The recent brutal murder of a real estate agent working at an open house in McKinney, Texas brings the issue of personal safety to the forefront. It is a sad fact that many of the activities necessary for successful real estate investing, such as showing properties to potential buyers or renters, have some degree of risk. You may often be alone with people you don’t know, creating a potentially hazardous situation.

While statistics by occupation have not been kept, real estate agents have been murdered, sexually assaulted, robbed, and carjacked in the course of doing business. It’s logical that a real estate investor could fall victim to the same crimes, but with awareness and by taking some simple precautions, you can protect yourself.

Keep these safety tips in mind:

-Whenever possible, meet prospective buyers and sellers in a public place. Fast food restaurants are great places to review paperwork. The meeting also gives you a chance to find out as much as you can about the prospect, including where they work, what they do, how much they earn, and so on. This helps you qualify the individual as a potential buyer or seller as well as giving you a sense of whether they are legitimate or not.

-Don’t assume that because the prospective client is a woman that she means no harm. Increasingly, women are being used to set up a victim for a male perpetrator—or women are actually committing the crimes. Be equally cautious with both males and females.

-Always carry a cell phone and keep it accessible. Carry it in your hand, clip it to your belt, or keep it in a pocket—don’t leave it in the car or let it drop to the bottom of your purse or briefcase. Program emergency numbers into your speed dial. Keep your cell phone charged. Carry a car charger to use if necessary.

-Always take your own car when showing or inspecting property, and lock it when you leave it, even if you’re only going to be a few steps away. Also, keep it locked at all times while driving.

-When showing a property, follow rather than lead the prospect through the house, and don’t let him get between you and the door. Avoid going into the basement or other confined areas with someone you don’t know well.

-Let someone know where you’ll be. If you are inspecting or showing properties, or meeting with prospects, be sure someone knows where you are and when you expect to return. Have a plan ready in case you don’t return on schedule.

-Carry pepper spray and know how to use it. Consider taking a personal safety course so you’ll know what to do if you’re attacked.

-Dress for safety. Don’t wear expensive jewelry. Wear clothing appropriate for the weather. If your car breaks down or you need to escape a dangerous situation on foot, you may find yourself exposed to harsh weather conditions for an extended period, so keep a coat handy in the winter. Choose shoes that will allow you to move quickly if necessary.

Have you ever seen such a crazy real estate market? Depending upon where you live, you may be saying “this is the worst real estate market in 20 years” or you may be saying “let the good times roll”. Talk about a real split personality situation.

Don’t despair. No, the sky is not falling and actually what is going has been quite predictable by many. When you go to real estate markets that were “hot” 18 months ago, the savvy investors are laughing all the way to the bank since they got out before it went soft. These investors have absolutely no interest in buying in their local market unless someone makes them a deal that they just cannot refuse.

In other markets, you have savvy investors buying everything that makes sense. In fact, there are some markets out there RIGHT NOW where the real investors expect nothing but growth for 3-5 years. And this is coming from the mouths of very experienced (20+ year) investors who are actually putting their money in harms way. For the average Joe, how can you possibly sort out if you are dealing with a Dr. Jekyll or a Mr. Hyde when you are considering a new real estate purchase? Its simple. Look at the fundamentals.

This last week, I was in two resort markets; Cape San Blas, Florida and in Marble Falls, Texas. In this week’s article, we are going to compare two example properties to show how working in this (or any) real estate market is quite simple if you follow the fundamentals.

Cape San Blas, Florida Have you ever heard of this awesome beach location? If not, you are in the majority because even in Destin, which is about 90 miles to the east, very few people know about its appeal. Over the Labor day weekend, we returned to this beach location that has been one of our personal favorites for over 20 years. The appeal of this location, at least to us, is that you can rent a beach house on some of the prettiest, but yet most desolate beaches that Florida has to offer. The first night we were there is pretty typical; as far as the eye could see down the beach, in either direction, and not a soul was to be found.

In fact, when you go on the Cape, you better be prepared to be self sufficient since the closest restaurants are 15+ miles away. Ever since we have been going to the area, there has been a moratorium on commercial development. Lots of beach houses (but not condos) dot the beach view so it makes for a nice get away.

Now, from the investment side……. It used to be that the Cape was undervalued beachfront property. Even today, it is priced MUCH less than Destin beach front. Cape San Blas was a location where someone with reasonable resources could actually afford to own a beach front home and rent it out. Boy has that changed recently.

The house next to ours was listed for sale…….AND SO WERE OVER ½ THE PROPERTIES ON THE CAPE. It looked like a very nice beach home, 3200 square feet, 0.7 Acres, with a price tag of 1.99 Million Dollars. A friend of ours went with us and he and I have done a lot of investments together so we started “doing the math”. Without officially verifying the numbers, here is what we came up with on an annual basis.

Net Income After Property Management: $25,000 (that is being generous)

Estimated Insurance: -$25,000 Estimated Taxes: -$13,000 Principle + Interest (20% Down, 7.5%) -$133,000

Net Annual Cashflow: -$146,000

Oh boy, where do I sign up? Notice that even if you paid CASH, the property would not have a positive cashflow, especially if you factored in maintenance. Sadly, we literally saw hundred’s of for sale signs on the Cape. I wish them luck in trying to sell because I don’t believe there will be many buyers for those fundamentals for a long time.

Marble Falls, Texas (Note: This article was intended to be before our property release but had to be delayed)

Like the resort market above, many of you have probably never heard of Marble Falls, Texas which is located about 45 minutes west of Austin, Texas. The major attraction to the area is that the Colorado river is damned into LBJ lake that then allows very nice lake homes to be built on its shores. In addition, there is a tremendous amount of golf (5 courses) in the area with a total permanent population of around 5,000. After driving through hot Texas for hours, this location was truly an oasis.

Even more interesting to me is the tremendous growth that is going on in employment, population, press popularity, etc in the area. In fact, Money magazine just ranked Austin #2 in best places to live and the area always ranks very high on job growth since Texas is still very aggressive in corporate relocations. Huge companies are moving to the area on a regular basis due to low land costs and a very favorable tax situation.

When you look inside Marble Hills, it really is just a tiny town that for the most part, services and survives off of the resort area. Like many resort locations, a lot of employment gets created however it is not high paying; if you look at most resort locations that have experienced growth, lower end property has become in extreme demand for affordable housing for workers. Given the growth of the surrounding area, the high dollar value of the resort type homes, and the lack of many true resorts in Texas, it is reasonable to expect Marble Falls to follow the same path.

In addition, when you go into Marble Falls, you see something very, very strange. For a town of such a small population, you see essentially a new Home Depot, and a new Office Depot, and lots of signs of new growth. Hmmmmm. Knowing that firms like Home Depot rarely miss on their analysis of future growth, that is really interesting to me.

So now, let’s look at some numbers. We are working on a duplex project that we hope to bring to our group over the next week. Here are the rough numbers with a purchase price of approximately $200,000 ($100,000 per side of the duplex).

Net Income After Property Management: $20,000 (We believe this to be conservative)

Estimated Insurance: - $1,000 Estimated Taxes: - $5,000 Interest Only (20% Down, 7.5%) -$12,000

Net Annual Cashflow: +$2,000

** Note: Most people are choosing to finance with 10% down thus changing to a near neutral cashflow position at current rents.

While these are just preliminary numbers, they clearly show a night and day difference with the numbers in Cape San Blas. Also, when you visit, you find out there is very little property for sale and very little for rent…. That is a good combination in my opinion.

Comparison Of Fundamentals For educational purposes, let’s just look at the course fundamentals. Literally, you could put together this information based on just a couple of phone calls to people in the area.

Cape San Blas Annual Cashflow -$146,000 Net Rent Multiplier ($1.99M/$25K) 79.6 Inventory On Market Substantial New Commercial Growth Zero New Job Growth Zero

Marble Falls Annual Cashflow +$2,000 Gross Rent Multiplier ($200K/$19.4K) 10.0 Inventory On Market Negligible New Commercial Growth Substantial New Job Growth Substantial

Even though I would consider this at best a “first level” analysis, I can tell you immediately that I would have no interest in the Cape San Blas property and I would be very interested in the Marble Falls property. Why? Simple real estate fundamentals.

While there is lots of gloom & doom press out there about the real estate market, and some of it is actually true, never forget that real estate markets are not coupled…. That is, you can have a Mr. Hyde in one location and at the same have a very interesting Dr. Jekyll in another. To sort them out, simply “do the math”.

A self-directed IRA real estate option is one route that many retiring investors have taken. They recognize the advantages of real estate holdings and know that just like the stock market, the real estate market will boom and bust in cycles, but the good thing about this is that, regardless of numerous cycles, it has a strong survival rate. We don't think real estate would ever disappear from the investment scenario; it remains as one of the more attractive alternatives because of the higher potential of returns than can be gained. Both real estate and stock markets are survivors, but there are plenty of times when real estate returns fare better than stock market returns; not to mention there is more than a perceived value in a tangible asset such as real estate when the market cools off. This is why real estate investments have become a real magnet for investors' retirement portfolios. These investors are looking for the security of a tangible asset while at the same time benefiting from the highest returns on their money.

The key components of a self-directed IRA real estate investment lie in the words, "self-directed." Because of the nature of the self-directed IRA, present and future retirees can now establish a self-directed IRA real estate account with the help of a trusted and competent IRA trustee/custodian and a self directed IRA advisor.

A self-directed IRA real estate portfolio means that investors have the blessing of the IRS to use monies in their IRAs to purchase real estate and other alternative assets to achieve their investment objectives. Many people nurture the mistaken notion that this is not allowed by the IRS; this is because traditional IRA advisers would prefer to oversee holdings which they can monitor for their clients and a real estate holding would be administratively cumbersome. That's one. Two, there's nothing in the law that requires them to offer real estate investments to clients. These are the principal reasons why a self-directed IRA real estate option does not appear in the portfolios of millions of investors when in fact, it does not constitute a prohibited transaction by any measure. The only restriction that applies is that individuals with self-directed IRA real estate holdings cannot live in the property they purchase.

For someone new to the game of self-directed IRA real estate options, engaging the services of an advisor, who is well versed with self-directed IRA real estate accounts would make sense. A qualified self directed IRA advsior will have the expertise to deal with the administrative paper work and the mechanisms to employ so that the investor does not get slapped with IRS penalties and taxes.

Many people live in a world where they believe that debt is bad. I used to. Debt is only bad if it's not managed properly, otherwise it's not just good - it's great.
The text below will probably be stating the obvious to some but I hope will be of value to many of you. There will be two themes; [1] Leverage through debt and [2] How and offset mortgage can work for you. This article assumes some basic knowledge of personal finance and the terms used within it.
1. Leverage through debt.
We are going to assume here that we are going to invest money into property. the main assumption that the reader must make in order to make this work for you is that you have the cash to finance a deposit on the property.
Let's say that you have £10,000 that you can invest. Let's also say that you have credit rating such that you can secure a mortgage with a 90% LTV. Lastly, for sake of simplicity, let's assume that purchasing costs total £5000 which you can capitalise. What this means is that someone will lend you £100,000, if you put down £10,000. Given that we've got costs of £5,000 it leaves us £95,000 to buy a property.
Assume now that you've bought your property, you are renting it out and the rent covers mortgage interest and other costs, i.e. you are cash flow neutral. Roll the clock forward 1 year and let's assume that the value of your property has appreciated by 10% to £104,500. You decide to sell. You sell at £104,500 with £5,000 in selling costs leaving you with £99,500. Now, you owe £95,000 to the bank leaving you with £4,500.
So here's leverage. you've just made £4,500 on an investment of £10,000. That's a 45% return. Without the leverage, let's say you purchase the property for your cash. You would have had a return of £4.7%. Which would you prefer?
It's important that you read the above in conjunction with the assumptions at all times. The reality of property investment can be different but this principle always applies.
Notes:
a. You will see many adverts, often in the weekend papers, offering you a free seminar on how to borrow money with no deposit. I've never looked into any of these but I do believe that you get what you pay for. Hence if you're borrowing money with no deposit then you are paying for it in someway regardless of how transparent this is.
b. You will not rent your property 100% of the year so either, you'll need to increase rent to cover cashflow during vacant periods or take a hit to your cashflow.
c. If you take a hit to your cashflow this doesn't have to be a bad thing as long as it's managed. At the end of the day this just comes out of your profits. What you need to ensure is that you have the cash to ride the troughs.
2. How an offset mortgage can work for you.
Offset mortgages are great for those who have some equity in their property. For purposes of borrowing, an offset mortgage is essentially just a big overdraft secured on your house. Remember how I said above that you couldn't borrow money for nothing, well there's an exception to every rule and here it is.
Let's say that you bought your house with a classic 25% deposit. Now go out and re-mortgage, for an interest only offset mortgage product, for more than 75% - let's say 90%. You've just released 15% of the value of your house as cash - well done! Having read the first part of the blog, you know want to invest this money in property to achieve some leverage on this newly found cash - good choice. Having considered your options you're concerned that through rental you won't cover your monthly cashflow and you don't have cash to support this. This would mean that you would default on your interest payments on the 15% extra in equity that you've just borrowed. (note: I'm assuming you could afford your mortgage interest repayments at 75% prior to re-mortgaging!).
Here's what you do. Let's say your house is worth £200,000 and so 15% of this is £30,000. The next assumption that you will buy, rent and sell your investment property in a calendar year (just because it makes the numbers a little easier on the eye). Some more assumptions. The interest rate on your offset is 5% and on the property you're about to buy you'll need £5,000 to cover vacant time. Lastly, I'm not including costs in this example just for simplicity, you can always factor them in yourself if you're serious about this.
OK, now you can make some money.
1. Of the £30,000 that is available, take £23,500. This leaves £5000 to cover costs and £1500 annual interest on £30,000. 2. Use your £23,500 to secure 90% financing on a property and borrow £235,000. 3. Go and buy a property for £235,000 4. After 1 year, sell the property with 10% appreciation making £23,500 in profit.
General Notes:
I have simplified some statements and calculations in this article such that they are not 100% accurate. Despite any minor inaccuracies the magnitudes and principles remain the same, there is nothing deliberately misleading here. If you are to consider this seriously, you need to understand what goes into finder someone to rent your property, how much this costs (cost of acquisition), how much insurance is, how much you might pay in maintenance.
If you remember only one thing from this it should be leverage. Learn to obtain and manage debt so that you can exploit the risk giving you leverage
My background and experience is mainly project management within diverse environments such as large corporate financial institutions, medium-sized technology consultancies and smaller start-ups. Having held positions including Operations Director (COO) and Head of Process Management, I recently left corporate life as an employee…the entrepreneurial side of my character is prevailing.
My focus is on becoming an “Un-natural Entrepreneur”. I want to work with people and companies that have vision. I can offer key values and skills to help bring your ideas to fruition. If you are a “starter”, then I am your “finisher”. My approach to a challenge is to clarify, understand, problem-solve, develop and deliver.
To take an idea or concept through from its inception to its execution requires a consultative approach - a partnership. I am a rational and pragmatic thinker and can work within an existing management structure, or create a new management team through my extensive network.

Purchasing real estate is a very difficult and sometimes frustrating task. Often it is more difficult than purchasing stocks, bonds or mutual funds. However, there are ways to purchase good properties at low prices that will sell or rent for high prices. There are properties on the market that are unknown, and these properties are the ones on which you can get the best deal, rather than when you are purchasing a home for your family or a home to rent or sell.
A good real estate investment can generate a decent monthly income or lower your monthly payments. So it is very important that you understand how to purchase the right real estate.
First, you must know the reason why you are purchasing the property. Real estate is not for everyone, so be sure to clearly understand your motive for wanting to purchase real estate. You can ask yourself these questions.
1.) Are you buying a home for yourself and your family?
2.) Are you looking for a home you can sell or rent?
3.) Why do you want to purchase real estate now?
4.) What type of property are you looking for (a fixer-upper home, a starter home, a low down-payment home, an apartment or a condominium) and why?
5.) Are you seeking to replace your current income? Whatever your reason for purchasing real estate, it should be clearly defined before you begin the buying process.
Buying a property for yourself or for rent will take a lot of time, effort and good research. Be prepared to spend a lot of time making your investment. Time, effort and thorough research are essential when purchasing any type of real estate. Do not jump at the first good offer you receive. Take the time to look at various properties and to compare and contrast each one.
As you begin researching your property options, you will want to look at the condition of the property, the location, and the costs. If you are buying a house for yourself, compare the house to your needs. Is it what you and your family need? Does it have enough space? Enough bedrooms and living space? What repairs will need to be done? Is the location ideal for your family? Are schools, churches, stores, and other community areas easily available from this house? Is the cost of this house in your price range? Keep your reason for buying a home and your needs in mind when comparing various properties.
If your reason for purchasing real estate is to buy and sell or to rent, you definitely want to locate a property that will generate a decent monthly income. You will need to locate properties that are not in need of much repair and maintenance. Fixing up a property can increase the value of the home, but the cost of repairs can quickly add up and cut into your monthly profit. Be careful when buying a home to sell or rent. You want to buy this home as if you very purchasing it for your own family.
You will also want to consider the location carefully when you are purchasing real estate to sell or rent. Is the location suitable for renters? Are there other properties in that particular area that are being rented? If so, how will your monthly rent fee compare to the other rented houses?
In conclusion, whether you are buying a house for your family or to rent or sell, you must first identify and understand your motive and determine what you are looking for in a house. It must meet your needs. You must question the price range, the amount of investment needed, if you will be able to rent or sell it, and its location. Once you have these elements, you are well on your way to successfully purchasing good real estate.

Real estate investment like any other form of investment is dependent on the economic principle of supply and demand. The ebbing and flow of the population in your target area will therefore be important to determine if your property will do well both in terms of capital appreciation and rental income. This article will therefore help you identify three migration trends that may make you more money in your real estate investment.
Firstly, interstate migration is a simple concept that affects real estate prices to some extent. When a certain large group ofbout the Author Joel Teo is the own people move to another state for instance due to some large factory opening up or some large scale business opening up, you will see that property prices in that particular area heating up. For that matter, it will be prudent to look at states where industries are opening new plants, or the Federal Government is allocating more industrial spending in terms of defence revenue towards to identify which properties will start going up in value. The newspapers and county statistics at the local office should avail you of such migration data and spend some time researching on it before making your next real estate investment.
You will notice that most people gripe and bemoan the fact that they missed out on the last real estate gold rush, I would suggest that you should therefore spend some time looking out for developments in your country or state and seize them. Another good way to spot such trends is to make friends with a real estate agent and tap on their real estate knowledge to do better in your real estate investments.
Secondly, the university town syndrome is easy to spot for the purposes of real estate investments. Students from all over the world and from other states flock to institutes of higher learning and so require housing. I am sure most of you are familiar with this and Sydney is one example in point where weekly rentals are quite high due to the various universities that are around the residential sites in the area.
What most people are not attuned to is the real estate growth of the university and the prospects of rental increase of the properties that are around the growth areas of the university. Always be on the lookout for possible university property expansion and purchase property on the fringes so that you can cater to the prospective student renters around the vicinity and make more from your real estate investments.
Thirdly, governmental Rezoning and Development is another key indicator of real estate prices increasing. Spend some time today to look at the master plan for your state and figure out where the next growth sector or area is going to be. Where infrastructure and development and progress is seen, prices of surrounding property will increase commensurately and thus your real estate investment will also ride the trend.
In addition, look for the presence of good schools, access to highways and other subway rail stations. All these amenities will boost the price of your real estate investment when compared to the rest of town.
In conclusion, spend some time indoors looking at the district master plan, the state reports on development and then take a walk outdoors to walk the target area to observe how the town and place is developing. Spend some time networking with real estate agents who will know the latest scoop on how the town is progressing and where new developments are and then combine all this knowledge into a step by step masterplan for your real estate acquisitions. Empower yourself today and take massive action to reach your real estate investment goals.

As in any type of market, real estate investment is a delicate dance of supply and demand. With investment real estate in Mexico, the supply side of the equation is simple as there is only a finite amount of land. However, there is a complicated network of factors that determine the demand.
Factors such as physical landscape and the size of the lot play an obvious role in sizing up the potential demand of a piece of investment real estate in Mexico. Other factors like the tourist popularity of the location, the availability of water and electricity, the amount of work that must be done to the land in order to get it ready to live upon all enter into the equation.
The ideal combination of factors when hunting for investment real estate in Mexico is an undeveloped lot, prepared enough to include a water and electricity solution, in an area that is classically beautiful and budding in interest. This is precisely why the Costa Maya has become a big name in investor circles.
Landscape of the Costa Maya:
The area known as the Costa Maya is a 57 mile strip of Caribbean coastline along the southern tip of the Mexican state of Quintana Roo. The coastline of the Costa Maya is the classic Caribbean image, boasting hypnotizing blue oceans, white smooth sandy beaches, and luscious green tropical foliage. Real estate in the Costa Maya is in the form of gorgeous unspoiled lots that are guaranteed buildable. The area has recently been the focus of a massive government revitalization project for the purpose of making it attractive to foreign investors.
Tourist Popularity in the area:
If you’ve heard of the Mexican state of Quintana Roo before it’s because this is the home of Mexico’s most popular tourist destination Cancun and the investment hotspot Playa del Carmen where thousands of foreign real estate investors made big profits over the last 10 years. Tourism is one of Mexico’s top revenue streams, much of which is derived from this area of the country.
Availability of Water and Electricity:
As part of the revitalization project, the Caribbean beachfront lots in the Costa Maya have been set up for water, electricity, and fiber optics. The highway that runs south through the Costa Maya has recently been renovated, drawing even more attention to the area. While most of the land is still raw and inexpensive, the area shows signs of serious growth. There are 3 airports nearby, marinas, a cruise ship dock, beachfront shopping and a professional golf course.
Building on the land:
Like all investment real estate, those who can see the potential of an area and then build upon it stand to make much more than those who look for prepackage solutions. While the land in the Costa Maya must be paid for in full, many US banks are now offering home loans for investors to build homes in Mexico. Many investors will choose not to build on the properties and instead hold onto the land and sell it as the demand for the area rises. In a blossoming area like the Costa Maya, either option is lucrative.
There are numerous opportunities for investment real estate in Mexico, but not many as exciting as that in the Costa Maya. Demand factors in the area mimic that of Cancun in its early years of development not that long ago. Today beachfront homes in Cancun sell for upward or $1million US compared with lots in the Costa Maya selling for as low as $65,000.

For small-time real estate investors, managing the "behind the scenes" aspect of the property investments can become a hectic mess. Often, the small investor does most of their property management tasks themselves, making it easy to get behind, lose receipts, forget about a ledger, and have leases spread out among their home office. To help one get organized, below is a list of five tools that every small-time real estate investor should consider to efficiently operate their small empire.
1.) Home Office - First, every investor should have an office in their residence. A home office is indispensable for concentrating on the business when one wants to without being disturbed by their surroundings. It serves as not only a place for concentration and thinking, but also for a means of organization and the feeling that one actually does have a business.
2.) Spreadsheet Software - This is not a must, but can make a property owner's life so much easier. Microsoft Excel is by far the most popular spreadsheet software and allows the user to automate powerful calculations, keep a computerized ledger, and easily calculate small ratios and income figures. Plus, it makes backing up one's data (ledger) extremely easy. To back up one's spreadsheets, simply copy them to disk, CD, or another hard drive (try backing up an actual ledger that easy, it isn't going to happen).
3.) Ledger - If one isn't going to computerize their ledger, than they must carry an actual ledger. This is the book that all debits and credits are posted in, and becomes a key in figuring out tax deductions at the end of the year. These books cost about $10.00, and are worth their weight in gold during tax time.
4.) Lockbox/Safe - A lock box and safe obviously helps safeguard important documents, but the real reason that this is a necessity for one's real estate business/investments is that it is a great place to store keys to the properties that one owns. After acquiring more than a few properties, keys can become a real hassle to organize and safeguard, so label the key rings and throw those babies in the safe.
5.) Filing cabinet- This is beside ledger in level of importance, a real "must have" for any real estate investor. As much as we love computers; leases, deposit forms, rental applications, and other vital property management forms are not going to be stored on a computer; at least yet. It is often recommended that one get a filing cabinet and man it with two folders for each property they own. One for tenant info and another for property financial information. Also, in addition to those folders, keep one folder for storing all info of previous tenants.
With the above five tools, there is no doubt that the small-time real estate investor/owner will be successful in efficiently running their business while making their life less stressful.

Investors world over have taken Land Investments, UK in a big way because investing in plots of land for sale is simple and hassle free as compared to buying a property. Now people know that investments in property incur high maintenance costs before they see any actual returns, whereas, land investments require a much smaller outlay, involves too little or no maintenance costs at all and may remain untouched yet still experience considerable rises in value, and once planning permission is permitted, the returns are as much as 300%.
The concept of Land Investments in UK is proving to be a popular investment choice because of the scarcity of land and rising population & increased need for more housing that is pushing demand for land investments in UK ever higher.
Although land in the UK is being protected from development for many years, but now the local and state governments are accepting that the requirements for new housing and development is so great that it is unrealistic to keep many of these restrictions in place.
Tony Blair once pointed out that the demand for new homes is so great that it would be irresponsible to rule out specific tracts of land for development and that there is a requirement for additional housing, and if decisions weren't faced on that, the people who will suffer will be generations to come, particularly first-time buyers. Thus, keeping the land & housing scenario of UK in view, investors are inclined for investing more in land than any other alternative option like stocks and equity investments.

One of the most common challenges for new—and sometimes even for experienced—real estate investors is getting deals funded. When you’ve got a great deal and you’re having trouble finding the money you need to close it, you may be tempted to take a loan with terms and conditions that will work against you. There may be times when this is an acceptable strategy—and times when you should walk away from the loan, even if it means walking away from the deal.
When you see one or more of the following red flags, think carefully and explore all your options before you accept the loan.
Higher than normal fees. There are fees and costs associated with originating loans that are an acceptable part of the borrowing process. Watch for fees that are excessive or hidden. Do the arithmetic yourself to be sure everything adds up correctly.
Higher than normal interest rate. If you have less-than-perfect credit, you can expect to pay a slightly higher rate than someone with a top-notch credit rating—but it shouldn’t be exorbitant. Know what the going rates are; if the lender is asking for more than six percent above prime for a first mortgage loan, look elsewhere.
Prepayment penalties. Don’t put yourself in a position of losing a substantial amount of your profit through prepayment penalties if you want to refinance in a year or two or if you sell the property.
Extra services you don’t want or need. Some lenders will bundle things like life or disability insurance into your loan. Not only is this the most expensive way to get such coverage, if you don’t want or need it, you shouldn’t be forced to buy it.
The contract includes a binding mandatory arbitration clause. This means that you give up your rights to sue for any reason and instead agree to binding arbitration—which means you could lose your right to due process if a dispute arises.
Upfront fees. If the lender wants any money upfront, especially before you’ve been approved for the loan, be very cautious. Legitimate lenders make money by making loans—not by soliciting applications and collecting upfront fees.
Anything you don’t understand. Mortgage loans can be complicated, especially if you’re considering products such as an adjustable rate or interest-only loan, or one that might result in negative amortization. Be sure you’re clear on all the terms and that you know what the payment will be, how often it might change, how high it can possibly go, and what will happen if your payments are capped but the interest rate is not.
There may be times when it’s worth less-than-desirable loan terms to get your deal done. For example, you may be willing to pay a higher interest rate because you know the property will generate enough cash flow to cover the debt service. The key is to understand the terms of the loan along with the advantages and disadvantages, and make a decision that will allow you to build wealth and achieve financial success.

Finish this sentence: “I’d like to invest in real estate, but ____________.”
If you said, “I don’t have the money,” bestselling author and internationally recognized real estate expert Russ Whitney has the solution.
“There is no question that it takes money to invest in real estate,” says Whitney. “But keep in mind that it doesn’t have to be your money. If you have a good deal, you’ll find the funding.”
Whitney, who is the CEO of Whitney Education Group, Inc. and author of several bestselling books including Millionaire Real Estate Mentor (Dearborn Trade Press), The Millionaire Real Estate Mindset (Doubleday), and the revised Building Wealth (Simon & Schuster), says that simple partnerships are a great way to invest in real estate.
“There are plenty of people who would like to invest in real estate, but they don’t know how and they don’t really want to take the time to learn or to do the work,” Whitney says. “If you bring them a good deal and present it well, they’ll be happy to use their cash and/or credit to fund the deal, let you do the work, and you split the profits.”
Think you don’t know anyone who has enough money? Think again. You probably know dozens of people who have money in retirement accounts and who would like to see that money earning a higher yield than mutual funds provide. Many high-income professionals—doctors, lawyers, accountants, engineers—are looking for strong investments that will provide a level of long-term security their jobs do not. Whitney says that if you’re shy about asking these people to invest in your project, use an indirect approach. Simply tell them you have a great deal, you’re looking for a partner, and if they know of anyone to please pass the name along. If they’re interested, they’ll ask questions—and if you have the right answers, you’ll have your funding.
According to Whitney, the key to successful partnerships is a clear and comprehensive written agreement. “You want to clearly state who is responsible for what, who has the authority to do what, and how the profits will be divided and paid,” says Whitney.
A more sophisticated approach to funding is syndication. While the term might sound complicated, Whitney points out that it really is nothing more than bringing together a group of investors to accomplish a common venture. “Syndications build on the principle of strength in numbers,” says Whitney. Keep in mind that some types of syndications and other methods of raising money from outside investors are regulated by state and federal governments, so you should discuss your plans with an attorney before proceeding.
The key to successful syndications is preparation. Whitney advises creating a comprehensive business plan for the project before you approach any potential investors. “You need to demonstrate that you know what you’re doing, that you’ve considered all the risks, and that you know what the rewards are likely to be,” Whitney says. “The plan should spell out who is going to be passive and who is going to be active in the venture, as well as how and when the profits will be distributed.” You don’t need an investor you expected to be passive jumping in and trying to run the show—and you don’t need an investor saying “where’s my money?” six months into a two-year project. A clear business plan and syndication agreement will help prevent that.
Getting your first partner will likely be the most challenging, but once you do a deal and the partner makes a profit, you’ll have no trouble finding other investors for your partnerships and syndications. “When you make your investors money, they’ll be lining up to give you cash for another deal, and they’ll tell everybody they know about what you did for them,” Whitney says. “The best way to find investors is to satisfy the ones you have.”
A business plan for a development project should include:
- An executive summary that captures the essence of the project.
- An overview of the project that provides a detailed description of the market opportunity, the financial objectives, the legal form of organization and ownership, the management team, the financing basis, and timetable.
- A detailed marketing plan.
- A comprehensive financial plan that includes all appropriate financial information so investors can make an informed decision.
- Any necessary supplemental documents, including tax reporting requirements, risk identification, employee-related regulations, licenses, taxes, zoning, reporting requirements, etc.

After the technology bubble burst back in 2000 the stock markets suffered a bleak period of decline and investors chose to place their focus on bricks and mortar rather than falling share prices and they began investing heavily into real estate.
As a result the second home and the buy-to-let real estate markets in many countries around the world such as in the UK, US and Australia boomed. However, as the real estate affordability gap continues to widen in these nations and fewer first time buyers can even get onto the first rung of the real estate ladder, property price increases have begun to cool off and the ability to generate impressive rental yields and strong capital appreciation has slowed right down for at least the short term.
At the same time the stock markets around the world remain volatile and so now many more investors are looking overseas for alternatives to cooling domestic housing markets and bumpy rides on the stock market. Many are finding that there's an abundance of real estate opportunity in emerging countries around the world which has created a strong demand for real estate finance overseas.
For those considering joining the jet-to-let real estate investment set here are the three main options available when it comes to raising real estate finance, loans or mortgages to buy property abroad.
1) In many of the nations that were the first to boom the property markets are now stagnant and because lenders have fewer customers to provide finance for they are actively targeting those who have yet to upsize, release equity or take out a second mortgage and offering them increasingly favourable terms, conditions and interest rates.
For anyone thinking about buying real estate overseas in a country where they believe it will be difficult for them to secure local finance or where interest rates are unattractive, the option may exist for them to re-mortgage their existing property or take out a loan secured against the equity in their primary residence.
The negative side of this option to raise real estate finance to buy overseas property is that the purchaser's primary residence will be the security against the loan and naturally this introduces an element of risk.
2) The second option available to buyers looking for real estate finance overseas is getting a mortgage locally in the country in which they want to buy. Some countries such as Spain, Germany and France for example offer attractive interest rates and payment schedules to buyers from other European nations and many countries offer mortgages to international purchasers who can provide a decent sized deposit.
Anyone thinking about buying abroad would do well to also research which banks and lending institutions exist in that country, whether they are allowed to lend to foreign buyers and if so, are the criteria for getting a loan and the terms and conditions of the loan favourable?
3) The final option available to the majority of real estate investors looking to finance the purchase of a property abroad is an international mortgage provided by an international lender who usually has experience in the country from which the borrower heralds and also in the country in which they wish to invest which can make the whole finance process so much simpler…but the downside is that arranging such mortgages can be far more expensive than the first two options available to those contemplating their real estate finance options.
The availability or applicability of any type of mortgage or finance raising scheme discussed in this article is something that needs to be determined on an individual basis therefore this article does not constitute advice. Anyone hoping to raise finance to purchase real estate overseas should seek expert financial advice.

Many overseas investors are looking at the potential for investing in UK land.
Land ownership in the UK can give high returns, and also offers low risk - making it a solid investment for long-term capital gains.
Here we look at the opportunities of investing in UK land - and some of the pitfalls to avoid.
There are three basic categories of UK land, and there are opportunities countrywide for land investing:
1. Brownfield land: Generally found within urban areas - land that had previously been used, i.e. it was residential, industrial or commercial land.
2. Greenbelt Land: This land Green belt forms a buffer zone around urban areas - to provide open space.
3. Open Countryside: This land is free of all development. Which Category Is Best?
The UK Government says that a record 70% of all new building is now on Brownfield land. This percentage is regarded as unsustainable.
To continue to build on Brownfield land will lead to congestion and over crowding in cities - and put a strain on infrastructure and services. This means that more and more development will occur on greenbelt land - despite the objections of conservationists.
So, Why is Investing in UK land considered such a Good Investment?
It’s simple supply and demand - with demand for land higher than ever for building purposes - and it’s leading more investors than ever before to invest in UK land.
Here are the six main reasons for growth:
1. Up to 3,500,000 new homes are needed over the next 15 years - increasing to 4,500,000 new homes needed over the next 20 years.
2. Over 90% of houses in towns throughout the UK are unaffordable for first time buyers.
3. The UK is one of the most densely populated countries in the European Union - and the UK also has the biggest influx of migrants from abroad.
4. The UK has some of the oldest housing in Europe - and a shortage of affordable housing for first time buyers.
5. Since 1970, the demand for new homes has increased by approximately 35% - but house-building rates have dropped by 55% in the same period.
6. Since 1997, the UK Government as increased the average number of new homes built per hectare from 25 to over 40
Making Profits by Investing in UK land - and a Caution!
Investing in UK land is all about finding the right location - and this means obtaining land for which planning permission in the future looks a strong possibility.
There are many companies out there who can help you - but be careful - only choose companies that have a track record of buying correctly.
Remember, if the land does NOT get planning permission, then you won’t make big capital gains.
Be Aware!
There are many companies selling worthless land at inflated prices – and telling you the land is bound to get planning permission!
When investing in UK land watch out for the scam artists - and seek out the long established companies.
Investing in UK land is all about taking a long-term view, and finding the right locations. If you do get the location right, then your profits can be stunning.

Times seem to be changing in "Land Investments Uk" after the Kent Land Scams, Sussex Land Scams and London Land Scams, owe to the initiatives taken by the people of Sussex Farmland, that now companies have started refunding to the dissatisfied customers, which means, that if you are unhappy with your investment in Land you will be refunded your investment amount. There was a time when people of Sussex Farmland were afraid of scamsters and they were making money while being in the broiler rooms. As the idea of an investment thrills the investors' mind with lots of returns, scamster were chasing the concept to flourish their business.
Companies now offer Land at competitive prices and are ready to refund the full amount in case the customer is dissatisfied and doesn't find it a good investment avenue.
Furthermore, as awareness is increasing with the "Land Investments UK" people are getting an idea what to buy and where to buy from, scamsters are basically getting chaffed away.
Government also seems to be in the process of taking this whole process into consideration as this concept has been brought up into the Parliament of UK.
But as the expansion of London continues the buying may not stop and land continues to provide an investment opportunity

Investing in property has long been seen as the ideal investment for earning long-term wealth. A vast plot of land bought for $50,000 in the 1950s could be worth as much as $10 million today, depending on the location of the property and other characteristics of the land.
Apart from anecdotes such as that above, property investment has been popular for numerous reasons, amongst which the ability to leverage and borrow at low cost and for its perceived lower correlation with the state of the economy. Leverage, in particular, is highly attractive to investors. For a million-dollar investment property, one needs to put down a small downpayment of 10-20% of the cost of the property (this varies depends on location-specific regulations). Along with this, we also observe that the cost of borrowing funds for property is far lower than the prime rate charged by banks for other collateralized loans. Investors leverage up to purchase the property, rent out the property and use the rental to repay the loan instalments. If all goes well, they own the property after 10 years.
2005-2006 has seen a boom for high end property in Asia, reminiscent of the heydays of the late 1990s.
However, one of the downsides of property investment in this form is the illiquidity of one's asset. In simple terms, this means that the piece of land or apartment or bungalow is not easily convertible into cash. Selling off an investment property would take easily more than a few weeks and it could be another few months before the transaction is completed and money is received in the bank.
The other disadvantage of property investment is the indivisibility of the investment. One buys a condominium apartment; he or she cannot easily sell off 10% or 20% of the property to raise cash as there is no ready market for investments in this form.
In recent years, financial innovations have emerged in the investment space, providing investors exposure to property and overcoming the two disadvantages described above.
Real Estate Trusts - in some countries, this is called a Real Estate Investment Trust. In this structure, a company commonly purchases commercial buildings and takes over the management of rental and maintenance. The assets are then placed in a trust and units in the trust are sold to institutional and retail investors. The income received from the rental is then distributed to unitholders after deducting management fees and other relevant costs. Real estate trusts can also comprise residential buildings, but this is less common and higher risk as rental rates are more volatile.
The real estate trust enables investors to get in on property investment without having to come up with a large amount of money, as the units in the trust are usually bought and sold on a stock exchange. For as little as a thousand dollars, investors get to hold a share in a portfolio of property investments.
Trading on an exchange also enables units of the real estate trust to be easily exchangeable for cash, as these units trade frequently.
The other benefit of this structure is that yields are more easily projected due to the long term contractual nature of commercial leases. This is not necessarily true for residential property.
The one disadvantage of this, is that investors do not get the benefit of substantial leverage, nor do they enjoy the lower cost of borrowing that comes from buying a property. In addition, there is no physical asset being owned, as the investor owns a right to the distributions of the asset, the sentimental among us might want to touch and feel a live physical building.
Lately, we have seen unit trusts specializing in property investments. In most cases, the fund manager reviews the universe of investible property trusts and selects those that fit his criteria. A property trust might also comprise infrastructure trusts and shares in property development companies.
Such property trusts and property unit trusts have done well in the last year and are gaining rapid popularity. Time will tell if they continue to realize the early promise shown.

Mention “real estate investing strategies” and the first thing that typically comes to mind is buying and selling. But a strategy often overlooked and underutilized is the option—and the smart use of options can generate some fast and impressive profits.
An option gives the buyer the right but not the obligation to buy—but the seller is obligated to sell. Combine the option with a lease, and you have an excellent tool to use when you have a motivated seller with little or no equity in the property, or one who doesn’t have time to wait for the traditional sales process to run its course. Instead of buying, you lease the property with an option to buy. That gives you control of the property and lets it generate cash for you—but you don’t have to own it.
The rate of residential foreclosures in on the rise in many parts of the country. A pending foreclosure for any reason is just one of many situations where lease option strategies can be used. Other situations include sellers seeking debt relief or facing personal situations such as a divorce.
“Lease options are a great way to get started investing in real estate, especially if you have little or no cash,” says Michael Van Horn, an advanced trainer with Wealth Intelligence Academy™. “Options let you control property without having to buy it, and you can profit at every step of the process.”
Why do people use lease options instead of an outright sale? Owner/sellers are likely to consider a lease option when they need to get rid of the property but do not have enough equity to sell immediately through traditional methods. For example, if the property has mortgages of up to 95 and even 100 percent of its market value, the seller would have to come up with cash to pay a real estate agent’s commission. On the other side, buyers who have flawed credit, who may need time to come up with a down payment, or who want to “test drive” the house or the neighborhood are all candidates for a lease/option deal.
One of the most common option strategies is the sandwich lease option, which works like this: You lease a property with an option to buy in three years. You find a tenant/buyer who leases the property from you with an option to buy in two years. When the tenant/buyer is ready to close, you exercise your option, buy the property and sell it to the tenant/buyer.
There are, of course, possible variations. You can use different time frames. You can assign your option to the tenant/buyer or to another investor. You can buy the property instead of leasing it, and then sell it with a lease option arrangement instead of putting a traditional tenant in the house.
“Tenant/buyers are much more attractive than traditional renters,” says Van Horn. “You can set up your lease so that the tenant/buyer takes care of a lot of the routine maintenance. Also, because tenant/buyers expect to eventually own the property, they are much more likely to take good care of it and make their payments on time.”
Van Horn recommends focusing your lease option efforts on desirable neighborhoods—generally, working-, middle-, and upper-income areas. These are the areas where potential tenant/buyers want to own homes. Also, remember that lease options can work on multi-unit buildings as well as single-family homes. “If someone wants to get rid of a small apartment building and is having trouble finding a buyer, he may be willing to lease option it to you,” Van Horn says. “You get into the property for a smaller-than-normal down payment and you benefit from the cash flow while you’re working on the financing over a year or two or more.”
Laws regarding real estate options vary by state and it’s a good idea to check with a real estate attorney in your state to be sure are in full compliance with all applicable regulations when you put together a lease option transaction.

There's no other business that can make you as much money, with as little start-up cost, in as little time, as investing in real estate. In fact, more millionaires have made their fortunes in real estate than any other business. And you can do it too! You can make money in real estate, even if you're inexperienced and you've never owned real estate before! A friend of mine made a fortune in real estate, starting from scratch, with no experience and no help from anyone else. Her name is Nicole and here's how she does it.
Nicole began by buying a repo, which allowed her to purchase the home far below it's actual value. Nicole was able to perform some minor repairs and cosmetic improvements to the home and then sold it herself. At closing, Nicole had made enough profit to buy a second repo to which she also made cosmetic improvements. Nicole then flipped her second repo for a profit of $32,000! After the sale of her second house, Nicole was able to quit her job and focus on her new career as a real estate investor full time. And all of this happened in less than seven months! If you are wondering how you can have the same success as Nicole, continue reading. Nicole has a secret that virtually insures her success!
First, Nicole looks for properties that need only cosmetic repairs, avoiding any homes that require structural work. Nicole performs all of the work herself or hires a handyman to help her with the larger jobs. Nicole renovates the property inside and out which includes painting, landscaping and upgrading fixtures, etc. before selling the property herself for a hefty profit.
And now for Nicole's secret. Nicole is able to realize a hefty profit on each property, because Nicole is able to purchase her properties far below their market value! And finding homes that you can purchase far below their actual value is not as difficult as you might think, if you know where to look! Every month thousands of properties become repossessed by banks, state, federal and private organizations through various seizure and bankruptcy laws and these properties could be purchased at a fraction of their actual value!
The secret to Nicole's real estate investing success is that Nicole is privy to a comprehensive directory of homes that gives her access to to repossessed homes which she can purchase for a fraction of their actual value. This virtually guarantees Nicole's success, and this list is available to everyone, including you!
Thanks to this valuable information Nicole is now living her dream as a real estate investor. Imagine the success you could achieve in real estate investing with this valuable information! There's no better time to start than now!

Wholesaling is the strategy of finding great deals – and then passing those deals on to another investor for a quick, cash profit of $5,000 to $10,000 in 30 days or less. And best of all, wholesaling requires very little cash (less than $500) and no credit (since you never need to apply for a loan).

Basically, a wholesaling deal works like this: you find anxious buyers who are willing to sell their 1-4 family properties for a below-market price. You put the property under contract, then assign the contract for a fee to a cash buyer who wants to renovate and sell or fix and rent the property for a profit. You make a fast profit with no tenants, no rehab, and no loan.

Wholesaling is by far the simplest, quickest, lowest risk, and lowest hassle way to make money in real estate - when you know the rights strategies for finding properties, attracting buyers, and getting to the closing safely. The Real Estate Goddess Guide to Wholesaling will guide you through these steps and more in a simple, easy-to-understand way that will boost your wholesaling career into the stratosphere!

The Real Estate Goddess Guide to Wholesaling Is For:

* New investors who want a strategy that lets them make money without the risks of owning property

* Experienced investors who want to profit from deals they’d normally pass up due to location, condition, or lack of time

* Landlords who want to generate cash to pay off their rentals faster

* Any investor who needs to generate quick cash for downpayments, renovation, personal reasons, or just to play with

The Real Estate Goddess Guide to Wholesaling Covers:

* The 10 best ways to find low-priced properties

* How to appraise properties right

* How to inspect and estimate repairs

* What to offer to guarantee your profit

* How to find eager cash buyers for your deals

* How to get to the closing and get paid $5,000-$10,000 cash without a dime out of your pocket

* How to be an ethical wholesaler

* How to minimize taxes on your wholesale deals

Home Study Course Includes:

* 100+ page manual

* 9 hours of CDs from the live seminar

* CD-Rom with all the contracts and forms you need to wholesale

* 6 month subscription to The Real Deal Newsletter

One Year Money Back Guarantee

You have nothing to lose. If you buy the materials and use them as outlined step by step, we guarantee you'll make at least 10 times your investment. If you don't, just send the materials back in like-new condition for a full refund of the purchase price. Thank you.

This is THE system and authority to get your phone ringing with a consistent and steady supply of motivated sellers. Almost every conceivable technique, application, and knowledge about how to successfully get your phone ringing is within this system.

My name is Scott Rister, and those of you who know me and are familiar with my previous versions of cutting edge and "real world" marketing techniques will right now become VERY excited because I'm about to reveal to you the last marketing system you'll ever need that is so packed with innovative outside-the-box niche techniques that there's no way one investor could possibly do them all. Quite simply, this is the standard of authority on real estate marketing.

I'm a real estate investor just like you, who at one time got sick and tired of corporate America determining my net worth and providing an illusion of financial security. Through years of doing things both wrong and right, I was able to break the chains of a J-O-B into full-time real estate investor status.

I will now show you totally innovative outside-the-box techniques along with the technology of today so that you too can Find All The Motivated Sellers You Can Handle!

Just What Does It Take To Become A Successful Real Estate Investor?

You may know 1000 ways to close a deal, but if its not a truly great deal then you have absolutely NOTHNG! See, if you just want to be talking to sellers then take out the FSBO section of the paper along with your rabbit's foot and good luck. However, if you want to maximize the best use of your time and see REAL and positive financial results then you absolutely must have a bona fide marketing program.

How can you start generating all that business with the phone ringing off the hook?

Very, very simple...

I'll provide you with a complete turn-key system consisting of, without a shred of doubt, to be the most step-by-step detailed system to get truly motivated sellers contacting you. Some use the term "system" loosely but NOT ME! I take it very seriously and have developed for you a model in which only one technique included in this powerful system closed 70 deals in 9 months for me in one time alone and continually keeps me financially secure with more deals that I even want to handle. However, I’ll be revealing to you EVERY idea, technique, opportunity, and technology known so great deal after tremendous deal finds you!

This is a no-holds barred guerilla marketing system for ALL levels of investors no matter what your experience is. If successful real estate investing was as easy as taking out an "I Buy Houses" classified and asking a few Realtors to bring you great deals... then there wouldn't be anyone working regular jobs!

With my complete system you'll get so many truly motivated sellers calling you --- you'll need assistance to handle the volume of business you can generate. Let me take the opportunity to qualify that statement to erase any doubts you may have.

Four Reasons Make This The Absolute Best System...

Reason One: Probably just like you at one time, I used to focus on all the "creative" buying techniques. Then, I'd scan through the newspaper and talk to a bunch of people trying to convince them to accept my terms, etc. ...but they wouldn’t and it was very discouraging. Dealing with unmotivated sellers was like beating my head against the wall. It was like trying to put a square peg in a round hole fitting my creative buying techniques with people wanting all cash and retail value for their properties.

Perhaps, just like you, I only read about others doing lucrative transactions by dozens. It all changed for me when my focus in real estate shifted to implementing a system where truly motivated sellers FIND ME. Literally overnight I started getting dozens of calls and was picking and choosing those precious gems with better profit margins between the overload of deals coming my way.

Reason Two: This is a complete marketing system that is not put together by someone who deals in theory. Nothing could be farther from the truth! In fact, if you were in my market place, you'd be seeing me day in, day out doing deals while you'd be scratching your head trying to figure out where and how I got all these profitable deals "working" at it such minimal hours that I'm almost embarrassed to mention. I've walked in your shoes before selling out with years and thousands of hours doing it the hard way seeking great deals like looking for a needle in a haystack. But now come walk in my shoes to learn the most cost-efficient and effective techniques to get truly motivated sellers calling YOU!

Reason Three: The reason my program will work for any real estate entrepreneur is simple. I give you so many effective guerilla marketing "weapons" - there's no way you can try even a part of them and fail to get results. Real estate markets are different from city to city. This is why the sheer amount of innovative techniques you'll have armed with today's technology will make you successful no matter where you live. I don't give you one line to fish with... I provide for you an entire fishing boat!

One thing is for sure - whether you're a brand new beginner operating on a shoe-string budget or an experienced real estate investor with substantial money to invest in your marketing - I most definitely have specific marketing tools for you that are guaranteed to drive your real estate business to greater success.

Reason Four: This is the 3rd version of the most popular system and 5,000 previous users support the "real world" applications and techniques you'll soon learn. It's a no-holds barred approach to give you more resources and applicable techniques than any one person can possibly implement.

The "Holy Grail" of Real Estate Marketing is Found!!!

I do not take it lightly making the statement that these are by far the best marketing resources available because I offer you many, many proven and niche techniques to elevate yourself as an elite real estate investor. In addition, I'm also offering you the technology of today that is guaranteed to have no equal.

Here is a glimpse of what you'll receive in my comprehensive system:

TWO of The Most Unbelievable Text Manuals! (3rd version has TWO manuals!)
I strongly hesitate to use the term "text manual" because this is so, so much more. I have spent years assimilating this cutting-edge information and into a format that simply put is one scalding hot idea after another guaranteed to blow you away!

It doesn't stop there! You will hear and feel the passion I have for showing you step-by-step how remarkably easy it can be to literally have more deals than you can or want to handle. Let me sum this up entirely by saying it is ALL about working smarter…and not harder.

Even though it can't even come close to describing the content, just click on the following link to get a glimpse of what you'll soon be learning in detail.

Click Here To View The Table Of Contents!

But wait!!! I'm just getting started because now I'm going to reveal to you the last resource you'll ever need for direct mail.

NEW 3.1 The Ultimate Direct Mail Software (2.0 version now with "Prospect Grabber")
This 3.1 Version of "The Ultimate Direct Mail Software" has NO EQUAL!! Direct mail is just one marketing medium I teach in detail, but let me be quite frank in saying that it is my absolute favorite and probably most effective.

What you're about to view has been developed by a successful real estate investor for real estate investors…..not Realtors, not Mortgage Brokers, not for any other source other than creative real estate investors. You see, your average response rate passes 80% upon the fourth contact or more and you need a system to where you don’t have to think about what to say, to whom, when to mail letters/postcards (or both) because the system does it all for you!

Picture is worth a 1000 words right? Take your time and view all the amazing features of this new 3.1 version of the software and now with one-of-a-kind added feature of "Prospect Grabber"!

Click Here To View Features Of This Awesome Software!

Comprehensive Audio
You'll also be thrilled to know that this marketing system includes a complete audio CD series. You'll hear me speak personally to you on getting truly motivated sellers contacting you. Whether you're driving in your car or at home, this powerful learning tool will motivate you to be set on the pathway of success developing a bona fide successful marketing campaign personalized for you.

NEW 2.0 Marketing "Budgetizer" (NEW 2.0 version of "Budgetizer" software)
One more truly astounding aspect of this entire marketing system is also yet ANOTHER custom software system. The 2.0 "Budgetizer" is a powerful tool to make sure you’re getting the absolute maximum return on your marketing dollar investment. Just look at a few of the features listed here.

Click Here To View Features Of This Awesome Software!

Forms & Documents
I'm also including a custom Forms disk so you can reproduce all the documents you need saving you thousands of dollars and time. You'll be receiving my copyrighted documents on disk. Soon you also can print out fliers, door-hangers, and many other documents vital to you becoming the king or queen of your real estate market!

Is This All For Real?

Whether you're an experienced real estate investor, or someone just starting out, you may be wondering how well my system could work for you. Let me just be very straight and to the point is that its designed for ALL levels of real estate investors.

One thing is certain - the system I'm about to offer you WORKS!

It's been extremely effective and profitable for me. Even with a corporate job at the time five years go I started using only a fraction of the techniques I now offer you and it resulted for me 72 deals in nine months. You can experience the exact same results and more if you're ready to implement a life-changing system to realize your financial goals in life.

You'll Get At Least 10 Times Your Money's Worth!

There simply is NOT any "comparable" marketing system but many other basic real estate materials sell for a double, or even triple of what I am offering my complete system for. And many who have taken a peek at this system agree that I'd be crazy to even offer the text manual alone at this price. The techniques and ideas with “real world” applications are that awesome! I just think its ridiculous for people to think they have to spend thousands of dollars on seminars, boot-camps, and all that other stuff only to realize that it still ALL STARTS WITH MARKETING TO FIND THE DEALS!

Also, think about the countless hours of time you'll save by using my customizable direct mail software alone that will automate all of your routine tasks of getting in touch with motivated sellers. Those sellers who will give you a great deal on their home that could make you $5,000, $10,000, $20,000+ and being able to replicate it over and over again will make your real estate business a money machine.

It only happens with truly motivated sellers and that is exactly what this system is about. If you're looking for marginal deals then this system is not for you. This is designed for homerun no-brainer can't lose deals on a repetitive basis!

However, I believe the greatest value of the material is in the fact that I'm offering you a complete marketing system! By using it, you'll get a flood of phone calls from many truly motivated sellers. With some prescreening the way I will teach you, this will translate into profitable low-risk (to no-risk) deals and bottom-line money in your account by maximizing the best use of your time and marketing investment dollars.

In Summary, Here Is The Complete System...

Let me just summarize once again exactly what is included so you will have no doubts and be completely aware of this one-of-a-kind must-have system to get your real estate business buzzing with truly motivated sellers:

TWO Text Manuals - To absolutely honest I can't stand labeling this as "text manual" but I’m doing that because it is what most are familiar with. This written information will transport you into the world of totally innovative and many never before known techniques and how to apply them in your real estate market for financial success. Years of market and research along with nothing more than "gumption" getting out there making deals happen is what I'm extending to you. This is taking you all the way from one end of the learning curve to the extremely profitable side.

NEW 3.1 version of "The Ultimate Direct Mail Software" (includes "Prospect Grabber") - Make no doubt, if you want to be making GREAT deals skipping all the marginal ones then this is a must-have! This is the technology of today and you won't ever again have to wonder what you should say, to whom, and when you should say it. This is Direct Response Marketing personified that are the keys to the kingdom for motivated sellers!

Comprehensive Audio - This is me taking the personal approach to make sure no stone is left unturned so that you will be equipped with the knowledge to be successful in real estate. In this CD audio series you'll hear exactly why I'm passionate about teaching others to become full-time real estate investors or either taking your existing business to one that is truly elite.

NEW 2.0 version of the “Budgetizer” Financial Software - Knowing where you’re getting the maximum return on your marketing investment will all be at your fingertips with this custom software. Being able to fine-tune your marketing system will be a necessity and this program will assist you in making the right decisions on where to place those marketing dollars for maximum response rates.

Forms Disk - You don't have to pay ridiculous amounts of money to have quality graphics for production of fliers, door-hangers, and so much more. This copyrighted material is yours to reproduce for your own personal use to get that phone ringing off the hook with motivated sellers.
Your investment in my comprehensive marketing system is:

So you're looking for a new house or a lot for sale on which you can build your dream house. You know you need to enlist the aid of a real estate agent. Here are some tips that will help you find the right one.

The first thing to remember and, ironically, the most important thing for a lot of people, is that your real estate agent will not be working for you. That's a common misconception. No matter who the real estate agent is and how close your personal ties may be, the agent's primary objective is to sell a piece of property to you. In fact, his income depends on that sale. The larger you pay for the property you want, the bigger his commission. Bear that in mind: it is in the real estate agent's interest to make you spend more.

Sometimes we become really comfortable and open with sales people that we share confidential matters that can have huge bearing on a potential sale. For instance, you may tell them that you are desperate for a piece of property because you have to move out of your old house within a week. This lets your sales agent know that they can sell the property to you at a high price. As a general rule, don't let anyone know how much you are willing to pay for a new house or lot.

Oftentimes, the first question that a real estate agent throws at you is precisely that: how much are you willing to pay? It's an old ploy so don't fall for it. In response, simply state the price that you want to pay and, if they ask again, tell them that's the ceiling. Add that if the seller does not agree to that price, then there is nothing to talk about and move on. Chances are great that a serious seller (or buyer, for that matter) will immediately turn down a prospect upon hearing the first bid. In all likelihood, a serious buyer or seller will negotiate and explore options.

Finally, don't let your real estate agent choose the lawyer who will write up the property agreement, precisely because the agent is trying to sell you something. It would be far better if you selected your attorney yourself.

The globalization of real estate has opened up many avenues for investors, institutions, investment funds and high net worth individuals. The development of private property ownership, real estate has become a major area of business. Buying and selling real estate requires significant amount of knowledge and investment. Each parcel of land has its unique set of characteristics, so the real estate industry has evolved into several different fields. The price or market value of real estate, although generally tends to increase over time, is highly volatile and erratic.

Arizona has evolved as one of the fastest-growing, most dynamic economies in the nation. Both fortune 500 and start-up technology companies call Arizona home, reaping the advantages of a competitive business climate and tax structure; a skilled, knowledge-based workforce; and world-class innovation, cultural and scenic resources. This is great news for investors in Arizona real estate because they can just about have their pick among the type of Arizona real estate in which they would like to invest.

The Arizona real estate market is growing in the sale of both single-family homes and condos. The condominium market tends to be a bit riskier for investing because there are fewer condo sales than there are single-family home sales. On the other hand, investors who would rather receive their payback in monthly rental income rather than in one large lump sum often prefer condo investments.

In the last decade, there has been a huge influx of people moving into Arizona. More people means greater demand for housing. Naturally, real estate investors are seeing a great future ahead. Investors who seek single-family home investments for Arizona real estate will usually have an advantage. That’s because these investors will likely receive a higher gain from buying houses, touching them up to increase their market value, and then reselling them at a later date.

Many economists have been predicting for the past year that the real estate market in major Arizona cities is about to burst. However, despite that, Arizona real estate has continued to grow. And the history of Arizona real estate has shown that it is better to buy now and sell later rather than to wait and see before jumping in the investment game. It is the consultant’s opinion that future growth in Arizona will largely follow established development patterns and will be guided by existing development regulations. With a few exceptions, it is generally believed that recent development trends will be a reasonable predictor of future development over the coming years.

Most people deal with an estate agent while buying or selling property. Arizona is home to many prospering real estate agencies. They provide many useful services and work with you in different ways. Real estate agents usually offer other optional services such as arranging mortgages and surveys. Since the median home price in the major cities in Arizona is rising right now, it is best to hold Arizona real estate for one or two more quarters before selling in order to receive maximum gain.