Cashflow Express - Realty411's Financial Newspaper Is Here

Ca$hFlow
EXPRESS
Vol. 2, No. 3, 2015
Passive Income for Today & Tomorrow
PRICELESS
TVs Favorite Fix & Flip Family

Tarek & Christina from HGTVs Flip Or Flop
Exclusive by Tim Houghten
Unconventional advice from

Tarek El Moussa on being on
top versus having a flip flop.
cooping a few minutes with

the busy star of HGTVs Flip
or Flop reality show, Tarek
El Moussa, we managed to get his
latest tips on what it takes to stay on
top in Californias hot housing market. Its not what you would expect
Flip or Flop
Tarek and Christina El Moussa
are the celebrity house flippers on
HGTVs hit show Flip or Flop. The
Orange County, Calif., real estate
power couple are rapidly becoming
some of the best known personalities
in the business.
Having been in for the ride since before the last bubble burst, these two
real estate pros bring a fresh and raw
perspective on what it really takes to
win in one of the hottest markets in
the country, no matter what wrenches
are thrown in the works.
Real Estate can be a
White-Knuckle Ride
In our exclusive interview with Tarek
El Moussa we discover some of the
unconventional, atypical advice and
tactics it takes to succeed behind the
scenes.
If anyone should know what it
takes, it is Tarek and Christina. Press
coverage of the OC couples new Flip
Advantage Education seminar series
reveals that when the market flopped
Tarek went from selling multi-million dollar California mansions like
hotcakes to trading his Benz for a
Honda, and a $6,000 per month mortgage payment for sharing a $700 per
Randy Reiff, CEO of FirstKey Lending
Tarek and Christina El Moussa, from HGTVs Flip or Flop embrace their daughter, Taylor Reese El Moussa.
For two long years Tarek admits it was a struggle to pay

the bills. In 2007, El Moussa recalls putting in 12-hour
days with no paycheck coming in for about 4 months.
month apartment.
For two long years Tarek admits
it was a struggle to pay the bills.
In 2007, El Moussa recalls putting in
12-hour days with no paycheck coming in for about 4 months.
This may not be a level of transparency that most real estate gurus are
comfortable with, but it is this level
of authenticity that is needed to impress upon newcomers what it really
takes to win in real estate year after
year.
So how did Tarek manage to beat
the worst recession and housing

crunch most of us have lived through,
and how is he making sure he is never
forced to downsize again?
What do Tarek and Mark
Cuban Have in Common?
While in the past El Moussa has said
there is an element of stepping out and
being willing to take risks to achieve
rewards in flipping houses, he tells
me that what got him through the dip
was I refuse to fail, and commit-
ting to outwork and out-study the

competition.
This echoes of recent Mark Cuban
remarks that success isnt about who
you know or how much you have to
start with, but your willingness to go
the extra mile.
Being a big advocate of education, how does Tarek recommend investors beef up their knowledge and
expertise? Seminars, books, magazines, and attending investor clubs.
Continued on pg. 8
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Green Energy Growth Creates

Investor Opportunities in
Challenges in the
Electrical Grid
Hydro Power
by Dave Franecki
ew Englands electricity prices are

directly impacted by
weather conditions,
the regions extreme reliance on
natural gas supplies, and the
cost of oil and demand. The environmentalists and the current
administration are targeting the
1950s and 1960s era coal and
oil plants for closure to meet
new pollution control standards.
in the next year, according to an

analysis by consultants at Competitive Energy Services. While
prices are rising throughout New
England, the analysis shows
Maines unit price for natural gas
is about two-thirds higher than
New Hampshire and ten times
the price in New York. Wholesale
electricity prices are a function of
fuel prices. Shortages in natural
gas spikes pricing, which also
increases the wholesale price that a
hydro facility can command. There
is enough generation capacity but
an acute shortage of natural gas to
fire the electric plants. There is
plenty of natural Marcellus shale
gas. There are four pipelines currently in New England (all west of
the Hudson River). A fifth gasoline is needed, which
the shippers will not fund. There is no quick fix; this
will take several years to remedy.
Numerous utilities across New England have announced electricity rates that are some of the highest
in the history of the continental United States, and
its a problem thats expected to get worse before it
gets better. The problem is that on the coldest days,
there just isnt enough space in the pipelines to go
around. So when the temperatures drop, demand
rises and electric plants bid up the prices, easily five
times higher on certain cold days.
The reason that supply is constrained at times of
extreme cold is because heating demand gets first
dibs on any natural gas pipeline capacity. Whats
Nuclear plants are also casualties of the same

effort. Without this much needed capacity,
production is very expensive. These closures are
creating huge problems for Northern New England, in particular New Hampshire and Maine.
The only current potential generation source
is natural gas fired generation. Last year, natural gas provided 52 percent of New Englands
electricity, and that share is expected to grow.
Gas is generally cheaper than other energy
sources. About 30 percent of the generators in
the New England region burn coal and oil but
they produce less than one percent of the energy
because they run so seldom.
New England is the most vulnerable to overreliance on natural gas, caused by a shortage
of pipeline capacity. Since 2010 demand has
outpaced delivery capacity of gas infrastructure.
The underlying issue in New England is that gas
pipeline capacity is inadequate to keep prices
steady in times of high home heating demand.
An ISO-NE (Independent System Operators of
New England) study concluded that reliability is
intertwined with price.
The constraints are also affecting industrial
natural gas customers, who are expected to see
prices for fuel jump by more than 60 percent
Co-published by Realty411
Continued on pg. 8
CashFlow Express Page 3
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Hall in Culver City. Fast forward to the present and our company has hosted
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EXPRESS
EXPRESS
regularly unite an exclusive group of veteran real estate leaders. We plan on
expanding our events even further. My goals are lofty: I envision some day
hosting international real estate conferences this is precisely how much I
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enjoy and believe in the power of networking.
Passive Income
forSpring
Today & Tomorrow
FREE
Contents
2015
Contents
- 2014 Manifest a
It is a pleasure and privilege to meet the readers of our numerous publicaInvestors
Learn How to Create
Stock Investors
Manifest
a
Learn
How Flip
to Create
Stock
15
Five
Land
Trust
Stories
1 Meet
HGTVs
or
Flop
Family
hat our
a perfect
time
tions. We produce
quarterly
glossy Realty411 magazine, with Real Estate
Market WealthOffers
Today
Cashflow
Mindset
12 & 18 AttractMindset
Private Lenders
1 FirstKey
MarketLending
Wealth TodayOptions Cashflow
to
look
back
at
Wealth as an alternate cover. We have separate distribution and websites for
13 Investing in Texas Land
3 Green Energy Opportunities
4 Publishers Welcome Note
the previous
12
each. The 100-page
glossy is available
at no charge at selected grocery stores,
16 The REI Roadmap Tours
months
and
re15 The Investment Lab is Open
5 The Millionaire Maker Returns
and will soon be available in bookstores across the country.
flect on all of the outstanding
18 Tax Advantages & Multifamily
6 Solar Advantages for Investors
Next, we
haveyear.
our REI
a digital and interactive issue spe16 Incorporate a Business
6 Management Tips by Pam Texas
moments
of the
It's Wealth
also Monthly,
in your Meetup Group could end
cically designed
online enjoyment.
It was created for the Apple News19 Get Started as a Rehabber
10 Crowdfunding Comes of Age
important
to take for
an honest
look
up
being your next private lender
21 & 23 CashFlow Resources
7 Out-of-State Investment Advice
stand
by
Noland
Araracap,
a
San
Diego-based
technology
enthusiast.
Next,
of
at
some
of
the
mistakes
we
may
or
business
partner.
One just
never
20 From Zero to $20K Monthly
11 Setting Probate Goals in 2015
24 Scenes from Our Expos
9 Rehab with Andrew Cordle
have
made
along
the way.
course,
is our
newspaper
CashFlow Express,
which is directly distributed at
knows!
26-29 Mingle & Connect with Us
14 North Dakotas Oil Boom
If you
notand
add
some and
realat selectedChances
our
live did
expos
mixers,
real estateare
events
support
that that
you we
picked
up
26 How to Avoid Capital Gains
10 Q-n-A with Zinc Financial
estate
to
your
portfolio
in
2014,
this
issue
of
CashFlow
Express
at
and sponsor around the country.
depending
on
where
you
live,
this
one
of our real
expos
around
For the rest of the year, in addition to
expanding
our estate
calendar
of live
exlack of activity could mean missthe
country,
so
I
want
to
congratupos, we will continue to expand our media and marketing company with spePRESIDENT
FOUNDER
PUBLISHED
BY
FOUNDER
ing out on a strong momentum
late you for taking the time out of
Nikolaos
K.
Pliagas
Linda
Pliagas
Realty411
cial
print supplements
and
new online websites. We just completed our rst
Linda Pliagas
of
appreciation.
While
markets
PUBLISHED
BY
info@realty411guide.com
your busy day to join us. We realADVERTISING
pliagas@msn.com
Private
Money 411
andthat
are starting
It is our
Realty411
Magazine
EDITORIALSTAFF
STAFF
differ
according
to Special
region,Supplement
in the
805.693.1497
ize
in orderthetosecond!
see results
in
EDITORIAL
EVENTS&&EXPOS
EXPOS
Tim Houghten
EVENTS
mission
to
be
an
all-encompassing
resource
of
information
for
investors.
In
Hannah
Ash
coastal
portion
of
California,
our
our
real
estate,
business
and
life,
Lawrence
Ruano
LoriPeebles
Peebles
Teri Burke
Lori
home
base,
the markets
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Lawrence Ruano
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and
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feedback on our publications or events, please
mebuild
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Your suggestions
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Morgan
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GROW YOUR
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Personal
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We provide complimentary copies
ask them questions, listen to their
your Meetup Group or REIA
AugustoMeneses
Meneses
Augusto
Contact
us: 310.499.9545
or info@realty411guide.com
for your CashFlow group or REIA
now
and
celebrating
a
prosperous
strategies
and warnings. Don't be
CashFlow Express is published in Santa Barbara County by Realty411. Copyright2013.All Rights
CashFlow
Express
is published in Santa Barbara County by Realty411. Copyright 2013. All Rights
Be
Social
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Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers and
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stocks, bonds, mutual funds, gold, or securities, seek the advisement of a trusted nancial advisor,
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or
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Investing
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and
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promoted
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Connect to our virtual network ~ Search for us here:
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your
or their owners, employees agents and affiliates (collectively 411) are for informainvestors
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tional and entertainment purposes ONLY. The information and presentations provided
any
time
sectors.
Invesdon't
have
to venture
into
therein
doin
notboth
constitute
an offer
or solicitationYou
to buy
or sell
securities
or real estate.
Please
aware across
that real deals
estate investing
RISKY.
411 is notchart
responsible
tors
canbecome
when is VERY
unknown
territory,
your for
any of
the information
provided
statistical
presented,
and do notof
reflect
they
least
expect it. The
act and/or
of
coursedata
with
the assistance
oththe opinions, advice or research of 411. You personally are 100% responsible for your
creating
real
estate
wealth
is
not
ersand
who
traveled
those
roads
due diligence, for all investment information
forhave
all decisions
with
respect
to
limited
to a certain
time
of year, 411beforehand.
And ifthat
youyou
can't
any potential
investment
or transaction.
strongly recommends
seekfind
the
region
oryour
asset
class.
The posadvice of
trusted
attorney,
broker, CPA and/or
financial
adviser
it in your
budget
tobefore
hire ainvesting.
mensibility of turning a problematic
Disclosure and Information - Attention All:
tor, then you definitely want to
CashFlow Express
Page 4 around can happen at
property
The publications, events, expos and mixers produced and promoted
by
attend real estate events, mixRealty411guide.com, reWEALTHmag.com and/or their owners, emany time and in any place.
ers, meetings and expos and ask
ployees, agents and affiliates (collectively 411) are for informational
Investors are problems solvers,
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and entertainment purposes ONLY. The information and presentations
and we live in a reality where
and industry gurus are at a public
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distressed sellers, neglected
event, it's because they want to
securities or real estate. Please be aware that real estate investing is
properties, marital splits, and
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VERY RISKY. 411 is not responsible for any of the information prohomeowner deaths will never
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vided and/or statistical data presented, and 411 does not represent that
cease.
My
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is
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never
them by being afraid to engage in
any information or opinions expressed and data provided reflect the
too
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for
you
to
get
started
in
conversation.
opinions, advice and research of the publishers, editors, columnists,
building
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vendors, speakers, sponsors, guests who are in attendance at the
I encourage all readers to step
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or expanding it further.
out of their comfort zones and into
attending 411 events you acknowledge that the investment strategies
When we host expos around the public forums. Put the cell phone
mentioned may not be suitable for you, that any real estate investment
country, I meet investors from
down, get off social media, and go
is inherently risky, that all investments are subject to risks, which could
every age group. Once we had a
shake hands with someone new.
result in the entire loss of your investment, and that 411 is not responhigh school student attend with
Go ahead... rub elbows and trade
sible for any losses or outcome of any investment made by you from
her
grandfather!
It
was
wonderbusiness cards, success isn't going
or after 411 events, or as a result of contacts made at these events as
ful.
It's
exhilarating
to
know
we
to find you while your cocooning
well as after reading 411 publications. You personally are 100% reunite
everyone
for
one
day
to
at home or in the office.
sponsible for your due diligence, for all investment information and for
celebrate
a
common
passion
and
all decisions with respect to any potential investment or transaction.
It's 2015, and your next big deal
411 does not endorse, and has not performed due diligence on any of
purpose. The sharing of ideas,
awaits...
the columnists, advertisers, vendors, speakers, sponsors, companies
experiences and concepts can
Are you ready?
and guests who appear at our events or in our publications. The inforopen our minds. A new tip can
mation presented at any 411 event related to any potential real estate
be the missing link to your curinvestment is general in nature and does not constitute legal, tax or
rent problem. That new member
2015... the
commencement
of a New Year.
Ca$hFlow
No. 1 / Vol. 1 2012
No. 1 / Vol. 1 2012
estate investing, trading stocks, building

By Doug Carver
a strong
MLM business,
etc. Youbuilding
will not
Organizer
Pasadena and Burbank
estate
investing,
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By
Doug Carver
Its like
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Cashflow Meetup
Groups
asucceed.
strong MLM
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Organizer
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and Burbank
a field of sand.
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seedstowill
notcorn
germisucceed.
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grow
in
Cashflow Meetup Groups
nate
and
youll
end
up
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nothcan remember my first time playa field of sand. The seeds will not germiing
to
harvest
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ing remember
Robert Kiyosakis
Cashflow
nate and youll end up with next to nothcan
my first time
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Invest In What You Know

Wanna be a good stock market investor?
simple
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start with
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high of $95 per share.

Continued on pg. 12
Continued on pg. 12
how much you learn the how to of real
LindaPliagas
Continued on pg. 2
Continued on pg. 2
investment advice. 411 strongly recommends that you seek the advice
of your trusted attorney, broker, CPA and/or financial adviser before
taking action as an investor. To contact us, please call (805) 693.1497
**Please remember real estate, and all investing, is risky by nature and
may result in the entire loss of your principal investment.
LindaPliagas
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2014. The Entrust Group, Inc. All Rights Reserved.
SOLAR - How REALTORS and

Investors Use it to Their Advantage
L
ately, I am sure you have heard the word

solar mentioned often. With the rising
costs of electricity (raised at least once per
year), it isn't a surprise that more and more
interests in the solar industry are trending on Twitter
and Google search feeds. This past summer homeowners with non-solar homes reported their outrage
and concern due to their electricity bills pouring into
the $200-$600 range. And it's only going up.
this was the most common surveyed response for home buyers in
2014. And it's true. If a homebuyer
does not buy a home with solar on
it, the odds of them getting it installed after the fact, are especially
high in inland areas and areas
where there are larger cooling and
heating consumptions.
Energy efficient and alternative energy homes are

now being manufactured by developers looking to
get ahead of the curve on the ever-booming industry. "Why buy the house that doesn't have solar on
it when I can buy one that comes with it, installed
and ready to use when I move into my new home?"
When presented with the option of solar or no solar
This essentially presents a great

opportunity for REALTORS and
investors. Investors are quickly realizing the capital gain from their
solar investments. With a very
small percentage of homes (under 5% nationwide) having solar,
there are still
government
incentives in place to incentivize
property owners to help alleviate
the dependency on fossil fuel by
incorporating renewable energy.
These incentives are offered on
the state and federal level, with
many states maxed out already on
the state rebates. This has helped
to increase solar installations by
40% in the last couple years and
with the 30% federal credit dissolving in 2016, it's no wonder
there is a sense of urgency.
By Dave Franecki
Investors have multiple options:

1. Buy and Hold #1: Buy the property, purchase (not lease) their solar system for the home.
Collect 30% federal credit and move in and enjoy
the benefits of their solar system saving them
money right away.
2. Buy and Hold #2: Buy the property, purchase (not lease) their solar system for the home.
Collect 30% federal credit and rent out the property. They are the utility provider now, essentially, and can charge their tenant the amount they
choose, for the use of the electricity or raise the
asking price for the rent to include electricity.
>
Continued on pg. 22
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The Perfect Gift
Green Energy Creates Investor Opportunities, pg. 3
left goes to power generation and, in the winter, thats a smaller percentage. This caused the
price of gas to double in each of the past two
winters. The market response to this bottleneck
can be seen in average wholesale natural gas
prices, causing sudden spikes on the so-called
spot market during the coldest days. In southern and central Maine, business customers will
see their electricity rates jump from 6 cents per
kilowatt hour in October to 15 cents in January to 11.5 cents in March. The country just
experienced the coldest winter in a century. This
winter is expected to be the same and the supply
and demand cycle continue to worsen with the
pricing continues to increase.
TVs Favorite Fix and Flip Family, pg. 1
Tarek El Moussa also says he dedicates a lot

of time just getting to know the local market and
prices. While many investors have been indoctrinated to believe the MLS and REALTORS are
their arch enemies, Tarek suggests investors get
access to the Multiple Listing Service and obtain
their real estate licenses.
Another strategy billionaire investor Mark Cuban and real estate flipper El Moussa have in common is diversification. Cuban has invested in a variety of startups, including real estate data service
Motionloft.
El Moussa says that to build in sustainability and
longevity this time around he is acquiring income
producing assets, and is diversifying into new
companies and ventures including TV, seminars,
real estate sales, flipping houses and even the construction business.
On the Sizzling
California Real Estate Market
Of the hot California housing market Tarek says
that one of the biggest mistakes he sees investors

making every day is over paying. He notes that
there are so many trying to get into to cash in on
flipping houses and the rise in values. He insists
youve got to buy right if you are going to make
it.
For Tarek this means knowing your numbers,
and personally for him demanding at least a 12%
net return on each deal.
On the future of the OC property market he says
that there is great reason to be bullish considering we are barely three years into appreciation of
a new growth phase in the market, and that more
conservative mortgage lending, and a high percentage of cash deals is creating a far stronger
foundation, which will insulate the market from
future fluctuations.
In summary; investors can do a lot to ensure
their ongoing success in flipping California houses, but need to be prepared to put in the work, and
be willing to invest in learning.
El Moussa says that to build in sustainability and longevity this time

around he is acquiring income producing assets, and is diversifying into new companies and ventures including TV, seminars, real
estate sales, flipping houses and even the construction business.
The Solution: Hydro Renaissance

A Profitable Opportunity
The leaders of our country recently endorsed
the use of hydropower as a viable renewable,
sustainable, and alternative energy resource with
the passage of the Hydropower Regulatory Efficiency Act of 2013. This legislation encourages the modification of current sites, thus
boosting hydropower production, increasing
efficiency, and reducing environmental impacts
of hydropower. No one believes gas will stay
low forever, thus, this is exactly the right time to
invest in hydro. There is a large up-front capital
cost, but once built, hydro power assets are nearly pure profit. No fuel, little maintenance, and
little labor expense. Hydropower plants capture
the energy of falling water to generate electricity. A turbine converts the kinetic energy of falling water into mechanical energy. Hydropower
is consistent and profoundly efficient, with low
Co2 output and zero greenhouse gas emissions.
This innovative source of electricity works to
keep our environment clean, while producing a
renewable and sustainable source of energy.
Hydropower plants capture

the energy of falling water
to generate electricity. A
turbine converts the kinetic
energy of falling water into
mechanical energy.
DownEast Hydro, LLC, a Maine based company, provides the renewable energy market with a
fresh, environmentally sound, fish and wildlife
safe approach to small-scale hydroelectric generation. It supports the various environmental
interest groups and develops parallel construction of fish passages at the power stations, while
achieving a positive return on investment.
Currently DownEast Hydro sees energy
potential in old hydro dams and is focusing on
developing five small existing Central Maine
hydro sites. When fully operational, they will
provide enough electricity to support 2,100
Mainers for one year, just a fraction of Maines
15% hydro capacity. The long-term goal is to
acquire, develop, and manage additional small
sites in Maine, New Hampshire and Vermont.
Based on 30 years of flow data measured on
site at each dam, the company is able to offer
dependable estimates to potential electricity cost
to buyers and a sensible business plan for investors.

For investor inquires and questions or to contact the author, Dave Franecki, visit:
http://downeasthydro.com/opportunity
Crowd
Funding
Comes
of Age
Realty Mogul
Funds Institutional
Quality Property
ealty Mogul, the online real estate

capital platform connecting accredited and institutional investors to real estate
investment opportunities, announced
today that it has successfully crowdfunded
the Lakeside at Town Center Apartment
complex in the Atlanta suburb of Marietta,
GA. Realty Moguls accredited investors contributed over $1.2 million through
its online crowdfunding platform to help
purchase a portion of the interest in this
apartment complex from Arenda Capital
Management, the projects sponsor.
This transaction involved our first
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funding of a Class A property, meaning one of the highest quality buildings

in the local market area, said Jilliene
Helman, CEO of Realty Mogul. These
properties are typically highly valued by
institutional investors, and its infrequent
that individual accredited investors are
able to participate in such opportunities.
We were proud to work on this transaction
with Arenda Capital Management, which
had earlier partnered with Loma Linda
University to purchase the property.
Built in 2001, the property is a 358-unit
apartment community comprised of 14
garden-style apartment buildings along
with a clubhouse/leasing center, several
garage/storage buildings, swimming pool,
tennis court, playground, fitness center,
cyber caf, and car wash facility. The
390,594 square foot property is already
at 95% occupancy and is located near the
huge Town Center Mall, a number of corporate office parks, and Kennesaw State
University, one of the fastest growing >
Continued on pg. 26
irstKey Lending revolutionized the real estate

market for entrepreneurs
investing in residential
rental properties when it
began offering its one of a
kind single-property loan
product earlier this year.
A fully amortizing 30-year
fixed rate loan with competitive rates and no prepayment penalty.
FirstKey Lending
Continues to Innovate
Makes 30 Year Loans Available

to Portfolio Borrowers
By Lori Peebles
FirstKeys Express single-property loan

product offered entrepreneurial landlords the
ability to manage their cash flow by avoiding
interest rate risk and large balloon payments
at the end of the loan term.
We saw immediate demand for our
Express property loans, says Randy Reiff,
CEO of FirstKey Lending.
But, as a market leader, FirstKey is committed to making it even easier to invest in
one- to four- family rentals and is constantly
innovating to provide additional financing options to current and prospective customers.
Responding to the success of its Express
property loan product, FirstKey recently
made significant enhancements to the Express program to bring the benefits of this
unique product to entrepreneurial customers
who own portfolios of more than 10 properties.
With the introduction of this product, we are giving

customers who are a bit less rate-sensitive the ability
to choose a long term, fixed rate solution with
complete prepayment flexibility, said Reiff.
FirstKey is now also offering 30-year fixed
rate solutions for portfolio loans of up to $5
million dollars with no restrictions on the
number of properties financed. Like the single property loan, these portfolio loans have
no prepayment penalties, making them even
more attractive for entrepreneurial investors
who want to lock in long-term financing but
maintain flexibility to sell assets or manage
their investments.
The needs of entrepreneurial investors
are not necessarily the same as institutional investors. With the introduction of this
product, we are giving customers who are a
bit less rate-sensitive the ability to choose a
long term, fixed rate solution with complete
prepayment flexibility, said Reiff. Recognizing that the needs and aspirations of entrepreneurial borrowers might change over time
is what inspired the original 30-year property
product, and we are now thrilled to make it
available for customers who want to borrow
up to $5 million against their multi-property
portfolios.
FirstKey was the first national lender to
target entrepreneurial borrowers in the rental

finance space and has prided itself on innovating a wide variety of programs meant to make
it easier to invest in the SFR market.
For FirstKey, its not just about the borrowers credit score, but the strength of the
borrowers investment. FirstKey looks primarily at the propertys value and the cash flows
to determine the investments ability to service
and ultimately repay the debt. This evaluation
model can make FirstKeys financing products
accessible to a wide range of customers.
For entrepreneurial investors more interested in optimizing rate than term, FirstKey continues to offer Express portfolio loans under
$5 million for 5, 7 or 10 years at some of the
lowest fixed rates available in the SFR space.
FirstKeys wide range of products also includes options for many other types of investors. Premier provides non-recourse loans
from $5,000,000 to $500 million to mid-size
and institutional rental investors. For entrepreneurs more focused on fixing properties
and selling them, FirstKey also offers loans
for rehab projects between $100,000 and
$1,000,000 through its Fix & Flip program.

We are proud to continue innovating
and improving our market-leading products
to serve the unique needs of our entrepreneurial and institutional investors, said
Reiff. Whether one property or 10,000, our
suite of SFR finance products provides a
variety of solutions to the entire spectrum
of investors.
FirstKey continues to simplify the logistics of all its programs, streamlining the
documentation process and increasing
the ease of closing. These efforts make it
easier to manage expenses and navigate
the process for customers who may be financing their investments for the first time.
FirstKey is backed by Cerberus Capital
Management L.P., one of the countrys
largest private investment funds, giving it
the resources it needs to continue advancing in the market. FirstKey management
said the recent moves were an effort to
continue offering exciting new options and
the value that its customers have come to
expect.
Setting Probate Investment Goals

that will Grow Your Business
By Leon McKenzie, US Probate Leads
art of the challenge

for every business
owner, no matter the
industry, is balancing the daily needs of
your business with a long term
growth strategy. This is also true
for entrepreneurs working in the
probate industry. Taking the time
to set investment goals will help
you to grow your business over
the long term.
While this may seem like common sense,
very few probate entrepreneurs take the time to
set actionable goals and then track their progress. Simply put, they get too focused on the
urgent and immediate needs of their business,
whether it is responding to an email or taking a
phone call, and dont look to see if each of their
actions helps them to move their business forward toward growth that builds profit. Taking
the time to set probate investment goals is the
single most important action you can take for
your business as it virtually guarantees business growth and profitability.
Probate Offers
Exceptional Opportunities
Unlike other industries, there are opportunities in

probate that allow investors to meet their financial, business and personal goals easily. Before
an investor takes the time to create and devise
action plans for business goals, it is important to
note that the probate industry encourages success
with the way that it is structured. Executors, by
the very nature of their job, are always interested
in finding easy ways to complete the sale and
distribution of assets to the heirs as dictated by
the court. In the probate business, this means
that of the estimated 100,000 probates filed each
month in the United States, there are many, many
options for real estate investors. These opportunities include discounts on commercial, residential and vacation home properties many times
of up to 50% off of current market rates. This is
due to the need of the Executor to develop a cash
flow that can take care of medical, funeral, tax
and other bills.
What does this have to do with setting
goals? It means that taking the time to set goals
for a probate real estate business is even more
beneficial. Since the environment around the
probate real estate industry is so favorable,
investors can more quickly achieve well-set,
actionable goals.
Grow Your Business

with Goals
One of the first steps in building, or rebuilding,

your business is to spend enough time preparing
Unlike other industries, there are opportunities

in probate that allow investors to meet their
financial, business and personal goals easily.
to enter the market. Kurt Carlton, in his article about
setting real estate investment goals, said, The most
important step for any individual that may be looking
to get started in this niche market is proper preparation. This avenue of investing is not like buying a
CD or a bond and putting it in your bottom drawer.
If you buy a home and check on it a year later, it will
not provide you with a small return and no headaches. On the other hand, if you tend to it and can
play an active role in nurturing the home, it does
stand to provide far greater returns on your money
and opens a lot of doors to access tax benefits.
Clearly, real estate is an excellent investment if you
take the time to adequately prepare yourself and your
business.
Understanding where youd like to go with your
probate real estate business is critical. There are
many benefits to a real estate business including
long term income, equity built into homes, commercial properties and vacation homes, and quick sales
that can generate profits and allow you to have cash
on hand. Some probate investors choose only one of
these paths, and some choose to take advantage of
many of them. In order to pursue these goals, it is
important to do planning prior to taking action.
Overall, taking time to set goals for your business
will help you to be more effective and efficient. A
recently written article on goal setting said, Studies
have shown that you will save ten minutes in execution for every minute that you invest in planning or
goal setting. What an incredible return on your investment of time. How often would you invest in an
investment where you put in a dollar and gotten dollars back? If you want to see your probate business
grow, then taking the time to set goals is critically
important.
Setting Effective Goals
So many people set goals for their personal lives and

their businesses each year. Just think about all of
the people that set New Years resolutions and then
never complete their dream. Whether the goal of
your probate business is to build short-term income
or develop a long-term investment portfolio, there
are effective ways to set goals that will help you to
achieve them.
The most effective goals are set using the
SMART process. Phil Putejovsky believes that it is
critical that goals are defined in terms of outcome.
He said, A huge error in setting real estate goals is
not describing the result clearly. Be specific. Doing
my first deal, is NOT a descriptive result. In fact,
doing a deal is not the goal at all. Instead, making
money is probably the goal because you can do your
first deal and lose $10,000! Losing money is typically not what a budding real estate investor means
by a deal. Instead of doing my first deal, perhaps

the description of the result could read as, Buy my
first positive cash flowing rental property that earns
at least $200 per month without having to use my
own cash or credit to acquire the property or Close
my first deal and earn $5,000 or more in net profits
after all expenses. Knowing what a successful result
is helps an investor to determine the steps needed in
order to accomplish the goal.
Another critical aspect to setting goals in the
probate investment business is that they are time
sensitive. If an investor sets a goal to make money
this year, it not only doesnt describe exactly what
the goal is in other words, how much money? but
it also doesnt give it a specific time frame. A year
can be a long time in business and a lot can happen.
Regarding time-specific goals, Carlton said, They
have a time by which you need to accomplish them
by. They also have interim steps along the way that
can be monitored. These sub-deadlines or schedules
are critical to success. There are no unrealistic goals;
there are merely unrealistic timeframes. In other
words, if you want to build a probate business that has
two million dollars in holdings, it can be done, but it
may not be able to be done overnight. This is a case
where setting goals in terms of phases can be even
more important.
The goals an investor sets for their probate real
estate business should also be challenging. The
writers at Real Estate Champions say, Goals need
to challenge you to capacity or beyond your current
capacity. They will stretch you and mold you into a
new person. Jim Rohn wisely said, Its not the money
that makes the millionaire successful; its what he had
to become (as a person) to earn a million dollars. If
you took the money away from that millionaire that
millionaire, would make it back twice as fast as before, because he learned the skill to make it in the first
place. As a probate investment business grows, the
person running the business grows in knowledge and
ability as well. This is the reason that setting challenging, big goals is critical. The other reason to set
challenging, big goals is that they are entirely attainable in the probate industry. As discussed earlier, the
probate industry is rife with opportunity that cannot
be seen in other areas of real estate. In fact, investors
have the upper hand in the probate real estate market
since Executors need to sell properties in order to get
the cash needed to close the probate.
Ask Questions to
Develop Action Plans
As investors set their goals, they also need to develop

the actionable part of the process. While many investors may say, I would like to make $100,000 dollars
this year, figuring out how to get there is the hardest
part of the process. This indicates the need for an
action plan. Exactly what needs to be done to achieve
a goal? Take time to think through the process by
asking excellent questions.
If an investor wants to net $100,000, here are just
a few of the questions that can be asked to develop an
action plan:
How much income do I need to make gross in
order to net $100,000?
Do I want to make that money in rental profit or
in buying and selling homes or by using a combination?
What roadblocks do I see ahead?
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fix and hold, fix and flip, and more.
Thinking through the process in terms of questions provides the environment for a much more creative problem solving process for probate investors.
What If Goals Arent Met?
Just like New Years resolutions, there are many times

that goals arent met in probate. Does that mean
>
Continued on pg. 25
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Real Estate and the

North Dakota Oil Boo
By Kenny Dewan, CEO MondayOne
Multifamily Development in North Dakota Taking Advantage of the Oil Boom and
the Highest Rents in the Nation
very morning I wake up excited, and

that energy keeps going throughout the
day. Why? Because of what I see as the
greatest opportunity in my 24 years of business
life: Building housing for the oil workers in
North Dakota. As a numbers-driven decision
maker, here are the facts that I see:
Oil production is growing Three
years ago North Dakota was producing 100,000
barrels of oil per day. Today production is up to
1,100,000 barrels of oil each day.
Bakken oil is a geopolitical

game changer In December 2012 the
U.S. became the second largest oil-producing nation in the world (behind Saudi
Arabia). In just three years the U.S. will be in a position to stop importing oil
altogether. We can keep our dollars here, and our economy will no longer rely
on OPECs whims.
Full build-out is years away It will take 60,000 plus oil wells to
extract all of the Bakken oil. Currently there are only 10,500. But no matter how
A drawing of a MondayOne multifamily development.

fast they drill new wells, the most the oil companies can get is about 2500 wells
per year. This is why it is estimated that it will take about 20 years for the oil
fields to fully develop.
Housing is the oil companies biggest challenge There are currently over
22,000 oil workers living in man camps. This is in addition to the man camps
that are housing workers from service-related companies. Many, if not most,
of these workers would move their families to the area if appropriate housing
was available but its not.
Continued on pg. 26
Invest With Us
For Accredited Investors
12% Fixed Preferred Return

Plus Quarterly Rental
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Multifamily
Development
In North Dakota
Highest Rent in the US

Invest with your
Self Directed IRA
Highest Rent in the US!

If you had to guess the highest average rent in our country, would you
likely guess New York, LA., and San Francisco? Well perhaps, but you
would be wrong and not even close. Williston, North Dakota, is by far
and away the most expensive rent in the United States. Now $2,400 a
month, on average, for a 700-square-foot one bedroom. Its because of
many of them sleeping in their trucks due to a lack of housing.
Brian Williams, NBC Evening News 2/16/14
One of the
GREATEST INVESTMENT
OPPORTUNITIES
in the last 50 years!
30 COPORATE PARK
SUITE 104 | IRVINE CA 92606
TEL # 949 833 8100

MondayOneProperties.com
CONFIDENTIALITY & DISCLAIMER NOTICE THIS EXECUTIVE SUMMARY IS INTENDED ONLY FOR THE USE OF INDIVIDUAL OR ENTITY TO WHICH IT IS ADRESSED AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. THIS INFORMATION DOES NOT CONSTITUTE AN OFFER, OR THE
SOLICITATION OF AN OFFER, OF ANY INVESTMENT. SUCH OFFERS ARE MADE ONLY BY THE PRIVATE PLACEMENT MEMORANDUM(S) RELATED TO SUCH INVESTMENT AND ONLY TO PERSONS AND IN CIRCUMSTANCES IN WHICH SUCH OFFERS MAY LEGALLY BE MADE WITHOUT VIOLATION OF U.S. FEDERAL OR STATE SECURITIES LAWS OR APPLICABLE LAWS
AND REGULATIONS. ALL POTENTIAL INVESTORS MUST READ THE PRIVATE PLACEMENT MEMORANDUM AND NO PERSON MAY INVEST WITHOUT ACKNOWLEDGING RECEIPT AND COMPLETE REVIEW OF THE PRIVATE PLACEMENT MEMORANDUM. THE PRIVATE PLACEMENT MEMORANDUM CONTAINS DETAILED INFORMATION INCLUDING RISKS, CHARGES
AND EXPENSES. THERE ARE RISKS INVOLVED WITH INVESTING IN REAL ESTATE, INCLUDING POSSIBLE LOSS OF PRINCIPAL. PAST PERFORMANCE IS NOT AN INDICATION OF FUTURE RESULTS. THE INFORMATION CONTAINED HEREIN IS NOT TO BE CONSTRUED AS INVESTMENT ADVICE. THESE ARE HIGHLY SPECULATIVE INVESTMENTS AND INVOLVES A HIGH
DEGREE OF RISK. READ THE PRIVATE PLACEMENT MEMORANDUM CAREFULLY BEFORE YOU INVEST OR SEND MONEY. ALL INVESTORS MUST MEET SUITABILITY REQUIREMENTS AS STATED IN THE PRIVATE PLACEMENT MEMORANDUM(S). ANY PROPERTIES DEPICTED HEREIN ARE FOR ILLUSTRATIVE PURPOSES AND ARE NOT OWNED, SECURED, INTENDED TO
BE SECURED, OR INTENDED TO BE ACQUIRED BY THE FUND(S) OR MONDAYONE, LLC. NEITHER THE SEC NOR ANY STATE SECURITIES COMMISSION HAS APPROVED OR DISAPPROVED OF THE SHARES IN THE FUND(S) OR PASSED UPON THE ADEQUACY OR ACCURACY OF THE PRIVATE PLACEMENT MEMORANDUM.
By Randy Hughes,
Mr. Land Trust
have been speaking

and teaching about the
many benefits of using a
Land Trust to hold title to
investment real estate for
the last 15 years. Personally, I have been using
Land Trusts for over 35 years
and continue to discover new
and creative ways to benefit from
their use. You literally could not
GIVE me a piece of real estate
5 Stories
if I had to hold title in my own
personal nameits not worth
the risk! Yes, I use LLCs too, but
NOT TO HOLD TITLE to rental
real estate.
Instead of me telling you about
the benefits of using Land Trusts,
this article will be about my students and how they came to use
Land Trusts for privacy, asset
protection and profits. The first
story begins with a phone call to
me from a prospective student
(Jim) who wanted to learn how
to create his own Land Trusts. I
asked Jim why he was interested
in creating his own Trusts. He
answered by telling me that he
owned 1,500 oil and gas leases
and some of them go boom
and some of them go bust and
he thought my advice of putting
each piece of real estate (leases
are included in what can put in a
Land Trust) into its own separate
Trust was good advice. He went
on to tell me that he did not want
one or more bad leases to affect
the good producing leases and
he could see a huge benefit in
not aggregating all of his leases
in one entity (or his own personal
name).
Jim also understood that if he
had to pay someone to create
1,500 Land Trusts it would cost
him a fortune. So, learning how
to create his own Trusts would
save him thousands of dollars
(and he would probably end up
with a more personalized Trust
anyway).
~~~~~ 2 ~~~~~
My second story comes from
(Sue) in Florida. I received a call
one breezy afternoon from this
landlady in Florida. She told me
that she needed to get my home
study course as quick as pos-
sible. I asked, Whats the hurry?

She went on to tell me that she
owned seven rental properties plus
her personal residence. One of her
male tenants was interested in her
and she was NOT interested in him.
One of her tenants called her to tell
her this guy came to her house looking for Sue (and it sounded like he
was visiting each of her properties
trying to find out which one was her
personal residence!). He had merely
looked up Sues name in the public
records and found all the properties
she owned! Wow, who would ever
think that a Land Trust would help
you avoid a stalker?
Sue had learned a quick lesson in not holding title to ANY real
estate in your own personal name.
There are just no advantagesonly
disadvantages! Now, Sue wanted to
learn how to create her own Land
Trusts quickly and at no cost so she
could get those properties out of her
name. Since I have very few women
staking me these days, I was glad to
learn of another reason to use Land
Trusts.
personal issues and felt that she

would be better off not holding title
to the investment real estate (with
everyone in the world knowing that
she was the owner). While Hollys
situation was more complicated than
some of the other stories in this article, it served as an example of not
waiting until your house is on fire to
buy home owners insurance! Many
people think that asset protection
planning is just for the paranoid. Or,
that they will wait until the wolf is at
the door before taking action. Logic
tells you otherwise.
It is always best to plan ahead
and get those properties out of your
to create his own Land Trusts and

he took action! Aaron put all three
of his rental properties into separate
Land Trusts AND put his personal
residence into a fourth Trust. Subsequently, Aaron fell on hard times. He
lost his job, got divorced and slipped
into foreclosure on his personal
residence.
Because Aaron had put his residence into a Land Trust the lender
took four years to foreclose! The
lender had to find and serve Aarons
Trustee (in addition to all other parties to the foreclosure lawsuit) who
lived out of state. Placing your property into a Land Trust will not stop a
Land Trust
name NOW (and take title to all
future properties directly from the
seller to your Land Trust).
~~~~~ 4 ~~~~~
The fourth story comes to us from
Illinois. Aaron was a student of mine
from 2002. He learned from me how
foreclosure, but it will slow it down.

I do not advocate foreclosure or
the delay of foreclosure. In fact, I do
not teach people how to use Land
Trusts to take advantage of others.
Land Trusts are designed to protect
YOU from unscrupulous people who
Continued on pg. 21
Start
building
your credit
score
today.
~~~~~ 3 ~~~~~
Our third real-life story comes to
us from San Francisco. I teach a
live seminar at least once a year
in San Francisco to educate real
estate investors on how to create
their own Land Trusts. Holly was a
student in one of these seminars
over two years ago. Like many, Holly
loved the idea of using a Land Trust,
but never took the time to actually
transfer title out of her name and
into the Land Trust. Holly called me
last week and said, I have got to
get this property out of my name
fast. As usual, I said, Why? Holly
went on to tell me that her tenants
had contracted cock roaches and
called the city inspector to complain.
In addition she was having to go to
court the next week over some other
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By Christopher Urso, URS Capital

Partners Elite Apartment Coaching
ts no secret that real estate is a taxfriendly investment. There are not many
investments that offer the tax advantages
that real estate provides. Now, Im no
hater of Wall Street. I feel that diversity is
important to any portfolio; but when it comes to
taxes, real estate has many other investment
vehicles beat.
Buying an apartment building allows your
tenants to pay down your mortgage while
building equity with little to no tax burden. Here
are some of the tax strategies that make apartments so investor-friendly.
The beauty of depreciation is that an investor can show a loss that can dramatically lower
their taxable income on their investment property. There are further depreciation that can
be taken through furniture, fixtures and equipment. (Standard Disclaimer -> I am NOT an
your property are also tax free. This is an exit

plan that many of our clients use; reinvesting the
refinanced portion into another, larger deal.
Many of our investors have used a 1031 exchange. This allows you to sell a property and
reinvest the proceeds deferring all capital gains
taxes. There are many specific IRA guidelines
that need to be adhered to, including a narrow time window; but the investor will be able
to defer their taxes for as long as they hold that
investment! Make sure that you work with a 1031
specialist, as the guidelines are very specific and
must be followed to a t.
Investing through an IRA, specifically a selfdirected IRA, is how we were able to raise $17
million of private money. This money is already
earmarked for retirement, making it the perfect
way to allow an investor to get started investing in
real estate. Becoming well versed in self directed
The beauty of depreciation is that an investor can

show a loss that can dramatically lower their
taxable income on their investment property.
accountant, so make sure that you check with
your accountant for proper declarations.)
The proceeds that come from refinancing
IRAs will allow you to educate your potential investors if youre looking to syndicate larger deals
and raise private capital for your own projects.
Tax benefits are just one of the benefits of

investing in apartments. Economies of scale
(lot of beds under one roof), burgeoning demographics, and an attractive lending climate, all
make investing in apartments one of the fastest ways to secure your future.
Whether you are just starting out and want
to create a legacy for your family, you have
done some single family deals and want to
scale your real estate business faster, or have
done some deals and want to syndicate larger
deals and bring in investor dollars, investing in
apartments is the path to true security.

For more information, please visit online at:
http://URSCapitalPartners.com as well as
http://EliteApartmentCoaching.com
Rehabber and Flipper

By Carl Schiovone, Director of the
East Coast Real Estate Investors Association
roperty rehabbing and flipping

continues to be an extremely popular business
model among experienced investors as well as novice investors with no prior real
estate experience. The single
motivational factor causing this
buzz may be hard to put your
finger on, however, there are a
number of contributing elements
that led to this frenzy, including
the many television shows demonstrating how easy it is to have
a big payday. What they dont talk
about is the inherent risks involved. As
another motivating factor is the poor performance
of traditional Wall Street investments and many
insecure with their job and career growth potential.
However, like any business venture you are considering, success requires an understanding of the
challenges and barriers you will have to overcome;
this realization must come early in your business
implementation. At the core of all successful businesses are a comprehensive business plan, risk
mitigation strategies, and a competent professional
support team that will assist you through your business decisions.
Picking the Right Property

As a rehabber and flipper, you will need to select a
property that is desirable from the prospective of
the typical buyers in your targeted market
area. With this insight, it will make selling
the property at your expected price and
marketing time budget so much easier.
Your goal in selecting a specific
property is to either avoid as many
buyers objections as possible or cure
them as part of your rehab plan. A
buyers objection can be anything
that can cause the potential buyer to
walk away from purchasing the home
or to offer less than what you were
expecting.
Typical buyers objections can include:
Small bedrooms
Not enough bathrooms
Adjacent or near retail or commercial buildings
Small yard
On a busy road
Outdated kitchens and baths
End of life for roofs, windows, HVAC, etc...
Buyers objections come in two forms, curable

(things you can fix) and non-curable (things you
cant fix). Your goal as a successful property rehabber and flipper is to select properties that have no or
minimal non-curable objections.
Determining Your Offer
In order for your rehab projects to be a financial
success, it is essential that you fully understand the
elements that must be considered when coming up
with your offers, these elements include:
What will the home sell for when I
complete the renovations?
What will be the cost of the improvements?
How long will I need to hold the property?
What are my holding and operating expenses?
How much profit is expected?
Legal expenses to buy and sell the property
(remember, you will have two closings).
Marketing costs, including real estate broker
commissions to sell the property.
By considering the above elements, it will lead you
Continued on pg. 21
before
In the following section, we will touch upon some

of the most important things you will need to consider to be successful in this business model.
Have Your Capital Budget in Place
One of the most fundamental variables of purchasing your potential flip property is how much
capital you have to invest. Generally, this Capital
Budget will determine what markets you can afford to be in and will be at the core of establishing
your investment criteria. In recent years, even as
the lending institutions are creating more attractive
loans for investors, submitting all cash offers continue to provide the real estate investor additional
leverage over a conventionally financed offer. In
many cases, cash offers will be necessary in order
to compete with the other offers that are also being
considered. From the prospective of the seller, an
all cash offer can eliminate the risks associated
with the loan being rejected due to the condition
of the property, low appraisal, or the qualifications
of the borrower, In addition, with an all cash offer,
Title can typically close much faster and for some
sellers that may be worth taking even a lower cash
offer over a bank financed offer.
after
Picking the Right Location

Knowing your targeted market area is essential for
you to feel confident you are investing in the right
location. Having a pulse on the local economic and
real estate market conditions will go a long way
in selecting a location buyers want to move to. In
addition, having a thorough understanding of your
investment area and sales prices will help you set
the stage to understand if opportunities presented
to you are in fact a solid deal. One of the best ways
to gather information on your intended investment
locations is to enlist the help from a local real
estate professional.
- Another Real Success Story Real Wealth Network Member

Goes From $0 to $20,000/Month
Income in Just 6 Months
hat three words do you

hear most often when
asked what matters most
in a real estate purchase?
Location, Location, Location.
right? Well, I disagree.
If you bought a home in Stockton, California in

2006, you would be very disappointed in 2009 when
that property was worth 1/4th its value.
What do I think is the most important thing to
consider when buying property?
Market cycles
Back in 2006, we knew that California real estate
was in a frothy bubble. Thats why we advised our
members at Real Wealth Network to SELL California property and exchange it for properties in more
affordable markets.
How did we know it was a bubble? Simple: Affordability. The average person could not afford the
average property in California in 2006, without the
help of crazy stated-income or negative amortization loans. Of course, those loans would inevitably
adjust and the borrower wouldnt be able to afford
the higher payment.
At that time, I advised a woman who owned three
properties in Stockton to sell and exchange those
homes for properties in Dallas, Texas. Dallas real
estate was actually undervalued by 26% at the time.
In fact, salaries were increasing much faster than
home prices, unlike California.
She listened to me and sold each Stockton property

for about $420,000 and was able to exchange them for
nine cash flow homes in Dallas.
She had been receiving $1,200 rent on the California
properties and was elated to discover she could get the
same rent on her new properties, and effectively triple
her monthly income! This gave her the extra income
she needed to retire.
Keep in mind that the California properties were
old, in high-crime areas and in need of repair. The
Dallas properties were brand new, in middle class
neighborhoods near high-paying jobs and good
schools.
Just a few years later when the credit crisis hit,
the Stockton properties she sold were worth about
$100,000 each. Instead of losing 1/4th her net worth,
she tripled her monthly income and saved her nest
egg.
Real Wealth Network has been helping thousands
of investors nationwide understand market cycles in
order to avert disaster and build sustainable wealth.
I am concerned that today we may be facing another
bubble in California. Home prices are well above 2006
levels in many California markets (and we KNOW
that was a bubble year), yet salaries have not exceeded
2006 levels.
Thats why, once again, we are advising people to
sell their high-priced properties and exchange them for
high cash flow...
of work. It was a tear down, essentially, but it was still

worth $800,000. (Yes, San Francisco prices)
Cindy decided to list it this past summer for $1.3
million to see if shed get an offer. Sure enough, she
and her husband received an ALL-CASH offer for
$1.45 million, and they closed in 10 days!
While this was exciting, it also meant they had 45
days to identify new properties or they would face
enormous capital gains. Fortunately, they had been
attending Real Wealth Network events and listening to
weekly market updates.
At Real Wealth Network, we search the country for
affordable markets that are experiencing both job and
population growth. Once we identify those locations,
we search for the best real estate teams who can provide our members with turnkey properties.
Turn-key means the real estate company purchases the property for a discount, renovates it to like-new
condition, places a qualified tenant, and offers onANOTHER RECENT SUCCESS STORY
going property management.
We referred Cindy and her husband to our favorite
One of our members, Cindy, inherited a home in San
turn-key
property providers in Indianapolis, Houston,
Francisco that was in poor condition and needed lots
Cincinnati and Jacksonville, FL.
They couldnt believe they could
exchange their ONE San Francisco
property for TWENTY cash flow
properties and their monthly
passive income went from zero to
$20,000 per month!
PLEASE NOTE: Not all companies
who say they are turn-key really are.
In fact, most never make it through
our rigid screening process. Whether
you have a property to exchange or
you simply want to get started as
a real estate investor, we have the
resources you need.
You will have access to our weekly
market updates, strategy sessions,
live events, and property tours.
And most importantly, we would be
happy to refer you to our members
favorite turn-key property providers
in Dallas, Houston, Chicago, Indianapolis, Cincinnati, Pittsburgh, Jacksonville, Tampa, and in the booming
oil state of North Dakota.
Simply visit www.RealWealthNetwork.
com to get your FREE membership.
Getting Started as a Rehabber, pg. 19
to determine the Maximum

Allowable Offer (also referred to as MAO) you can
make. There are two elements that are at the heart
of most of the risk in this
business model, these elements are the cost of repair
(your rehab budget) and
the After Repaired Value
(ARV). In determining your
rehab budget, it is strongly
recommended that you
utilize a competent Contractor to help you establish
your budget and reserves
necessary. When trying to
determine your ARV, your
Real Estate Professional can
be a great asset and will be
able to provide you with
properties that are currently
on the market and that have
closed as a reference to compare
your property against.
Five Land Trust Stories, pg. 15
before
~~~~~ 5 ~~~~~
after
Be Prepared for
Some Stiff
Competition
With the popularity of this
business model and the expectations of large investment returns comes some
very fierce competition;
this comes from a number of sources including
contractors who have the
skill and manpower readily
available, seasoned Investors that have developed
an efficient and repeatable
business model. Even new
investors with no prior
track record of success
can beat you to the closing table.
You may be wondering why a
novice would be your competition. In some cases, they may
not have prepared properly to
accurately determine a safe offer
price considering the elements
mentioned above and may offer
a higher price you cant compete
with. However, the most influential competition you will ever
encounter is yourself! As a Performance Coach, this is an area
that I deal with frequently. For
some novice investors, they can
get caught up in over-analyzing
deals to the point where they
may never get around to actually making offers or when they
do, it may have taken them so
long that the property has been
already snatched up by someone
else; this can be very discouraging.
Learn What a Good
Deal Looks Like
As part of your skills development plan, it will be essential
for you to master the process
of knowing how to evaluate
property candidates before you
starting making offers. Property
rehabbing and flipping can be a
very rewarding business venture,
but proper preparation and due
would try to take your hard earned assets away

from you (without cause).
diligence is required. Make sure you invest in your skills development plan because the best risk mitigation strategy is one
where you actually know what your risks are and have successfully deployed your plan to mitigate them.
Carl Schiovone is Director of the East Coast Real Estate
Investors Association. He is also President of Carl Schiovone
and Associates Real Estate Coaching.
My fifth and last story is a personal one.

Thirty five years ago a friend of mine and I purchased a shopping center. I insisted on placing
the title to the property into a Land Trust. The
property has remained in the same Trust for all
of this time. My friend moved to Florida and became a high roller in the real estate investment
game. He made lots of money until the crash of
2008. Then, he lost lots of money.
Last month I was reading my local Recorders
Office publication that tells me about anyone
who has had a lien filed against them in my
county. Sure enough, there was my friends
name. A judgment lien for $3.4 million dollars!
Why was this lien filed in my county instead of
the county where my friend lived in Florida? I
am sure they also filed on him in Florida but the
creditor assumed since my friend use to live in
my town that he may still own real estate there
and they wanted to tie it up with a lien.
While I felt bad for my friend, I leaned back
in my chairstared out the window of my office
and thought, I sure am glad I insisted on putting our shopping center in a Land Trust. If we
had not used a Land Trust to hold title to our
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Contents
Contents -- 2014
2014
No. 1 / Vol. 1 2012
No. 1 / Vol. 1 2012
Contents - 2014
No. 1 / Vol. 1 2012
(415) 883-2150
JOIN THE EXPERTS IN

REAL ESTATE INVESTING!
No. 1 / Vol. 1 2012
Contents - 2014
Investors
Cashflow

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volvement
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she left
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cansmore
of of events
does
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details
on
life insurance
policy
$1.5
revenue.
of times, I learned
to thisegies
day. What
stucklife
insurance
policyinand
events in Southern
California,
revenue.
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to
create
financial
freedom
his$1.5 Cashflow
volvement
and organizing
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tomillion
the elementary
Coke
Cocaof with me
how
people
should
implement
his stratthe how toplaying
of
in stocks thatschools
she left
most was
not the
bottlesthat
and cans
million
in
stocks
that
she
left
I
have
a
thriving
real
estate
investing
bottles
and
cans
of
books
and
programs.
Truth
is
he
never
getting out of
the
Cashflow
events
in Southern California,
scholarship
fund.
of playing
the financial freedom in his
Cola
egies
to create
to the elementary
schools
Cokesells
thataround
Coca how to
to the elementary
schools
business.
was
speaking
with
one
that Coca
race, but
still afterreal
but
the people
out
step-by-step
how
tonever
for
Irathave
aIt Ithriving
estateCoke
investing
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the
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eacharound
day, game spells
books
andathat
programs.
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is he
scholarship
fund.media loves
Cola
sells
was
able to friends who was
I met building
at the event. long-term
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ofbusiness.
mynotCashflow
a real
Cola
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It was after speaking
with
one around
to air
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stories.media
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take what I learned
The
national
loves
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Doug
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air Carver
these
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start
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to
ato group
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estate
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andCoke
products
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the past
ten years
stock
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hethat
doesis teach
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far game
more
imporplay the Cashflow
members.
therefitarethisseveral
ladies By Tyrone Jackson
panys
profit.
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life financial
to start
my ownthere
are several
oldit in
ladies turned
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panys
profit. Over
you are
familiar.
flow
mindset.
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start
profile
year
after
year. unique
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could
KO)
has
risen
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around
$40
per real estate
tant,business
and that
isKiyosaki
how to create
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However, I distressed properties. It
who fit
this
seemly
orwho
the past
years
Coke
stock
(symbol
Iften
youve
ever
opened
a can
of
fit
this
seemly
unique
recently,
Ive
begun
to
learn
how
to
sucthe
past
ten
years
Coke
stock
(symbol
his
book
Cashflow
Quadrant
moving
out to
that
be? year after year. How could
realized that
was spending
withbe a great decision. More
high
$71summer
$1000
flow freedom
mindset.
it the
in time Iturned
was Kiyosaki
impossible describes
You can share
be
profile
Coca
a hot
day$40
and inKO) to
hasa Cola
risenonof
from
around
per that financial
profile
after
year.
could
cessfully
trade
in has
the stock
market
using
KO)
risen
from
my new
Cashflow
was changing
your
mindset
from
theyear
E
(employee)
andHowfriends
without
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well-paying
job.
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recently,
Ive
begun
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learn
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to
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Investing
rich from
and$71
invigorated,
why
vested
in refreshed
stock
years
book
Cashflow
Quadrant
moving
that
be?
sharefelt
to
aCoca
highCola
of
ten
$1000
in- people his
way I thought about
moneyAs
andshare
that
be?
I (self-employed)
met were excited
about
learnoptions.
amy
self-proclaimed
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high of
$71 estate
$1000 inowning real

Syour
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not own be
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challenging
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ago
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mindset
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and I no cessfully
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Investing
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is task.
not
vested
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Cola
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ten
years
ing
and
expanding
their
knowledge
on
estate
and trading
stocks.the
in
stocks
not
the IAs
zealot,
never
would
haveCola
dreamed
often years
vested
in Coca
stock
quadrant
to the BInvesting
(business
owner)
andasisa giant
options.
a self-proclaimed
real
estate
fact,
at its most
core, its
very all
simple.
The
stock
market
rigged system
for
$10,000
invested
in Coca
Cola stock
(self-employed)
side
Cashflow
financial freedom.
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Weve
heard
the
story
worlds
challenging
task.
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When
I say
story
you$4,100
understand,
ago would
bea worth
today; how to Sachieve
worlds
most losing
challenging
task.
In the in
investing
the equity
Howevago
would
be
worth
$4,100
money.
to see
tremenI quadrant
(investor)
of
the
quadrant.
In
laywere active
investors
inthe
real
and
I never
wouldmarkets.
have
dreamed
of today;
truth
the stock
market
creates
little
old
lady
who
lived
would
worth
$41,000
Ibe
mean
to say
that
youtoday.
understand
toside
Bestate
(business
owner)
andI beganzealot,
fact,isatthat
its core,
its very
simple.
Themodestly
$10,000
invested
in Coca
Cola stock the stock
iner,
theThe
sinkingplaying
real$10,000
esfact,small
at its
core,dous
itsopportunities
very
simple.
market.
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busiafter
202inwith
my
invested
Coca
Cola stock
andyear.
workedInvesting
as a school teachmans
terms,
its
the
mental
shift
from
howthan
the Coca
Colaper
investing
in the Cashflow
equity
markets.
Howevmillionaires
in
If youbespend
$100
I (investor)
side
of
the
quadrant.
In
laytruth is thatevery
theerstock
market
market
even as creates
many people I knew
would
worth more
$41,000
today.
ness owners
with a passion
andis
vision
for 40
years. creates
She never
Corporation
makes
truth
that thetate
stock
market
Cashflow
friend
,who
is
an
active
trader,
would
be
worth
$41,000
today.
someone
who
seeks
financial
security
at
er,
after
playing
Cashflow
202
with
my
stocks,
with
wealth
in
mind,
is
easier
were
losing
money on deals that had gone
yearIf eating
fast food,
why
own
mans
terms,
itssuccess
the mental
shift
from
more
financial
in
millionaires every
year.
earned
moreInvesting
than $35,000in
per
money,
or not
to exyou spend
more
than
$100
per for creating
millionaires
every
year.
Investing
in
and
learning
about
his
trading
system,
I$100 per
If
you
spend
more
than
all
costs
to
someone
who
can
confidently
bad.
Overall,
I
saw
for
the
first
time
optheir lives.
Overall, who
they had
a mindset
Cashflow friend ,who is an active trader,
than
youwith
think.
year, in
owned
a modest
home,
the
the
past
years
someone
seeks
financial security at
press
it ten
in not
Wall
stocks,
wealth
mind,
is easier
yearstock?
eating Over
fast food,
why
own
portunities
all around
me toable
createto
wealth
stocks,
with wealth
inrisks.
mind,
iswas
easier
that I like to
call a Cashsee
the his
opportunity
before
year
eating
fast
food,
why Inot own
and
knowledgeably
and shared her life with two
Street terms,
youhas for prosperity
and
learning
about
trading
system,
all costs
to someonetake
whomeasured
can confidently
than you think. cats. Once she died, her rela- McDonalds
as the newspapers talked constantly
the stock? stock
Over(symbol
the
pastMCD)
tenhowyears
flow mindset.
than you
think.even
understand
me.
now to
fully
expect
that
inten years
thesee
stock?
Overinvesting
the past
is
acomplain
simplistic
definition
very
was I able
the opportunity
before
Invest In What
You Know
risen
from a low
of (symbol
$15
per share
a A lotThis
ofbut
the a
Great
Recession.
and
knowledgeably
take measured
risks.
of people
that Kiyosaki
tives discovered a $150,000
McDonalds
stock
MCD)
the company
earnstohas
markets
a huge
partinvesting
of my fuMcDonalds
stock
(symbol
MCD)
has
important
one
to understand.
the
Today
a resultthe
of
my
in- beexpect
provide
specific
details
on Without
me.
Iongoing
nowwill
fully
that
in
high
$95 per
share.
life insurance
policy and $1.5
This
is athe
simplistic
definition
but a asvery
more to a does not
Invest In What
You Know
risenoffrom
a low
of revenue.
$15 perThe
share
volvement
playing
and
local
Invest
In What
You
Know
ture
financial
success
in
addition
my
risen
from
a low
of $15
per
share to a
how people
should
implement
his strat-doesnt
correct
mindset,
really
matter
million
in stocks
that she
bottles and cans of
theorganizing
markets
will
be a huge
part
of to
my
fuWanna be a good
stock
market
in-left
important
one toitunderstand.
Without
the in Southern
Cashflow
events
California,
egies to create financial freedom in his
Coke that onCoca
high of $95 peraddition
share.
much
you
learn the
howI to
Continued
pg. 12 bookshow
ture
financial
vestor?
Keep
andfund.
start
with
correct
mindset,
haveofmatter
a real
thriving real
estate
investingsuccess in
and
programs.
Truth isithereally
never doesnt
Continued ontopg.my
2
Wanna
be ita simple
good
stock
market
inscholarship
Cola sells around
Wanna
be a business.
good stock
market
inwith one
It
was
after
speaking
spells
out
a
step-by-step
how
to
for
The national
mediawith
loves
Continued
pg. 12
the
world eachon
day,
vestor? Keep it simple
and start
Continued
Continued
on pg. 2on pg. 12
vestor?
Keep itofsimple
and start
my Cashflow
friendswith
who was a real
building long-term financial
freedom.
the larger the comBy Doug Carver
Organizer
By Doug Carver
Cashflow
Meetup
Groups
Organizer
Pasadena
and Burbank
I
I
Ca$hFlow
Yes!
Yes!
By Doug Carver
Organizer Pasadena and Burb
Yes!
can remember my first

ing Robert Kiyosakis
board game about e
ago and how it
started a chain
with me most was not the
how to of playing the
game but the people that
were not like the normal
people in my life that
would tell me I was crazy D
pl
for trying to start my own
real estate business or
that financial freedom was
Doug Carve
without a steady well-paying
the Cas
people I met were play
excited
ab
ing and expanding their kno
how to achieve financial free
were active investors in real
the stock market. They were s
ness owners with a passion
for creating more financial
their lives. Overall, they had
for prosperity that I like to ca
flow mindset.
A lot of people complain tha
does not provide the specific
how people should implemen
egies to create financial freed
books and programs. Truth i
spells out a step-by-step ho
What he does teach is far m
tant, and that is how to creat
flow mindset. Kiyosaki des
his book Cashflow Quadran
your mindset from the E (emp
S (self-employed) side of his
quadrant to the B (business o
I (investor) side of the quadra
mans terms, its the mental
someone who seeks financial
all costs to someone who can c
and knowledgeably take meas
This is a simplistic definition
important one to understand. W
correct mindset, it really doe
how much you learn the how
From
Realty411
Magazine
From the
the Publishers
Publishers ofofYes!
Realty411
Magazine
From the
Publishers of Realty4
I From the Publishers of Realty411
Yes!
NOW IS THE PERFECT TIME TO INVEST.
there are several old ladies

profile year after year. How could
that be?
Investing in stocks is not the
fact, at its core, its very simple. The
truth is that the stock market creates
millionaires every year. Investing in
stocks, with wealth in mind, is easier
than you think.
panys profit. Over

the past ten years Coke stock (symbol
KO) has risen from around $40 per
share to a high of $71 $1000 invested in Coca Cola stock ten years
$10,000 invested in Coca Cola stock
If you spend more than $100 per
McDonalds stock (symbol MCD) has
risen from a low of $15 per share to a
Lori Peebles
Lori Peebles
Augusto
Meneses
Stephanie
Mojica
Augusto
Meneses
Teri Burke
We provide
complimentary
copies closing,
Lori
Peebles
Welike
provid
Ma
Id
to t
PHOTOGRAPHER
one to understand.
Without
for your
CashFlow
group or REIA important
Suzanne
Lilly
mindset, it really doesnt matt
for
your
CashFlow
group or REIA correct
Augusto
Meneses
for
your
TO
RE
how
much
you
learn
the
how
to
of
reC
John
DeCindis
Lawrence
Ruano
feedback
on our
pu
COPY EDITOR
CashFlow Express is published
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Please be aware that
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any potential investm
You are in the right location at the right time to be a

HomeVestors franchisee, what are you waiting for?
estate investor that I was encouraged to

What he does teach is far more imporstart wholesaling distressed properties. It
tant, and that is how to create a Cashturned out to be a great decision. More
flow mindset. Kiyosaki describes it in
recently, Ive begun to learn how to suchis book Cashflow Quadrant moving
cessfully trade in the stock market using
your mindset
fromIn
theWhat
E (employee)
Invest
Youand
Know
options. As a self-proclaimed real estate
S (self-employed) side of his Cashflow
$95
per of
share.
zealot, I neverhigh
would of
have
dreamed
quadrant to the B (business owner) and
investing
I (investor)
sidebe
of the
quadrant.
In layWanna
a good
stock
market
in- in the equity markets. However, after playing Cashflow 202 with my Continued on pg. 12
mans terms, its the mental shift from
vestor? Keep it simple and startCashflow
with friend ,who is an active trader,
someone who seeks financial security at
and learning about his trading system, I
all costs to someone who can confidently
me. I now fully expect that investing in
This is a simplistic definition but a very
the markets will be a huge part of my fuimportant one to understand. Without the
ture financial success in addition to my
correct mindset, it really doesnt matter
Wanna be a good stock market investor? Keep it simple and start with
Continued on pg. 12
Continued on pg. 2
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that the entire process should be scrapped? Putejovsky said,

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Contents - 2014
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No.
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Vol.
1
2012
Passive
Income
for
Today
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By Doug Carver
Organizer
By Doug Carver
Cashflow
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I Earn Cash BACK
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From
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From the
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there are several old ladies
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Investing in stocks is not the
fact, at its core, its very simple. The
truth is that the stock market creates
millionaires every year. Investing in
than you think.
Wanna be a good stock market investor? Keep it simple and start with
the larger the companys profit. Over

the past ten years Coke stock (symbol
KO) has risen from around $40 per
share to a high of $71 $1000 invested in Coca Cola stock ten years
$10,000 invested in Coca Cola stock
If you spend more than $100 per
McDonalds stock (symbol MCD) has
Continued on pg. 12
What he does teach is far more important, and that is how to create a Cashflow mindset. Kiyosaki describes it in
his book Cashflow Quadrant moving
your mindset from the E (employee) and
S (self-employed) side of his Cashflow
quadrant to the B (business owner) and
I (investor) side of the quadrant. In laymans terms, its the mental shift from
important one to understand. Without the

start wholesaling distressed properties. It
turned out to be a great decision. More
recently, Ive begun to learn how to successfully trade in the stock market using
zealot, I never would have dreamed of
investing in the equity markets. However, after playing Cashflow 202 with my
the markets will be a huge part of my future financial success in addition to my
Purchase AND
Continued on pg. 2
Continued on pg. 12
LindaPliag
Continued on pg. 2
Continued on pg. 2
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Article by owner James P. McNamara

FSBO Listing in New Orleans, LA
Asking Price: $2,600,000. (USD)
http://1527harmony.wordpress.com
La Casa de Castille
1527 Harmony Street
Some people remember it as a church,

Westminster Presbyterian, built in the
1920s as a house of worship for a historic congregation started in the 1830s.
The house is filled with plaques commemorating the contributions of their
followers.
The current chapter of this wonderful
structure began in 1999 when we purchased the building. A massive renovation started to make it our home, including all new electrical, heating/cooling
and plumbing systems. We added new
structures, relocated the elevator shaft,
closed in the front yard and added an
amazing living green roof currently
the largest in New Orleans.
Our wedding reception took place in
this building as well. It was before the
ANY DESTINATION
renovation started in earnest.

The band was on the stage
with a sheer curtain revealing
them. The natural illumination of the colored windows
increased the intensity of the
setting. Frenchy, the artist,
painted the scene from the
balcony while guests laughed,
danced and cheered into the
late evening. The guests were
double the number painted but
everyone identifies themselves
as someone painted. There is a
magic in the big room that can
be likened to Matisses chapel
in St Paul de Vence.
Our favorite visitors come
from the people who worshipped here as a church. The
Pedersens celebrated their
wedding in August,1959. Now
living in Oklahoma, they returned with family to celebrate
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their 50th wedding anniversary.

As part of their visit, they wanted
a tour. They brought with them
photos from their wedding. The
alter is currently used as the
dining room, which comfortably
seats 14. With a project this
large, we always moved forward
on things that we both agreed
on. Then there are projects that
we didnt agree should the
first floor waterfall be a metal
sculptured wall or a glass one or
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Cashflow Express - Realty411's Financial Newspaper Is Here

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Ca$hFlow

Vol. 2, No. 3, 2015

Passive Income for Today & Tomorrow

TVs Favorite Fix & Flip Family

Unconventional advice from

cooping a few minutes with

Randy Reiff, CEO of FirstKey Lending

For two long years Tarek admits it was a struggle to pay

the worst recession and housing

ting to outwork and out-study the

Residential real estate investors arent used to having

B2R walked us through the process

At B2R Finance, residential rental mortgages are all

Green Energy Growth Creates

ew Englands electricity prices are

in the next year, according to an

Nuclear plants are also casualties of the same

CashFlow Express Page 3

No. 1 / Vol. 1 2012

estate investing, trading stocks, building

companies and products with which

than you think.

Invest In What You Know

high of $95 per share.

how much you learn the how to of real

Be Social and Receive Updates from Linda Pliagas on

CashFlow Express Page 4

Direct Your Future

Instant Access To Your IRA Funds

Real estate transactions just got easier

The Entrust Group myDirection Visa Prepaid Card

Make faster real estate investments, pay

SOLAR - How REALTORS and

ately, I am sure you have heard the word

Energy efficient and alternative energy homes are

This essentially presents a great

Investors have multiple options:

CashFlow Express Page 6

ALL-NEW 2015 SHOW

Absolutely the No. 1

The highest reaches

San Jose Center for the Performing Arts

Costa Mesa Segerstrom Center for the Arts

The Perfect Gift

Green Energy Creates Investor Opportunities, pg. 3

TVs Favorite Fix and Flip Family, pg. 1

Tarek El Moussa also says he dedicates a lot

that one of the biggest mistakes he sees investors

El Moussa says that to build in sustainability and longevity this time

The Solution: Hydro Renaissance

Hydropower plants capture

ealty Mogul, the online real estate

funding of a Class A property, meaning one of the highest quality buildings

irstKey Lending revolutionized the real estate

Makes 30 Year Loans Available

FirstKeys Express single-property loan

With the introduction of this product, we are giving

target entrepreneurial borrowers in the rental

$1,000,000 through its Fix & Flip program.

Setting Probate Investment Goals

By Leon McKenzie, US Probate Leads

art of the challenge

Unlike other industries, there are opportunities in