Lower your Risk with Due Diligence. Presented by Socorro Curiel
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1 Lower your Risk with Due Diligence Presented by Socorro Curiel
2 Types of Investments Real Estate Promissory Notes Gas and Oil DPP / Business Stocks and Options Land Contracts Gold, Silver, and other Metals
3 Why do Due Diligence? Take Responsibility for your own investments Get well educated on what you re investing in Passive vs. Active Investing Management of your Risk Avoid Investing Frenzy
4 How much Due Diligence is enough?
5 What Loral Says 1. Data 2. Discussion 3. Discovery 4. Diagnosis 5. Decision The goal of due diligence is to put yourself in a situation in which you know as much as possible because this knowledge can help you reduce risk.
6 Agenda Business Education Number Analysis Location Review Property Inspection Investigate People Review Documents Words of Wisdom
7 Business Education How is this business conducted? Get in the conversation of investing Read books and e-books Go online and do research Attend workshops and webinars Take an expert to lunch Paper Trade to learn trading Get in the streets and walk through properties Knowledge is your best defense. Learn everything you can about investing before you write a check. - Socorro Curiel
8 Number Analysis Is there a high probability that by investing in this asset, you will meet your financial goal? Follow the Money Return on Investment (ROI) Cash Flow Analysis Capital Gains Analysis
9 Number Analysis Follow the Money How will you make money Where does the money originate? Are conditions good for this business? Who else gets paid? What is the probability of a Cash Call?
10 Number Analysis Return on Investment (ROI) How much cash will you put in? How much cash will you create? How long will it take to make this money? ROI = Cash Created = % Gain Cash Put In.
11 Number Analysis Cash Flow Analysis Cash Flow Analysis Monthly Expenses (PITI-MUMV) High Taxes High Insurance High Tenant Turnover Property Management Verifiable Income Potential Rental Market Analysis Economic Conditions Emergency Reserves
12 Number Analysis Capital Gains Short Term Capital Gains Analysis Estimating Rehab or Repair Costs Estimating After Repair Value Calculating Your Profits Paying your Taxes Long Term Capital Gains Analysis Expected Holding Time Market indicators Return on Investment
13 Location Review Is there a high probability that this investment will perform as anticipated given its location? Economic Indicators Neighborhood Crime Rate School District Comparable Prices
14 Property Inspection Is this structure in the same condition as presented to you? What repairs are needed to allow this investment to perform? Title Clearance Price Quotes for Major Repairs Estimates for Minor Repairs
15 What are MAJOR repairs? Roof Replacement Cannot be assessed with snow on it Electrical Upgrade Fire Damage may cause the melting of electric wires Foundation and Structure Issues Includes termite damage Windows Replacement Most Concrete Work
16 What are MINOR repairs? New Flooring Carpet, Vinyl Tile, (not Ceramic Tile) Patch and Paint on wood Hauling and Cleaning Plumbing Fixtures Carpentry for repairs Minimum labor
17 Kitchen Upgrade (minor)
18 Kitchen Upgrade (major)
19 Bathroom Upgrade (major)
20 Investigate People Who holds the checkbook? Past Performance Show me the MONEY Personal References How long have you known them? Background Check Online self-research Paid research What are your Recourses?
21 Review Documents Real Estate Contracts Purchase and Sale Property Management Promissory Notes Secured or Unsecured Private Placement Memorandums LLC Operating Agreement Who controls what? Who are the players?
22 Words of Wisdom
23 Take Your Time! The deal of a lifetime comes around every 2 weeks.
24 Emotions have no role in your Investing
25 No one will ever love your money as much as you do.
26 Please visit us at: Presented by: Socorro Curiel
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