDQFHG ,QYHVWPHQW 'HDOV 1R )LQDQFLQJ 4XDOLILFDWLRQV

ย 8S WR <HDUV +RPH :DUUDQW\ ย *XDUDQWHH 5HQW 3URJUDP 8S WR 0RQWKV

ย ,QYHVW /HYHUDJH <RXU ,5$

The Bottom Line: We provide everything you need! We provide you the education, research, maps, data, tools, opportunities, process, due diligence checklists, and contacts, along with personal, financial, and asset portfolio tracking and analysis to help you choose the right income-producing assets to add to your portfolio.

ย (FRQRPLF ,QGLFDWRUV ย 6HJPHQWHG 0DSV ย 4XDUWHUO\ <HDUO\ $SSUHFLDWLRQ 'HSUHFLDWLRQ ย 3RSXODWLRQ *URZWK 7UHQGV ย 5HFHQW )XWXUH -RE *URZWK ย 'HPRJUDSKLFV ย 9DFDQF\ 5DWHV ย 3URSHUW\ 7D[ 5DQNLQJV ย 6DIHW\ &ULPH 5DWHV ย 1XPEHU RI )RUHFORVXUHV ย 8QHPSOR\PHQW 5DWHV ย 0HGLDQ +RPH 3ULFH ย 0HGLDQ 7D[ $PRXQW ย &RVW RI /LYLQJ ย $IIRUGDELOLW\ )DFWRU ย 0HGLDQ 0RUWJDJH 3D\PHQW ย 3HUFHQWDJH RI 5HQWDOV ย 3HUFHQWDJH RI 2ZQHU 2FFXSLHG ย 1XPEHU RI %XVLQHVVHV ย 6HFWLRQ 0DUNHW 5HQWV ย 0HGLDQ ,QFRPH ย 5HJLVWHUHG 2IIHQGHUV ย %HVW 6FKRRO 'LVWULFWV

ROLODEX CONTA CTS

ย :KROHVDOHUV ย 5HKDEEHUV ย 3URSHUW\ ,QVSHFWR UV ย $SSUDLVHUV ย 3URSHUW\ 0DQDJHP HQW ย 0RUWJDJH 3URIHV VLRQDOV ย 5HDO (VWDWH $JHQW V %URNHUV ย $FFRXQWDQWV

www.

ย $WWRUQH\V ย (VFURZ ย 7LWOH ย ,QVXUDQFH ย :DUUDQW\ ย &ORVLQJ $JHQWV ย *HQHUDO &RQWUDFWR UV ย 5HWLUHPHQW 6SHFLDOLVWV

.net