The Easiest Way To Make Money In Real Estate

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Calvin Sparks
5 years ago
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2 The Easiest Way To Make Money In Real Estate

3 Introduction Here we go You re interested in making money in real estate. That s why you re reading this report. I know your goal You want a better return than what s out in the market right now. Am I right? The banks are paying crap on a CD or certificate of deposit (less than 1% the last time I looked) the stock market is too risky government bonds you might get 2% on your money and corporate bonds, forget about it (you might never see your money back) So you re looking for a better return on your investment and you re thinking about real estate. It s a great choice. Real estate generates an outsized return on many investments but it takes work. Lots of work sourcing deals, closing deals, financing, repairs, tenants. Like I said work. So what do you do if you don t want to work that hard? What do you do if the thought of a tenant calling at 2am about a clogged toilet doesn t make you happy? If the idea of driving to house after house, looking at what s on the market, putting in multiple offers and spending entire days filling out paperwork, puts you to sleep! If the idea of doing a fix and flip is comical maybe your carpentry skills aren t strong or the idea of you doing plumbing is laughable

4 If you just want to invest and get a solid return and let someone else do the work, you ve got to find another way. Here it is How To Capture The GAINS Of Real Estate Investing Without Any Of The STRESS. There s an easy way to get strong returns, be invested in real estate, and not have to look at homes, deal with tenants, or pick up a hammer or a paint brush It s called Private Real Estate Loans. What s that mean? It means that you become the bank! Profits from investing in real estate come easy to the banker when was the last time you saw your banker pick up a hammer or take a call from a tenant about a clogged toilet? Never, right? Your banker doesn t do any hard work of finding deals or dealing with repairs or maintenance or improvements or tenants. Yet, banks are one of the most profitable parts of the American economy, in good part due to the real estate loans they make. As a private banker you control the cards. You call the shots and write your own ticket! What do I mean by that? Let me first introduce a man you should meet:

5 A Key Player In The Real Estate Industry The man I want you to meet is The Fix & Flip Real Estate Investor. This man is hard working. He s out looking at trashy, dups of real estate every day. Once he finds one with profit potential, he negotiates hard to buy the property as cheaply as possible. Then he gets to work. He starts cleaning up the place, he paints, he installs new flooring and cabinets, and tile sometimes he remodels or adds a bathroom or bedroom or a new roof and landscaping. He s doing the hard work He s buying a house fixing it up and then flipping it to the next homebuyer. But our fix and flipper has a problem. Banks won t lend to him. Maybe it s his credit, or the fact he doesn t have a W 2 or maybe it s because the banks are not interested in helping the little guy. Or maybe he s already got 2 other deals in the works and he needs the money for a third or a fourth. Whatever the reason, our friend the fix and flipper doesn t have the money he needs to buy the property. And sometimes he needs more cash to fix it up. You as the BANK can loan it to him. Just think of the benefits

6 Your partner the fix and flip guy gets the money he needs. You get HUGE returns on your invested dollar. When you invest with our fix and flipper you get something other investors don t normally get you get the ability to charge a high interest rate. You re not earning some paltry 2% or 3% on bonds or 0.5% on a bank CD No way. You re making 5%, 8%, 10%, maybe even 12% on your money. But that s not all. Remember the last time you got a mortgage from the bank? Weren t you shocked by all the fees and costs that went along with it? You paid the doc prep fee, a lending fee, an origination fee, an approval fee, a send a man to the moon fee! Ok, maybe I made that last one up, but you get the picture. Fees are everywhere and you were paying them. Now, as the bank, you get to charge your borrower a fee. It s called a loan origination fee. It s a fee you get just for putting the loan together. How much is it? It can be nothing or 0.5%, 1%, 2% I ve heard of these fees being as high as 3%. That s money you get to put in your pocket on day 1! Instant profits and think about what just happened. On the first day of being a private banker you earned more on your money in one day than a traditional bank would pay you on a CD in an entire year. But that s not all. In addition to the loan origination fees, you get to charge interest. That s the price a borrower pays to get the money you re lending them.

7 Conservatively let s just say you charge 5% (though I ve heard of loans as high as 8%, 12% and even 18%) Now you re lending money out at a great rate which is more than you d get on government bonds corporate bonds, savings accounts, most dividend paying stocks and anywhere near the bank! I know what you re thinking Lending money to a fix and flip guy it looks really profitable but, is it safe? I ve got a simple answer for you YES. Think about it this way, you ve got three levels of protection with your loan. First, you ve got the real estate as security. So, worst case scenario, if the fix and flip guy doesn t make good on the loan, you take back the property. Second, you ve got the Equity Cushion Let s say the property is worth $100,000 on the market But, you re going to be smart about making a loan to our borrower. You want to make sure he s got ownership in the project. You want to make sure he s tied to this house flip he s got to have a VESTED INTEREST. So what do you do? You only loan him 50% or 60% or 70% of the property value. He s got to come up with the rest So, when you make the loan, you make 100% sure the home is secured by the real estate. If he doesn t pay, you get the property! But you don t just get the property you get a house worth $100,000 but you only loaned out maybe $60k, or $70k.

8 If you do the math, you ll quickly see, as the private lender, you might make more money if the fix and flip guy fails to deliver! You never want to cheer on failure, but it s security for you. What s the next level of protection and security? The third is a personal guarantee. You get the guarantee of your borrower, so if he does run if he does fail to deliver, you can go after him personally. If those three ideas around the safety of your investments aren t enough, I don t know what is those three levels of protection are more than you get with almost any other investment! Now is real estate investing the holy grail is it truly risk free? No of course not. Anything in life can happen the house can burn down, the flipper can quit halfway through the job, they might find a superfund site on the property. There s risk in everything You want to be careful about making sure you invest in the right deals. You want to pick the right people to work with and you want to do your own due diligence. This can t be overstated. You must do your own due diligence. You must do the research, check the numbers, and review the property. You wouldn t buy a stock without studying the company don t lend money to real estate guys without studying the deal. At the end of the day if you invest carefully, you ll come out way ahead of the horrible rates you get with other investments.

9 Putting This Real Estate Investment All Together Are you starting to see what I mean by you control the shots you can write your own ticket? If you act as the lender, you get to decide who you work with... and what deals you re going to invest in. You ll be able to pick and choose the safest investments with the biggest returns and make more money than ever. Now keep in mind I ve only introduced you to one real estate guy the fix and flipper. There are tons of others out there there are buy & hold guys, cash flow guys, conversion guys, development guys, apartment guys, duplex guys, single family home guys For every type of real estate investment out there, you can find a special deal, and a guy looking for money. and willing to pay for it. So what s next? How You Can Get Started Investing As The Real Estate Bank. What s the easiest way to get started doing this type of investing? You first find someone already doing this kind of lending and you invest alongside. It s great quick way to learn the business and see the minefield without losing a leg. You also want to start small and work your way up the ladder. Funding a 3 million dollar apartment complex as your first deal is much much more risky than funding a $100,000 house.

10 And doing a deal 100% on your own is much more risky than doing a deal with other investors. Finally, you want to focus on an area you understand and know. Does that mean you have to live there? Of course not but you might want to visit, or at least study the area so you can understand the market dynamics. Just make sure you do your due diligence! Do You Want To Invest Along Side Me? Now, I ve been investing in real estate since mid I ve done all types of deals and worked with and learned from guys doing multi million dollar deals. Right now, I m working with numerous types of real estate deal guys looking for cash. I m also working on my own deals and looking for investors. If you want to look at some of the deals I m looking at and working on Just let me know and I ll show you what I ve got. Maybe we can invest together Why would I do this? I m not doing this out of the generosity in my heart. First, there s safety in numbers if I take all my money and put it in one deal, and it goes sideways I take a big hit. But if I put my money in 10 deals and one goes sideways, it s a much easier situation to deal with.

11 I can t do 10 deals alone and you probably can t either so like I said Safety in numbers. Second, I m greedy. I ve got a vested personal interest in these deals. Some of them I m putting together myself. And with access to additional capital, I can do more deals and do bigger deals. So, I m selfish go ahead and criticize me at least I m honest about it! Third, I know other real estate people who have deals. They need to find investors like you to get their deals done. If I get a group of other investors to work with me, I ll get to see more deals, bigger deals, better deals. It s that simple. Finally, I know everyone has a different risk appetite. I m very conservative I don t like to do super risky deals, even if there s big money in it. Maybe you re just like me or maybe you want to take on more risk you might be looking for bigger returns it makes sense the deals I think are too risky, might be perfect for you! By working together we can help each other out! Let Me Make You A Special Offer Here s a special offer if you re serious about making more money investing in real estate and you want to potentially partner with me, then shoot me an . But first a warning I can only work with Accredited Investors.

12 So If you re not an accredited investor, I m sorry, but we can t work together and I don t want to waste your time. Second, only contact me if you re serious. If you re serious, I ll send you some info on my next deal and you can take a look. Please don t be a tire kicker or just fishing for information. I m happy to talk with you and help you out in any way I can, but please respect my time it s incredibly valuable. If you want in on my deals, contact me via e mail: Real.estate@hypfin.com I look forward to hearing from you! Brian Real.estate@hypfin.com P.S. I m working on another more detailed report on real estate investments, and I ll send it your way when it s done!

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