You won’t meet too many individuals like me in the mortgage industry. I did not get into this business just to sell loans or give rate quotes all day long. Many loan officers are just after a commission paycheck and want to sell you a loan and a rate. You will most likely never hear from them after the transaction. I do not think this is how you build a future. I do believe that "Attitude determines your Latitude". I want to share my passion with you to help you BUILD A BETTER FUTURE.

I got into this business to show YOU what Real Estate is all about. Mortgage has nothing to do with a rate. Mortgage is thinking outside the box. You need to build your equity as fast as possible and make your money work, to retire wealthier. You need to secure your retirement because I am afraid that in 20 or 30 years, Americans may have to work till they are 70 or 80-years old. YOU NEED TO BUILD AND SECURE YOUR FUTURE NOW.

I am not trying to tell you that tomorrow you are going to be a millionaire through Real Estate investments. (Although I hope it can happen to you). This is not a get-rich-quick scheme. I do not believe that you need to read tons of books or should spend $2,495 to attend a Real Estate seminar and simply be seduced by expert sales pitches who swindle out hundreds and sometimes thousands of dollars out of people’s pocket.

I do believe we all wish to be financially free and I truly think that Real Estate is the perfect vehicle that can help you achieve financial freedom, secure your retirement and help future generations. Investing is a smart move, as long as you understand and manage the risks. If you dump all your money in bank accounts that pay little if any interest, you’re likely to fall short of your goals.

It is true that those smart individuals who invested wisely in Real Estate years ago are living a very comfortable lifestyle. Investing in Real Estate wisely can bring a lot of money. If you had bought a home in CA in 1999 let’s say for $150,000, today you would have probably made $300,000 to $500,000 in equity. Individuals like YOU, all across the country have capitalized on the Real Estate market over the past few years and some made a fortune. You could have sold that property let’s say for $500,000 and have $400,000 in cash. Then you could have bought 3 properties worth $250,000 each and put $100,000 down on each and rent them. Your mortgage on each property would probably be around $1,000 and you could easily rent them $1,200 to $1,500. You’d still have $100,000 in cash in your bank account since you only reinvested $300,000. HOW EXCITING!!

No one hears about how much money one can make investing in Real Estate. That’s probably because it is a little well-kept secret. If everyone knew about it, everyone would be doing it, right?

Investing in Real Estate requires time and efforts. You need to deal with a vast array of tenants, good ones as well as bad.

Just like a business, you also have to deal with operating and fixed expenses such as plumbing and electrical bills, as well as renovation costs.

On the other hand, I don’t have to wear a suit and tie all day, or clock in everyday and deal with mean co-workers, bitter managers or ungrateful business owners. You see, to me, that’s awesome. My dress code consists of shorts and a tee-shirt 6 to 9 months out of the year.

If I want to go out of town for a few days, that’s not an issue. I don’t have to ask for vacation time. While I’m out of town, my rents keep ticking away 24 hours a day, 7 days a week, whether I’m working or not. And those loans keep amortizing. I just love the lifestyle and I am sure you can appreciate that.

Please don’t think that this is hard to accomplish. You just need to take it one step at a time and I guarantee you that you will experience the same lifestyle others have achieved. You do not need to be a brain surgeon or the smartest guy on the planet to live a better lifestyle, you just need to be open minded and I will help YOU achieve financial freedom. TAKE 15 MINUTES to read my monthly newsletter and other materials I will mail you and YOU will understand how easy it is to secure your future retirement, I GUARANTEE IT!!!!!

If I can show you how to SAVE TENS OF THOUSANDS OF DOLLARS on your mortgage, the interest you won’t pay to your lender will stay in your pocket and you will be able to implement strategies which I strongly believe will secure your future retirement and will also give you the lifestyle you’ve always dreamed of.

1. Cash Flow

Cash is the difference between your income and your expenses on a piece of property. You can have a positive or negative cash flow. Obviously, you’ll feel a lot better if the cash flow is positive.

Some people prefer to reduce debt as quickly as possible and sacrifice a little, and keep a negative or zero cash flow. My advice on cash flow is this: Never use all of your positive cash flow with rapid debt reduction. You will be walking a thin line. By keeping a strong positive cash flow, you will have more options and space to maneuver.

2. Appreciation

Appreciation is the increase in value of a property. There are 2 kinds of appreciation. The first is from economic conditions beyond your control, such as inflation. But you wouldn’t gain much from this type of appreciation since the gain is offset by the higher cost of living.

The second kind of appreciation is market appreciation. This kind of appreciation, you can control. When you improve a property (through home improvement), you are, in effect, forcing its value higher. You can purchase a piece of property in need of repairs and bring it back up to neighborhood standards or slightly higher. This will give you a property that is much higher in value.

3. Leverage

Leverage is the ability to borrow a percentage of the value of a piece of property. Real estate, in comparison to other investments, offers a very high degree of leverage. In some cases a couple buying a single family residence can obtain 100% financing. This allows individuals to purchase Real Estate with little or no money. What other investments offer such a high degree of leverage?

4. Amortization

With leverage, or the use of other people’s money, comes a repayment schedule. Your outstanding balance is being reduced with every monthly payment you make. Part of each payment goes to interest, and part of your payment goes to principal. The principal reduction is called amortization reducing your debt. Hence, amortization can make you wealthy slowly and steadily.

Owning real estate with the goal of making profit allows you to deduct interest payments and other expenses come tax time. But, don’t be fooled into buying Real Estate for the tax advantages; purchase Real Estate because it makes sense to you.

Owning a Real Estate business is a great way to achieve your financial freedom. What could be more worthwhile than taking up Real Estate as either a full-time business or even a hobby? The benefits are endless.

Once you realize that unlike the stock market, investing in Real Estate is for the long haul, you can begin to develop your plan of action. Here is a list of the important things that you should consider:

Don’t wait until you have a deal in the works to find a supporting team. The idea is to get the competent professionals on your side. And by bringing them repeat business, you can bargain for better prices. You need to get the following players on your team:

Real Estate Attorney: One that specializes in Real Estate deals for himself as well as others.

Title or Escrow Company: Don’t deal with big name companies; find one that specializes with Real Estate investors.

Insurance Agent: Just like the Escrow Company, find one who specializes in Real Estate investors and who understands land contracts, landlords, and so on.

Contractor: Always deal with one who offers free estimates and knows how to "cut corners" in the right places.

Mortgage Broker: Find one who is creative, savvy and experienced in dealing with Real Estate investors.

CPA: Look for an aggressive individual who owns Real Estate himself.

Sound Partner: Sometimes you have limited resources such as cash flow or experience. This is where you might need to bring in a partner.

Mentor: Someone who’s been in the business for some time now and knows how to smooth out the rough spots, or who can give you wise advice for sticky situations. Maybe even a potential partner.

I personally recommend that a novice Real Estate investor begin with single family homes, because they have the two biggest players in the market. Whereas apartments only have investors playing in the market, Single Family Residences (SFR) have both investors and owner occupants. For this reason, financial institutions feel more comfortable lending a higher percentage of value on the property.

1. Buy and Hold Strategy: The starting point for most investors. The goal is to purchase the house with the sole intent of renting it. For this method to be successful, you must purchase under some set price and terms that allow for a healthy, positive cash flow. The rent has to be higher than the mortgage payment.

2. Buy Low-Sell High Strategy: Purchase a home located in a neighborhood with high sales activity. Make the necessary cosmetic and structural repairs and then sell the house for a higher price.

Keep in mind that the purchase price must be low enough to allow room to cover your repair costs, holding costs and resale costs... plus, leave room for a healthy profit.