SPECIAL REPORT

How to REALLY Make

Money

In Real Estate!

"How to Avoid Paying $5,423... $85128... $10,113 
or More in Real Estate Commission by
Selling Without an Agent!"

I am going to cover the basic information regarding to how to really make money in real estate. There are several misconceptions and a lot of assumptions going on so I am going to clear up some issues before we really get into the money-making nitty-gritty.

Here we go...

IMMEDIATE LOAN QUALIFICATIONS

If you are trying to purchase a residential property with an immediate loan, several requirements apply (and these are ALL outlined in your (Real Estate Profit Cash Flow Manual)

• You MUST have a steady source of income for 12 months or longer (and government assistance or social security does NOT count). A source of income can be from a job or a business or investments.

• You CANNOT have any “open” delinquencies, liens, judgments, or lawsuits pending.

• You MUST be current on your debts. You must be on time with any car payments or credit cards that you are required to make payments on. You must be current for at least 6 months.

• You must have a Credit FICO score that’s in the 500s.

• You cannot currently be in bankruptcy or foreclosure proceedings. No lender will issue a loan to someone who does not have a discharged bankruptcy. And NEVER have I seen a lender give a new loan on a property that’s currently in foreclosure. (If you can’t make the payments, what makes you think someone will give you a new loan?)

• You must have or be willing to put up to 5% down (even though you probably won’t be required to do so).

If you are lacking in one or more of the above requirements then you (or your client) MUST go through the lease-option process. NO EXCEPTIONS!

If you are trying to secure an investment or commercial property, a down payment is usually required unless you make special arrangements with the property owner. Residential properties are usually the only properties that you can work with through a no-money-down deal with the lender.

THE LEASE-OPTION PROCESS

As outlined in your Real Estate Cash Flow Manual, you can acquire one or more properties through the lease-option process. You can acquire any property from residential, to investment, and even commercial properties. (Real Estate Profit Cash Flow Manual)

Here is how the process works:

1.  You need to strike a deal with a property owner. A property owner can be found in several ways:

a. By placing an ad.

b. By calling “For Sale by Owner” (or Fizz-Bo) properties either out of the newspaper or by doing drive-bys.

c. Passing out flyers or doing mailers that talk about how you can give them up to 20% more on the appraised value of their property if they do a lease-option deal on your terms.  (Real Estate Profit Cash Flow Manual)

2. Once you have a verbal agreement with a property owner, you then have to submit a preliminary proposal to him or her for a wet signature. Remember, the “deal” isn’t solid until you get a tenant buyer for the property so you aren’t responsible for payments until you find someone.

a. The 20% above the appraised value of the home is taken “on paper.” This means that whatever the lender cannot cover at the end of the lease-option period (usually 12 months), the property owner must hold. This means that the owner has to set up a payment plan with the tenant buyer after the close of escrow. This payment plan can vary from just a couple of years to five years or more.

b. During the lease-option period, the property owner is responsible for ALL property taxes and required home maintenance unless otherwise agreed upon in the lease-option contract.

c. The property owner is also responsible for the appraisal of the property before and after the lease-option period.

3.  During the lease-option period the tenant buyer is responsible for making ALL payments ON TIME, making attempts to clean up his or her credit, making current payments on ALL current debts, and basic maintenance of the property (landscaping, etc.)

a. The reason someone with bad credit should and needs to go through the lease-option period in order to qualify for a “real” mortgage is that they are proving “ATP” or ability to pay. They are also working on cleaning up their credit, which makes them better candidates after the 12 months.

b. In addition, since that tenant buyer is making payments on the same property that they will be purchasing, this also looks good when seeking out a lender after the contract period is over. It shows the lender that they are able to make the monthly payments and they will be continuing to do so on the same property after they are approved for a mortgage.

c. Remember, the tenant buyer must keep a steady source of income, must keep up on their payments of both the property and other debts, and must make an attempt to clean up their credit.

4.  About 2 — 3 months before the lease-option contract comes to term, you are responsible for helping your tenant buyer with getting a loan on that property. So long as they were able to fulfill all of the requirements during the contract period, you will be able to get them a loan.

5.  If the tenant buyer does NOT want to purchase the home or does not qualify or did not fulfill all of the necessary requirements (as outlined in their contract), you can do one of the following with the property:

a. Revert it back to the property owner who loses nothing. He or she had collected rent for the property for one year.

b. You can purchase the property yourself then either move into it or do a lease-option with another tenant buyer. ..Or just lease it out as an income property.

c. You can negotiate another 6 months to a year with the homeowner to either help the current tenant buyer with the loan process OR get an other tenant buyer into the home.

Lease-option is very lucrative because you are making money with someone else’s property and you are able to acquire investment properties with nothing down and no credit necessary.  (Real Estate Profit Cash Flow Manual)

You can use the material IMMEDIATELY

THE BIG PICTURE: INVESTMENT PROPERTIES & PASSIVE INCOME

The whole idea of getting started in real estate this way is so you can eventually start acquiring investment properties. After you help several tenant buyers acquire the properties for themselves, eventually you will want to take those properties for yourself and your own investments.

Then, after doing that for awhile, you can do lease-option deals to secure apartment buildings and other investment properties. OR you can roll your lease-option cash flow into buying investment properties.

That’s how real estate fortunes are made. It doesn’t happen overnight and it does take some work in finding the properties and making the deals work. Think about it: If anything was easy, everybody would be doing it, then the opportunity would no longer be there.

This is, by far, one of the easier ways of making money in real estate. There are other strategies like making money in foreclosures. However, the ONLY thing you should be striving for in real estate is acquiring as many investment properties as possible. That’s how millionaires are made. Keeping a large real estate fortune is NOT done by buying and selling. It’s done by keeping properties and getting that passive monthly income from your buildings. Never lose focus of that being the overall goal

Some areas, because of inflation and the cost of living, makes it impossible to make a lucrative rental income from just single-family homes. Note that in these areas (like New York, Southern California, and the California Bay area) you need to acquire multiple-unit apartment/condo buildings of 8 units or more (the more units the better).

I don’t care where you live; you will always make more money from having a building of many units than collecting rent from one family in one single-family unit or home.

There is still a lot of money to be made in real estate. Many people fear that because our economy is bad that real estate may drop in price. From what I’ve seen, if prices drop, it’s only temporary. Remember, no matter what happens in the economy, housing prices WILL be much higher 10 years from today.

Think LONG-TERM when investing in real estate and don’t let recessions or problems with the economy scare you out of the market. Invest now anyway because your investment WILL be worth MUCH MORE 10 years from now no matter what happens in the economy... (Real Estate Profit Cash Flow Manual)

See you at the top!

Christopher Michael

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