the profit newsletter for atlanta reia - april 2013

7/29/2019 The Profit Newsletter for Atlanta REIA - April 2013

1/382013 Atlanta REIA, LLC. All Rights Reserved. Quotation and reprint are not allowed without written permission of the publisher. http://AtlantaREIA.com

Atlanta Real Estate Investors Alliance APR 2APR 2013

2013 Atlanta REIA, LLC. All Rights Reserved. Quotation and reprint are not allowed without written permission of the publisher. http://AtlantaREIA.com

Atlanta REIA, LLC2700 Braselton Hwy, Suite 10-183

Dacula, GA 30019P: 678-701-7160 F: 770-216-1560

[email protected]://atlantareia.com

IN THIS ISSUE

When I started out investingin Real Estate, I did it ALLTHE WRONG WAY! Like

so many other Real Estate Investors, Iwas taken to the slaughter house. I wentto my local banker and was able to do afew deals...but you know what happened:I had to come up with Big Down Pay-ments, pay origination fees, and mostimportantly...play by their rules. (Includ-

ing signing personal guarantees on every-thing I owned.) I hated it. I felt owned bythe bank, out of control, and stressed out.

So, I got some education and learnedabout buying properties Subject-To,Using Options, and buying with Lease/Options. These tools opened up my op-portunities, but then The Hammer CameDown!!! When the market turned southbig-time...my banker CUT ME OFF!!!With No Warning!!! I knew I had to ndanother way. I searched high and low for

another system that would give me thefunds I needed. Then I realized I neededto combine the best aspects of all that Iresearched. And thats when I created aunique, private lending system. I keptrening it until I thought I had the best

formula. Then I put it all together andmade contact with my rst prospect. Itrusted my system and the very rst per-son I approached gave me $250,000 inPrivate Money...and what blew me awaywas How Easy It Was!!!

Within a few, short months...I had$2,150,000 in Private Money!!! Andthat was just a couple of years ago...and

it has ROCKED MY REAL ESTATEINVESTING CAREER! (My banker ac-tually did me a HUGE FAVOR...I justdidnt know it at the time because thatset-back forced me to create the systemthat would bring me lots of money Fastand Easy without relying on bankers or

Brother Jay, Put MeDown for $250,000!By JAY CONNER

MAIN MEETING

Monday, April 1stCrowne Plaza Ravinia Hotel

4355 Ashord DunwoodyAtlanta, GA

5:00pm 9:00pm

(A Condential Conversation between a Private Lender and a Real Estate Investor)

continued on page 7

Jay will be sharing his secrets on How to Run a 7Figure Income Business on Automatic in Less

Than 10 Hours Per Week at the Atlanta REIA Main Meeting on April 1st. Jay will back in Atlanta

on April 27th or a ull day workshop on Raising Private Money with Ron LeGrand who will be

teaching you how to make a or tune on over leveraged properties.

See http://atlantareia.com or more inormation.

Brother Jay, Put Me Down or $250,000By JAY CONNER ..................................................................................1

Whats the Diference Between Yield and Return?By Bill Cook ........................................................................................2

About Atlanta REIA ................................................................................5

The Art o Master Lease OptionsBy Bill Ham ........................................................................................8

How Banks are Committing Fraud Part 2By Bob Massey ..................................................................................9

Protecting your Stuf: Cloudy Skies AheadBy Don DeRosa ................................................................................10

800 Pound Guerilla MarketingBy Dustin Grin .............................................................................12

Practical Ways To Put The Bible In Your BusinessBy Erven Kimble ..............................................................................13

The Why: How Much Do You Really Need?By Dyches Boddiord .......................................................................15

Is it an Art? Is it a Science? No its Fairly Simple! How to Find Investors!By Jim Hitt .......................................................................................16

Understanding Lender Options Upon Real Estate Loan Deault, Part 2 o 2By Jon David W. Hufman ...............................................................17

Following Up with Motivated Sellers Can Make You MillionsBy Kathy Kennebrook ......................................................................20

Fighting Over Credit Card Lien Releases on Short SalesBy Kimberlee Frank .........................................................................23

Why Would Anyone Give Seller Financing Terms?By Larry Harbolt ..............................................................................25

Is Flipping Illegal?By John Maurer ...............................................................................28

Auctions Without BiddingBy Michael Vazquez ........................................................................29

Three Good Ways To Find Pretty House Deals, Part 2 o 3By Ron LeGrand ...............................................................................30

Attitude + Action = WealthBy Russ Hiner ...................................................................................31

A Fast, Easy, and FREE Way to Fill Your Pipeline Full o Deals Part 1By Tony Pearl ...................................................................................33

Atlanta REIA Welcomes Allen Krebs with Roo RescueBy Jef Nix ........................................................................................34

The 5 Things You Must Know About Evaluating Deals

By Mark Jackson..............................................................................35

Membership Application ....................................................................36Meeting Calendar ................................................................................37

Calendar o Events ...............................................................................38
mailto:[email protected]://atlantareia.com/http://www.meetup.com/AtlantaREIA/http://www.youtube.com/AtlantaREIAhttp://www.twitter.com/AtlantaREIAhttp://facebook.com/AtlantaREIAhttp://atlantareia.com/mailto:[email protected]



Atlanta Real Estate Investors Alliance APR 2

Recently, an investor asked us toexplain the difference betweenyield and return. When Kim

and I rst became real estate investors,we asked this exact same question.

Yield and return aredifferent ends of thesamestick.

A yield looksforward its looking intothefuture. It hasnt happened yet. Itswhat youproject yourinvestment dollarsto earn each year for the life of the in-vestment.

A return looks backward its lookingat what your investment actuallydid.Theres no guesswork about what youmade because everything has alreadyhappened.

To better understand yield, lets lookat an example: You buy a 12-year-old,two-bedroom, two-bath mobile homein a park. Your all-in purchase cost is$2,750. You sell this home for $8,500with the following sale terms: $500down, with monthly payments of $275,at 18.63% interest, for 39 months.

Now lets gure the yield using yourtrusty nancial calculator: N = 39; I/YR = ?; PV = -2,250; PMT = 275;FV = 0. Solving for I/YR gives you a

yearly yield of 144.95%.

What does gives you a yearly yield of144.95% mean? Great question! Itmeans that you expect your $2,250 in-vestment to $3,300 each year ($275 x12), for 3.25 years (39 months). Inother words, the rst year, you shouldrecoup your initial $2,250 investment

($2,750 purchase price - $500 down),plus make a $1,050 prot. The secondyear, you should make a $3,300 prof-it. The third year, you should make a$3,330 prot. Finally, youshouldmake$825 in the last year of your investment($275 x 3 months).

I want to repeat an important thing thatwas difcult for me to grasp when I wasrst learning about yields and returns:When guring a yield or return, remem-

ber that its aper-yearpercentage, not anover-the-life-of-the-investment percentage.Early on using the example above I mistakenly divided 144.95% by 3.25years to get the yield or return. THISWAS W-R-O-N-G! The correct num-ber is 144.95% PER YEAR!

With an investment, are your yieldand return ever the same? Yes,IF theperson made all his payments on time,didnt incur any late fees and paid offthe property when he was supposed to.

So are an investments yield and returnever different? Absolutely, because manyfolks dont pay on time or they movefrom the property before its paid off.

Folks, I know todays topic seems dulldry and boring. But heres the thingWere discussing the language ofwealth-building and nancial freedom

This is about YOU having the nanciafreedom to do what YOU want, whenYOU want, where YOU want. Itsnot easy stuff, but it is important stuffPlease take time to learn it. More importantly, teach it to your kids!

Comment on this article online athttp://atlantareia.com/?p=19656

Bill Cook7274204810

[email protected]

www.REIOutpost.com

Bill Cook is a ull-time real estate investor, speakerand author. He specializes in single-amilyhomes and mobile home parks. Bill believes

that real estate investing, especiallythe act o buying and holding rentalproperty, is the surest way to nancialindependence and wealth. Bill and hiswie Kim run North Georgia REIA where

they teach others how to successully invest inreal estate.

Whats the DifferenceBetween Yield and Return?By Bill Cook

REAL WORLD REAL ESTATE INVESTING

SeeBillatNorthGeorgiaREIAonApril11th

Atlanta REIA Main Meeting1st Monday of Each Month at 5:00 PM at the Crowne Plaza Ravinia in Atlanta

See http://AtlantaREIA.com for details
http://atlantareia.com/http://atlantareia.com/http://atlantareia.com/http://atlantareia.com/http://101ways.atlantareia.com/


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GoldMembers

$49.95

SilverMembers

$69.95

Guests$99.95

100 Plus Ways to Generate MotivatedBuyer & Seller Leads Workshop

Join us on Saturday, April 20th at 9:00 AM at the Atlanta REIA North Ofcelocated at 1960 Skylar Hill Dr, Suite D, in Buord, GA to learn 101 Plus Ways toGenerate Motivated Buyer & Seller Leads or your real estate investing businessor virtually any business.

Dustin Grin is going to teach you many o the 800 Pound Guerilla Marketingstrategies, tips, tools, techniques and tricks he and other successul real estateinvestors use to generate all the leads they can handle and how you can too!

He is going to teach you how you can totally dominate your local competition witha little efort and a relatively low budget using new and traditional marketing, a little creativity and the power othe Internet. Sign up now beore the Early Registration Special expires and save.

Be sure to bring a pen and paper to take lots o notes as well as at least 5 to 10 examples o what you are currentlydoing to market your business to share with the class. The more examples we have to share, the better!

Upcoming Workshop DatesApril 13, 2013 Tampa, FL

April 20, 2013 Atlanta, GA

T register, please visit:

http://101ways.atlantareia.cm

Atlanta REIA Memberscan bring a spouse,

adult child or parentfor 1/2 price.
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T register, please visit: http://rnanjay.atlantareia.cm

GoldMembers

$19.95*

SilverMembers

$29.95*

Non-Members$39.95*

2-for-1 SpecialAtlanta REIA Members can

bring a spouse, adult child orparent at no extra charge!

* PLEASE NOTE:Non-Members who join Atlanta REIA now through April 5th can attend this ull day semina

or FREE and bring a can bring a spouse, adult child or parent at no additional charge. When joining, be sure

indicate that you want to attend this event.

Atlanta REIA Presents

A Full Day Money Making Seminarwith Ron LeGrand & Jay Conner

Atlanta REIA is very excited to announce that Ron LeGrand andJay Conner will each be presenting a day seminin Atlanta on April 27th, 2013 at 8AM (Registration starts at 7:30am) at the Crowne Plaza AtlantaAirport located

1325 Virginia Ave in Atlanta, GA or a ull days worth o money making strategies or real estate investors.

Ron LeGrand will teach you

How To Make Piles O Money On Over

Leveraged PropertiesRon LeGrand is a nationally renowned real estate expert and lecturerwho has taught thousands o people how to make big incomes

without using personal capital or credit. Rons philosophy is The less Ido, the more I make. Its not about working harder; its about working

smarter - doing things that allow you to get wealthy quickly and not

doing the things that consume your days swapping hours or dollars.

Ron started out as a simple auto mechanic with a redneck background

who barely got out o high school. He borrowed money 30 years ago

to attend his rst real estate seminar. Since then he has personallybought more than 2,000 homes, and continues to do so. Today he owns

or controls several hundred million dollars in real estate developmentsand owns several businesses.

Ron is afectionately known as the Godather o real estate investingand is recognized as the nations leading authority on buying andselling single amily homes or ast cash with no credit and little or

no personal investment or risk. On April 27th, he is going to teach youhow to make huge chunks o cash quickly buy buying and selling over-

leveraged, upside down, pretty houses in nice neighborhoods.

Jay Conner will teach you

How to Raise All The Private

Money You NeedJay Conner is a very successul real estate investor and private moneyexpert. Without using his own money or credit, Jay maximize

creative methods to buy and sell properties with prots averagingover $50,000 per deal, with little to no risk.

When Jay was introduced to the world o Private Lending he said

Private lending rocked my world and my real estate investing career!His rst Private Lender gave him $250,000 in Private Money. Then

within less than 90 Days, Jay raised a total o $2,150,000.00 in Private

Money that has helped him helped him make over seven gures romhis real estate investments each year since.

Jay has been a ull-time Real-Estate Entrepreneur or 10 years in asmall town in North Carolina with a population o only 40,000 while

producing a seven gure net income per year. For the past 4 yearshe has been mentoring Real Estate Investing Students across the U.Sand Canada on raising Private Money. Since he started raising Private

Money, he has developed new, easy and simple techniques or raisingall the money youll ever want or your real estate deals.

Come join both Ron and Jay on April 27th and learn how you can take

your real estate investing career to the next level and beyond!
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www.Facebook.com/AtlantaREIAKeep up to date with our latest opportunities by joining us on Faceboo

LEGAL DISCLAIMER: Atlanta REIA, LLC promotes practical knowledge of real estateinvestment though education, discussion and networking. The information, views andopinions expressed in the publication do not necessarily reect the views, policies andopinions of Atlanta REIA, LLC or any of its members and sponsors, nor does mentionof certain trade names, products, services, individuals or organizations imply endorsementby Atlanta REIA, LLC or its members or sponsors. The information presented in thispublication is made available for informational purposes only and is not to be construed

as nancial or legal advice which should only be obtained through a competent attorney,accountant or other qualied professional advisor. Atlanta REIA, LLC does not pre-qualify,evaluate, endorse, guarantee or warranty any particular deal, service, company, or person.Atlanta REIA, LLC recommends you perform your own due diligence and seek appropriatelegal, accounting, or other professional advice before making any investment. AtlantaREIA, LLC disclaims any and all liability for any actions or inactions taken by readers ofthis informational material or as a result of communications from or to its ofcers, directors,employees, contractors, partners, members, sponsors and afliates.

2700 Braselton Hwy, Suite 101Dacula GA 30019

P: 6787017160 F: 7702161E: [email protected]: http://AtlantaREIA.com

Atlanta REIAs mission is to help insure our members real estate success by providing afordable, quality real

estate investing education; requent, un real estate networking opportunities; and ongoing community outreac

programs to help build, renovate and repair homes or needy Atlanta amilies while improving our local communit

Dustin GrinExecutive DirectorP: 678-701-7160F: 770-216-1560E: [email protected]

Christine GrinAssistant DirectorP: 678-701-7160F: 770-216-1560E: [email protected]

Je NixDirector o Business MembershipP: 678-776-8861E: [email protected]

Gordon CattsDirector o Programs, Leader o Movers & Sh akers,Atlanta REIA South & Mountain REIAP: 404-454-3567E: [email protected]

Alan McDonaldDirector o AVS & Leader o the BeginningInvestors GroupP: 770-369-0446E: [email protected]

Joe ThompsonLeader o Haves & Wants Meeting and SpeedMarketing SessionP: 770-403-3227E: [email protected]

Karen BershadDirector o Membership & Leader o theSmall Business GroupP: 770-356-1234E: [email protected]

Leslie MathisLeader o Atlanta REIA WestP: 678-895-1460E: [email protected]

Reginald JacksonLeader o Atlanta REIA SouthP: 404-427-8797E: [email protected]

Russ HinerLeader o Creative Deal Structuring Group andMastermind GroupP: 404-660-4289E: [email protected]

Aaron McGinnisLeader o the Onsite Renovation GroupP: 404-788-3625E: [email protected]

Steve BrownLeader o Cash Cows Commercial GroupP: 770-378-6235E: [email protected]

Don DeRosaLeader o Mobile Real Estate Rockstars GrouP: 678-410-7352E: [email protected]

Rock ShukoorLeader o I Love Marketing GroupP: 678-938-4776E: [email protected]

Bob MasseyLeader o Short Sale & Foreclosure GroupP: 706-816-9820E: bob@oundationpublishingllc

Mark GaleyPresident o Fuller Center o AtlantaP: 404-867-3258E: [email protected]

Aislee JacksonDirector o Savannah REIAP: 912-695-0665E: [email protected]

Maggie GroholskiLeader o Forensic Real Estate GroupP: 770-527-9559E: [email protected]

mailto:[email protected]:[email protected]


6/38

Main Monthly Meeting

MEETING AGENDA*3:00 pm Meeting Beore the

Meeting with Bob Masseyon Investing in Pre-

Foreclosures

5:00 pm Vendor Vendor Trade Show

& Networking Begins

6:00 pm Have & Wants SpeedMarketing Session &

Announcements

7:00 pm Networking Break

7:25 pm Giveaways & Door Prizes

7:30 pm How to Automate Your REI

Business with Jay Conner

9:30 pm Late Nite Networking at theTilted Kilt Perimeter

*Please Note: Meeting agenda is subject to change.

Learn to Work Smarter, Not Harderby Automating Your Real EstateInvestment Businesswith Jay Conner


April 1st, 2013

lid Until:

1/2015

MemberNo.

1234

YourName

GoldBusinessMem

ber

Crowne Plaza Ravinia Hotel

4355 Ashord DunwoodyAtlanta, GA

Atlanta REIA Members can attend for FREE!Non-Members & Guests Can RSVP Online at

http://RSVP.AtlantaREIA.com for $15 or Pay $20 at the Door.

Bringyourbcards&fye

JayConnerAtlanta REIA is excited to announce that real estate expert and mentor, Jay Conner,will be our keynote speaker at our Atlanta REIA Main Meeting on Monday, April1st. Jay has been a ull-time Real-Estate Entrepreneur or 10 years, in a town with a

population o only 40,000, and is still able to produce a seven gure income each year.

At the meeting, Jay will share his secrets on How to Run a 7-Figure AutomatedBusiness in Less Than 10 Hours per Week!Yes, we are meeting on April Fools Day,

but this is no joke! Jay will show you how he has built and automated his business orsuccess and how you can too!

Jay Conner is a proven real estate investment leader and private money expert.Without using his own money or credit, Jay maximizes creative methods to buy and

sell properties with prots averaging over $50,000 per deal - with little to no risk.

Jay will be sharing some o his Automated Business secrets such as:

The support team he has in place and the duties they perorm which allow himto run his business on automatic without being there.

How he uses virtual assistants, the tasks they perorm and how they are paid.

How he generates over 200 buyer leads per month in his small town.

The marketing strategies he uses to get the phone to ring of the hook.

How he ollows up and keeps track o all his buyers and sellers at any time.

How he rehabs houses on automatic

All this and so much more!

This is a great opportunity or you to learn rom a serious, high volume real estate

investor who has managed to create and maintain an annual 7-gure income workingonly a ew hours a week. We hope to see you there!




my credit.) The Massive Prots (7 Fig-ures Per Year) Ive been blessed to enjoyby creating and putting into action myWhere To Get The Money Now Sys-tem has without a doubt been my BiggestQuantum Leap since becoming a Real

Estate Investor. And I live in a city withonly 40,000 people.

How would you like to listen in on acondential conversation between meand my very rst private lender? Thefollowing is my conversation with an el-derly gentleman whom Ive known foryears at church.

After the closing prayer at bible studyand as the church folks were visitingand mingling in the church building, I

walked up to Brother Paul Jenkins andsaid, Brother Paul, Id like to talk withyou about something condentially.He said, Well Brother Jay, lets go overhere to the nursery where we can talkprivately. We walked over to the nurs-ery and closed the door.

He said, Brother Jay, what have you goton your mind. I said, Brother Paul, thereason I wanted to speak with you con-dentially is because what Im about to tell

you is not for public knowledge. I havenow decided to allow folks I know andtrust to invest in my Real Estate business.Now, Im not taking on partners and Icant accept everybody because theres cer-tain criteria they have to meet. What I amdoing is allowing folks to loan their moneyto my business while having it safely se-cured by Real Estate. Now Brother Paul, Iknow you know a lot of people and yourein the Rotary Club and see about 200 folksevery Tuesday at lunchwhen you runacross somebody that would like to earn

high rates of return safely and securely,

would you refer them to me?

As his eyebrows began to raise BrotherPaul asked, Well Brother Jay, nowwhat did you have in mind when yousaid a high rate of return? I pausedand then asked, Well Brother Paul, areYOU interested? He responded, Ill

tell you, me and Miss Pauline have quitea bit of money in CDs that are gettingready to mature. I then asked, Well,how much are those CDs earning youright now? He shook his head and said,Only 2 %. I said, Brother Paul, thatsa crying shame. Let me ask you a ques-tion: What kind of a rate sounds high toyou? He thought for a few seconds andsaid, Well Brother Jay, I guess some-thing like 7 %. I thought for a few sec-onds and responded, Brother Paul, ifI agreed to pay you that kind of a rate,

theres something Id have to ask youand trust you to do. He then asked me,What is that Brother Jay? I said, Iwould have to trust you not to tell any-body that Im paying you that kind ofa rate. Cause if the word got out thatI was paying that much, I wouldnt beable to handle it. He said, Brother Jay,Mums the word. You can count on menot to let the cat out of the bag. Thiswould be strictly between us.

I put my head down and paused for a fewseconds and then said, Brother Paul, Ithink I could work with you at the 7%rate. He held up his index nger, lookedme in the eye and said, Brother Jay, PutMe Down for $250,000. I said, BrotherPaul, Ill put you down.

Within a few days I stopped by BrotherPauls home for a cup of coffee and a lit-tle visit with him and Miss Pauline. Theywanted to know how I was coming alongwith nding a house so they could start

earning that 7% return. I was glad to re-

port that I had found a property that our criteria and we would probably be closing next week. As we were sitting at theikitchen table and drinking coffee (MisPauline makes the best coffee there evewas!) Brother Paul leaned forward andsaid, Now Brother Jay, weve got anothe$125,000 CD coming due next month

Is there anyway you could earmark tha$125,000 to invest in another house so wecould start earning 7% on that money? said, Brother Paul, no problem. There areplenty of properties for me to choose fromIll put you down for another $125,000In fact, Ill start looking right now so wwont waste any time getting you a highrate of return on that $125,000.

I thanked Miss Pauline for the wonderful coffee. Brother Paul then invited meout to his workshop to show me his lates

antique collection. We had a wonderfuvisit and I was on my way to look for thenext property.

You see, Getting Private Money is as easyas asking simple questions and followingan easy and proven system. Theres gobof money all around you. All youve goto do is tell your story and ASK. And whoknows? You might get a great cup of coffee, a relaxing visit with friends, and anantique tour as a bonus!

(Note: Brother Paul Jenkins and his wifeMiss Pauline are not their real names ato protect their privacy, but the story andconversation is real.)

Im so excited to be coming to speak atheAtlanta REIA onApril 1st andApri27th. On Monday, April 1st, Ill be revealing how I run my 7-Figure Income Business on Automatic in Less Than 10 HourPer Week. Then, on Saturday, Apri27th, Ill be teaching step-by-step How

Raised $2,150,000 in Private Money inLess Than 90 Days. Make plans to attendboth sessions! I promise, youll leave withmore than one million dollar idea!!! Lookforward to seeing you in April!!!

Jay Conner

The Private Money Authority


continued from page 1

We meet at the Total Wine & More located at 124 Perimeter Center W

in Atlanta at 3:00pm beore our Atlanta REIA Main Meeting.

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REAL ESTATE RAW

Master lease options are a greatway to get started in the realestate business but are often

misunderstood. A master lease optionis two separate contracts, the masterlease and the option to purchase. To-gether they make up the master leaseoption (MLO).

A master lease gives you the right to rentan entire property. This could be anythingfrom a single family residence to a largeapartment complex or strip mall. Onceyou have a master lease in place you con-trol the property. This includes the man-agement and the operations. You can es-sentially become the landlord yourself orhire management at your discretion.

The option to purchase sets the purchase

price for a certain amount of time and for acertain price. You will negotiate this priceand time frame during your offer and ne-gotiation process. Usually an option feeis placed at the time of the signing. Theoption money is used as a non-refundabledeposit to the seller in order for you to con-trol the sale of the property. If you do notclose the sale in the time frame set in thepurchase option, then you will lose the op-tion money. If you do close the sale thenthe option money is applied to the pur-chase price.

The benets of doing a deal like this is youcan take control of a property with little orno experience. You dont have to qualifywith a traditional lender for a loan andget an appraisal. You can control the salewith the option money, which is what everamount you can negotiate.

I just recently took over a 108 unit apart-ment complex with a MLO. The price is$5,000,000 and I now control the man-

agement, sale and the cash ow with a$25K deposit. Im now running a 5 mil-lion dollar asset for $25K. I split the protswith the owner and the best part is I havealready recovered my $25K from the cashow. As long as the property remains prof-itable, I have a risk free stream of incomefor the next several years.

Master lease options are a great way to dobusiness but there are some catches. Youneed to have a very experienced attorneycreate or review any documents pertainingto the transaction to make sure you complywith state laws. You are putting the op-tion money at risk if you cant purchasethe property in the agreed time frame.

The benets (as I mentioned) are thatyou dont need prior experience or a loan.

This is a good way for an investor to takecontrol of a distressed asset and then im-prove the operations. Once the propertyis stabilized you can then execute yourexit strategy such as purchase it or sellit to someone else. Did I mention thatyou only have to pay what the pre-ne-gotiated option price is? If you can sellit for more than that in the future youget to keep the difference. Think of thepossibilities as our real estate markets in-crease in value in the next few years!


The Art of MasterLease OptionsBy Bill Ham

Bill Ham4787180993

[email protected]

www.LinkedIn.com/in/BillHam1

Bill Ham has been in real estate or8 years and has created a portolioo nearly 400 units in Macon, GAusing creative and seller nancing.
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www.YouTube.com/AtlantaREIAKeep up to date with our latest videos by subscribing to our YouTube Channe

In last months article I explained howthe housing boom of the early 2000screated an equally big boom in mort-

gage fraud. While the housing collapsechanged the nature of the crime, the ensu-ing ood of foreclosures just gave the banksanother reason to commit fraud.

Fortunately for homeowners, there hasbeen a wave of investigative agencies thatare exposing exactly what the banks havebeen up to. While my last article coveredthe types of fraud that the banks have com-

mitted, this article will focus on the meth-ods that investigators use to nd the fraudin real estate deals.

Due to the fact that the fraud examinationsare normally conducted with the purposeof being used in litigation, they tend tofall under the mantle of forensic account-ing. In other words, they are conductedwith the assumption that the case they areinvestigating may end up in litigation ora criminal trial. This means that fraud in-

vestigators must possess the skills to followthrough with a mortgage fraud investiga-tion from beginning to end. This includesbut is not limited to researching, collectingevidence, taking statements from peopleinvolved, and testifying to their ndings incourt or a deposition.

Effective fraud examination requires a deepunderstanding of specialized knowledgefrom four elds: accounting/auditing, in-vestigation, law, and criminology. Someof the offenses found in fraud cases include

RICO act violations, notary misconduct,uniform commercial code (UCC) violations,and truth in lending act (TILA) violations.

The rs method we will discuss is the fo-

rensic audit. This is an audit of all loandocumentation meant to uncover viola-tions and errors. Forensic audits focus es-pecially on Violations of the Real EstateProcedures Acts (RESPA), Truth in Lend-ing Act (TILA), and Fair Debt CollectionPractices Act (FDCPA). The main vio-lations found in forensic audits are con-sumer protection laws violations, state-specic law violations, reverse mortgageviolations, and RESPA violations.

If one of the following types of violations

is discovered in the forensic audit, there isa chance that a loan modication can per-formed as a result of, or in some cases re-payment of, interest back to the borrower/homeowner:

Construcve fraud, or fraud involvingmaterial facts relating to the loan such asthe terms of the loan, prepayment penaltyor any other information which a borrowermust know before loan is accepted.

Fraud or negligent misrepresentaon- written or oral made by the broker,

loan ofcer, or notary which may havecontradicted the terms of the loan docu-ments in any way.

Breach of contract

Another method of investigating a loanis a mortgage securitization audit. This isa detailed report on the chain of title ofthe mortgage note. This will disclose anyviolations of state trust laws and/or Internal

Revenue Code. Most importantly, a securi-tization audit could provide evidence thatthe party that purports to own a notemay not be the actual owner or holderof the note. This raises serious questions

about who has the ability to foreclose on adelinquent note.

If it turns out the loan was securitized, ouaudits usually show that there is a chainof ownership that has not been properlyexecuted, and that any party trying toforeclose needs to present clear ownershipand explain why they have a clear rightto foreclose.

These fraud investigations and audits cangive you the leverage you need to get the

bank to negotiate on your terms. This hacreated a huge opportunity for real estateinvestors. Not only can we use this information to help underwater homeownerget out from under their homes but we canthen pick up houses at incredibly low prices

If you would like more information onhow you can get involved in helping underwater homeowners while doing someawesome deals, give my ofce a call a706-485-0162.


How Banks are Committing FraudBy Bob Massey

Bob Massey7064850162

[email protected]

www.REWealthCoach.com

www.Facebook.com/BobMasseyOicial

Bob Massey is a recoveringcorporate executive who is now

living the dream running his ownreal successul estate investingbusiness and teaching others how

to do the same. In the process he has becomethe nations leading educator on the oreclosureinvesting the oreclosure process.

Part2

JoinBobonApril1stat3PMfortheMeetingBeforetheMeeting.
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10/38




Tonight youre closing on a lu-crative short sale. Afterwards,youve got a special dinner

planned. And its good to know yourseller will sleep better than she has inmonths. Yes, its going to be a greatnight. All you need to do now is print

out the paperwork.

So you turn on your laptop and nothing.Nothing.Just the dreaded bluescreen of death!

Viruses happen. Spilled coffee hap-pens. Accidentally dropping youriPhone in the swimming pool becauseyou insisted you could carry four mar-garitas while you dance the hula withyour cute cousin Betsy, well, that hap-

pens too.

If youre like me, your whole life is inyour iPad. Heaven forbid all that infor-mation should suddenly disappear! Youcan install anti-virus programs, youcan be careful what you download, butheres the bottom line: Its not a matterof ifyour system will crash. Its just amatter ofwhen. Its true for notepadsand smartphones as well as laptopsand PCs. So no matter what else youdo, youll need to make sure all that

wonderful information lives somewheresafer than your laptop.

And that means you need to back upyour stuff. You need a copy of all thestuff you care about in your computer.That way, if your smartphone goes ka-put, or if it gets stolen, or if you leave itout in the rain, youll still have a copyof all your documents and photos.

Backups have come a long way just in

the past few years. Remember whenyou had to copy your hard drive ontoabout a hundred oppy disks? And youhad to make sure you kept the disks ina safe place, away from your computer.Not anymore. Now, theres somethingcalled the cloud.

So what the heck is the cloud? Thinkof it as a great big data storage roomin the sky.

Youve probably used cloud comput-ing without even knowing it. Everytime you look at your yahoo email ac-count, for instance, youre computingin the cloud. The emails dont live onyour hard drive, right? They live some-where out there. In other words, in

the cloud.

Easy access to the cloud is a game-changer for investors. The cloud is whatmakes mobile computing possible. Itlets you keep your stuff in a centrallocation so you can get to it from anycomputer device with Internet access.You can create a purchase offer at homeon your PC and park it on the web.Then you can edit it on your notepadwhile you wait for your latte. You caneven bring it up on your smartphone

for a last-minute change.

Here is small sampling of some cloud-computing resources you might nduseful:

iCloud. This is Apples applicationfor backing up your les; you canuse this for free if you use an iPador iPhone. Its easy to set up, andyou get 5 gigabytes of storage space.(www.icloud.com)

Evernote and Dropbox: Both othese applications allow you to storeand share les. Each has somewhatdifferent capabilities but both allowyou to store copies of documentsand more. (www.evernote.com andwww.dropbox.com)

Shuttery and PhotobucketYoull want to protect more thanyour documents. Youll want toback up your photographs as wellwhether theyre family portraits orpictures of your next house pur-chase. (www.shuttery.com andwww.photobucket.com)

Your data represents a lot of hard workso take care of it. If you do, the worldwill be your ofce.

Still, keep your phone away from theswimming pool. You know, just in case.


Don [email protected]

www.MobileRealEstateRockstar.com/Atlanta-REIA

www.Facebook.com/Don.DeRosa

www.Twitter.com/DonDeRosa

Don DeRosa was recognized asone o the nations top 21 realestate investors in the New York

Times bestseller The MillionaireReal Estate Investor. Don, who

is a ull-time investor, trainer, and mentor, isthe rst to ofer his complete investing systemon a mobile platorm. Don teaches investorshow to Make More and Work Less by beingmore ecient, productive and competitive,leveraging mobile technology and apps on theiPad, iPhone, Android and other mobile devices.

ThERES AN App fOR ThAT

Protecting Your Stuff:Cloudy Skies AheadBy Don DeRosa

Treat your password like your toothbrush.Dont let anybody else use it, and get a new one every six months. ~ Clifford Stoll

ChecktheCalendarathttp://atlantareia.com/calendar/forseveralupcomingbootcampswithDonDeRosa.
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11/38

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What is the rst thing youneed to do for your rst ornext successful real estate

deal? You need leads of course. Howmany leads do you need to do one singledeal? If you are a new investor or evena seasoned one, you may need to gothrough as many as 10 leads to get onesolid, protable deal.

So how many leads are you generating

each month? Are you generating 5, 10,15, 20, 30, 40 or 50 leads per month? Ifyou are not generating at least 50 leadsper month, you are not alone. Most in-vestors dont generate anywhere near 50leads per month. In fact, it has been saidthat only the top 5% of all real estate in-vestors generate and capture 80% of allthe leads oating around out there. Sowhat do these top investors know that theaverage investor doesnt know?

The answer is simple the top 5% of allinvestors know how to generate all theleads they can handle and more. Perhapsyou know some of the top lead generatingreal estate investors in your area. Chances

are you see their marketing efforts everytime you turn around.

One such investing company that youshould all be familiar with is HomeVes-tors, the nice folks with the We BuyUgly Houses signs all over town. Hom-eVestors used to be a huge 800 PoundGorilla before the housing market crash,but as of mid-2012, they are back in forceand are quickly regaining their marketingdominance once more.

An 800 Pound Gorilla is One that isdominating or uncontrollable because of itsgreat size and power or An overbearing en-tity in a specic industry or sphere of activity.An 800 Pound Gorilla is A seemingly un-beatable presence always to be reckoned with,whose experience, inuence, and skill threatensto defeat competitors with little effort. As thenumber one home buying franchise in thecountry, you can see how HomeVestorsdenitely ts the description of an 800

Pound Gorilla Marketer.

Most Gorilla Marketers have big budgetsand tend to use lots of traditional andinternet marketing to totally dominatetheir market and destroy their compe-tition. So how can the smaller investordominate their local market like an 800Pound Gorilla and do so with a limitedmarketing budget? They can use a strat-egy called Guerilla Marketing.

Jay Conrad Levinson, the man whocoined the term, describes Guerilla Mar-keting as achieving conventional goals, suchas prots and joy, with unconventional meth-ods, such as investing energy instead of mon-ey. I dene Guerilla Marketing as Anunconventional way of marketing intended toget maximum results with minimal resourcesand a very low budget.

So what do you get if you combine 800Pound Gorilla Marketing with GuerillaMarketing? You get what I like to call

800 Pound Guerilla Marketing which Idene as the ability to totally dominate yourlocal competition with little effort and a rela-tively low budget using new and traditionalmarketing, a little creativity and the power ofthe Internet.

Since getting started in the real estateinvesting business over a 13 years ago, Ihave become pretty good at marketing mybusiness and have enjoyed sharing manyof the marketing methods that work for

me and others with my fellow real estateinvestors. In an ongoing effort to continueto do so, I am creating a new monthlycolumn in The Prot called 800 PoundGuerilla Marketing to share many of thestrategies, tips, tools and techniques thatwill truly allow you to dominate your locamarketplace with a little effort and a smalmarketing budget.

Additionally, I will be speaking at theAt

lanta REIA Meeting on Monday, Apri1stbriey and will be sharing many of the800 Pound Guerilla Marketing Strate-gies and Techniques I use to promotemy real estate investing businesses. I wilalso be teaching a full day workshop inTampa on Saturday, April 13th and Atlanta on Saturday, April 20th called 101Plus Ways to Generate Buyer & SellerLeads which is the rst in a series of 800Pound Guerilla Marketing Workshopsthat I will be teaching online and in person

in 2013 and beyond for all those who wishto learn more about free or affordable, cre-ative marketing strategies and techniquesfor motivated real estate investors.

Until next time, get out there and getmarketing for leads!


800 PoundGuerilla MarketingBy Dustin Griffin

800 pOuND GuERILLA MARkETING

Dustin [email protected]

www.AtlantaREIA.com

www.Facebook.com/AtlantaREIA

www.Twitter.com/AtlantaREIA

Dustin Grin is the ExecutiveDirector o Atlanta REIA and TampaREIA and is also an entrepreneur, realestate investor, website developer,

internet marketing enthusiast and a husbandand proud ather o two.

JoinDustinonApril20th

foraFullDayMarketing

Workshop
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BuSINESS By ThE BOOk

Many fail to realize

Gods deep desires

to be involved in

their personal lives.

continued on page 22

Many smart business men andwomen pride themselves inknowing the trends, critical

success factors, competitive strategies andother business indicators that could af-fect the success of their business. It wouldbe totally unwise for an entrepreneur todevelop a comprehensive business plan

without the consultation of an attorney,accountant and other business profes-sionals. The reason for these abundantresources is obvious. In order to succeedit is necessary to have sufcient expertand credible counsel. That being said, Ind it so amazing how many extremelybrilliant business professionals fail to seethe relevance or the need to get counsel orinstruction from the one expert that hasa awless track record for the successfuloversight and management of the entireuniverse; God, the creator of the universe!

Most business professional are highly pro-cient in their trade. They have acquired spe-cialized skill-sets, training and experience thatallow them to comfortably make informedday-to-day decisions. They take advantage

of a plethoraof seminarsand high leveltraining to as-sure they re-main abreast of

cutting edge technologies, best practices, andcurrent trends in their specic industry. Busi-ness men and women make commitmentsto pursue continual personal development

activities that include empowering seminars,formal learning, the latest industry training,speaker guilds, and a host of other events de-signed to improve themselves, their employ-ees, and their company.

But, many business men and womenlack the acumens needed to practically

integrate biblical or spiritual principles intheir day-to-day business activities, theirindividual and family affairs. They fail torealize Gods deep desire to be involved intheir personal lives and in the success oftheir business.

It is no surprise with all of the demandsof business management, there seemsto be a lack of time devoted to spiritualgrowth activities. It is obvious that all1,440 minutes of each day have some

meaningful activity already assigned toit. So, at the end of that day the thingsthat have the highest priority are thethings that get done. Everything else isrescheduled or dismissed.

Here are some suggestions to reprioritize

yourTo-Do List:

Set-a-side fteen minutes eachmorning or evening to read a dailydevotion guide. The local or onlineChristian Book stores offer a variety

of devotional guides to choose from.

Seek other individuals who have a simi-lar desire as you to know more about

the bible and form a group (or join anexisting group) to study together.

Begin to look for (and regularly attend) a local church or Bible studygroup that ts your personality andcultural preferences.

Make a commitment to replace anhour a week of your time normallyspent on; multimedia activities (TVInternet, Games, etc), or favoritesports event, or working in the ga-rage, or shopping at the mall, with anhour reading a classic Christian book.

Join a local Christian Business Networking Group that may operatein your area. Goggle search thosewords with your location and it wil

give you a starting point.

Consider seeking advice from a li-censed Christian Counselor or con-sider utilizing the skills of a Chris-tian Life Coach. These professionalscan offer insight that will be helpfuwhile you seek to merge biblical andspiritual values into your businessand personal life.

You may nd it difcult to make suchchanges in your already busy schedule

but it will be worth it. You will nd your-self more excited about making a mean-ingful difference. Stick to your commit-

Practical Ways To Put The BibleIn Your BusinessBy Erven Kimble

Listen to advice and accept correction, and in the end you will be wise. People can make all kinds of plans,

but only the Lords plan will happen. (Proverbs 19:20-21)(NCV)

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THE WHY

Why are you investing inreal estate? Do you have aplan?

Every business that seeks to grow andachieve success has a detailed businessplan. Any real estate entrepreneur thatexpects cash flow and asset growth in

any reasonable time period shouldhave a detailed plan as well.

The first question is where do youwant to be in 5 or 10 years? Just say-ing you want to be rich is not an ac-ceptable answer. Rich is a nebulousword and one we will remove from ourvocabulary for this discussion.

We will replace it with two conceptsthat we can dene, Cash Flow and AssetBuilding. Cash ow generates currentdollars available to spend now. Whilecash ow is required to put food on thetable and a roof over your head, it is alsotaxed in the year you receive it. Evenwith the new tax laws, it can be taxedup to 60% between federal, state andself-employment taxes. Once you thinkabout it, it makes no sense to earn anymore than you need to live comfortably,not spartanly or exorbitantly.

This is true since the next dollar you

dont need can be taxed up to 60cents. And after paying the taxes, you

must find a good investment for theremaining 40 cents. You would needto more than double your return onthe after-taxed money to generate thesame dollars as you would on before-taxed dollars. That should debunk theold Cash Flow is King thinking.

A popular way for real estate entrepre-neurs to generate cash is with quick-

turn property. But this is just a busi-ness where you are the boss. You maygenerate high income, but you willnever be truly wealthy doing this. Seeif you can name just one person youknow that retired wealthy from thisbusiness alone.

Assets are King, is a much truerstatement. Asset values grow withoutcurrent taxation. Rental property canprovide both current cash flow and as-

set growth. You decide when that as-set growth is taxed. Growing assets isthe true path to wealth.

So, how much do you need? We an-swered the cash flow part of this ques-tion above. That was pretty easy to de-termine. Asset accumulation is muchmore subjective. After about 4 millionbetween spouses, estate planning be-comes complex. For the vast majorityof you, 4 million in todays dollars ininvestment net worth will carry you

through the rest of your lives.

INHERITANCE

One of the biggest disservices doneto children is to leave them large in-heritances. A study was done of lot-tery winners in Massachusetts in the1980s. Any winner of $5,000 or morewas tracked for 5 years. After 5 yearsit was found that 85% of them were inthe same OR WORSE financial con-

dition than they were 5 years earlierThis directly relates to inheritanceswindfall money given to someone whohas not earned it. You probably haveyour own stories of wasted inheritanc-es. Bottom linehuman nature is thatpeople value what they earn them-selves more than what is given themfor free.

If you really want to make a differencein the lives of those you love, teach

them to invest rather than just leavingan inheritance. The self-esteem you wilbe giving them is greater than any in-heritance. And knowledge is not taxed

Put some thought into these conceptswhen you are on vacation. To be trulysuccessful, you must have a plan.


Dyches Boddiord4044926009

[email protected]

www.Assets101.com

Dyches Boddiord is a ulltime investor who speaks romexperience in a variety o real estateareas. His seminars and conerencesare intended or the serious real

estate investor, though entrepreneurs in otherbusinesses or investments will nd his traininghelpul as well.

The Why: How Much Do YouReally Need?By Dyches Boddiford

ASSETS 101

Keep up to date with our latest

opportunities by joining us on Twitter at

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How to Find Investors Its Fairly Simple!

When youre looking for private money,it is not an art. Its a fairly simple process.

How to Find Investors Benefts

The benets really depend upon the ne-gotiation with you and the lender. Here

are a few of the many possible benets:

Youre dealing with an individual whocan make the decision right then andthere, or as close to right then andthere as you can.

You generally pay points for loanorigination fees to traditional lend-ers, with private lenders, whetherpoints are paid or not is a matter ofnegotiation.

Traditional lenders require payments

on loans; with an IRA it may be pos-sible to arrange a no payment loan.

- If you need a one-year or two-yearloan to do a rehab and the inves-tor says I dont need the cash owbecause its in my IRA, Id ratherhave the extra one or two per-cent. Thats great; youd rathernot make any payments until the

house sells.

You set the terms with the privatelender, not the bank.

Many times, theres no personal creditrequired; however, not always.

There are often no personal guar-antees; this varies by lender andnegotiation.

In some cases, you can get dollars up-front for funding expenses.

- Thats not always the case. Manyprivate lenders will say no mon-ey upfront; still others will say100% as long as the Loan to Val-ue is 65% or less.

Some lenders will require some sort oequity, skin in the game, to makea loan. Thats one of the nice thingsabout dealing with private lenders

the terms are completely negotiablebetween you and the lender.

How to Find Investors Gettingthe Conversation Started

Get the conversation started with anintroduction letter (reminder: to peopleyou already have aprior existing relation-ship with) and a personal business pro-le. Set up a one-on-one appointmentand get a commitment if a commitment

is available.

Is it an Art? Is it a Science? No itsFairly Simple! How to Find Investors!By Jim Hitt, CEO of American IRA, LLC

fAST TRAck TO SELf-DIREcTED IRA INVESTING

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Call 770-904-2508Or Visit www.SuperSmartWebProfts.com

continued on p18
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PRAdo

Join us at the

Haves & Wants MeetingEvery Thursday at 1:30pm

@ 5 Seasons Brewing located at5600 Roswell Rd in Sandy Springs at the Prado.

Understanding Lender Options Upon RealEstate Loan Default, Part 2 of 2By Attorney Jon David W. Huffman

REAL ESTATE LEGAL REpORT

Jon David Human

4043734008 x [email protected]

www.PooleLawGroup.com

www.LinkedIn.com/in/JonDavidHufman

Jon David Hufman is a litigationattorney specializing in real estatedisputes, business disputes andcommercial collections. With

more than a decade o experience managingsmall businesses beore attending EmoryLaw School, he brings a business ownersperspective to the practice o law.

Last month I began this two-partarticle on the options and proce-dures that lenders may take when

a borrower defaults on their real estateloan. Understanding this process is im-portant to real estate professionals wheth-er they are lenders, borrowers, agents orinvestors attempting to buy or manageproperty during the default process.

When a borrower defaults on his loan,most often by failing to make the month-ly payments, the lender has several op-tions. Although not exhaustive nor mu-tually exclusive, these options includeforeclosure, ling suit, self-help reposses-sion or requesting that the court appointa receiver to manage the property.

The two most popular options differ intheir order: lenders can foreclose rst orle a lawsuit rst. Therefore, the lender

gets to choose its starting point: (1) fore-close rst and then sue, or (2) sue rstand then foreclose. The order is impor-tant and it is signicant to rememberthat the second step in either option is atthe lenders discretion. Last month I ad-dressed the rst and most popular optionfor residential loans. In this article, I willdiscuss the second option.

Sue Firstand Then Foreclose(i you want)

The second most popular option by lend-

ers is what I have entitled the sue rstand then foreclose (if you want) process.This process is very popular in commer-cial loan defaults. Some may even arguethat this is the lenders rst choice in acommercial context. An example is thebest way to illustrate this.

Rob borrows $5,000,000 to buy a smallcommercial property. After his purchase,

the market declines leaving his commer-cial property valued at $3,000,000. Robsbest tenant, who was occupying 60% ofthe space, goes out of business. There-fore, Rob is unable to make his mortgagepayments. Predictably, the bank sends ademand for payment. When Rob fails topay, instead of foreclosing, the bank lesa lawsuit.

In a lawsuit like the example above, abank will easily prevail. After winning

the lawsuit, the court will enter a judg-ment for $5,000,000+ against Rob. IfRob does not pay the judgment, the bankhas collection options like any other judg-ment holder. It can, among other things,garnish wages, garnish bank accounts,seize Robs business holdings, take hispersonal property or seize any of Robsreal estate holdings, including the prop-erty in our example. The bank does nothave to pursue the property that the loanwas borrowed against, but it may.

The sue rst and then foreclose (if youwant) option gives banks more optionsand, in turn, generally applies more pres-sure to their borrowers. This option alsodoes not require the bank to go throughthe costly and unpredictable conrma-tion process that was discussed in lastmonths article. In todays market, manybanks are selecting this option when theirborrowers default. For banks and bor-

rowers, these disputes often wind up as acomplex game of negotiating. Any bankor borrower in this situation should hirean attorney with experience to help themnavigate these tumultuous waters.

Disclaimer: The information contained in thisarticle is for informational purposes only and isnot legal advice or a substitute for legal counselIt does not constitute advertising or solicitationThe information in this article may or may notreect the most current legal developments; ac-

cordingly, this article is not guaranteed to bcomplete, and should not be considered an indi-cation of future results.

http://atlantareia.com/?p=19700http://atlantareia.com/?p=19700




Remember: Youre not begging, yourenot sellingand youre not chasing. Keepin mind that most bank accounts areoffering % interest or less. The rightdeal can be a win for the investor andthe borrower.

Think about what investors want toknow. Am I going to get my moneyback? Nine percent is great, but whatabout my $100,000? How do I knowthat Im getting that back, because 9%means nothing if I lose $100,000? Awell secured 55% Loan to Value on apiece of real estate thats a rst mortgageat eight or nine percent should be a veryattractive investment, provided you makethem feel comfortable.

How to Find Investors Private Money Guidelines

Under the SEC guidelines, you cannotsolicit lenders by mail, this is a violation.You need to have a prior relationshipwith your potential lenders. As a generalcomment, always to be veried with yourprofessionals, the relationship can be de-veloped over a series of meetings.

How to Find Investors

Keeping the Door Open

Ask your current lenders for referrals. Agreat time to ask is after you have con-sistently made on-time payments. Callthem up to make sure they received theirpayment and ask: Hows everything go-ing? Great, do you know anybody elsewho would like to get a nice consistentreturn on their money? Not this week?Well, keep us in mind.

Send out annual statements of investmentperformance. Its like a little statement offacts. Always be professional and put to-gether a great package. This is the mini-mum information you should include inyour package:

Appraisal

Title insurance

Fire and liability insurance

A copy of the note and deed of trust,security deed or the mortgage

The more professional the package, themore your chances of hearing yes in-crease. It should also include picturesand a map of the area. Make it a profes-sional package so that the lender knows

theyre dealing with somebody that isthorough. Put yourself in the investorsshoes. Would you rather deal with some-body thats thorough or somebody thatssloppy? Who makes you feel warm andtoasty about lending your money?

Obtaining private loans is a processof gaining the lenders condenceand proving your ability as a success-ful investor.

Many investors believe they are en-titled to borrow money. These peopleusually fail.

The successful investor is professionaland respectful, and provides proof oftheir ability or background.

Even though youre offering a heckof a good opportunity, be respectful.Dont just say Hey if you have money,stand up.

Disclaimer

The loan to values, the examples, the in-terest rates, and the reference to pointscosts etc. are merely examples. This is nota recommendation of interest rates etc.this is absolutely for illustration purposesonly. You need to consult with the prope

professionals when entering into this typeof transaction.

American IRA, LLC does not give invest-ment advice. We do offer guidance as tothe rules and regulations related to theirself-directed accounts and the benets odifferent account types so that their cli-ents can take that information to theirprofessionals to discuss the ramicationsof various decisions on their individuasituation.

For more information, or to explore youroptions, call American IRA today at 8667500-IRA (472). We look forward toworking with you.


Jim Hitt8007500472

[email protected]

www.AmericanIRA.com

www.Facebook.com/AmericanIRA

www.Twitter.com/IRAExpert

Jim Hitt is the Chie ExecutiveOcer o American IRA, LLCand has been committed to allaspects o investing or more

than 30 years, using seldirected IRAs or hisown investments since 1982. Jims orte is thenancing and acquisition o real estate, privateoferings, mortgage lending, businesses, jointventures, partnerships and limited liabilitycompanies using creative techniques.

continued from page 16

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7/29/2019 The Profi

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