Realty411 Magazine featuring NORADA Real Estate Investments - PART 2 - FREE REAL ESTATE INVESTMENT...

FREE ISSUE

Grow YourWEALTH Itrsquos On Us

Marco SantarelliLeads NORADAReal Estate Investments to New Heights

Strategies toSKYROCKETYour Portfolio

Plus Where Arethe TOP Markets FOR GROWTH

Insider SecretsInvestors Share TipsTrials and Triumphs

411 wwwrealty411guidecom | Vol 4 bull No 4 bull 2013 A Resource Guide for Investors

Print bull Online bull Network

07 Publisherrsquos note08 Insurance myths11 Meet Tim Herriage13 Itrsquos a sellerrsquos market14 What are tax liens 16 Photo tips for investors18 Invest in mobile home parks19 Snail mail success20 Sound advice on leverage22 Flipping Boston on AampE24 Notes with Scott Carson25 Tips on rental management27 Questioning convention with Marco Santarelli31 Profi le of Equity Trust35 Tony Martinez and notes36 Senseirsquos entrepreneurial life40 The 401(K) sinking hole42 Coast to Coast REIA44 A secure investment46 Nick Vertucci always wins48 Market selection advice50 QampA with IPXAZ52 The power of direction54 Benefi ts for investors56 Find your partners

contents Herersquos The Key To Your Real Estate Insurance Needs

ldquo rdquoThe Right Coverage At The Right Time

For a Coverage Proposal Visit or Callwwwnreinsurancecom

888-741-8454

bull Occupied vacant and renovation properties can be included on the same schedulebull Seamless monthly billing and reporting bull Realistic insurance-to-value parametersbull Theft coverage available on vacant locationsbull Coverages underwritten by AM Best ldquoArdquo or better rated insurers such as Lloydrsquos of London Scottsdale AllianzFiremanrsquos Fundbull Insure multiple ownercontrolling entities under one inventory schedule bull Basic or Special form coverage options bull Premises liability of $1 million per occurrencebull Liability coverage only is availablebull Available in all 50 statesbull Insure properties held in IRAs Trusts LLCs Corporations etcbull Embedded program(s) available for property managers private lenders and turnkey operators bull Coverage available for non-US citizens

IRCA-LA Changed Itrsquos NameWe are the ONLY Club in Westside Club inLos Angeles offering FREE ADMISSION

Meetings are on the First Tuesday of Every Month

LEARN MORE AT

wwwprosperitythroughrealestatecomRealty411Guidecom PAGE 5 bull 2013 reWEALTHmagcom

Richard Desich Sr starts Mid-Ohio Securities on January 1 1974

The IRS approves Mid-Ohio Securities as a non-bank passive custodian for IRArsquos

A Drug Mart store in Ohio becomes the companyrsquos first non-traditional asset held within an IRA

The companyrsquos services expand to include all 50 states

Equity Trust Company is founded

Mid-Ohio Securities moves its self-directed accounts to Equity Trust Company

Rapidly growing Equity Trust moves into its new 16000 square-foot facility in Blyria Ohio

New Equity Trust website created wwwtrustetccom receives 1 million unique visitors

Equity Trust holds 40000 active accounts

Equity Trust Company hits $3 billion in assets under administration

Company acquires Texas-based Sterling Trust bringing Equity Trustrsquos client to 115000

Jeff Desich is named CEO of Equity Trust Company

Equity Trust Companyrsquos client base tops 130000

Equity Trust Company opens Denver office and launches Equity Advisor Solutions

Companyrsquos South Dakota service and operations center opens - Equity Trust Company now operates from 5 facilities in 4 states

Industry first online client portal myEQUITY launches giving clients access to 247 networking and education

Equity Trustrsquos Facebook fan base surpasses 5000

Ira the bear becomes Equity Trustrsquos official mascot takes on the task of travelling to spread the word about self-directed IRArsquos

Equity Trust debuts a new look and enhanced services

Inaugural Equity University Networking Conference brings hundreds of self-directed investors to Orlando Florida for proven self-directed investment strategies education and networking

Equity Trust hits the 20000 account milestone

1970s

1980s2000s

2010s1990s

EQUITYTrUsT

Company founder Richard Desich realized early in his career that investing in real estate and other alternative investments in an IrA could be a valuable retirement savings tool In 1974 he began Mid-Ohio securities (which later transferred its self-directed IRA accounts to Equity Trust) and the companys first real estate investment in an IrA took place in 1984

Almost 40 years later the company and demand for self-direct-ed IrAs continue to grow Equity Trust is the nations leading provider of self-directed IrAs and 401(k)s with over 130000 clients in all 50 states and $12 Billion of retirement fund assets under custody

Company website wwwTrustETCcom educates and informs 2 million unique visitors

Equity Trust Company hits the milestone of $12 billion in assets under administration






















1970s

1980s2000s

2010s1990s

EQUITYTrUsT





ldquoWhen you buy within a system you benefit from strength in numbersrdquo - Nick Vertucci

Investors helping Investors

PURCHASE Because we buy so many properties at auction you benefit from our purchasing power

REHAB Our team does a complete rehab of every property we purchase We save on constuction costs because we turn over so many properties Thatrsquos a savings we pass on to you

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CASH FLOW Our guarantee is that your property will have a tennant in it when you take over title That means you start cash flowing from day 1

Call Us Today 800-328-6418

wwwNVcompaniescom

Purchase Price $89900Yearly Return 13


Invest in the BEST real estate market for cash flow

and appreciation

The State of the Note MarketWhy is now the time to invest in bank notes

For Asset Venturesrsquo Tony Martinez the answer is as clear as writing on a wall Martinez entered

the bank note business through his earlier experiences buying and selling real estate mdash in par-ticular short sales

ldquoI negotiated more than 300 short sales through the real estate siderdquo said Martinez ldquoand I was looking for a better wayrdquo

And for the past several years that ldquobetter wayrdquo has been in-vesting in notes A mortgage note is a lien against a property created where someone has borrowed money against it

ldquoItrsquos basically an IOU which states the terms by which the borrower has to pay back the lenderrdquo said Martinez ldquoWhat we do is buy institutional notes that were created by a bank or mortgage companyrdquo

notes

The real opportunity began in 2007 according to Martinez when the market shifted and suddenly those notes were nearly worthless to banks the unpaid balance stayed in place but when the loans stopped performing the banks were in a bind

ldquoMillions of dollarsrsquo worth of notes were no longer of any value to the banksrdquo said Martinez ldquoRemember they used the value of those notes in order to borrow money to lend and make their money and now they had nowhere to go with all this collateralrdquo

Imagine yoursquore a bank said Martinez and you have 1000 notes and every one is performing ldquoYoursquore sitting in a pretty good positionrdquo he said ldquoIf one goes bad itrsquos not really a big deal yoursquoll just sell it off or foreclose or whatever options are available You might spend the time and work out something really attractive for the

borrower because yoursquove got all those other notes working for yourdquo

But in a major financial crisis itrsquos another matter ldquoWhen therersquos a huge hit and all of a sudden yoursquove got 50 of your

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

entures LLC

sset

Industry Speaker amp Coach Tony Martinez

Sound Investment Strategy

Proven Track Record of Success

wwwAssetVenturesllccom PH (855)798-1411

Take advantage of this unique opportunityCall us or visit our website to receive a FREE DVD

Mentor to the note industry

Continued on pg 36

Realty411Guidecom PAGE 35 bull 2013 reWEALTHmagcom








wwwNVcompaniescom




and appreciation

by Robb Magley

inventory becoming worthless and yoursquove got to figure out a way to create some liquidityrdquo said Martinez ldquoSo yoursquoll start selling off your bad paper at fire sale pricesrdquo

The need for that liquidity is fundamental according to Martinez ldquoIf Irsquom a big bank the government requires me to freeze some of my good liquid assets to protect my bad debtrdquo he said ldquoThat limits my lending power on the other siderdquo

Thatrsquos because a bank is allowed to loan as much as ten times its liquid assets for every $100000 in liquid assets it can loan $1 million

ldquoNow if I have a loan of $100000 thatrsquos not performing I have to freeze the equivalent of $1 million in lendingrdquo said Martinez ldquoThat really affects my business in a negative wayrdquo

Now he added imagine if the bank can sell a non-perform-ing loan thatrsquos worth -- on paper -- $100000 to someone for $20000

ldquoSuddenly I have $20000 in liquid assets and I can loan $200000rdquo he said ldquoTherersquos a huge benefit to them to do this the benefit to us is we can buy these notes for pennies on the dollarrdquo

Several other factors have come into play that make this a good time to get into notes said Martinez Right now he said most of the notes that are available for investment are ones that were taken on originally by larger banks -- and their time is running out in at least two ways

ldquoThose big banks have until the end of this year to relin-quish as much of the bad debt as they can and still receive up

to an 80 reimbursement for their lossrdquo said Martinez ldquoSo thatrsquos a huge motivating factor for the banks to get these off their booksrdquo

Also after the TARP money runs out at the end of this year the government is putting increasingly complicated lending regulations in place for the following year ldquoSo the banks want to put themselves in as much of a liquid position as possible right now to continue to be able to borrow from the govern-ment at a very low rate while there arenrsquot as many regulatory restrictionsrdquo said Martinez

Finally banks are simply tired of the resources they expend keeping up with non-performing notes

ldquoThe maintenance of a bad note costs them so much more than that of a good performing note probably 10-15 times morerdquo said Martinez ldquoThey really donrsquot want to deal with them You have to think at their scale while wersquore looking at 10 or 100 of these theyrsquore dealing with thousands It makes more sense to sell it offrdquo Martinez said the note market is probably going to remain strong for several years particularly due to the volume of inventory

ldquoTherersquos hundreds of thousands of delinquent notesrdquo said Martinez ldquoItrsquos going to be impossible to move them overnight Wersquore probably looking at a year or tworsquos worth of inventory lagging behind even if the market changes dramaticallyrdquo

And he said no one he talks to thinks thatrsquos less than 3-5 years away

For more information or to receive a free informational DVD on the note market visit wwwassetventuresllccom

bring in 7-8 older repo homes to in-crease occupancy and sell them on a lease-to-own program Then raise the lot rents by $10-$25month (de-pending on the market)

After 18 months when you have increased the annual lot rent in-come by $30000 sell the park for $450000 which would be a 10 cap for a new buyer (donrsquot be greedy on the sale mdash leave a nice return for the buyer) After paying the seller back and your investors a nice profit and returning their principal you should have at least $125000 in your pocket

Step Two of the plan is to get the original investors to reinvest their $100K along with your $125K and buy a distressed 50-space park Use the exact same formula as Step One for the 18-month period You should end of with $250K in your pocket after that sale

Step Three is to buy your 100-space park as notated in 2 above This business is not rocket science Anyone can do

it A quick example A guy I bought a park from in Raleigh NC at the end of 2009 had owned the park since 1979 He never went to college He raised his fam-ily in the park and the cash flow allowed him to send three kids to college After I purchased it he netted out $3 million I paved some of the roads added some cosmetic repairs and brought in 15 older repo homes to fill empty sites I owned the park for two years and was able to net out $1 million in profit after I sold it in December of 2011

Mike Conlon is a PresidentOwner of Affordable Communities Group LLC (wwwacgmhccom) which invests in distressed mobile home communi-ties throughout the Southeast and the

Midwest He is also PresidentOwner of Carolina Turnkey Properties LLC which buys distressed single-family homes in the Raleigh and Charlotte markets He has been a full-time real estate investor for the last 10 years He is based in Cary NC He is also an author speaker and educator on real estate investing His book ldquoUnconventional Wealth The New Main Street Millionairesrdquo was released in August 2012 Mike Conlon can be reached at mikeconlonacgmhccom

The New Main$treet Millionaires

M I K E C O N L O N

Mike has the unique ability to provide Americans with a realistic no BS view of the financial world today ndash one that comes from his years of street-wise investment success in three different businesses ndash financial planning mid-sized apartment complexes and mobile home communities that have made him a true Main $treet Millionaire

He has bought rehabbed and sold over $50 million worth of commercial multi-family (affordable apartment complexes and mobile home parks) involving 15 projects over the last ten years He was a leader in the financial planning business in the 1990rsquos and early 2000rsquos as he grew a financial planning broker-dealer from $12 million in gross revenues to $40 million in six years and then sold it to a large national insurance company he also managed over $100 million of client money in his own financial planning practice before becoming completely disillusioned with Wall Street money machine He is a 1990 graduate of the University of Minnesota Law School

Mikersquos basic investing premise has brought him success over the last decade and he foresees even more opportunities over the next 10 years Unconventional Wealth gives readers insight into the skillz they need to become Main $treet Millionaires

UNCONVENTIONAL WEALTHThe New Main $treet MillionairesIn this book Mike Conlon will show you an unconventional path to prosperity in this very difficult economy by providing quality ethical and affordable services to Americarsquos largest and fastest growing consumer group In order to prosper on this path you donrsquot need a college degree only the willingness to work hard and learn

UN

CO

NV

ENT

ION

AL W

EALT

H

MIK

E CO

NLO

NT

he

Ne

w M

ain

$tree

t Millio

na

ires

Making $100000 per year pg 18

The State of the Note Market pg 35


Why Should You Invest In A Mobile Home Community

Log on to any websites below to get more information

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score a free copy of Mikersquos new book

Unconventional WealthCreating the New

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contain risk including potential loss of principal Please consult your financial advisors before making any financial decisions

AFFORDABLE COMMUNITIES GROUP

3 Thedemandforaffordablehousingisskyrocketing

3 VerylittleifanyaffordablehousinghasbeenbuiltintheUSsincethemid-1990rsquos

3 Muchhighercashflowsthanapartmentcom-plexesastheyarelessmaintenanceintensivehavemuchlessresidentturnoverandmuchlowerongoingcapitalexpenses

3 Higherbarrierstoentryasthecoststobuildanewparkarehighandavailablelandnearlargermetroareasisscarceandexpensive

3 Mucheasiertomanagewhenthemajorityofresidentsarejustldquoleasingthedirtrdquo

Why affordable communities group3 10+yearsexperienceinbuyingrehabbingand

sellingover3000units3 Havecompleted15fullcycledeals(buyrehab

sell)resultinginover$50millionproceeds3 Expertsinthepropertymanagementbusiness

asweself-manageallourproperties-veryldquohands-onrdquo

3 Keepatightgeographicfocus-diversifiedbutnottoospreadout

3 Weputourowncapitalintoeverydeal

Mike Conlon PresidentCEOMIkeConlonakaMainStreetMillionairehastheuniqueabil-itytoprovidearealisticnobsviewoftheinvestmentworldtodayasheishighlyeducatedbutalsohas15years+ofstreet-wiseinvestmentsuccessthathasmadehimamulti-millionaireMiketailorshisbusinessstrategyaroundprovidingoutstandingcustomerserviceandqualityaffordableproductstothefastestgrowingconsumersegmentintheUStotheworkingpoor

mainstreetmillionairecom

affordablecommunitiesgroupcom

carolinaturnkeypropertiescom

Entrepreneurial Lifeby Stephanie Mojica

Sensei Gilliland is a husband father real estate inves-tor and entrepreneur He has little time to spare He runs businesses that are automated to pump out large

sums of cash every day Sensei is the founder and CEO for Black Belt Investors a real estate company that offers investments education and consulting Sensei also owns a chain of martial arts schools a marketing company and an real estate auction bid service focused in Phoenix Arizona Multiple Streams of Income is the most preached about rule for real estate investors but with that systems must be placed How can we as investors automate our real estate investing business or agency with other endeavors that we may have Read on to find out

Question When you first started your martial arts business were you expecting that it would be-come a full-time business and a growing company Answer At first I started it with the idea that it would be-come an income stream until I figured out what I wanted to do as a career During college I realized that I was mak-ing just as much money working my part-time martial arts business as the professors who worked full-time careers I received my associatersquos degree and quickly exited college so I could focus my attention on building my business

Q At what point did you venture into real estateA I got started in the real estate because I was looking for a business that would give me a passive income stream First my eyes were set on coin-op car washes I understood the car wash business model but what I didnrsquot understand was how to lease or buy land Now I had to learn the real estate business Herersquos what I learned He who controls the real estate controls the business That was a big lesson for me so I quickly dove into the real estate investing world as I wanted that control

Q Was there a particular real estate niche that attracted you and whyA Yes I was attracted to fixing and flipping houses be-cause I wanted big paydays like I read in the books

Q At what point did you realize that your real estate busi-ness was going to take off and decide to devote yourself to building a second careerA Thatrsquos funny you ask I knew this business was for me right after I took my first real estate workshop I had cre-ated such a passion for flipping houses that failure was not an option for me especially after I had to break the news to my bride that I just spent $30000 on a package of real estate seminars You men reading this article know what Irsquom talking about After my first 5 years of flipping houses across the na-tion and continuing my education I added other cash generat-ing real estate niches such as wholesaling purchase options and rentals I had such a momentum that many people started

to inquire about my business and that is when I decided to expand my business to consulting education private money lending and asset management

Q I see that Black Belt Investors has many spokes to its hub Would you mind telling us which spoke is the most dominate income stream and which spoke captures your passionA Oh thatrsquos easy Buying and selling real estate is my cash machine rentals is my wealth builder and my passion be-longs to educating

Q Yoursquove boot strapped your business and as I understand you run a lean and mean machine What do you do your-self what does your staff do and what do you outsourceA Thatrsquos a fully loaded question but let me put it in simple form I personally like to focus on the creative side of busi-ness I enjoy to tweaking testing and enhancing my products and services to stay on the cutting edge I also love to build new businesses that compliments one of my other businesses I have a powerful staff that I can rely on that enjoys their work Some of my staff works in the office some are out in the field and many are set up to work through a virtual office They relieve me of many duties that would normally tie me down just to maintain the business I know that if I want to

HOw TO COnTrOl YOur TimE amp mOnEY wiTH SEnSEirsquoS SECrETS TO An

lsquomy definition of wealth is having income streams to control my time without compromising my lifestylersquo


grow then I must be relieved of the work that a $10 an hour employee can handle as lsquotime is moneyrsquo and my time is much more valuable than to do the tasks of a $10 an hour job I will mention a few of the duties that I outsource that most businesses can relate too such as database managers internet marketing social media managing services and product sales team and transactions coordinators

Q I know that you own multiple companies How do you manage and control these businessesA I think it is very important to focus on your strengths and hire your weakness If you are going to own one or many businesses then you need to learn how to develop systems that can be operated by employ-ees Letrsquos take McDonalds for an example here you have a fast food chain that will pull in billions in revenue each and every year op-erated by minimum wage workers How can that be It works because of the powerful business branding and the systems that are in place By having great branding and systems it allows the owner to oversee the business and not be in the business which ultimately allows more time for the owner to focus on business building

Q Yoursquore a strong advocate of ldquopersonal brandingrdquo Could you define what that means to youA I had no concept what branding meant until about eight years ago Branding to me is a name that stands for something in prospectsrsquo minds Google stands for ldquosearchrdquo Home Depot stands for ldquohome improve-mentrdquo Redbox stands for ldquovideo rentalsrdquo Developing a great brand and you will have what I call ldquopositive magnet marketingrdquo Prospects will be drawn to you and your business Donrsquot brand yourself properly and you will have ldquonegative magnet marketingrdquo which means you will push your marketing to find prospects

Q How do you define entrepreneurshipA I define entrepreneurship as ldquothe passionate pursuit of opportunityrdquo Entrepreneurship is not for the weak One must work harder faster and smarter than the competition

Q How do you define wealthA The definition of wealth is very personal to each indi-vidual however my definition of wealth is ldquohaving income streams to control my time without compromising my life-stylerdquo

Q What is next for Black Belt InvestorsA I am continuing my work to grow the company and to take advantage of the current market I am excited to have a few irons in the fire that will increase the value of the company and keep me challenged I am always working to build the brand better our service and products and enjoy myself along the journey

Black Belt Investors is a real estate company that offers properties education and consulting To learn more about Sensei and Black Belt Investors or to sign up for his free newsletter visitwwwBlackBeltInvestorscom or call 951-280-1900

photo by Nathan York

from Jason Hartmanrsquos Financial Freedom Report

Itrsquos not much of a secret that the US government is in the midst of big financial problems

The annual structural government deficit is well in excess of $1 Trillion dollars with no end in sight In addi-tion to this there are a growing number of people who are hurtling toward retirement with insufficient assets to sustain themselves during their retire-ment years Reports of people making early withdrawals from their retirement accounts have caused some to proclaim the 401(k) to be a failure and have ex-pressed a desire to replace the current 401(k) individual retirement accounts with a universal government sponsored pension

Ordinarily such a proposal would be dismissed as the pointless rants of folks from the far-left fringe However on October 7 2010 Senator Tom Harkin (D-Iowa) held a recess hearing where he heard testimony from people advo-cating for a ldquoGuaranteed Retirement Accountrdquo (GRA)

The fundamental feature of a GRA system is that the government would seize 401(k) accounts set up an ad-ditional 5 payroll tax and distribute a ldquofairrdquo pension to everybody The line of reasoning that is used to advance the

proposal among its proponents is that it replaces ldquomarket basedrdquo retirement plans with a government pension that is ldquomore stablerdquo Of course this is all a thinly veiled cover for confiscating multiple trillions of dollars in private wealth to bail out bankrupt government programs and union pension plans

However it provides a very impor-tant lesson to the people who have invested their time and effort into building a financial nest egg to fund their retirement This message is that the government has already prepared proposals to come after large amounts

of private wealth When the govern-ment-entitlement state eventually comes to the point of collapse the political establishment will become desperate This creates a tremendous degree of risk for investors since they may end up with a situation where their hard work to save and invest is literally stolen by the government and invested into govern-ment treasuries that pay a rate of interest below the rate of inflation

In this way there is a persistent risk that the once vaunted 401(k) could become a financial sink hole that

Avoid Falling InThe 401(K) Sink Holehellip


cal landscape to determine when or if such actions will be required Furthermore now is a prime op-portunity to begin diversifying your investing activi-ties into areas that are not concen-trated in highly visible pools of capital

One highly ef-fective vehicle for

achieving this goal is income property Since rental real estate is highly frag-mented it will be much more difficult and costly to confiscate than 401(k) and IRA assets In this way fragmentation serves as a defensive mechanism for investors Another way that fragmenta-

now is a prime opportunity to begin diversifying your investing activities into areas that are

not concentrated in highly visible pools of capitaldevastates many millions of middle class investors just as they are nearing the age where they expected to retire It is important for investors to under-stand the true na-ture and gravity of the situation The US government does not currently have the power to confiscate your retirement assets but that power could be granted by congress From there the bill would need to be signed by the President and would almost cer-tainly trigger a major court challenge However the proposals have already been advanced and it seems to be only a matter of time before somebody in Washington DC becomes desperate enough to come after the private wealth of the millions who have invested their earnings into a 401(k) plan

This demonstrates two fundamen-tal truths The first is that desperate governments will resort to highly risky and unethical measures to avoid the consequences of their collective fiscal irresponsibility The second is that our financial resources may be at risk if they are concentrated in a place such as a 401(k) where they are easily visible by government agencies

Now is not the time to incur a penalty and withdraw all of your funds from the 401(k) or IRA plan that you have established for your retirement assets However it is most certainly a time to pay diligent attention to what is happening in the financial and politi-

ACTION ITEm Diversify your investments into fragmented vehicles such as income properties that are not concentrated in large highly visible financial institutions This will help you defend against the risk of the government confis-cating retirement accounts to fund a universal pension system

tion works in the favor of income prop-erty investors is because laws regarding the landlord-renter relationship are all local This means that a single sweep-ing change from Washington DC is unlikely to completely change the land-scape of the income property market for the entire country

Thus the 401(k) carries an increas-ing risk of becoming a sink hole for investors The government is running out of time before the full extent of their generational financial irresponsibility is brought to bear The risk is not yet im-minent but is still very real Intelligent investors should understand that the current world is one where the rules that were originally created to help people secure a happy prosperous retirement are poised to be pulled out from under us at the most inopportune time pos-sible

Jason Hartman has been involved in sev-eral thousand real estate transactions and has owned income properties in 11 states and 17 cities His company Platinum Properties Investor Network Inc helps people achieve The American Dream of financial freedom by purchasing income property in prudent markets nationwide

Jasonrsquos Complete Solution for Real Estate Investorstrade is a comprehensive system providing real estate investors with education research resources and technology to deal with all areas of their income property investment needs Contact Jason at wwwJasonHartmancom or 714-820-4200


by Isaac Newkirk

Itrsquos common knowledge that tremendous money-mak-ing opportunities exist by investing in real estate But questions still loom large Where are the best deals Is my local community ripe for investments or do neighboring cities offer better opportunities Whatrsquos the best way to determine pricing trends in

any given community And this is only the beginning The deeper you go into the

real estate investing environment the greater the number of questions The ever-changing market and uncertainty can be difficult even for real estate veterans to deal with It is for this reason that many savvy investors with years of experi-ence under their belt are increasingly turning back to their local clubs for guidance These groups are known as REIAs (Real Estate Investors Association) Traditionally many have been under the National REIA umbrella a non-profit trade organization with local chapters nationwide However a recent surge in industry activity has skyrocketed the number of independent associations and networking groups

The new Coast to Coast REIAtrade (commonly known online as C2C REIA) is one such organization What makes this California-based investment club organization different ldquoOur main focus is not selling education but encouraging real estate deals to be done within the grouprsquos membershiprdquo explains Pete Asmus CEO and co-founder

The organization is comprised nationally of localized

C2CREIA

groups of like-minded individuals They meet regularly to share ideas discuss market changes learn new concepts and trade industry referrals including who to stay away from in a designated market Most importantly the main objective is to share equity opportunities within the group

Pete got into the real estate business seven years ago and became quite skilled at flipping houses so much so that he was constantly being asked to conduct seminars about the process It didnrsquot take him long to realize that not only did he have quite a knack for the seminar process it was something that he also enjoyed Last year Pete and his longtime friend and business associate Ivan Oberon founded Coast to Coast REIAtrade Ivan handled the real estate side of the business and Pete was in charge of networking responsibilities Today they have over 1100 members and 32 chapters in many states such as Washington Oregon California Colorado Maryland New Jersey New York and Washington DC

It may seem like instant success but the duo have been building connections in the real estate industry circuit for nearly a decade and they were able to tap into an existing da-tabase of thousands Coast to Coast REIAtrade also merged with existing clubs already in place in some markets

Pete believes that investing in the success of club members creates a stronger organization ldquoThe seminar companies want to make money from just trainingrdquo He adds ldquoWhen all you do is care about the money coming in from training then yoursquore not going to care about the end result which is their

California investors begin Coast to Coast REIA clubs to encourage deal participation among members

gt

Pete Asmus (left) and Ivan Oberon founders of Coast to Coast REIAPhotographs by Shannon Asmus


financial freedomrdquoPete says if he is going to help teach someone inevitably

hersquos hoping his student will create wealth and ldquodesire to be a partnerrdquo in future deals Coast to Coast REIAtrade was created to be a network of real estate partners An organized group of business relations across the country Ivan says

The core foundation of Coast to Coast REIAtrade is the Re-gional Managing Partner (RMP) the individual that runs the clubs in the various markets ldquoPart of what our organization is about is bringing people together who are great at something different than what you arerdquo Ivan confides

The organizationrsquos mantra is ldquoconnecting people face to face from coast to coastrdquo The ultimate goal of a Coast to Coast REIAtrade meeting is to connect the right market with the right type of investor ldquoThe one thing you need as an investor is a team Thatrsquos what we providerdquo Ivan says adding ldquoIrsquom all about trying to get you into a network to realize thatrsquos where the real opportunities come fromrdquo

While education is great Pete and Ivan say that what makes Harvard such a fantastic school is not the professors but the

The organizationrsquos mantra is ldquoconnecting people face to face from coast to coastrdquo The ultimate goal of a Coast to Coasttrade

meeting is to connect the right market with the right type of investor

Want to Connect with Coast to Coast REIA

httpwwwc2creiacomhttpwwwyoutubecom

peteasmushttpswwwfacebookcom

C2CREIAhttpswwwfacebookcomgroups

C2CVirtualChapterhttpwwwustreamtv

channelc2creiaOr register for our weekly webinar

Journey to Successhttpwwwanymeetingcom

PIID=E954DD83824F3D For information email

infoc2creiacom

alumni ldquoWhen it comes to investing in real estate you donrsquot have to know everything says Pete ldquoYou just have to be con-nected to people who do Then you can accomplish anythingrdquo


What Exactly is a Secured Investment

by Chris Gleason MMG Capital

If you stick around the real estate investing community long enough yoursquore bound to hear the term secured in-vestment at some point The word ldquosecurityrdquo is thrown around all over the place with the intent of meaning a lot of different things Unfortunately because it means so many different things to so many different people itrsquos often used incorrectly And since therersquos no

uniformity in the way that the word is used it logically follows that there is a general confusion or a lack of understanding of what the word is supposed to mean in the context of real estate investing

Who really cares though right So what if itrsquos used incorrect-ly How does that affect anybody The truth of the matter is that itrsquos extremely important For instance if you were asked whether or not ldquoyour investment is securedrdquo could you answer confi-dently Or if you were asked ldquowhat is your investment secured byrdquo would you confidently know what to say Knowing the difference between secured and unsecured can be the difference between profits and losses The economic implications can have a drastic effect on your pocketbook and the way that you decide what investments are appropriate for your portfolio

here are a few ways to tell whether an investment is secured or not your investment is probably unsecured ifbull The value of the investment fluctuates with the market

bull There is risk for significant lossbull There is no limit to the investmentrsquos upsideSome examples of unsecured investments include stock or equi-ties direct ownership in real estate (flipping or holding for cash flow) ownership in partnerships or entities that own real estate most REITs and promissory notes

On the other hand an investment is likely secured ifbull The value of the investment does not fluctuate and is not market drivenbull The investment comes with some form of guaranteebull The downside risk of the investment is very limited

Some examples of secured investments include bonds and debt instruments trust deed investments real estate tax liens or secured promissory notes and mortgages

Secured Investments are not necessarily better than non-secured investments and vice-versa Each has their own set of pros and cons and each is more appropriate given certain market conditions and expectations So again we have to ask the ques-tion ldquowhy do we carerdquo To answer simply ndash different types of investments are better suited for different types of investors de-pending on their goals and risk tolerances and different types of investments will vary significantly in their expected yields There are plenty of different types of real estate investing strategies out there and some will be suited for certain investors and others will be suited for the rest What works today may not work next year and so on and so forth

As an example of what wersquore talking about consider the com-mon case of Real Estate Investor A that has a little money in their pocket and is trying to decide what to do with it In most cases this investor will go out and buy a piece of investment real estate They may even utilize a loan to purchase the real estate hoping to increase their return on equity At the same time Real Estate Investor B is in the marketplace with some money and is trying to decide what to do with it Rather than purchase a piece of invest-ment real estate Investor B decides to become a secured lender and use their cash to make a loan to another real estate investor

Continued on pg 47


Brian DavisDirector of Business Development (San DiegoSOCAL)3111 Camino Del Rio North Ste 400San Diego CA 92108PhoneCell (619)-892-2438Fax (888) 706-9556Email briandavisaccuplannet

Website httpwwwaccuplannetSDindexhtm

We are experts in Self-Directed IRA and 401 setup and account administration A SElf-Directed IRA401K is a retirement account that you directly control You direct the investments of your choosing

Bryan CalDeronDirector of Business Development (Orange CountySOCAL)Irvine Towers18100 Von Karman Ave Ste 850 Irvine CA 92612Bus (949) 705-4554Cell (949) 233-5866EFax (949) 242-2730EmailbryanaccuplannetWebsite httpwwwaccuplannetOCindexhtm

lamarr Baxter Director of Business Development (Northern California)9245 Laguna Springs Dr 200Elk Grove CA 95758Phone (916) 509-7150Direct (916) 708-0235Fax (916) 405-4000Email lamarrbaxteraccuplannetWebsite httpwwwaccuplannetnorcalindexhtm

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invest in something you know

Nick Vertucci knows the real estate market has a bit of an image problem in the medialdquoRight now when I tell

people Irsquom a real estate investor they generally look at me with a face that says lsquoAre you doing OKrsquordquo he laughed

But between the radio shows the real estate seminars and the peren-

nially-active business hersquos built NV Companies into Vertucci is doing bet-ter than OK

And he forgives his new clients for wondering

ldquoPeople thought that the best real estate market was five or six years ago

NICK VERTUCCI WINS in ANY Market

profi

le

ldquoI control the whole environment from start to finishrdquo

when we had the run-up to the bubblerdquo said Vertucci ldquoBut the fact of the matter is all the savvy investors were selling their product when everyone else was buying Those people were speculating and they were mostly following the herdrdquo

Vertucci said the challenge right now is explaining that right now is actually the time to buy ldquoWersquove never been in a better real estate marketrdquo he said ldquobut most people donrsquot recognize that because they

only understand appreciationrdquoThe model Vertucci and NV Compa-

nies have built their success upon doesnrsquot count on an investment appreciating rather they advise investors to ldquocash-flowrdquo properties mdash set them up with rent-ers and hold on through the up-and-down

That relies upon two things getting a decent deal on the investment to begin with and the ability to manage the property going forward The first according to Vertucci has been a matter of paying close attention to markets Until recently NV Companies and its investors were focused almost exclusively on Las Vegas mdash a city with an exceptionally high run-up in appre-ciation headed into the bubble followed by a precipitous 60 drop in value

ldquoIt had always been an appreciation marketrdquo said Vertucci

You could never really cash flow there because the prices were too high But after the bubble it got to a point where you could actually cash flow at an 8 to 10 cap rate in the good areas and then just wait for appreciationrdquo

So a few years ago Vertucci and his investors went into Las Vegas in a big way ldquoWe told all our investors to get in and get good cash flow and they didrdquo he said ldquoAnd now that market mdash between

the hedge funds going in there and buying and all the investors people from Cali-fornia mdash you canrsquot get product out there

any more at a good price it wonrsquot cash flow the prices are too high But everyone that has purchased there made at least 20-30 on their money since last yearrdquo

The key according to Vertucci was that they were paying attention

ldquoProbably about 8 months before the Vegas market just stopped we saw the writing on the wallrdquo said Vertucci ldquoThen we saw Orlando shaping up with the same type of market just about a year and a half behind Vegas So we went to Orlando to build the infrastructure there mdash and when the Vegas market puttered out we were already up and runningrdquo

That infrastructure is the other half of the businessrsquo success Vertucci explains His company doesnrsquot just find and sell property they offer a rehab and manage-ment package mdash ldquoSoup to nutsrdquo he said mdash that includes all the ingredients needed to make the investment pay off leveraging the bulk buying power of the 50-70 prop-erties they take on every month to bring down expenses mdash and retain control

ldquoWhen my investor buys they get a property thatrsquos already been rehabbed that has a renter in it and is managed by usrdquo said Vertucci ldquoI donrsquot pass them on to third party management because thatrsquos where people get hurt a lot they get all

Continued on next page gt


by Robb Magley

So Investor A takes a loan from Investor B and purchases a piece of investment real estate utilizing 50 leverage and 50 cash down for example To make the numbers simple letrsquos say that the purchase price of the property was $100000 So we have two investors that are both investing in real estate In fact both have an investment thatrsquos based on the exact same piece of real estate They even put the exact same amount of cash into that piece of real estate So then are their investments the same Of course we know that the answer is ldquonot at allrdquo

Investor B has made a secured investment by lending money to Investor A Investor Brsquos downside risk is minimal because they have a loan that Investor A has promised to repay The loan is secured by the property which is valued at twice the amount of the loan Investor A is an unsecured investor Investor A bears the full economic risk of the real estate market in this transaction and also bears the obliga-tion of repaying Investor Brsquos principal plus an agreed upon amount of interest In short the amount of risk that Investor A is taking is much higher than that of Investor B Suppose that the real estate market was to decline by 10 and that $100000 property is now worth $90000 and Investor A decides to sell What are the economic implications

When the property is sold for $90000 all secured inves-


their profit taken away by management companies over-bill-ing So I control the whole environment from start to finish and then I manage these long-term for themrdquo

Vertucci said itrsquos not just a solid business model but also a great way to instill confidence in an investor His reputa-tion rides along ldquoI realized thatrsquos the only way I could get folks to buy these without the fear of being 3000 miles awayrdquo he said ldquoI had to account for everything mdash I help them put on the right insurance review their documents at the title company help with putting the properties in their IRAs help them form LLCs everything you can think of for an investor to succeed even one with no experiencerdquo

By cash-flowing and not being dependent upon appre-ciation Vertuccirsquos investors can weather a lot of financial storms ldquoIf the market gets worse people still have to live somewhere and their first money goes to rentrdquo said Vertucci ldquoThe worse the economy gets the stronger your asset is Now when the market turns and suddenly we have appreciation again yoursquore just going to get that cherry on top You win if things go up or down Holding that brick-and-mortar asset is the safest investment you can makerdquo

For more information about Nick Vertucci please visit wwwnvcompaniescom or contact 800-328-6418

Nick Vertucci Wins pg 46

The Best Kept Secret in Commercial Real Estate

RICH in FivePO Box 2007

Round Rock TX 78680Ph (512) 788-1710

FREE Creative Real Estate Tips

w w w r i c h i n f i v e c o m

What Exactly is a Secured Investment pg 44

tors must be paid first That means that Investor B will be due to receive their entire principal balance plus any interest and fees that theyrsquore owed In other words Investor Brsquos investment wasnrsquot at all affected by the market decline They received every penny that they expected to Investor A on the other hand is unsecured They own the property and there-fore bear the full risk of the investment Since Investor B has already been repaid their $50000 plus interest and fees that only leaves $40000 or less for Investor A (after all costs) Investor A has lost at a minimum about 20 of their invest-ment from only a 10 market decline

Now consider the alternative Say that the property is sold for $110000 instead of $90000 Investor Brsquos economics donrsquot change They receive their principal plus interest and fees at closing Investor Arsquos economics change drastically however Instead of a 20+ loss they now have almost a 20 gain (less interest fees and costs that were paid) Inves-tor A makes a great turnaround and receives the benefit of the upside of the investment while Investor Brsquos economics didnrsquot change

So herersquos the reason behind this simple analysis as stated previously in this article To become a sophisticated inves-tor at the very least you must be able to analyze risk and use that information to distinguish between a good deal and a bad deal In our scenario Investor B took far less risk than Inves-tor A An investor who takes less risk should expect lower returns An investor who takes more risk should only do so if they believe that they can achieve much higher returns

So if you take one thing from this article please take this there are a number of different ways to invest There are even a number of different ways to invest in real estate Some carry more risk than others Some carry much more risk than others especially in certain market conditions Get to know more than one strategy so that one day when yoursquore consid-ering purchasing a piece of real estate (unsecured) and you expect it to yield a 12 annualized return yoursquoll know that you could have achieved the same while reducing your risk with a secured investment If trust deed investing or secured loans are producing similar returns then yoursquoll know why you should think twice about buying that property

For more information contact Chris Gleason managing director of MMG Capital LLC 310-295-1121 (ext 301)


One of the most important deci-sions a real estate investor can make is choosing which real estate

market(s) to purchase investment proper-ties All too often I see investors focus on short-term high cash flow without consid-ering the long-term outlook or high risk factors

Letrsquos start out by listing a few of the main criteria for buy-ing safe real estate investments that generate passive cash flow month after month after month

bullInventory of homes for sale (current inventory average days on market upcoming foreclosures)bullPro-landlord laws and regulations bullGood school systems and a focus on universities and col-leges creating a skilled work force bullA strong and diverse economy with multiple employment sectors including high tech finance and health care bullLow crime bullHousing affordability bullVacancy ratesbullGood rent ratios

Now just because you can buy an inexpensive property in a mar-ket with good rent ratios doesnrsquot guarantee high cash flow Many investors purchase in areas such as Detroit Cleveland Chicago Buffalo and Pittsburgh with the expectation that the cash will be rolling in each month Unfor-tunately their reality can be vastly different

With over 1400 property transactions I have personal experience investing in each and every one of these cities and a few battle scars to prove it Here is just one example of a scenario that can be devastating to a real estate investorrsquos cash flow

In many of these cities a Certificate of Occupancy (read

tax) is required A COO is where a city or county official inspects your property and hands you a list of repairs that must be completed before they return Usually there is a fee for each inspection plus there is a fee for the COO Unfortunately these officials are not business people and the improvements requested can outweigh the cost of the property

I had one house in Chicago built in the early 1900s that was called out for a full ldquogreenrdquo initiative requiring new windows doors and insulation in the walls and ceiling By the time I was done with the quotes it would have cost me over $40000 just to complete the requests Ouch This was certainly not practical for an investment property so the house was sold to a homeowner who didnrsquot mind making that kind of an investment for their primary residence

I know that many people have lost substantial wealth in the down turn and feel like they need to ldquocatch uprdquo In turn they are taking risks by going into areas that claim to have unusually high cash flow on paper The truth be told year after year any solid cash flow market will yield 6-12 cash on cash returns Anything higher than that will usually turn out much lower after you take into account vacancy repairs regulation and taxes

Bottom line when you invest to ldquocatch uprdquo invest in the markets that will be strong in 5 to 10 years from now and where

the monthly cash flow allows you to keep the propertyOne of my favorite sayings is ldquoYou wonrsquot lose money in real

estate as long as you arenrsquot forced to sellrdquo So as long as the monthly cash flow covers the cost of holding the property (and a little more) and you are in the right market with the right type of home you are in the right spot to grow your wealth and catch up Taking the time to research and make smart decisions before you purchase can save you from costly and stressful situations after you purchase For more information on real estate market selection download a free copy of my new Real Estate Investor Checklist on my website

Take Care

Lori GreymontPS Our team of experienced real estate professionals can help you create a customized investment plan and find properties in the best rental markets in the country that fit your plan To reach Summit Assets Group please call 408-782-9162 or visit wwwSummitAssetsGroupcom

Investor BewareReal Estate Market Selection Advice by Lori Greymont

mar

kets

ldquoYou wonrsquot lose money in real estateas long as you arenrsquot forced to sellrdquo


imag

e by

Jos

eph

Mer

cier

Hitting the High Notes pg 24

changed their tune dramatically over the last couple of yearsrdquo

Therersquos obviously a method even an art to pick-ing up property for fifty cents on the dollar after a few years of doing it successfully Carson said it only made sense to start teaching The ldquoNote Buy-ing for Dummiesrdquo workshop was launched in 2008 and Carson has taught hundreds since building a network of trained investors all across the country

ldquoI teach people who to call what to say how to evaluate the notes from different banks different poolsrdquo said Carson ldquoI teach them how to cherry-pick how to market the deals they find how to find buyers for themrdquo Carson said he also gives ideas on how to raise private capital to leverage what yoursquove got to take advantage of the deals you find

Note buying has been around for years Carson said banks have been selling pools of mortgages to other banks and other entities for decades But a lot of his students had always thought you had to have $5 to $10 million to even get in the game

ldquoAnd sure to buy from Bank of America Chase or Wells Fargo yeah you dordquo said Carson ldquoBut besides those big banks therersquos a whole lot of other banks that will sell you stuff at a smaller level Theyrsquore not trying to close a $20 million deal theyrsquore saying lsquoJust buy something from usrsquordquo

Carson stressed his workshop is a hands-on four days ldquoItrsquos not a pitch festival itrsquos a workshoprdquo he said ldquoI bring in real asset managers and hedge fund guys and we get on the phone and make calls in front of everybody so they can see what to say and how I do it I give them scripts to start from they get a nice 200-page manual of contracts and forms I get online and show them how to find these phone numbers and email addresses for asset managers and mortgage bankers and give them an idea of some of the resources that are out thererdquo

And if yoursquore looking for an even more intensive learning environment Carson offers 1-to-1 coach-ing ldquoThis is for someone whorsquos willing to work because it does take workrdquo said Carson ldquoYoursquove got to make the calls yoursquove got to follow up Itrsquos not something that will just happen overnightrdquo

But for someone whorsquos motivated and ready to put in the time and effort Carson said it again Itrsquos a great time to be in the note business

ldquoTherersquos a lot of inventory still sitting out there plus we have a huge commercial foreclosure wave thatrsquos still going to hit usrdquo said Carson ldquoYou can make a ton of money on this by working diligently and when it starts going itrsquos really a lot of fun toordquo

For additional information about Scott Carson and Inverse Investments visit wwwWeCloseNotescom


Economical cash-flowing Georgia propertiesg

For your protection all homes are sold on a 15-day escrowg

ldquoNo Questions Askedrdquo refundable depositg

No Hassle 12 month Home Warrantyg

Headache-free call us anytime post sale support

Question amp Answer with

I n v e s t m e n t P r o p e r t y E x p e r t sby Stephanie B Mojica

With significant apprecia-tion since 2010 Phoe-nix remains one of the

strongest real estate markets in the country thanks to an influx of new-comers moving in from around the country in lure of warmer climates and stronger job markets To get the latest pulse on Phoenix real estate we interviewed Daniel But-terfield owner of IPX (Investment Property Experts) He has been investing locally for fifteen years and gave us great insight on this important market

Question Tell us some highlights about the market What has changed since last yearAnswer The market has changed significantly Since the market in Phoenix has increased 44 (Monthly median sales price in Maricopa county per the Cromford Report) and inventory levels are at an all-time low many of our purchases are coming from pre-foreclosures with equity opposed to short sales or lender-owned property In addition there has been a huge increase in traditional sales

Q What type of opportunities are you seeing nowA We are in a sellerrsquos market however we are still able to find great cash flow investment property as long as we buy properties in distress in high demand areas and do the remodel ourselves This is precisely the value we are able to offer our investor clients

Q What is the best part of being an investor in your areaA Cash flow real estate still exists and appreciation is constantly growing For a very modest investment you can purchase an investment property have your tenant pay-off your investment property obtain a great cash-on-cash return qualify for numer-ous tax write-offs sell your property for a profit all while hedg-ing against inflation and increased taxes

Q Currently how is the rental market doingA The rental market is solid and consistent It is not growing but definitely not decreasing We are starting to see more renters buy properties which is good for investors as this creates higher demand and appreciation for starter home investment properties

Q When did you start your investment career and howA I started investing in real estate 15 years ago my objective was to obtain tax write-offs to reduce my W-2 taxable income from my day job as a consultant for Andresen Consulting (Ac-

centure) Since then I made substantial money in real estate and turned my real estate investing activities into my full-time job with my focus being helping other investors obtain the same goals I have personally created using my existing infrastructure of real estate professionals and service providers

Q What makes your company unique in the marketplaceA Our company is the only company that offers turn-key real estate investment services to investors which allows them to purchase renovated and occupied properties that cash flow In addition we also help investors roll over their retirement ac-counts obtain conventional financing as well as lease and man-age their investment properties

Finally we are able to help our clients also sell their invest-ment properties when the time is right so they can capitalize on the appreciation in the market place then re-invest their money again if they want We also offer alternatives to traditional real estate investing such as Deed of Trust Investing where you can earn a constant 12 annual return on your money while invested in a Deed of Trust

Q Tell us why investors should investigate your marketA The Phoenix Metro market has the perfect balance when it comes to an attractive real estate investment Cash flow along with an appreciating marketplace Phoenix has been ranked in the top 20 cities across the nation for many months and will continue to be one of the best places to invest for a minimum of two more years due our economic growth

Q Can you give our readers some sound advice that can help them in their investment careersA Work with professionals who have proven track record Donrsquot try to do it all yourself in this marketplace Watch out for ldquonewrdquo investment groups and agents who lack the investment experience to help you achieve your investment goals

To schedule a complimentary investment consultation with IPX visit wwwipxcompaniescom or call 602-254-6244


Daniel Butterfield

IPX is your true turn-key solution providerall under one roof

CALL 6022546244 wwwAZInvestmentPropertyExpertscomReserve your seat at our next Investor Roundtable - Check us out for FREE

Within over 15 years in the property investment industry we are focused on maintainingmargins through our proprietary acquisition model

Disclaimer All information and materials are for educational purposes only Returns displayed are estimates only All parties are encouraged to consult with their attorneys accountants and financial advisors before entering into any type of investment All services displayed are OPTIONAL Some of the real estate related services

offered by IPX are provided by entities that are 1) managed or controlled by or under common control with IPX or 2) Not owned managed or under common control with IPX Clients of IPX may utilize non-affiliated service providers for any professional services offered by IPX or its affiliates

Real Estate BrokerageRenovation Company

Mortgage BankProperty Management

Marketing amp Technology

ARE YOU MAKING AT LEAST 12ON YOUR MONEY

tool

s

The Power of Direction (The Iron Fist Inside the Velvet Glove)

as well as a majority before any directive can be issued to the Trustee

For example you might appoint seven Direc-tors who would only issue directives arrived at in formal meetings of at least 5 of them with a three-fifths majority required to take any action This would obviously take a lot of ldquocooperativerdquo people to construct and might not be worth the trouble unless a lot of money is involved

One of the advantages of using a Board of Di-rectors is that you could place younger inexperi-enced heirs on the Board and provide Land Trust training via the Board meetings Eventually the heirs would ldquograduaterdquo to understanding the for-malities of Land Trust administration and begin

forming their own Land Trusts for privacy and asset protectionOftentimes a Land Trust has multiple Beneficiaries and to des-

ignate just one to hold the POD is a matter of convenience and possibly business acumen A Land Trust will operate much more efficiently if only one person holds the power over the Trustee (especially if that person has more business and life experience than the other beneficiaries)

Occasionally Land Trusts are established to hold income pro-ducing real estate to provide support for minor children or men-tally handicap adults In this event the minor or incapable adult would serve as beneficiary (receiving all the proceeds and avails from the trust property) and the parent or benefactor would serve as Director making all critical decisions over the trust assets

The POD is a Property Right and as such is considered per-sonal property This Property Right can be assigned away from the beneficiary temporarily permanently or conditionally For example if the Beneficiary currently holds the POD she could assign this right to another party for one day for the life of the Trust or until Bakersfield California receives 10 inches of rain in a twenty-four hour period Conditional rights like this can be fun to create and a night-mare for your adversaries to penetrate

It would be prudent at this point to mention that anytime the beneficiary or holder of the POD is changed the Trustee must be notified in writing It also is important to always protect the personal liability of your Trustee and this can be done by written notification (to the Trustee) and acceptance (by the Trustee) of

by Randy Hughes Mr Land Trust

Many people (especially some attorneys) do not believe there are any benefits to using a Land

Trust to hold title to your real estate invest-ments After 44 years of investing in Single Family Homes (and using Land Trusts for 30 of those years) I have found that the practical (and often unforeseen) benefits to using a Land Trust are not always obvious

Using a Land Trust to hold title to your investments is like using a gun to protect yourself Your adversary must ask ldquoIs the gun loadedrdquo If the gun is not loaded there

may or may not be much protection But if the gun IS loaded does your adversary really want to take you on A smart adversary will move on to the next target Case in point Here is an example of how to put bullets in your Land Trusts

In my Land Trust seminars and home study courses I talk a lot about the many benefits to creatively using the Power of Direction (POD) in a Land Trust This article will address some specific advantages of the POD and how you might use it for privacy and asset protection benefits

The Power of Direction is the steel hand inside the velvet glove The Director of your Land Trust (which might be you as the beneficiary or someone else who is not the beneficiary) holds all power over the Trustee Remember unlike many other types of trusts the Land Trustee cannot act without specific direction (in writing) from the person or entity that holds the POD

Typically when a Land Trust is formed the Beneficiary also holds the POD but this is not mandatory The POD can be designated to the Beneficiary at the inception of the trust or assigned to another (person corporation partnership or another trust) immediately or subsequently to forming the trust agreement

There are many strategies that you can employ when set-ting up your Land Trust and designating a Director If you do not trust any one person to hold the POD you can set up a Board of Directors and mandate what constitutes a quorum

lsquoOne of the advantages of using a Board of Directors is that you could place younger inexperienced heirs on the Board and pro-vide Land Trust training via the Board meetingsrsquo


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any and all changes to the Trust AgreementWith partnerships and corporations or other trusts as

single or joint beneficiaries the POD can be assigned to a specific individual (in each) acting as a representative of the organization or by the organization itself upon proper resolution of the individual partners or Board of Directors Or the whole problem might be resolved with a Beneficiary Agreement

A Beneficiary Agreement (BA) keeps multiple benefi-ciaries from suing each other over the POD of a trust The BA would set forth rules for apportioning the POD among them provide for resolution of problems and for the broad policy pertaining to administration of the trust by the Trustee Then the only Directives would be ldquoas neededrdquo exceptions rather than having every decision require a vote

It is VERY important to note that when the Beneficial Interest of a Land Trust is transferred it has the effect of cancelling any previous assignment of the POD (unless the assignment was irrevocable) and it then belongs to the assignee Because this POD is not based on any document other than the Trust Agreement which is not made public or placed into the public records it is an easy thing for lawyers and courts to overlook

By adroitly controlling the POD through contingent transfers assignments and use of other Irrevocable Trusts (as holders of the POD) unique asset protection benefits can be obtained without public knowledge for the Primary Land Trust For example by designating the POD to an Ir-revocable Trust any legal attack on the Primary Land Trust could trigger a contingent transfer of beneficial shares to another trust with another Trustee in another jurisdiction with another POD in another Irrevocable Trust

Further asset protection benefits can be obtained via the POD by using non-citizens as co-directors If a US court ordered the citizen co-director to make a disposition of the trust property (which would be against the best interests of the beneficiary) the foreign non-citizen director could re-fuse to cooperate and no legal directive would have effect

As you can see the sky is the limit when it comes to creative uses of the Power of Direction over a Land Trust And the POD is just one of the many parts of a Land Trust that will allow you to be creative in your structuring of asset protecting concepts It is important to point out that I teach these techniques to honest law abiding real estate investors to protect themselves against contingency fee lawyers and their clients (and others who view real estate investors as easy targets for a lawsuit) If you are serious about protecting your assets you need to learn how to form your own land trusts for privacy and asset protection now before you lose your lifersquos saving to the unscrupulous people in our society

For more Land Trust knowledge please go to wwwrealestateforprofitcom or call me Mr Land Trust at 866-696-7347 If you would like a FREE copy of my booklet rdquo50 Reasons to Use a Land Trustrdquo send me an email at randymrlandtrustnet


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Purchase a self storage facility

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Significant Benefits for InvestorsLegal Shield is a beneficial tool for landlords brokers

and real estate investors

by Christy-Ann Olivares

Without a doubt investors need quality

attorneys that are avail-able to answer unlimited questions on any subject matter ie real estate questions taxation in-terpretations of laws and usury rates just to name a few

If you have never needed legal repre-sentation for your investing business or for yourself believe me it is just a matter of time Buying property in this day and age can most certainly be a liability in every sense of the word

The word ldquoAttorneyrdquo puts a feeling of uncertainty and fear into our very being Not many of us like to call an attorney for advise or help of any sort as we know up front the charges we incur can be of an amount extremely large This puts many of us in a difficult situation of whether we should spend the money for attorney fees or to take the risk of not having council by doing without the cost or expense and unfortunately without the professional as-sistance that we might need or require

Many of you have heard of Legal

Shield but really know very little about how it can help you in your business

Legal Shield offers a plan that is called ldquoThe Home

Based Business Riderrdquo in the United States and Canada This Rider attaches to the ldquoExpanded Family Planrdquo and in combination enables the investor and his family to have significant benefits such as

Unlimited questions answered for business or personal matters Three letters drafted per month on behalf of your business Unlimited calls or letters made for you and your family one per subject matter Plus up to three initial debt col-lection letters written per month on your behalf for your business

You can have three contracts or docu-ments up to fifteen pages in length per month reviewed by your provider law firm Also included with your Business Rider is unlimited small business consult-ing service through wwwGoSmallBizcom

Included in your coverage with the ldquoExpanded Family Planrdquo is pre-paid trial protection that is included as part of your membership This benefit grows each year you stay a member with Pre-Paid Legal

totaling up to 335 hours by your fifth year It also includes auto-

mobile representation for you and your family no matter

where you had the accident or the ticket occurred You can have your Last Will

and testament and your Living Will created as part of your family plan benefits If you

already have these im-portant documents in place then they can be updated

free of charge with your membership

As part of the business rider you will have consultation service for your small business This service is provided free as part of your membership through wwwgosmallbizcom

For only $4050 per month is there any question why an investor would not want or need this type of coverage and repre-sentation

I wish you all the best and Irsquom confident that you will find a tremendous asset and tool for your business in Legal Shield Ser-vices

To learn more about how Legal Shield can save you and your family money and grief then feel free to call Christy-Ann Olivares at 415-902-8772 If you like what you are reading and you want to get signed up now then go to wwwChristyAnnOlivaresLegalShieldcom

MEMBER BENEFITSbull Trial Defensebull Debt Collection Lettersbull Telephone Consultationbull Legal Correspondencebull Legal Documents Reviewedbull IRS Audit Protectionbull Reduced Fee Services 25bull Expanded Family Plan Benefits

Christy-Ann OlivaresInvestor - Connector - Motivator

Independent Associate ldquoSmall Business amp Group Benefitsrdquo

Call 415-902-8772 for your FREE 45 minute ldquoPrivate Sessionrdquo

SFBAREIA offers serious real estate discussions in a relaxed setting and social environment Connect with us online to learn more about our monthly mixers

Held on the 1st Thursday of Every MonthLOCATION - THE VINYL ROOM

221 Park Road Burlingame CA 9410 bull 7 pm to 9 pmVisit us httpwwwmeetupcomSFBAREIA


6 A claim that occurred before I (or my entity) owned the property shouldnrsquot affect MY insurance ratehellip7 All policies and coverages are created equally8 Self-insurance is too riskyhellip9 I need ldquobuilderrsquos riskrdquo coverage for a vacant or rehab projectdealpropertyhellip10 It is worth it to hire the ldquohandymanrdquo to do work on my rentalshellip11 If I use my personal vehicle to service my properties my personal auto policy is sufficient12 Itrsquos enough to simply require renterrsquos insurance in my lease13 Cheaper is betterhellip

The National Real Estate Insurance Group covers more than 12000 investors each year Norris says even experienced real estate gurus tend to believe myths such as ldquocheaper is betterrdquo as well as ldquoall policies and coverages are created equallyrdquo

ldquoThe attitude that insurance should be treated as a commod-ity can be blamed on the industry itself who as a knee-jerk reaction and effort to grow market share seem to not really understand the needs of the public Their lsquocontact us to save $XXX on your coveragersquo advertising campaigns reinforce the

13 Insurance Myths Debunked pg 8

public attitude that insurance is a lsquoone size fits allrsquo industry and getting the lowest rate makes the most sense Un-fortunately when you really need it this planning or lack thereof has hurt more consumers than it has ever helpedrdquo Norris says

Norris and his highly trained employees work closely with each client to develop unique insurance plans Some investors do not need liability insurance Other property owners need liability insurance to protect contractors as well as renters Every real estate investor at least needs to cover the property against acts of God or criminal activi-ties according to Norris ldquoAs part of your business plan insur-ance can help you when you need it but not drain you when you do notrdquo Norris says

To learn more about the National Real Estate Insurance Group call 800-900-5324 or visit wwwnreinsurancecom

5 Years of WORRY-FREE Reliable Rentals

Call Today for a FREE Report on Selecting Reliable Rentals

513-275-1512 or emailJustAskMissyaolcom

retirewithrealEstateBiz

bull No Vacanciesbull No Maintenance Costsbull No Management Feesbull Already Rehabbedbull Already Rented

ndash Missy McCall Hammonds CEO

Our Turn-Key homes are really that simple we have a time-tested system to assure that you have worry-free rentals Our re-peat buyers are our proof


Tim Norris

National Real Estate Insurance Group offers flexible services to real estate investors such asbull No minimum premiumsbull No required property inspec-tionsbull Polices appropriate for differ-ent types of occupancy phases including vacant rental or renovationbull Multiple properties can be covered under one policybull A monthly pay-as-you-go reporting form

Often I am asked how I can find raising capital to be relatively easy There is a lot of money sitting on the sidelines But many investors are so wary of losing money that only the most compelling

projects attract their attention It seems like people with deals are always chasing money

But itrsquos not actually that way A small percentage of deals experience the opposite These are great deals I believe that all great deals get funded The only question is ldquoWho will fund the deal Will it be me you or someone elserdquo Great deals experience a lot of competition Money will chase good deals Raising capital for weak projects is difficult

An investor in New Orleans recently told me ldquoI had a great deal on a townhouse complex but it fell through be-cause I couldnrsquot get it fundedrdquo My contention is that it may have looked great on paper but probably wasnrsquot a great deal in the eyes of the person considering investing their own funds Thatrsquos why it didnrsquot get funded Again all great deals get done

OK Letrsquos say you have a great deal Now what How do you go about raising capital

Irsquove raised several hundred million dollars in my career In my experience raising capital is based on three funda-mental elements

bullRelationship bullTrust bullResults

RELAtIONShIpIf someone you didnrsquot know approached you and said ldquoI have a great deal Therersquos an opportunity to make a lot of money All I need is $2 million to make it happenrdquo Would you commit $2 million of your own cash with someone you didnrsquot know I know that I wouldnrsquot and I believe that most people wouldnrsquot do it either I raise capital from people that Irsquove developed a relationship with

The relationship comes first As part of building that relationship I know what is important to my potential fund-ing partner All money has an agenda attached to it If the agenda for the money and the goals for the project donrsquot align then donrsquot take the money It wonrsquot work in the long term

Let me give two examples I have two funding partners with vastly different goals 1 One of them wants to make high rates of return on a short-term basis Theyrsquod like to recycle their money into a different project every 90 to 120 days

stra

tegy

FIND YOUR FUNDING PARTNERSVictor Menasce author of ldquoThe Great Canadian Take Over How Savvy Canadians are Profiting

Wildly from the Meltdown in the US Real estaterdquo shares his insights on locating your next JV partner


ldquoIrsquove raised several hundred million dollars in my career In my experience raising capital is based on three fundamental elementsrdquo2 I have another funding partner who believes that short-term projects can make high returns but that money will sit on the sidelines between projects earning zero He prefers to make a more modest return but wants his money working for him in longer-term projects His philosophy is that he will make more money and have lower risk by keeping his money at work

I canrsquot say that one is right and the other is wrong Theyrsquore just different Irsquom not going to try and convince a short-term investor to make a long-term investment and Irsquom not going to convince a long-term investor to do a short-term transaction It wouldnrsquot make any sense Always take care to align the goals with the agenda associated with the money

I never ask a potential funding partner for money Irsquom never desperate for cash Instead I offer funding partners the opportunity to collaborate on a proj-ect Thatrsquos a completely different posture When partners work together to create value great things happen I in-vite my funding partners to become full partners in a project Irsquom never offer-ing a passive investment for a share in the profits This is required to be in compliance with securities laws A promissory note with a fixed rate of return is perfectly legal and protects the funding partner I will often secure the funding partnerrsquos interest in the property by granting a mortgage on title or a membership pledge in the event of default on the terms of the promissory note

tRuStTrust is at the foundation of raising capital Trust has a lot of layers Therersquos much more than ldquoAre you an honest personrdquothe astute funding partner wants to knowbullCan I trust you to ask the right questions about a projectbullCan I trust you to put together a good planbullCan I trust you to execute that planbullCan I trust you to manage risk appropriatelybullCan I trust you to communicate openly amp transparentlybullCan I trust you to communicate when there is a problembullCan I trust you with my moneybullCan I trust you to hire good people

If the answer is ldquonordquo to any of these questions then the fund-ing relationship will run into difficulty If yoursquore interested in learning more about this aspect I recommend a great book by the son of Stephen Covey of ldquo7 Habits of Highly Effective

Peoplerdquo fame Stephen MR Covey wrote a wonderful book called ldquoThe Speed of Trustrdquo It is a powerful book that will change your perspective on all relationships personal and business

RESuLtSWhat results can you show Show me a track record of suc-cess Show me what yoursquove done mistakes and all Past results can often be a predictor of future results but not always Will you invest with someone who has lost money on eight out of their last ten projects I wouldnrsquot

E-Bay uses a rating system and enables customers to choose their seller based on their rating This rating documents their track record Reputation in business is part of that all-important founda-tion of trust Some new investors see

a dilemma in what Irsquom proposing ldquoHow can I raise capital without a

track record How can I develop a track record if I canrsquot raise any capitalrdquo My response to that is simple First of all investors prefer to invest in businesses not the self-employed Business is a team sport If yoursquore not part of an in-vestment business and yoursquore just start-

ing then join an established business with a track record of success Work in that business for

a period of time You can then legitimately borrow some of their credibility and track record While you donrsquot own that track record yourself you can

show that you have played a key role in successful projects This is often enough to show a funding partner that you know what yoursquore doing

Itrsquos important to be aware of securities laws and make sure that yoursquore in compliance with Securities and Exchange Com-mission (SEC) rules The SEC has strict rules on securities and solicitation for investment It is illegal to solicit for investment unless very specific criteria have been met to market a security to the public or to accredited investors Canada has similar legislation that is administered by the provincial securities regulators such the Ontario Securities Commission (OSC) and the Alberta Securities Commission

The keys to developing funding partners for life are rela-tionship trust and results Always be mindful of these three factors They are foundational to raising capital

Victor Menasce teaches workshops on raising capital across the United States He can be reached via email atvictorgreatcanadiantakeovercom


actually lists reasons not to Now the mortgage is not one of his reasons but why would it be Like I saidhe is one of the wealthiest men on earth

The point is that a 30-year mortgage has become standard and not only standard for what companies want to show it has become standard for what investors want to see

hOW DO INVEStMENt COMpA-nIES SHow THEIR numbERSMany companies who provide invest-

ment opportunities including mine will show a mortgage projection based on the 30-year mortgage Why Because it is what the average every day investor wants to see It is how we have been programed A simple search of the Internet will return article after article extolling the benefits on using a 30-year mortgage especially for the positive ef-fects it has on an investorsrsquo cash flow

When I first started investing I was coached to use the 30-year mortgage as a tool to boost my monthly income while allowing a renter to pay down my note When I first started I loved the idea of using a 30-year mortgage and putting 20 or less down as a GREAT tool to boost my cash flow And it did It made my cash flow go up and I had a certain level of comfort with that The problem is unless you have significant

reserves in place heavy leverage can come back to bite you on investment properties

Another major point that I missed when I first started investing and has been taught to me over the years from some investors much smarter than me

was that for the first 25 years of my ownership of that property I would be paying more in interest payments than I was earning in cash flow In the first 15 years it would be substan-tially more

OWN pROpERty OutRIght AND REAp thE REWARDSI am a big proponent of owning real estate out-right I have used leverage sparingly over the last four years and only as a tool to acquire properties and not as a tool to own proper-ties I have put every property that I have used leverage to purchase on a quick pay off schedule

Many homeowners and real estate investors will tell you that there is a simple strategy that makes a 30-year mortgage a good investment You simply place a 30-year mortgage on an investment property and pay it off like it is a 15-year mortgage I am neither for nor against this strategy I just do not use it myself for the reasons I will expand on below I know as I write this that there will be some readers who will comment that yes this is the precise

strategy that they use and that they calculate each month exactly how much money to pay to reduce the principle each month They feel that they get a lower rate since a 15-year mortgage can cost as much as 25 to a 50 point more

To those readers that follow this strat-egy and actually follow through on this

strategy I will say that

I believe you are in the minor-

ity and congratu-lations It takes

tremendous self-discipline to be able to

make that strategy work and I have met many inves-

tors who claim this will be their strategy only to find that they like

bragging about higher cash flow more than they like bragging about owning the property The discipline it takes to carry out this strategy is often missing from many investors

put yOuR SELF IN pOSItION tO OWN yOuR pROpERty

OutRIghtAs I stated earlier the better strat-egy and the one that I am seeing more investors come around to is using leverage to purchase proper-ties but not necessarily carrying that leverage for long periods of time In fact many investors are choosing to structure deals so that they are paying off the properties as soon as possible Investors taking this route are usually financially secure and are not necessarily real

estate investors Often times they recognize the need to diversify into real estate but are often passive investors looking for the security and consistent return that real estate can give them They see real estate as a secure invest-

ldquoI am seeing more investors come around to using leverage to purchase properties and cash to hold them long-termrdquo

Continued on pg 60

Surprising Investors with Sound Advice pg 20


Investor Education a Top Priority for Equity Trust pg 31

Learn from THE National Expert on how to use Land Trusts

for privacy amp asset protection

Visit Randys website for FREE Land Trust information or call him now 866-696-7347 with your questions

Meet Randy Hughes in PersonAttend his next

Land Trust Seminar

For Information Visit Online

Randy Hughes Mr Land Trust

40 Years Experience

RealEstateforProfitcom

The Choice Is YoursDo You Want the Pain of

Paying More TaxesOr We Can Do

Advanced Tax Planning for You

Call now at 805-898-9177 bull wwwabwtaxcom

ABW Tax amp Consulting Inc

Glenn R Wilson EA ATP ATA ABA

In less than 3 years Victor amassed a portfolio spanning 3 time zones from his office in Ottawa Canada Learn how itʼs done at Buy his best selling book at amazoncom

Canadians are the 1 group of foreign investors in US Real Estate They have cash Are you qualified to work with Canadians

wwwgreatcanadiantakeovercom

assets from investors in all 50 states ldquoPeople have a lot of fear about the economy but this is truly a great time to invest espe-cially in real estaterdquo Desich said ldquoWithout a doubt the overall economy is difficult for everyone and with the stock market not doing so well it brings a sense of distrust or lack of confidence in clients But this is a benefit to us because we offer customers to take control of their retirement investments and invest in a market they know and trust rather than just stocksrdquo

While exact statistics vary according to the investor even be-ginners regularly see ldquodouble digitrdquo returns according to Desich

Since Equity Trust does not charge transaction fees for normal activities such as purchasing or selling an asset that helps its 130000 clients see more revenues While other brokerages typi-cally charge $175 for the purchase sale or re-registration of real estate interests Equity Trust offers this service free of charge to its clients

ldquoWe donrsquot nickel and dime yourdquo Desich said While IRAs are the bread and butter of the firm Equity Trust handles other types of retirement vehicles including 401(k) Every client regardless of portfolio size can take advantage of a wealth of informational resources ranging from personalized account managers to virtually instant access to one of 400 highly-trained self-directed IRA specialists Each Equity Trust account executive team member completes at least 160 hours of rigorous training Training of employees and cli-ents has been instrumental to the success of the company which Desichrsquos father Richard founded in 1974

ldquoI have always been extremely proud of my father and the company he startedrdquo Jeff Desich said ldquoAs more people get burned by the stock market (self-directed IRAs) becomes a way for them to take controlrdquo of their financial future

For a complimentary consultation with a self-directed IRA specialist call Equity Trust at 888-382-4727 or visit wwwtrustetccom

Marck de LautourWealth Builder

ph (816) 994-9401marcksbdhousingcom

wwwSBDHousingcom

Call us for upcoming seminar information or a personal tour of Kansas City Property

Building Wealth forOur Clients Since 2001



ment and rental properties as a product that will have contin-ued demand in the foreseeable future I have a good friend here in Tennessee who is a very successful executive and he has recently made moves to acquire property as he seeks to diversify When he and I had lunch he explained his very reasoning and his absolute distaste for taking on credit risks and leverage This is a common theme among more and more affluent investors looking to diversify They are using several different strategies to purchase the properties

1 They are purchasing properties for cash and holding for a consistent rate of return recognizing that they can place mini-mal financing against the property in the future to assist with leveraging a larger portfolio

2 They are purchasing property using a 15-year mortgage They then take the cash flow each month and use it to reduce the principle In some cases this can reduce the term of the loan to less than eight years

3 They are structuring the term of the loan to match the monthly note to the rental amount received

4 They are purchasing using a mixed bag of options including cash purchases refinancing existing properties at low leverage bundling a portfolio to acquire leverage for new properties

Regardless of the scenario that investors are following they are using leverage to increase their purchasing ability and using the cash flow produced from each investment property to reduce the principle The idea behind affluent investors purchasing plans are to own the assets outright in the shortest amount of time This enables them to keep as much of the return on the investment as possible

thE SINgLE BIggESt ExpENSE IN A LEVERAgED pROpERty

They recognize that there is only one fixed expense that the investor can be in direct control of and that is interest Man-agement taxes and insurance are all fixed costs which the investor has little to no control over Vacancy is a variable cost that even with the most prudent management is going to affect an investor at some point and there is nothing an investor can do to prevent Routine maintenance and major replacement costs are also variable costs that while an investor can prepare for and take steps to reduce there is still little an investor can do to limit and nothing an investor can do to eliminate these costs That leaves interest costs as the only major expense that an investor has control over as it relates to earnings potential on a property

Many investors that I am talking to today are choosing to do everything possible to reduce the over-all costs of interest

including choosing higher interest rates to secure shorter terms and buying cash flow properties not for the cash flow but to purchase more properties faster I want to make sure everyone caught that last sentence While in San Francisco this was a big point I was trying to get across to the audience and based on their reaction it made sense to them

hOW I Buy pROpERtIESAs an investor I believe in buying properties that make

sense based on what I have experienced as an investor I have bought junk properties I have bought ldquocheaprdquo proper-ties I have bought properties and done the minimal amount of work to get them ldquorent readyrdquo I have bought properties with creative financing such as ARM mortgages and even bought a couple with interest-only loans Every one of those strategies was aimed at producing Higher Monthly Cash Flow And every one of those strategies almost sunk me completely as an investor

Today I buy properties where the fundamental econom-

ics make sense I told the crowd in San Francisco that when buying properties that produce a monthly positive cash flow they should consider using that money to reduce principle I cautioned them that if they were attracted to real estate and cash flow because they needed to pay bills then in my opinion they really needed to be positive they were getting sound financial planning before buying I told them that in my opinion real estate purchased for buy and hold is a great way to build and maintain long-term wealth but a lousy way to earn short-term money I told them that real estate has the greatest pay-off when you own it outright and that as an investor getting to that point should be your highest priority Using leverage to build your long-term portfolio is a great tactic Using leverage to build your short-term monthly cash flow is not

Am I off my rocker Am I spot on Let me know what you thinkhellip

Chris D Clothier is a Partner at MemphisInvestcom andPremier Property Management Group He can be reached atchrismemphisinvestcom or 901-751-7191


In a sellerrsquos market itrsquos best to be a seller But what the masses are doing You got it mdash they are buying Be care-ful about following the masses

So how can you profit in this sellerrsquos market bull If you are a real estate agent itrsquos more profitable to list property than have a buyerrsquos listbull If you flip homes for profit you will not have to do as extensive a rehab properties will sell no matter the condition (the key is being able to acquire the property in the first place mdash thatrsquos tougher to do when therersquos massive competition and prices are going up every day)bull If yoursquore a builder itrsquos time to get back in business If yoursquore not a builder consider being a capital part-ner for a builder since banks are not giving out construction loans easily this is the strategy our investment group is using to stay ahead of the masses at Real Wealth Network

You may be wondering ldquoWhy do we need to build more homes only one year after we had a glut of inventoryrdquo

The US population is growing by 45 million people every year Thatrsquos 1 new person every 15 minutes We need about 15 million new homes every year to keep up with that kind of de-mand Over the past 6 years only 500000 new homes were built each year mdash or 6 million less than needed Sure we overbuilt in the early 2000rsquos but only by about 3 million

Add to that the 3 to 5 estimated people who shacked up with family during the recession but are ready to move out again It will take builders up to 5 years to get subdivisions approved and ready to build We are now facing a shortage of homes

ldquoBut arenrsquot there still foreclosures out thererdquo you ask Yes but many of those defaulted mortgages are now being sold to hedge funds mdash and those hedge funds are modifying the notes and keeping homeowners in their homes when they can

At Real Wealth Network we are also partnering with develop-ers who are buying land entitling it and flipping it to builders This is probably where the greatest returns can be found The key is to only with developers who really understand the entitle-ment process and have a long-standing track record of successful projects

For example one of our developers just brought us a land deal North of Tampa The previous owner went into bankruptcy after putting $90 million into the project It was in escrow for $160

million in 2006 but didnrsquot close because the market turned suddenly Our group now has it tied up for just $16 million so there is obvi-ously tremendous profit to be made

These kinds of deals are nearly impossible for individuals like you and me to pull off But together as a group of investors we can tackle it Itrsquos very exciting and keeps us ahead of the crowds

What about smaller deals mdash like investing in rental property

At Real Wealth Network we are bullish on cash flow and believe single family homes can make great rentals for long-term income We do not like to speculate

Unfortunately there are a lot of speculators out there who are making big bets and creating bubbles Yoursquove got to be careful right now

Low interest rates are allowing people to buy homes they normally couldnrsquot af-ford For example if a borrower can afford a $1000 monthly payment they could afford a $200000 home if their interest rate is 35

At 6 interest they could only afford a $150000 home Thatrsquos a 25 difference

Interest rates will go up mdash but probably not for awhile That means we could see home prices increase for a couple of years And then what We will see another bubble

Please donrsquot be one of those people making crazy offers be-cause you think prices will continue to rise They wonrsquot We have learned this lesson already havenrsquot we

Please only make offers when it makes sense for the average person in the area to afford the average home at a 6 interest rate The way you can do this is look up the average income of an area Then triple that income mdash and that should be the average price of a home

This truly is one of the greatest times to build wealth Make sure you have access to the information you need to succeed

You can join the Real Wealth Network for free and enjoy weekly economic updates blogs podcasts and access to prop-erty managers and wholesale teams around the country visit wwwRealWealthNetworkcom or call 888-RWNETWORK

Kathy Fettke is the founder and CEO of Real Wealth Network ldquoThe Real estate Investorrsquos Resourcerdquo Members have accessto free education resources group projects and referrals to turn-key rental properties around the United states Real Wealth Network has over 12000 members so the shear power of num-bers allows the group to acquire properties at huge discounts Membership is free Kathy is also host of The Real Wealth Show on iTunes and is a regular guest expert on KSFOrsquos Money Mat-terrsquos ABC CNBC CBS Market Watch Fox News and NPR

From Buyerrsquos to Sellerrsquos Market pg 13

ldquoWe need about 15 million new homes every year to keep uprdquoRealty411Guidecom PAGE 61 bull 2013 reWEALTHmagcom

Kathy Fettke

if itrsquos on the MLS itrsquos way to late to secure a deal but that is simply not true Granted more competition will exist at that point but landing a diamond in the rough is still possible for savvy all-cash buyers Folks I just found rehabbed and closed three diamonds in the past 18 months alone

Plus every time I look on the MLS I find a deal I know Irsquom not alone on this one in fact a broker affiliate of ours in Alabama just sent us a ldquoSmoking Dealrdquo in Birmingham It was an REO listed on their local MLS Having been a licensed real estate agent for the past 10 years it gives me a sense of pride to know that our industry is on the forefront of technology So next time yoursquore searching for that next ldquoSmoking Dealrdquo be sure to log on to your local MLS instead of driving for dollars Yoursquoll save gas money by simply click-ing for deals online mdash by Linda Pliagas pliagasmsncom

THE MLS 411 - Access itDid you know that most MLS (Multiple Listing Service) Boards across the country have a free guest search which can be tapped into by anyone All you have to do is a basic Google search to find the link to the MLS in the city you want For example type in ldquoKansas City MLSrdquo or ldquoLos Angeles MLSrdquo Itrsquos that easy Google will search the web and display either the MLS website itself or it may list a number of websites from REALTORSreg andor Brokers who can provide searches through their websites If you do use an agentrsquos website to gain MLS access you may also want to tell them yoursquore looking for a discounted property and would like to see more deals Most savvy agents have a pulse on the market and they may know about some ldquopocket listingsrdquo which may be worth knowing about

Clicking for Dollars pg 7 Flipping Boston with Dave amp Peter pg 22

ldquoOne of the biggest myths is that you need money to make money in real estaterdquo Seymour said ldquoBut you really donrsquotrdquo really donrsquotrdquo

He and Souhleris occasionally hear people cite a ldquodown economyrdquo as an excuse to not move from dreaming of investment into becoming an actual investor

ldquoWhether itrsquos the mundane or the insane wersquore always looking for new ways to approach the way we do businessrdquo Seymour said

ldquoSome people call that lsquoseeing around the cornerrsquo We prefer lsquoKnowing whatrsquos comingrsquo Itrsquos been that dedication to creativity thatrsquos led to our business being the focus of lsquoFlipping Bostonrsquordquo

When the show premiered in early 2012 it set a record as AampErsquos highest-rated Lifestyle series launch in history With two successful seasons in their portfolios Seymour and Souhleris are looking forward to doing even more episodes

ldquoIt really is not that editedrdquo Souhleris said ldquoWhat you see is pretty much how we really actrdquo

Seymour who professionally markets himself as a ldquobig picture thinkerrdquo has a tenacity adopted from his days as a paramedic and firefighter

ldquoA life-changing commitment to real estate investing is not a game nor is it for the faint of heart In this industry success manifests itself in those who think big believe big and have the courage to act on bothrdquo he said

But despite his deep commitment to the real estate market his main priority is his family

Ready to learn how to flip like the pros from ldquoFlipping Bostonrdquo Then visit wwwcitylighthomescom for your free copy of ldquoThe Flipping Formulardquo Alternatively you can call 800-927-1883 to find out about consulting with Dave Seymour Peter Souhleris or one of their trained professional associates


Wholesaling for Quick Cash3 No Money - No Credit Needed3 No License Required3 Quickest Way to Get Paid

Finding Motivated Buyers3 Learn to Build a HUGE List3 Cost Effective Marketing Tactics3 Flip Ugly Houses to Cash Buyers

Your Real Estate Business3 Building Your Power Team3 Daily Business Operations

Finding the Deals3 Know Your Target Zone3 Leverage for BIG Discounts3 Find Deals Others Canrsquot

(951) 280-1900

3Realty-Based Training at itrsquos BEST

Herersquos what to expect

Wholesale Training CampIn this money-making 3 day Real Estate Whole-sale Training Camp Real Estate Master Sensei Gilliland teaches you how to earn thousands of

dollars without investing a single penny of your own money Hersquoll show you step-by-step to set up your business so you can start flip-ping properties and earning the money you desire Once you know Senseirsquos top secrets and put them into action yoursquoll be flipping real estate deals without cash credit or risk

Keeping Your Funnel Full3 Guerilla Marketing Strategies3 Track Absentee Owners3 Getting Sellers to Call

Deal Analysis amp Negotiations3 Collecting Seller Intel3 Research Quickly amp Accurately

Pre-Foreclosure Strategies3 Profiting with Distressed Owners3 Get the Deal Before the Agent3 Understand State Flipping Laws

Flipping without the Risks3 Easy to Understand Contracts3 Assignments and Double Closings3 No Rehabbing Required

Learn the Art of Creating Cash and Much Much MoreAttend this

trAining to stArt

Your reAl estAte

CAsh MAChine

Call Us TODAY to Secure Your Seat

Sensei GillilandReal Estate Master

Tel 9512801900 Fax 9512801904 Web wwwBlackBeltInvestorscomwwwBlackBeltInvestorscom

BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth

07 Publisherrsquos note08 Insurance myths11 Meet Tim Herriage13 Itrsquos a sellerrsquos market14 What are tax liens 16 Photo tips for investors18 Invest in mobile home parks19 Snail mail success20 Sound advice on leverage22 Flipping Boston on AampE24 Notes with Scott Carson25 Tips on rental management27 Questioning convention with Marco Santarelli31 Profi le of Equity Trust35 Tony Martinez and notes36 Senseirsquos entrepreneurial life40 The 401(K) sinking hole42 Coast to Coast REIA44 A secure investment46 Nick Vertucci always wins48 Market selection advice50 QampA with IPXAZ52 The power of direction54 Benefi ts for investors56 Find your partners

contents Herersquos The Key To Your Real Estate Insurance Needs

ldquo rdquoThe Right Coverage At The Right Time

For a Coverage Proposal Visit or Callwwwnreinsurancecom

888-741-8454

bull Occupied vacant and renovation properties can be included on the same schedulebull Seamless monthly billing and reporting bull Realistic insurance-to-value parametersbull Theft coverage available on vacant locationsbull Coverages underwritten by AM Best ldquoArdquo or better rated insurers such as Lloydrsquos of London Scottsdale AllianzFiremanrsquos Fundbull Insure multiple ownercontrolling entities under one inventory schedule bull Basic or Special form coverage options bull Premises liability of $1 million per occurrencebull Liability coverage only is availablebull Available in all 50 statesbull Insure properties held in IRAs Trusts LLCs Corporations etcbull Embedded program(s) available for property managers private lenders and turnkey operators bull Coverage available for non-US citizens

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Meetings are on the First Tuesday of Every Month

LEARN MORE AT

wwwprosperitythroughrealestatecomRealty411Guidecom PAGE 5 bull 2013 reWEALTHmagcom






















1970s

1980s2000s

2010s1990s

EQUITYTrUsT


























1970s

1980s2000s

2010s1990s

EQUITYTrUsT












wwwNVcompaniescom




and appreciation







notes







entures LLC

sset







Continued on pg 36









wwwNVcompaniescom




and appreciation

by Robb Magley
























M I K E C O N L O N





UN

CO

NV

ENT

ION

AL W

EALT

H

MIK

E CO

NLO

NT

he

Ne

w M

ain

$tree

t Millio

na

ires











































































by Isaac Newkirk






C2CREIA






gt


















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth






















1970s

1980s2000s

2010s1990s

EQUITYTrUsT


























1970s

1980s2000s

2010s1990s

EQUITYTrUsT












wwwNVcompaniescom




and appreciation







notes







entures LLC

sset







Continued on pg 36









wwwNVcompaniescom




and appreciation

by Robb Magley
























M I K E C O N L O N





UN

CO

NV

ENT

ION

AL W

EALT

H

MIK

E CO

NLO

NT

he

Ne

w M

ain

$tree

t Millio

na

ires











































































by Isaac Newkirk






C2CREIA






gt


















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth






















1970s

1980s2000s

2010s1990s

EQUITYTrUsT












wwwNVcompaniescom




and appreciation







notes







entures LLC

sset







Continued on pg 36









wwwNVcompaniescom




and appreciation

by Robb Magley
























M I K E C O N L O N





UN

CO

NV

ENT

ION

AL W

EALT

H

MIK

E CO

NLO

NT

he

Ne

w M

ain

$tree

t Millio

na

ires











































































by Isaac Newkirk






C2CREIA






gt


















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth








wwwNVcompaniescom




and appreciation







notes







entures LLC

sset







Continued on pg 36









wwwNVcompaniescom




and appreciation

by Robb Magley
























M I K E C O N L O N





UN

CO

NV

ENT

ION

AL W

EALT

H

MIK

E CO

NLO

NT

he

Ne

w M

ain

$tree

t Millio

na

ires











































































by Isaac Newkirk






C2CREIA






gt


















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth







notes







entures LLC

sset







Continued on pg 36









wwwNVcompaniescom




and appreciation

by Robb Magley
























M I K E C O N L O N





UN

CO

NV

ENT

ION

AL W

EALT

H

MIK

E CO

NLO

NT

he

Ne

w M

ain

$tree

t Millio

na

ires











































































by Isaac Newkirk






C2CREIA






gt


















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth
























M I K E C O N L O N





UN

CO

NV

ENT

ION

AL W

EALT

H

MIK

E CO

NLO

NT

he

Ne

w M

ain

$tree

t Millio

na

ires











































































by Isaac Newkirk






C2CREIA






gt


















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth








































































by Isaac Newkirk






C2CREIA






gt


















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth
















infoc2creiacom














Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth












Continued on pg 47











Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth










Got 401KIRA












profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth








profi

le


















by Robb Magley












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth












Round Rock TX 78680Ph (512) 788-1710























Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth














Take Care



mar

kets



imag

e by

Jos

eph

Mer

cier


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth


































Daniel Butterfield










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth










tool

s


























972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth






972-652-0929






























































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth
















































Tim Norris












stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth











stra

tegy












































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth









































Continued on pg 60








Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth






Land Trust Seminar



40 Years Experience



















wwwSBDHousingcom













































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth










































Kathy Fettke




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth




















(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth





(951) 280-1900










trAining to stArt

Your reAl estAte

CAsh MAChine




BlackBeltInvestors

Wealth

Wealth

Realty411 Magazine featuring NORADA Real Estate Investments - PART 2 - FREE REAL ESTATE INVESTMENT...

Real Estate

Transcript of Realty411 Magazine featuring NORADA Real Estate Investments - PART 2 - FREE REAL ESTATE INVESTMENT...