How To Rob Your Bank · 10. 6 key factors that determine your credit score 11. 7 secrets to...

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How To Rob Your Bank

Discover my proven, easy system to create financial freedom

through real estate, even if you have No-Money & No-Credit.

FREE content-rich video series at www.NothingDownCanada.com

Secrets The Banks Do Not Want You To Know

Catchy title hey, but seriously, this is not literally about how to rob a bank. This Special Report is about understanding exactly where the four corners of the banks box lie, to enable you to play in their sandbox and get rich doing it. I’ve been studying the in’s and out’s of bank mortgage financing and making millions doing it for two decades and now I’m going to give you my best secrets absolutely FREE, no strings attached. Although this content is positioned for Canadians, much of the techniques, strategies and systems apply just as well for US real estate investors. By the end of this special report, you’re going to learn:

1. Keys to the mortgage vault 2. The investors secret bank weapon – DCR programs 3. How to get dozens of bank mortgages (just like I did) 4. Top 5 investor friendly banks 5. How to use the banks backdoor to get approved 6. Bank landmines and how to avoid them 7. How to “stack the mortgage deck” 8. How CMHC could soon end your investing career 9. How to tap into the real estate gold rush 10. 6 key factors that determine your credit score 11. 7 secrets to protecting your credit score 12. Credit and bankruptcy – how to fast track your recovery 13. Where are interest rates headed in 2012 14. Inflation – the hidden truth exposed

Most of the big banks do not report your mortgage to any of the credit reporting agencies. Why is that? I’ve asked dozens of bankers and banking executives over my two decade creative real estate investing career and no one seems to know – or wants to come out with it anyways. I certainly have my “conspiracy theory” explaining why, but sorry, I’m not brave enough to stand on rooftops and publically announce it to the world. If you really want to know my theory, fire me an email and I’ll be happy to tell you my theory and expose the banking industries dirty little secret. Banks are real gun shy about lending to self-employed and commission income people. If you’re self-employed or a commissioned employee and you’ve ever applied for a mortgage, then you know what I mean. You’re already outside the banks box, so you’re behind the 8 ball right from the get go. However, I do have Good News for all you self-employed and commissioned employees! You can fit inside the bank’s box and get just as many mortgages as employed investors. How you ask? They key is you’ve got to make yourself an employee of your company. However, one of the killer mistakes I see all the time is investors call their company, “Bob’s Backhoe

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Services” for example. You want to call your company something more corporate like, “Omni Equipment Group Inc.” Also, make your position commensurate with your salary, so if you pay yourself $100K/year, you could make your position something like, “Western Regional Manager”, but don’t make it sound like a sales position because banks equally dislike sales positions. They perceive both as unstable or “risky income.” Your company doesn’t really even have to be incorporated. It can simply be a sole proprietorship. Here’s a big one. Make sure your companies phone is registered with the major online phone directories such as, Yellow Pages online as they will check you out there and if you’re not registered, that’s a red flag to them and they may decline your application and not even tell you why. Keys To The Mortgage Vault This is a game-changer subject if your goal is to buy as many positive cash flow properties as you can using bank financing. The cheapest form of “Other-People’s-Money (OPM)” is bank financing so you’ll want to learn how to maximize the number of mortgages you can get there first. To do this you must be strategic in your approach about fitting into the bank's box and know which lenders to approach in what order and become intimately familiar with all aspects of bank mortgage financing. That’s no simple task either as you’ll be hard pressed to find anyone that knows it all (no, not me either). Having said that, I can tell you that I’ve been studying the in’s and out’s of Canadian bank mortgage financing for two decades now, all the while buying aggressively myself, so I’ve got you pretty well covered in this arena. Also, I will say that this knowledge I’m giving you here is just the tip of the iceberg of what you must master if you’re ever going to make it past even a dozen properties. From what I’ve seen, it’s the most difficult subject matter for creative investors to learn because we’re talking about the SECRET, internal workings of the banking system – and they don’t want you to know where the four corners of their box lies for fear that you’ll “work the system.” That’s why I find even many experienced creative investors have inadequate knowledge in the arena of creative bank financing. I call this “Core Competency Knowledge” that you absolutely must master if you’re going to buy dozens of properties in your name. Oh, yeah, and if you’re looking for a mortgage broker to show you this stuff – good luck! I’ve found that most only know a small fraction of it. Okay, let’s jump right into this. The Investors Secret Mortgage Weapon - DCR Programs Most non-bank lenders such as; Marix, Street capital and First National will only go up to 5 rental properties then you're maxed out with them. So if you're trying to build a substantial portfolio, you’ll want to max out these non-bank lenders first, since you won't be able to use them later anyway.

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After you’ve got 5 properties or so, your options become much more limited with these lenders and your deals will have to go to head office back East for approval. This makes it much harder to get approved because your deal is scrutinized more in the under-writing process at head office and there is way less discretionary approvals, like the ones you can get at your local branch level. So, when starting to build your property portfolio, you’ll want to go to these lenders, in this rough order (best order is highly dependent on your application):

1. Firstline, which is a division of CIBC 2. Scotiabank, although they’ve started to tighten up for investors 3. RBC 4. First National 5. Marix 6. BMO 7. Street Capital 8. National Bank, which will go up to 16 investment properties in their DCR program. 9. TD Financial is great to go to once you go beyond 16 properties. 10. Canadian Western Bank, is your final stop when you own over 25 properties or so,

but they look at your application as a commercial client which means their underwriting is more stringent and heavily dependent on your DCR or cash flow and their money is more expensive, but still well worth it if you’re buying right.

Because most banks only take 50% of the rental property income from your entire portfolio, investors typically end up bumping into their maximum debt service ratio ceiling after buying only a handful of investment properties. So after you own 5 to 8 properties, you’ll have to go to banks that cater to investors through DCR programs. With DCR investor programs, the investors DCR ratio is calculated on their entire real estate portfolio and it must be > 1.1 to qualify. This is one reason having positive cash flow properties is critical, because any negative cash flowing properties will pull down your DCR and eventually cripple your ability to get mortgages even through bank DCR programs. Sometimes investors find DCR mortgages a bit of a tough pill to swallow since rates are often a point or so higher than everybody else, but it is absolutely necessary and cost-justified provided you’re building a large portfolio of positive cash flow rental properties. How To Enter Your bank Through the Backdoor Years back, legislation was passed giving the Canada Revenue Agency (CRA) the ability to file a “Super-charge” against property titles which essentially jumps the queue of all existing charges registered on title before it, including 1st mortgage holders. Banks have been burned by CRA on this so now they’re a real stickler on getting your up to date Notice of Assessment (NOA) and T1 General (from your tax return) to make sure you don’t owe taxes before they’ll approve most mortgage applications.

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However, there is a secret backdoor to get around this problem. That is, there is about a six-month window of opportunity when most banks do not require your previous years NOA. I find if you’re a salaried employee, most lenders will accept a job letter and your most recent pay stub as income verification without requiring last years NOA, but only up to June, possibly as late as July or August. Anything later will require your last years NOA and T1 General. This is especially helpful if say you're self-employed and either had a poor year or you decided to dividend yourself the previous year. In these cases, your NOA would hurt your application so you don’t want to use it. So, if you either owe the gov’t taxes for last year or your income was low last year, you’ll want to get busy and do all your real estate purchases in the first half of the year so you won’t need your most recent NOA or T1 General. Top 5 “Investor Friendly” Lenders

1. Scotia Bank has been on top for many years, but they've recently tightened up their reins on investment mortgages and are now limiting most investors to a maximum of 5 properties.

2. Firstline Trust is very black and white, which is a good thing as we know exactly where the sandbox we’re playing in is with them.

3. National Bank is great to work with and tend to be more on the lenient side. 4. TD Financial is great, but stay away from them on Skip-Transfer deals. 5. Royal Bank is fairly liberal and fast, but they don’t work with brokers so you have

to go direct. I’ve seen them stretch TDSR levels to over 100% (for me), which is unheard of. They are also highly competitive with rates (especially triple-A clients), although for the longest time they were one of the worst.

National and TD are a bit more net worth dependent, so if your DCR is less than 1.1, or you don't quite fit in the box for some reason, they can usually use a high net worth to offset that and still get you approved. Firstline and many other lenders, however, simply look at the black and white of it and all it takes is for you to be missing one of their check-marks to take you outside their box and then it's a no go. This is why the golden key is having an exceptional mortgage broker that specializes in working with real estate investors. Someone that intimately knows what the box looks like for each specific lender so that when they look at your application, they know which lender is best for your specific situation and deal. Beware of Bank Landmines A mortgage “undertaking” is the instructions all lenders give to their lawyer that contains their funding conditions. TD Bank recently put a broad sweeping condition in their undertakings that basically tells their lawyer to “red flag” and advise them if the lawyer sees anything in the deal that looks “out of the ordinary.” This is a skip transfer deal killer because in skip transfer deals, the seller on your contract is not the title owner and TD doesn’t like that.

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And the worst part with TD is that because their “out of the ordinary” undertaking instructions is so loosely worded and subjective – one lawyer that does these kind of deals all the time may consider this “ordinary”, whereas another lawyer with less creative deal experience may consider much of the creative stuff as being “out of the ordinary.” This illustrates the critical importance of having a highly experienced lawyer that not only specializes in, but is comfortable doing creative real estate deals. And let me tell you, they are few and far between so when you find one, treat them well. I take my Power-Team lawyers and brokers for lunch often. Stacking the Mortgage Deck What you do is get 2 or 3 deals on the go at the same time and then you go to your “Power-Team” mortgage broker and apply for mortgages at different banks for all 3 deals at the same time. This way you only get one credit inquiry on your bureau to buy multiple properties and you don't have to disclose the other mortgages because you don’t actually have them yet. If you’re aggressively buying a lot of properties “stacking the mortgage deck” becomes an important technique and you’ll want to stack your purchases together as often as possible. If you get any more than about 2 mortgage broker inquiries per year, you'll find banks will start turning you away for no reason other than your credit inquiry history tips them off that you’re an active investor and they then perceive you as high risk. Also, keep in mind that one credit inquiry from your mortgage broker is good for up to 90 days, so as long as you're funding all 2 or 3 purchases within 90 days of the credit inquiry, you won't get multiple inquiries by each of the 3 banks. One cautionary note here is that some lenders will pull their own credit bureau, even though your broker has already pulled it, and this usually happens just before funding as a final check to make sure you didn’t go out and get more credit between application and funding. This brings up an important side point. Having a contingency plan and time to implement it is critically important and has saved my bacon on many occasions when the bank suddenly pulled their funding a mere days before closing. Could CMHC Soon END Your Career? The secret’s out … CMHC is quickly approaching its $600 billion cap on the total mortgage business that it will insure and that’s really bad news for real estate investors. This could potentially have crippling consequence on the Canadian real estate market. Imagine what would happen if all buyers now had to put 20% down because CMHC stopped insuring mortgages. That would severely restrict the number of “able buyers” – thereby choking-off demand, causing supply inventories to increase. Basic Keynesian economic theory says prices must then fall. This pending news is a black cloud hanging over Canadian real estate investors right now. It’s a huge wild card out there and you can bet your bottom dollar that CMHC is going to

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progressively start pulling in the reins on all higher risk loan classes before it’s $600 billion cap axe hits, including; commercial mortgages, investor mortgages, and stated income mortgages. In fact, in talking to our Power-Team mortgage brokers, they’re already seeing this starting to happen as of early February 2012. They are seeing investors with good credit and income that should get approved with flying colors getting denied on investment mortgage applications. It’s seems CMHCs axe is already coming down. What does this mean for you? If you've been on the fence, get off NOW, and go buy as many positive cash flow properties as you can before CMHC shuts-off the flow of your real estate money tap. “In the midst of difficulty lies opportunity” says Albert Einstein Real Estate Gold Rush – Untapped Ground Floor Opportunity Can you image what it would have been like for Jim Mason in 1896 when he first discovered gold near Dawson City and started the Klondike Gold Rush? His discovery created gold rush fever; a stampede of over one hundred thousand miners hungry to claim their stake in “The Canadian Dream.” What if such an opportunity existed today, but in real estate, and you could be one of the first to get in on the action? Well, I’m going to show you how you can get in on this real estate GOLD RUSH, while helping many people at the same time. Lets’ start by answering the question - how can CMHC tightening up on investor mortgages possibly spell opportunity for you? Well, for starters, this will make it much harder for all your fellow real estate investors across Canada to buy investment properties – it may even crush many of them. But not you! Indeed, this is great news for you because it means less competition, so hot deals will become more plentiful for you. This news will help ensure you not only survive, but thrive in your creative real estate investing career, but ONLY IF you use my Dream Home ProgramTM strategy. Now, here’s your why and how. With my Dream Home ProgramTM strategy, you are tapping into a massive, untouched market of buyers that virtually no one in the marketplace is serving. According to an LSTAR poll released in late 2011, the dream of home ownership is alive and well among Canadian renters – 70% reported that they would like to buy a home, and are worried that they will be priced out of the market in the future. The fact that they are worried price increases will rob them of their dream of home-ownership, means they are motivated to buy now – but they just don’t know this opportunity exists for them. So it’s your job to use educational based marketing (EBM) and go find them. An estimated 388,000 Canadian households qualify to buy a home but don’t have the down payment and I’m going to show you how you can help make their dream of home ownership come true, and get rich doing it!

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According to Stat’s Cans 2006 Census, there are 3,880,000 total Canadian rental households (and many times that if we count individual people). If we conservatively assume only 10% of all rented dwellings can qualify for bank financing, but are held back from buying a home merely because they haven’t been able to save up the down payment, that means you conservatively have 388,000 Dream Home ProgramTM prospect-buyers in Canada. Now, here’s where we get really creative. You find a property deal that you can buy at 10% below appraised value or more, then you tie it up on contract and flip it to your end-buyer and give them 5% (as your non-repayable, free gift) from your flip equity as the down payment they need. This is where many mortgage brokers start getting concerned (understandably so) because there’s all kinds of bank and CMHC down payment rules that I “appear” to be breaking with this strategy, but I assure you, I have completely legal ways to comply with all these rules and still get the job done – that’s part of my Colonel Sanders 11 herbs and spices. If I was breaking the law, do you think my real estate lawyer with 3 decades experience would have given me a raving testimonial video? You can watch my Power-Team lawyers 2 minute video testimonial at Youtube.com/NothingDownCanada. Back to my strategy. How do you make money here you’re asking, right? Well, for giving your buyer/client the 5% down payment gift and getting them into their dream home, you take a 50% beneficial interest in the property. They are ecstatic with your offer. You are their hero! Your buyer/clients here are typically a family with kids that have been trying to save up to buy a house for typically 5 to 10 years (and often more), but just haven’t been able to. And because real estate prices keep leap-frogging ahead (and history shows us they always will, over the long-term), they sadly get priced out of the market. So even if these tenants manage to save up a down payment in the future, sadly they still get left in the dust. This is a huge problem in both Canada and the States and my JV partners and I are passionate about making the “American Dream” and “Canadian Dream” of home ownership come true for many that otherwise may just never get there. On a side note, I find it profound, almost paradoxical, that in Chinese writing, the word “crisis” is composed of two characters – one representing danger, and the other, opportunity. If you’d like to talk to me about coming on-board and helping create this legacy together, feel free to fire me an email at [email protected] or ring me up at 1-800-420-8588. Okay, now back to how you benefit here. Since the property will be our end-buyer/clients principle residence, and banks love financing “Suzie-Q” owner occupied home buyers, this completely removes your mortgage bottleneck that’s been holding you back from creating financial freedom through real estate. Since they are qualifying for the mortgage, not you –

mailto:[email protected]

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you now have no ceiling on the number of properties you can jointly co-own through my Dream Home Program TM wealth building strategy. This is the most Win-Win, scalable, creative wealth building strategy out there, bar none! Nothing can hold you back now! Joe’s $5,000 Cash Challenge to You If you can teach me a better strategy in Canada, I’ll reach into my pocket and pay you $5,000 CASH (except, my Syndication strategy, which is equally as powerful and profitable). My challenge is as simple as that. No fine print, No malarkey. Let me ask you – can you help 6 people a year get into their dream home if you don’t need any money, credit (they get the financing) and you have my Real Deal Finder 2.0 on your side to magnetically attract distressed sellers to you? Well, if you can, you could make a whopping $20,070,469 profit in 25 years (and the people you help also make a combined $15.9 million). Read the portfolio model assumptions below to see how. Also, to learn more about my Real Deal Finder and how you can use it to find more hot deals than you know what to do with, without lifting a finger (tall order I know), check out my videos at www.NothingDownCanada.com .... you’ll see how we’re cashing-in now.

Portfolio Model Assumptions: 1. You help 6 people per year buy their dream home and you continue to do this for 25 years.

2. Purchase price of each home is $250,000. The Real Deal Finder 2.0 finds the property for you at a 10% discount off fair market value.

3. You give (non-repayable) the buyer the 5% ($12,500) down payment, charge a $100/mo administrative fee, buyer gets 95% LTV bank financing (at 3% interest) and you become his silent 50% JV partner in exchange for giving him the down payment and facilitating the opportunity.

4. You put 5% ($12,500) cash-back in your jeans at closing. 5. All properties appreciate by a very conservative 3% annually.

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6 Key Factors That Determine Your Credit Score

1. Payment history (35% weighting). This is the single biggest weighting variable in determining the empirical calculation of your Beacon and FICO credit scores, which is why it’s critically important to make all your payments on time. I find most people are not aware that you can be late on your bill payments by up to 30 days and it doesn't touch your credit at all. But what's absolutely critical is that you make your minimum monthly payment within 30 days of the due date every single month. Being over 30 days late gives you an R2 or I2 and that will hurt your score badly. Another misunderstood point on payments and credit is that whether you pay the full balance owing or you just make the minimum monthly payment, it makes no difference to your credit score at all.

2. New credit (10% weighting). It can be very damaging to your credit if you’re out there applying for new credit cards, or other credit too often. Not to mention that with each new application, they pull your credit report again, and that in of itself will lower your score if you have more than 3 per year.

3. Types of Credit (10% weighting). Two credit cards is the ideal number to have as far as your credit score goes. Anything more, will slowly, incrementally lower your score, depending on their credit limits and whether you have outstanding balances or not.

4. Length of Credit History (15% weighting). Although maintaining good credit over time will positively impact your score, I find scores are very slow to come up, but I’ve seen them crash by 100 to 200 points overnight after a bad derogatory hits. And it can take years to get it back to where it was.

5. Outstanding balances (30% weighting). The higher your available credit gets, the lower your score goes… but worse yet, the more of that credit you have advanced, or drawn on, the more your score will drop. Especially when you go over 50% of your available credit advanced. But the good thing here is that as soon as you pay off your PLC’s and/or credit cards, your credit score pops up again quite quickly.

6. Collection Accounts (TRUMPS SCORE). I've seen some doozie surprises on credit reports, like for example, someone that forgot to return a Shaw cable box (Utility bills are bad too) and Shaw mailed the invoice to their old address as they moved and didn’t receive it. Shaw places the account in collection and reports the collection on their credit report. I've seen these tiny collections pound people’s credit score by 100 points and more, which is huge and takes forever to get it back.

Be sure to ask your mortgage broker what your Beacon or FICO credit score is when they pull your credit. Since CMHC’s minimum Beacon score to approve your mortgage is 600, that becomes your minimum bar. Don’t ever let your score drop below that or else you’ll be out of the game.

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7 Secrets To Protecting Your Credit Score

1. Maintain low balances on available credit. 2. Always pay on time. This is where the majority of people blow it. 3. Do NOT co-sign on a loan for anyone - ever! 4. Continually keep your accounts active. Don’t let them go dormant. 5. Never get department store or gas station cards. Their reporting policies are brutal

and I’ve seen them trash peoples credit in no time flat. 6. Limit your number of credit cards to 2, or 3 tops. 7. As a real estate investor, it's very important that you pull your own Trans Union and

Equifax credit reports at least annually – ideally every 6 months if you’re actively buying properties. That way you can make sure the report is clean and nothing funny has popped up that's hurting you. This allows you to keep a close eye on your credit score and also helps protect you against identity theft. Go to www.Equifax.ca (chose “Score Power” option) and www.TransUnion.ca and pull both your credit reports TODAY!

Credit and Bankruptcy – How to Fast Track Your Recovery For anyone that's gone through bankruptcy or an “Orderly Payment of Debt (OPD)”, it's all about rebuilding your credit as quickly as possible. The best way to do that is to get two new credit lines on your bureau for 2 years with good repayment history and you'll be well on your way. What I suggest is getting 2 prepaid credit cards because they report to the bureau even though they are essentially a debit card. Be careful though. Although they will serve to build your credit for about the first 2 years (until you can get a real credit card), after that they can start bringing you down so you should cancel them. Most major banks have these prepaid credit cards. As strange as this is, I've seen some of the major banks turn down some people for a prepaid credit card because of a bankruptcy or bad derogatories on their credit report. For that reason, I like Home Trust as they don’t seem to turn anyone down. Equifax vs Trans Union Most lenders will pull your Equifax credit report rather than Trans Union with only a few exceptions. RBC and BMO exclusively use Trans Union and not Equifax. They also don’t use brokers so you’ll have to go directly to them. This does a couple of things. If you know your Equifax score is below 600 (CMHC’s minimum threshold), but your Trans Union score is higher, then you can still go to RBC or BMO for financing. Another situation where this knowledge becomes invaluable is if you happen to be doing 2 deals at the same time. For example, you can get approved by say National Bank, who pull your Equifax, and then walk across the street to your local RBC branch and apply for a mortgage on the second property you’re buying. I call this tactic – a “2-Fur” since it allows you to get two deals for the price of one sort of speak.

http://www.equifax.ca/

http://www.transunion.ca/

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Where are interest rates headed in 2012? Fixed term mortgage rates are directly tied to bond yields, and with the Euro zone crisis in mid-swing and no sign of a resolution in sight, European municipal bond holders are cashing in and heading to Canada in droves because we have the world’s #1 most secure banking system. So 6 to 12 months out I see a low chance of the Bank of Canada increasing its prime lending rate, nor do I see fixed term rates going up significantly in 2012. So peering into my crystal ball I see clear sailing in 2012. Today’s bank financing is the cheapest it's ever been in our generation. Do you hear opportunity knocking on your door? Today's best fixed-term closed 4 year mortgage this 2.99% Today's best fixed-term closed 10 year mortgage is 3.89% Inflation – The Hidden Truth Exposed CAUTION: IF YOU READ ON, YOU CAN’T GO BACK! If you read on, it will be like swallowing the “red pill” from the movie, “The Matrix”… and you will never be able to go back! Let me begin by giving you the punch line, and then I'll work backwards to explain. Although the government would have you believe that our inflation today is hovering around 3%, nothing could be further from the truth. They have merely played a game of bait and switch on all of us. Today's real rate of inflation, as it was calculated back in 1984 is about 12%! In a nutshell, in 1984 our Canadian government changed the empirical formula it used to calculate our CPI rate of inflation. Their goal, which they achieved, was to depress or lower the reported inflation rate, moving the CPI away from being a representative measure of

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the cost of living needed to maintain a constant standard of living in Canada, to a much less realistic basket of goods that no longer accurately represent what you and I really spend our money on every day. Shelter and gasoline – two of our single biggest monthly expenses, were taken out of the CPI rate. Consider that today's average Vancouver homeowner spends 74% of their take-home pay on their mortgage, yet that is no longer factored into the governments CPI inflation rate calculation. I’ll try not to go all conspiracy theory on you here, but I will tell you WHY Uncle Sam did it. The governments hidden agenda was that a low CPI keeps Canada’s interest payments on billions of government obligations low (ie, CPP, OAC, other gov’t pension plans and even the interest we pay on our national debt is tied to their CPI rate). My major point that you need to know as a creative real estate investor is that we are living in unprecedented highly inflationary times. This means all hard assets are appreciating (i.e. inflating) at well above the posted inflation rates that you see in the news. The public considers inflation a bad thing, and for the average Canadian, it is, for the most part. But, as a creative, No-Money-Down real estate investor, you are far from average! When people spend their money on expenses or negative debt, inflation is a bad thing, but for us contrarian real estate investors that intentionally accumulate more and more positive debt in hard assets (real estate is best), inflation is a very good thing that exponentially grows our wealth, especially in highly inflationary times. You’ve gotta check out the powerful animated video called “Why Real Estate Trumps Gold” at www.Youtube.com/NothingDownCanada, which brilliantly simplifies this very complex subject. It’s only 3 minutes long and you’ll truly get it like never before after watching this. This is why I say the key to your long-term success – the key to making it to financial freedom for you and your family, is to buy-buy-buy more real estate – as much as you can, as fast as you can! And then hold-hold-hold and watch your wealth grow over time. That's why I also say, don't be too picky on what you buy, or it will hinder your wealth creation big time! I can't tell you how many times I see real estate investors making this huge mistake. Real estate is a Get-Rich-Slow strategy. You must own millions of dollars in real estate assets for over a decade typically to make it to financial freedom. I'm afraid there are no shortcuts here! Ask me how I know that. Because I spent over 6 figures and many years studying and implementing other real estate guru (mostly Americans) strategies, looking for that “silver bullet.” The fact that today I’m predominantly doing my creative real estate wealth building strategies in Canada says it all.

“Joe’s Dream Home Program and Syndication models are as close to a ‘Silver bullet’ to creating wealth… creatively (no-money, no credit) and passively (no tenants) in real estate... as I’ve ever found”

-Tyler Devin, real estate investor, Surrey, BC.

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To me the best part is that you get to make a family's dream of homeownership come true. Making money in real estate is easy, but finding these kind of truly Win–Win strategies isn’t quite as easy. I mean, at the end of the day, what is the point of life if were not helping each other out? When your every day job is helping people, you feel great about yourself, people feel great about you, and this creates a literal spiral of positive energy that will change your life in profound ways. To test this out for yourself, you can start with just doing one random act of kindness every day (be committed and consistent at it) and you’ll see for yourself. After only one month, you’ll see a big difference in who you are as a person and how you feel about yourself. Let me tell you a personal story that illustrates what I mean here. When I asked my partner, Andrea Lucas, former Director of the World Bank, why her company, ClubAsteria.com, is growing virally, at over $1 million per month, she replied – “Because we’re helping hundreds of thousands of people provide a better life for them and their families. Achieving both success and happiness really boils down to helping others. The more you people you help, the more you’ll make. It’s really that simple.” See my interview of Andrea at www.Youtube.com/NothingDownCanada. I know this concept seems way out there to some people, but as you get to know me, I hope that you will trust me when I tell you that discovering your deeper WHY – your bigger, life’s purpose – is the single most important thing you can do to explode both your success and fulfillment in life!! Finding your BIGGER WHY really is like hitting the “Super Jackpot of Life!” Until next time, my wish for you is that you live life to its fullest and remember – “We make a Living by what we GET, but we make a Life by what we GIVE.” With Passion, Joe Rickards Founder www.NothingDownCanada.com PS, If you’d like to chat with me about my hands-on mentorship program, feel free to drop me a line at [email protected] or ring me up at 1-800-420-8588.

www.Facebook.com/NothingDownCanada

“Like” my Facebook fan page and I’ll send you a FREE copy of both my Best-Selling books… and much, much more…

http://www.clubasteria.com/

http://www.nothingdowncanada.com/

mailto:[email protected]

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What Joe’s apprentices and others are saying about him…

After only 2 weeks of Joe’s JV Mentorship Program, I’m doing a syndication deal and we’re looking at $700,000 in profits in 6 months... all using none of my own money, or credit. Joe’s syndication strategy is a huge money maker and I wouldn’t have had a clue how to do it without Joe’s mentorship! John Shwetz, Edmonton, AB

How To Rob Your Bank · 10. 6 key factors that determine your credit score 11. 7 secrets to...

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