CashFlowExperts.Biz

How much ROI is good enough.

I tell clients to use business lines of credit to pay off personal debt so they can improve their credit score.

Kelly nolen (realtx429@yahoo.com)

My clients often ask me - if I am using business lines of credit and business credit cards to invest in real estate or pay my personal bills - how do I make the payments on those business lines of credit while I am waiting for my real estate profits to arrive.

Well, here is an example -

I take a $50,000 cash advance from one of the many lines of credit I get using my Ultimate real estate investor‘s system which can be found at:
www.cashflowexperts.biz/ultimate

Then I deposit that cash into a checking account.

I use another $100,000 business line of credit to pay off my personal credit card debt.

Every month I use a few hundred dollars of the $50,000 balance in my checking account to make the monthly payments on my other line of business credit.

If I pay off my personal debt - my credit score goes way up and it becomes easy to make more money as a real estate investor.

So in this real life example - you can see that I never need any of my own money to do this.

That is why I call this amazing investing system The Ultimate Real Estate Investors guide.

Because I am the only real estate investing expert that has created a trademarked system for getting unsecured business lines of credit to buy, rehab and flip property for a big profit!

You need to learn the new investing techniques that I can share with you in The Ultimate Real Estate Guide!

You don’t need income, home equity or great credit to get up to $200,000 for real estate investing if you follow my simple 4 step system.

Look at how I help you get up to $200,000 at,
www.cashflowexperts.biz/ultimate

Here is a great example -

If you had a $30,000 cash down payment saved up to buy a good real estate deal - here is what the profit might look like if you bought it like a traditional cash buyer.

Lets assume that you held it and sold it in 4 month. Here are some normal expenses.

$2500 Conventional Mortgage interest.
$500 Misc. exp. Like utilities and lawn care.
$7000 Rehab cost for paint, carpet, Landscape, Etc.
——————–
$10,000 in expenses.
$25,000 typical profits on a rehab and flip.
——————-
$15,000 net profit

If your short the $30,000 down payment it takes to buy a good real estate deal and you take that cash off a line of credit with an interest rate of 15% - what is the cost of that money? About $2250 interest on a $30,000 business line of credit

Lets use the same assumption that you held it and sold it in 4 month. Here are all your expenses when you use a business line of credit to invest in real estate.

$2250 interest on a $30,000 business line of credit that gave you the down payment money.
$2500 Conventional Mortgage interest.
$500 Misc. exp. Like utilities and lawn care.
$7000 Rehab cost for paint, carpet, Landscape, Etc.
——————–
$12,250 in expenses.
$25,000 typical profits on a rehab and flip.
——————–
$12,500 net profit

That is ONLY an additional $2250 in expenses to buy real estate the ULTIMATE way.

So if you do not have the CASH right now to do this deal you would be out of luck and miss out on $12,500 in profits!

Learn all about The Ultimate Real Estate Investing Guide at,
www.cashflowexperts.biz/ultimate

 Gene (genetermite@aol.com)

This contractor horror story could save you thousands of dollars.

I’ve renovated a lot of houses, and the hardest part of the real estate business is dealing with contractors.

More money is lost in this one area of real estate than any other mistakes.

Here are some tips for you to…keep in mind when you work with contractors on your next real estate project.

1.You MUST have everything in writing. And you MUST use a SCOPE of  WORK written agreement that spells out exactly what your expectations are for the project.

A. What is the schedule for each phase of work and when will project be completed.
B. Cleaning to be done - and when.
C. Progress payments to be made and by what standard of completion.
D. What debris will be removed and when.
E. Will there be a penalty for not meeting the deadline of the project’s completion.

I buy houses in foreclosure and they have junk left in them when I buy them. I want my scope of work order to make it clear that ALL junk must be removed NOT just the construction debris.

2. It is not a good idea to hire contractors based on TIME and MATERIALS cost. I want every thing to be bid up front in writing.

steven kozmary (kozmary@kozmary.com)

If unforeseen issues are possible, you can allow them to be added to the FIXED BID as time and materials to be APPROVED by you in WRITING.

A contractor may tell you how you will save money if he bills for time and material instead of a fixed bid. DON’T DO IT. Get a bid, you will pay less than letting them work on time and materials.

3. Don’t always take their word for it. I mean just because a licensed contractor tells you your hot water heater needs to be replaced does NOT make it so.

I had a hot water heater that just needed a $50 thermal couple install so that it would make hot water again.

Try the simplest solution first. Most times your car won’t start, it just needs a jump - NOT a new engine.

I have had 3 contractors bid from $3000 to $6000 to fix a code issue in a house. And the 4th contractor I met with BID it for $700 total and it passed inspections with flying colors!

4. Pay contractors quickly when the work is done and the job is clean. You get the best service when you pay FAST.

Don’t ask them if they offer a CASH discount. Most contractors have accountants doing their books and they pay more taxes than any other business person I know.

And don’t make the mistake of investing in real estate without a CASH based system to give you unsecured lines of credit for all your money needs. You can get my trademarked money system @
www.Cashflowexperts.biz/ultimate

Many of my students found this single, one hour call to be life-changing! Aside from being a mother & son real estate investment team, what makes them
more incredible is they generated $1 Million in real estate profits in their first 93 days…

Listen to our 60-minute money-making call by clicking here right now @
http://www.cashflowexperts.biz/interviews/Bwozny-replay04bw.html

On this exclusive interview replay line, Brad & Mary showed my students to make
money in real estate anywhere, at anytime, and like me - how to do it without your
cash or credit.

Below are a sampling of just 5 questions covered on the call.

1. What the easiest way to get started in Real Estate with no money, Bad credit, and
without a partner?

2. How do you go about scheduling a simultaneous closing when you put a purchase
contract on a property, and then assign the contract to another buyer?

3. I would like to get my son and nephew (ages 16/15) involved with my business…how
did you start together and how should I involve them?

George (gowood@ev1.net)

4. As a newbie, what is the quickest way to start making money in real estate with out cash?

5. Can you share your expertise on pre-constructed Real Estate? I own my own home
and have limited funds to invest. What is the best way to finance this property and how do
you know if a deal is on the level?

And many more…click here and listen to the call now @
http://www.cashflowexperts.biz/interviews/Bwozny-replay04bw.html

Communication in a partnership is vital to your success. And the value of having a partner is that it allows you to both learn specialized knowledge, divide your time spent on the business, and leverage each other’s resources to accelerate your paths to financial freedom!

I’d like to point out something equally as important as well.

Brad & Mary’s powerful system, and their methods of investing as a family are so unique, that they’ve been endorsed by none other than NY Times Best-Selling Authors and Entrepreneurs Mark Victor Hansen (co-creator of Chicken Soup for the Soul Series), and Robert G. Allen (co-Author of “Nothing Down” and “Creating Wealth”).

What is the key to getting better returns on your money?

You should start by getting money to move faster. The velocity of money will create more CASHFLOW.

If you want to win at the game of LIFE and have financial freedom - cash flow is the key.

You need to know how to use a small amount of money invested in an asset that pays you back a good return each month or a great big payday in a few years.

But success in this game does not come by climbing a ladder. You must learn how to LEAP not climb.

LEAP stands for Learning Entrepreneur Acceleration Principals.

If you want to have true financial freedom you had better learn how to LEAP not climb some old fashioned ladder of success at some corporate dinosaur.

Look around you - there is no such thing as job security and the government has said “Read our lips, you are on your own when it comes to your social security plan.”

You are living in the DO IT FOR YOURSELF ECONOMY!

So if you really want to reach the American dream of financial freedom, the fastest way to win the cash flow game is learn how to leverage business lines of credit for investing instead of trying to use your own CASH.

That’s why all real estate investors should get several UNSECURED new business lines of credit and use them to invest in assets that give you a big payday or a good monthly return.

And you should always get more lines of credit than your immediate cash needs in order to win the cash flow game. Then put the excess cash in your checking account and season it. This is the only way to be ready when those juicy real estate deals come up suddenly.————————————————-

And you should always get more lines of credit than your immediate cash needs in order to win the cash flow game. Then put the excess cash in your checking account and season it. This is the only way to be ready when those juicy real estate deals come up suddenly.————————————————-This idea may be new to you, but you just need to learn 2 very important things.

1. The interest rate on the lines of credit you use is NOT important.

You are using the money to invest in a piece of real estate that you can add huge value to.

Then you get huge passive tax deductions in most situations. And these tax savings will put real cash in your pocket. That alone may net you a 25% return on your money. Not to mention the appreciation you will enjoy!

Daisy (daicab@yahoo.com)

2. Borrow more than you need so that you have lots of extra cash on hand to use when those great real estate deals fall into your lap.

So many investors tell me stories about the real estate deal that got away because they could not come up with the cash fast enough.

In fact I like to tell people stories about the guy that I gave $6000 in cash inside a shoe box to buy his house from him. The last time I saw him he was walking out of the 7-11 store with soda, smokes and that shoe box of cash under his arm.

He had an immediate cash need that I solved for him and he gave me a very good deal on a house he could no longer afford.

So my advice to my clients is - BE READY.

Go get my trademarked investing system that shows you were to get the cash at, www.cashflowexperts.biz/ultimate

Here are some other useful tips for anyone that wants to win the cash flow game -

Did you know?

1. It’s better to get an installment loan than a HELOC type of real estate line
of credit. It’s the same money but it can really hurt your credit score
if you do it the wrong way.

2. The easiest way to remove errors that are hurting your credit
score is to buy your report and dispute errors online at websites like www.Equifax.com

3. You can get a big increase in your score by finding a credit ANGEL to list
you on their credit.

4. It is easy to make your personal debt disappear off your credit report if you follow my
system and set up new business lines of credit.

Sincerely, Thomas KishPresident of CashFlowExperts.Biz, Inc.