CA$HFLOW EXPRESS - Featuring Anthony Patrick With New Harvest Ventures

Ca$hFlow
EXPRESS
Passive Income for Today & Tomorrow
Vol. 2, No. 4, 2015
PRICELESS
Living the American Dream

Anthony Patrick and His Team
Profit in So Cals Inland Empire
By Lori Peebles, staff writer
tep into the world of Anthony Patrick,

the CEO of New Harvest Ventures,
LLC. Hes a real estate investor who
loves sharing his wealth-building secrets
with everyone he meets. Patrick believes
education is an important path towards fulfilling the American Dream; and hes doing
his part to help improve peoples lives by
offering his knowledge to all who seek it.
Recently, we stepped into Anthony
Patricks latest wealth-building three-day
seminar. Our team exited the program and
bus tour inspired and eager to implement
the techniques we learned.
It is evident from his easy-manner and
frankness that Anthony Patrick truly enjoys
what he does. He says he loves to motivate
people and give them the knowledge to
start their own path towards success.
After attending his bootcamp, his students are enthusiastic about also getting
into the business of scooping up neglected
houses, which nobody seems to want,
fixing them up, and then selling them for
a huge profit. What a great way to clean
up neighborhoods and build wealth at the
same time! Its truly the American Dream for
Patrick, his wife, Mindy, and their team of
business partners.
Over the years, Anthony Patrick from
Rancho Cucamonga, Calif., and his partner,
Richard Endrosolin from Ventura, Calif.,
have mastered the art of flipping houses. It
certainly wasnt easy at first and they both
made costly mistakes along the way, but
now they are reaping the financial rewards
of staying in the game.
Patrick admits real estate gets him excited. He says the entire transaction process is enjoyable. This business is truly my
passion. I feel blessed that I can do it and
that real estate is my lifes work.
Because Patrick went through the
countless trials and errors of learning

the business, he says he has a lot of
empathy for his students. Ive been
through everything and anything you
can imagine when it comes to flipping a home, he explains. He knows
about the rewards and the pitfalls too.
During his three-day bootcamp,
Anthony takes investors from around
the country on a tour of his local area,
to see the deals he has done, and
those that he is actively rehabbing.
He works with them side by side,
explaining his methods and reasons
for doing things the way he does.
Theres a logic to every step in flipping houses, Patrick says.
Continued on pg. 14
Resources for Investors - Tips from National Pros
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Investor
Plano, TX
Residential real estate investors arent used to having

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equity from their rental properties. Until now.
B2R walked us through the process

and made sure we were
comfortable every step of the way.
- Brian Evans
At B2R Finance, residential rental mortgages are all

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CONTENTS
pg. 21
pg. 12
Colony
American
Finance
wants to
Jumpstart
Your SFR
Portfolio.
Alia Ott and her

partner, Terri
Garner, are
bullish about
investing in self
storage. Read
about Alias
journey in this
fascinating
niche.
pg. 18
The American Dream Is Realized
Publishers Letter - Due Diligence
From Rehabbing Homes to Hotels
10 Its Time to Self Direct Your Future
pg. 6
12 Colony American Finance Wants to

Jumpstart Your SFR Portfolio
15 Lending Money with Land Trusts
18 Senseis Secrets to Tripling Profits
20 The Dangers of Turn-Key Rentals
21 Cashflow without Tenants or Toilets
22 Cant Find Leads? Go with Probate!
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CashFlow Express Page 3
Photographs above: Step inside

Stacee Nelsons hotel rehab in Texas.
PRIVATE MONEY LOANS
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course, is our newspaper CashFlow Express, which is directly distributed at
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er Real Estate Wealth, because of
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1604 Grant Ave., Novato, CA 94945
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laythe
will be
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my fuimportant
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er, markets
after playing
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202ofwith
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mans terms,
itsunderstand.
the mentalWithout
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ture
financial
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in
addition
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my
correct
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Cashflow friend ,who is an active trader,
someone who seeks financial security at
how
much
learn who
the how
to of real
and learning about his trading
system,
all costs
to you
someone
can confidently
Continued
on pg. 2I
was able to see the opportunity before
and knowledgeably take measured risks.
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
how much you learn the how to of real
By Doug Carver
Organizer Pasadena and Burbank
Cashflow Meetup Groups
I
I
By Tyrone Jackson
TheWealthyInvestor.net
companies and products with which

you are familiar.
If youve ever opened a can of
Coca Cola on a hot summer day and
felt refreshed and invigorated, why
not
own the and
stock?
Its a product
you
companies
products
with which
know
a story you understand.
you arewith
familiar.
When
I say a ever
story opened
you understand,
If youve
a can of
ICoca
meanCola
to on
saya that
you
understand
hot summer day and
the Coca Cola
felt refreshed andhow
invigorated,
why
makes
not own the stock?Corporation
Its a product
you
money,
or to exknow with a story
you understand.
press
it in Wall
When I say a story
you understand,
Street
terms,
you
I mean to say that you understand
understand
how
how the Coca Cola
the
companymakes
earns
Corporation
revenue.
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money, or
exbottles
of
press and
it incans
Wall
Coke
Street that
terms,Coca
you
Cola
sells around
understand
how
the
world
each
day,
the company earns
the
larger The
the comrevenue.
more
panys
Over
bottlesprofit.
and cans
of
the past ten years Coke
Cokestock
that(symbol
Coca
KO) has risen from
around
per
Cola
sells$40
around
share to a high of $71
$1000
inthe world
each day,
vested in Coca Cola
thestock
largerten
the years
comago would be worth
$4,100
panys
profit.today;
Over
$10,000
invested
Coca
Cola
stock
the past ten
years in
Coke
stock
(symbol
would
be worth
$41,000
today.$40 per
KO) has
risen from
around
If you
more
$100 per
share
to aspend
high of
$71than
$1000
inyear
eating
fast Cola
food,stock
why ten
not years
own
vested
in Coca
the
the past
ten today;
years
ago stock?
would Over
be worth
$4,100
McDonalds
stock
(symbol
MCD)
has
$10,000 invested in Coca Cola stock
risen
a low $41,000
of $15 per
share to a
wouldfrom
be worth
today.
high
$95spend
per share.
If of
you
more than $100 per
Yes!
Yes!
From the Publishers of Realty411 Magazine
You can be
rich from
owning real
By Tyrone Jackson
estate and trading stocks.
TheWealthyInvestor.net
Weve all heard the story of the
little old lady who livedYou
modestly
can be
and worked as a school teachrich from
er for 40 years. She never
owning real
earned
more
than $35,000
estate and
trading
stocks. per
year,
owned
modest
Weve
all aheard
thehome,
story of the
and
her who
life with
littleshared
old lady
livedtwo
modestly
cats.
Once she
herteachrelaand worked
as adied,
school
tives
discovered
a
$150,000
er for 40 years. She never
life
insurance
policy
and $1.5
earned
more than
$35,000
per
million
in stocks
that she
left
year, owned
a modest
home,
to
elementary
schools
andthe
shared
her life with
two
scholarship
cats. Once fund.
she died, her relaThe
national
media
loves
tives discovered a $150,000
to
these stories.
seems
lifeairinsurance
policy It
and
$1.5
there
old she
ladies
millionarein several
stocks that
left
who
fit elementary
this seemly schools
unique
to the
profile
year fund.
after year. How could
scholarship
thatThe
be? national media loves
in stocks
is not the
to Investing
air these stories.
It seems
worlds
challenging
task. In
there aremost
several
old ladies
fact,
core,seemly
its veryunique
simple. The
who atfititsthis
truth
is
that
the
stock
market
profile year after year. Howcreates
could
millionaires
every year. Investing in
that be?
stocks,
with wealth
in mind,
easier
Investing
in stocks
is isnot
the
than
you think.
worlds
most challenging task. In
fact, at its core, its very simple. The
Know
truthInvest
is thatIn
theWhat
stockYou
market
creates
millionaires every year. Investing in
Wanna
be wealth
a good in
stock
market
instocks,
with
mind,
is easier
vestor?
it simple and start with
than youKeep
think.
LindaPliagas
Published by Realty411 Magazine

Invest In What You Know
Wanna be a good stock market investor? Keep it simple and start with
year eating fast food, why not own

Continued on pg. 12
the stock? Over the past ten years
McDonalds stock (symbol MCD) has
risen from a low of $15 per share to a
high of $95 per share.
Continued on pg. 12
Continued on pg. 2
LindaPliagas
an investor. To contact us, please call (805) 693-1497.
Real estate, and all investing, is risky and may result in the entire
loss of your principal investment. Please invest responsibly.
Be Social and Receive Updates from Linda Pliagas on

Facebook, Twitter, LinkedIn, Pinterest, Ning, and Google+
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REHAB
From Rehabbing Homes

to Renovating a Hotel
T
Interview
By
Linda
Pliagas
hroughout the years, I have met many phenomenal

people at our live events throughout the country. One
of the perks about this business is that after a while
you begin to know some on a personal level and begin
to follow their progress as an investor. When I met
Stacee Nelson years ago, she was busy rehabbing a single family
residence in Santa Barbara. The project was a major rehab and
the property was stripped down to the bare bones. Nelson is not
one to shy away from complicated deals, she takes on projects
with certainty and confidence. Its been interesting to follow Nelson through her progression from rehabbing single-family homes
to her risk-taking efforts in purchasing water-front properties,
REO tapes, and now even a hotel.
LINDA: How long have you been investing in real estate?

STACEE: I purchased my first condo when I was 22 and then
didnt invest in anything for a long time. When I was living in Germany I started going to real estate auctions at the courthouse. My
friend was buying properties to renovate and hold. I tagged along.
In 2011, living in Santa Barbara, I began my formal education in
real estate investing and purchased my first flip house in 2012.
LINDA: I even saw one of your projects in Santa Barbara a
couple of years ago. What attracted you to the hotel niche?
STACEE: The idea of renovating an empty building into a small
boutique hotel was initially the idea of my business partner. At the
time we were looking for alternative passive income opportunities
as well as ways to create a positive impact on communities. An opportunity presented itself in the form of an empty 15,000 square foot building
directly on the town square in Gonzales, Texas. The town was keen to
redevelop their downtown, which made for a win-win opportunity.
Continued on pg. 8
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From Rehabbing Homes to Renovating a Hotel, pg. 6
LINDA: Was it easier to take on the challenge

and expense of a hotel rehab after doing
many single-family home deals?
STACEE: Initially we thought it would be a
comparable project, just larger in scope. What
we learned was that renovating an empty building into a hotel with individual plumbing, HVAC,
cable, etc. was far more complicated and costly
than anticipated. Certainly having a background
in single-family home renovations was crucial in
the planning and budgeting, but we were surprised by the sheer volume of issues that arose
during the construction phase. The next one will
go much more smoothly as a result of the number of lessons we learned.
LINDA: Tell us about the hotel. Where and
how did you find it?
STACEE: My business partner has a long-time
family friend living and investing in the town.
He made the initial introductions to the towns
economic development council who were very
interested in supporting business growth in the
area. Their support was a critical factor in the
decision to purchase in Gonzales, Texas.
We toured numerous vacant buildings in the
area until we found one large enough and with a
perfect location directly on the town square.
LINDA: How long did the rehab take? Did the
entire property have to be worked on or only
a section?
STACEE: The rehab took over a year to complete. There were a number of delays in the
project especially when our initial contractor was
removed from the project. One of our important
lessons from this project, was to have a project

manager on-site during the construction phase.
The volume of issues was simply magnified by
one hundred versus a single family renovation.
Our hands-on project manager made the difference in our ultimate success and project completion.
To provide an idea of the complexity of a
project like this: the smoke and fire alarm systems had to be coordinated with the installation
of electricity and plumbing (water sprinklers),
the HVAC system required coordination in timing with the electrician, drywall installer (ceiling vents) and the roofer (where the systems
are housed), the water coming into the building
had to be separated between the hotel and the
restaurant located on the ground floor, and the
elevator turned into a complicated project all by
itself.
LINDA: What was the biggest lesson youve
learned from this transaction?
STACEE: Rather than give one, Im going to provide a few lessons we learned from this project:
For large projects, invest in a project manager
who is on-site and regularly reporting on progress.
Have the contractor regularly send pictures
and review before progress payments are made.
Its a necessity to have a detailed project plan
and budget agreed on, in writing, by the contractor. We thought we had sufficient detail in our
initial project summary based on our housing
rehab experience. What we learned is you cant
be to detailed oriented in the budget and planning phase. The more detailed the budget and
contractor commitments are, the better.

Include a split between labor and materials so it is very clear for both sides, especially
when you choose materials. Have the contractor sign the agreements. Budget sufficiently for
contingencies. The larger and more complex the
project is, the greater the likelihood for additional
unplanned expenses.
Have an agreed process for change orders
that includes approving changes and costs before the work is completed.
LINDA: How is the hotel performing now?
What are your goals with the property?
STACEE: The hotel looks fantastic. The reviews
of the guests who have stayed there are overwhelmingly positive. While we positioned the
boutique hotel to provide executive-style accommodations for the local oil industry, the majority of our guests thus far are visiting Gonzales,
Texas, for the regional rodeo events, the hot rod
show, the summer concert series, and many historical events. Gonzales, Texas is known as the
place where the first shot of the Texas Revolution was fired.
LINDA: Wow, that really sounds exciting!
Now, In addition to hotels and single-family
homes, your company also invests in Marina
and resort properties around the world, is
that correct?
STACEE: Yes. We looked at a variety of different passive income and commercial real estate
opportunities and decided that marina and resort
properties were ideal: It is a relatively untapped
Continued on pg. 28
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Its Time to Self Direct Your Future

But even those who are aware of the
potential financial power of selfdirected IRAs often do not fully
comprehend the IRS guidelines
of prohibited transactions, according to Hall.
Youre not allowed to have
any personal benefit from your
IRA prior to retirement, Hall
says.
A common misconception
among investors is that they can
use the self-directed IRA funds
to purchase real estate or other
property from themselves or close
relatives such as a spouse, a child, a
grandchild, a parent, a grandparent and
any spouses of such relatives. These transactions are not permitted under self-directed IRAs,
according to Hall. However, an investor could
purchase property from a more distant relative
such as a sibling, a cousin, a niece, or an uncle.
Make sure you know what youre doing, Hall
says. Were here to help people so they understand the twists and turns as much as possible.
Ive educated
tens of thousands of people
about the use
of self-directed
IRAs and
uDirect IRA
Services is set
up to serve and
By Tim Houghten, staff writer
elf-directed individual retirement accounts or IRAs are rapidly growing in

popularity, but experts warn that it is
important to only get into such an investment with proper education and professional
guidance.
Kaaren Hall, owner of uDirect IRA Services in
Orange County, California, says even after more
than two decades in the financial industry and
six years of running her company, she too must
continually stay on top of her investment education, particularly regarding Internal Revenue
Service guidelines for retirement accounts.
Self-directed IRAs allow people to invest their
retirement funds into a variety of options outside
of the traditional stock market, including real
estate, land, and private notes.
Financial literacy is not taught in schools, but
our future depends on understanding it, Hall
says. Only about 4 percent of U.S. investors
have a self-directed IRA. Why?
Because most investors and many advisors
simply arent aware of it.
Financial literacy is not taught in schools,

but our future depends on understanding
it, Hall says. Only about 4 percent of U.S.
investors have a self-directed IRA. Why?
educate self-directed IRA investors.

The term self-directed in
itself misleads some people
because it is the IRA doing
the investing, Hall adds.
So thats confusing
because they get into
trouble by maybe signing a purchase contract
(in their own name), she
says. Your IRA cant buy
an asset that you own.
Consequently, people
should wait until they actually
open an account with a qualified custodian before funding it and
making transactions, Hall says. Generally, a custodian rather than the actual investor
should sign purchase contracts relevant to selfdirected IRAs.
While representatives of companies such as
uDirect IRA do not give actual investment advice due to potential legal liability, they can help
people follow ever-changing IRS guidelines.
Hall, a former mortgage broker whose work
history includes Bank of American and Indymac
Bank, has educated tens of thousands of investors into deciding whether self-directed IRAs
are right for them. She and her associates have
directly worked with thousands of clients.
To learn more about self-directed IRAs, call
866-447-6598 or visit: www.uDirectIRA.com
We understand the details and challenges involved with property development and can work with you through the phases of development to
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REALTY411
EVENTS
SEATTLE, WA - Network in the Northwest

LOS ANGELES - CA$HFLOW Expo West Coast
With Real Estate Association of the Puget Sound Network with investors from around the nation!
August 15th - 9 am in Bellevue, Washington
September 19th - 9 am, Complimentary Book
LAS VEGAS, NV - 2nd Viva Las Vegas Expo

NAPA VALLEY, CA - CRUSH It Expo 2015
Event hosted with Real Estate Insiders Club
Hosted by BAWB, Bay Area Wealth Builders
October 3rd - 8 am, Its Harvest Time in Napa October 24th - 9 am, Play & Learn in Vegas
NEW YORK CITY, NY - CA$HFLOW Expo East

Hosted with REIA NYC - Meet Us in Manhattan
November 7th - 9 am, Focus on Finance
DALLAS, TX - Giving Thanks / Giving Back

Lone Star State Expo with Dennis Henson, AREA
November 21st - 9 am to 5 pm, Charity Expo!
Our expos recently received exposure here:
Colony American Finance Wants

to Jumpstart Your SFR Portfolio
By Jennifer Goralski, Vice President
o you think that

you might have
missed the boat
to invest in singlefamily rental homes? The
answer is a resounding NO!
We all remember
2005-2007, when it
seemed that investors couldnt make a
mistake in the residential fix and flip
market. Investors
with little experience
were able to outbid the competition, slap
some minor paint and carpet improvements, and then sell their properties for
incredible returns. But then the bubble
burst, and many investors were left with
homes that couldnt be sold or in some
cases, even given away. They had two
choices: Give up the properties through
foreclosure or become a landlord.
RENTAL DEMAND
OUTPACES EXPECTATIONS
Statistics show that nearly 35% of
Americans now rent instead of own.
Drill further into the statistics and youll
find that 35% of renters choose singlefamily homes and 19% choose duplexes,
triplexes or fourplexes. With these two
categories encompassing 54% of all
rental choices, it makes perfect sense
that investors are looking to 1-4 unit
properties instead of owning larger multifamily apartment-style buildings. 1-4 unit
properties have a lower price point, the
ownership risk is spread out among multiple structures, and the overall expense
ratio is lower. Renters in single family
housing tend to pay their own utilities,
maintain the landscaping themselves
and have access to municipal water/
sewer/garbage at a much lower rate than
through private service.
Rental demand is projected to
change significantly over the next ten
years, primarily driven by the changing
nature of the household. Baby boomers are moving in with their children or
into senior housing, and millennials are
favoring renting over owning because of
its flexibility and lower commitment level.
Being well versed in the changing market
is the key to having a profitable portfolio.
Also noteworthy is that there are an
estimated 14 million rental homes owned
Rental demand is projected to change significantly over the next ten years, primarily driven by the
changing nature of the household.
by non-institutional investors in the United
States most of which are owned free and
clear. Quick math: Using 14 million rental
homes at an average value of $100,000 each,
thats potentially $1.4 trillion in new loans that
can be originated and re-invested into the
market.
Colony American Finance has multiple
financing options available so you can access your portfolios equity and quickly put it
to work to buy additional properties, invest in
your childrens education, or simply replenish
your cash position.
KNOWLEDGE IS POWER
The savviest investor will do three things:
Research, research and more research.
Mortgage brokers and real estate brokers
have invaluable information, such as market
trends and vacancy rates, as well as access
to properties that might not be listed for sale.
But its significantly more critical for investors
to have access to capital: Both liquid cash
and innovative financing.
No longer is the SFR rental market monopolized by private money loans with steep
interest rates and fees or the more traditional
Fannie/Freddie product that caps out at 5-10
properties. Colony American Finance provides

non-recourse term loans for stabilized portfolios and fix and flip lines of credit for acquisition funding.
FIX/FLIP LINES OF CREDIT

If you want to grow your portfolio or perhaps dont yet own a rental portfolio, a line
of credit is definitely the right choice. Colony
American Finance offers two different line of
credit options, depending on investor experience and short-term/long-term goals.
Our Entrepreneurial Line of Credit is a
non-revolving, declining line designed for the
investor who does less than 20 fix/flip projects
per year and only within the 1-4 unit residential arena. Line amounts start at $500,000
and go upwards of $5,000,000. Borrowers
have 12 months to utilize the proceeds and 12
months to pay back each draw. This loan has
no prepayment penalties.
For the more active investor, our Institutional Line of Credit offers additional flexibility
as it allows for both residential 1-4 unit properties and commercial properties up to 20
units. The Institutional Line of Credit is also
a revolving line, meaning you can access the
funds multiple times. Line amounts start at
RealtyMogul.com Adds Two Top

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$3,000,000 and can go as high as $50,000,000.

Borrowers have 12 months to access the proceeds and typically nine months to repay each
draw. This is a non-recourse loan and has no
prepayment penalties.
Also important to note is that you can utilize
either the Entrepreneurial or Institutional Line of
Credit to build your own personal rental portfolio.
Once you have completed the renovations on
your fix/flip properties, you can look to refinance
your holdings into one of Colony American Finances term loans.
NON-RECOURSE TERM LOAN OPTIONS

If your SFR rental portfolio has five or more
properties, Colony American Finance is your option for attractive financing options. Our loans
are underwritten like a commercial loan, which
means no more debt-to-income ratios hurting you
when qualifying. Rather, your portfolio is underwritten on the assets and the cash flow generated
from those assets. Plus, because we lend across
the U.S., a single-term loan can be made on portfolios with holdings in multiple states.
Our rates are competitive with traditional
FNMA loans, are amortized over 30 years and
can be fixed for five or ten years. Our loan
amounts start at $500,000 and can go up to $100
million and almost all term loans are available
on a non-recourse basis. Important too, is that
borrowers can have multiple tranches of loans to
facilitate estate planning or property management
issues.
REGIONAL STRATEGIES
Auction.com recently released data that
showed investors are favoring buy-and-hold
strategies over fix/flip on a nationwide basis, but
that investor intent varies between online/offline
investors, regions, and property prices. Midwesterners and Southerners are more likely to
buy and hold whereas those in the Northeast are
more likely to fix/flip. Investors in the western
states are evenly split between fix/flip and buy/
hold strategies.
Whatever your investment style, we have the
capital for either strategy. Its an exciting time
to be an investor; trends indicate that the rental
market will continue to improve over the next
decade. Colony American Finance is ready to
provide meaningful and cost-effective financing
options for your portfolio.
-Jennifer Goralski has been a lender since 1993
and has an in-depth knowledge of single family home portfolio lending. She is available to be
reached at 310.752.5287 or at Jennifer.goralski@
colonyamericanfinance.com
ealtyMogul.com, the online

marketplace for real estate investing, announced
that Michael Sanchez and
Charles H. Kim, CFA will join the companys Commercial Lending Division.
RealtyMogul.com recently secured
$250 million in capital commitments
from institutional investors for bridge
and permanent lending in commercial
real estate, and Sanchez and Kim will
further facilitate the companys explosive growth and expansion in the
commercial real estate debt markets.
Sanchez and Kim, who helped
launch Colony Mortgage Capital in
2013 and have originated and executed nearly $1 billion of senior and
mezzanine loans since its inception,
will be responsible for generating substantial new commercial business for
RealtyMogul.com.
They will lend their considerable
experience to provide strategic counsel on the real estate capital markets.
High caliber talent such as Michael and Charles are rare. Its a testament of RealtyMogul.coms market
position and platform that these two
industry leaders would choose to join
our team from Colony Capital, said
Jilliene Helman, CEO of RealtyMogul.
com. We are thrilled they are coming aboard our platform, as they will
help us further
build RealtyMogul.com into
a world-class
commercial real
estate capital
markets player.
Sanchez has
over 25 years
of commercial
Sanchez
real estate
experience, with
an emphasis
on structured
finance and
portfolio management.
Sanchez
earned a B.S.
degree in real
Kim
estate finance
from California
State Polytechnic University.
Kim brings an equally impressive track
record in real estate finance, with more
than 15 years of experience in origination,
underwriting and execution of financing
transactions across various asset types.
He holds a B.S. in management science from University of California, San Diego, and has an MBA from USCs Marshall
School of Business. He also holds the
Chartered Financial Analyst designation.
Real Estate IRAs

Residential, commercial, notes,
fix and hold, fix and flip, and more.
NewDirectionIRA.com
(877)742-1270
Anthony Patrick credits his success to his team of experts. They make work not only
profitable but also fun. Anthony says he surrounds himself with people he cares about
and his team includes his wife, Mindy Booker (red shirt), and his sister, Elvie Gil-Jund
(white shirt), and long-time friend Richard Endrosolin (green shirt). His broker, Scott Cheramie (red tie), is also an important part of New Harvest Ventures, LLC, as well as team
members Robert McGrauth (ivory shirt) and Joe Lopez (black shirt).
Living the American Dream: Anthony Patricks Testimonial, pg. 1
Anthony Patrick holds the future

in his hand. As an entrepreneur
and real estate investor, Anthony
Patrick likes to be in control of
his future and says real estate has
fulfilled his American Dream.
Anthony Patrick has rehabbed hundreds of homes in the Inland Empire.
Anthony Patrick was a guest speaker at a MORSynergy event produced by MOR Financial.
Everything is explained and everything is revealed.

Anthony often repeats himself just to ensure that everyone understands it. Patrick realizes that many of his
students are embarking into unknown territory, and as
he states, doesnt want you to make the same mistakes that I made when I learned the business.
Every few months, Patrick disembarks with a bus
load of eager students from throughout California and
around the nation. Investors of all ages are anxious
to learn how to rehabilitate distressed properties and
make a handsome profit doing so.
Patricks American Dream was realized through real
estate. He began as a handyman, then graduated to a
real estate inspector. Today, he has flipped hundreds
of houses and has also shared the stage with influential leaders of wealth, such as Donald Trump, Suze
Orman and Ron LeGrand.
Although he prides himself as being a self-made
man, Patrick acknowledges that hes had a lot of help
to get where he is today.
My beautiful wife, Mindy, is my right hand. And
I have a phenomenal team of brokers, real estate
agents, rehabbers, contractors and investors who have
been instrumental to my success.
Patrick describes himself as a man of faith: God
has guided my way throughout this journey, he confides.
Before we conclude the interview, we asked Patrick
if he had any last-minute suggestions for our readers. He replied: Dont wait to invest, start now. Many
people dont believe they have the money to start
investing, but did you know that you could use some of
your homes equity or your 401(k) retirement plan from
work? You can even use money from your IRA account
to get started.
Patrick believes almost anyone can succeed in
real estate with the proper mentor, education, motivation, and passion.
Sign up for one of Anthonys weekend seminars. They
are held in Rancho Cucamonga, Calif. The teams
mission is to transform the lives of others and improve
their quality of life. Call Anthony Patrick at New Harvest Ventures, LLC and ask how you can sign up to
learn the art of successful real estate investing.
For information, call (909) 694-2221.
By Randy Hughes,
Mr. Land Trust
and look at this from the lenders

viewpoint. If I were the lender I
would want to have the title
checked to make sure the property
being borrowed against was in fact in
the Land Trust that I was lending
to. I would also want to make sure
there were no other loans against the
property (other than what might have
been represented by the borrower).
Furthermore, I would demand the
filing of a UUC-1 form that would
secure my position against
the Beneficial Interest (which is
personal property NOT real estate).
I would also want a statement from
his article will discuss the

ins and outs of borrowing
money when property is
held in a Land Trust AND
how to lend money to a Land Trust
using the property in the trust for collateral.
First, it is important to understand
that if you are buying property and
financing it through a conventional
loan that must be qualified using
secondary market guidelines, you
will generally NOT be able to close
directly into your Land Trust. The
only exception to this rule (that I am
1 and repossessed without going to

court. This process works really well
when selling to long-term tenants that
you want to convert to buyers of the
property they live in.
This article has discussed the
methods of borrowing and lending on
property that is held in a Land Trust.
We learned that using a Land Trust
to hold title to investment real estate
provides many ways to creatively
finance property.
We also learned that borrowing
money on property held in a Land
Trust gives the borrower many more
options than conventional lenders
provide. Additionally, we learned that
Borrowing and Lending

Money with LAND TRUSTS
aware of as of this writing) is Bank of
America. If you are buying property
in Illinois AND using an Illinois Land
Trust Agreement, BOA
will let you close directly into a Land
Trust. This leaves 99% of the rest of
us out in the cold.
However, BOA (and many other
conventional lenders) will only allow
you to obtain four secondary market
loans and then they cut you off! So, if
you are very active in the real estate
game you will be forced to obtain
your loans via a Portfolio Lender
(where the loan is NOT qualified
in the secondary market) or Private
Lenders. Most Portfolio
Lenders WILL let you close directly
into your Land Trust (with your
Trustee signing the mortgage on the
property held in trust as collateral for
your loan).
Closing directly into a Land Trust
is the smartest way to obtain title because your personal name is NEVER
in the chain of title. It is much easier
to use a Private Lender when borrowing money using a Land Trust. And
you can be much more creative using
a Land Trust (especially when there
are multiple Private Lenders involved) than if you held title in your
own name.
Case in point. Bob needed $50,000
to fund his next real estate deal, but
he did not want to go to a bank to
borrow the money. Not only do banks
charge high interest rates but they
want full collateral no matter how
much money you want to borrow.
Bob had $100,000 of equity in one
of his properties, but only needed
$50,000. If Bob borrowed from a
bank they would require Bobs entire
equity to be used as collateral for a
$50,000 loan (50% Loan-to-Value).
Since Bobs property was held in
a Land Trust he could assign varying

percentages of the Beneficial Interest
to multiple Private Lenders. For example, he could borrow $10,000 from
five different Private Lenders and
give them each an Assignment of Beneficial Interest equal to the percentage
of ownership in the Trust (equity =
$100,000 / 10,000 = 10%
ownership per Private Lender).
Some of the other advantages of
borrowing this way are; no credit
check, no public knowledge of the
transaction, no reporting to the credit
agencies and the remaining equity is
still available for additional borrowing, if needed.
Lets turn the tables on this scenario
the Trustee of the Land Trust confirming her knowledge of my loan and
security interest given.
In Ferraro V. Parker 229 So2d 621
(1969) the court ruled that a collateral
assignment of a beneficial interest in
a Land Trust would not be treated as
a mortgage, nor require foreclosure
nor entitle any party to any redemptive rights. However, Illinois case
law indicates that, where a trust is
created simultaneously with a financing arrangement, it might be deemed
a mortgage. The bottom line to all
of this legal talk is that if the Trust
Agreement is created PRIOR to a
financing arrangement, the Beneficial
Interest can be secured by a UUC-
selling property held in Trust to current tenants is more secure and less
risky than conventional contract sales.
Randy Hughes
aka, Mr. Land Trust
P.P.S. If you want to jumpstart your
Land Trust education, go to my online
FREE training right now for more on
how to create your own Land Trusts
immediately. Here is the link:
www.landtrustwebinar.com. If you
have a Land Trust question pick up
the phone and call me! I actually answer my own phone. 866-696-7347 or
email: randy@mrlandtrust.net
N
O
P
M
JU E BUS!
TH
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u
B
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i
m
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p
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O
Join
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FOR ANTHONY PATRICKS

LIFE-CHANGING MENTORING
PROGRAM THAT WILL TEACH
YOU THE MONEY-MAKING
ART OF FLIPPING HOUSES
HANDS ON!
Contact us today
for more info
email: Anthony@NewHarvestVenturesLLC.com www.NewHarvestVenturesLLC.com
www.REIROADMAP.com
Take Your Life Back!

LEARN TO BUILD WEALTH
AND FINANCIAL FREEDOM
THROUGH REAL ESTATE
IN 3 INTENSIVE DAYS, MENTOR

ANTHONY PATRICK WILL TEACH YOU:
How to find great investment properties
How to manage contractors
How to estimate repair and building upgrades
How to never overpay for repairs again
Which upgrades will provide the best return
How to inspect properties with confidence
How to develop a real estate investment team
How to analyze a rehab project to prevent over-spending
How to determine if a property will qualify for FHA financing
How to avoid pitfalls & more...
Learn It!
Live it!
Do it!
FOR AN INCREDIBLE
LEARNING EXPERIENCE!
909-694-2221
Anthony@NewHarvestVenturesLLC.com
www.NewHarvestVenturesLLC.com
This is a true Hands On

and Step-by-Step experience. Theres not better
way to learn than having
Anthony Patrick and the
power team there to hold
your hand.
Edwin and Anita Mizunaga

Rancho Cucamonga
Turnkey rentals are great. They provide automatic passive income and all the perks of
direct investment in property. But is that the
best you can do in returns and getting ahead?
eal estate is the investment for intelligent investors today. But where
do you find the time and great
returns without sacrificing everything else you love doing?
The Status Quo & Investment
Strategies that Fit
There appears to be nothing safer to invest
in than real estate today. The returns are
pretty attractive too. But when sophisticated
investors and busy professionals look at how
most others are investing, it can start to appear challenging.
If you are a doctor, lawyer, professor, or
even successful artist you dont want to
ditch a great career you are passionate about
to start from scratch learning about being a
landlord.
Now hands-on fixing and flipping houses
and managing your own rental properties can
be great for those who dont really love their
jobs, or need a new source of income. But
its a different story if you are already putting
in 40 hours a week in something you like. Or
Real Estate Investing:

How to Make 3 Times
More Returns Than
Your Friends
if you are already financially independent and
dont want to cramp your free lifestyle.
If this is you, your friends might be invested
in REITs, real estate company stocks or even
turnkey rental property programs. These can
be great ways to diversify a portfolio. But
stocks and REITs are really too volatile.
Turnkey rentals are great. They provide
automatic passive income and all the perks of
direct investment in property. But is that the
best you can do in returns and getting ahead?
You Cant Afford Not to Demand More

The problem is that the vast majority of individuals and couples are way behind on retirement savings and wealth building. The average 401(k) balance is only around $100,000.
Recent data from the Federal Reserve shows
that retirement savings and investment balances drop to almost half by the time individuals are in retirement.
That means retirees are burning through half
of their retirement funds within a year or two
of exiting the workforce. Data 360 reports the
average life expectancy in the United States is
now just shy of 80 years old, and rising.
The bottom line is that whether you have
double the average savings or even eight

times your salary saved today it just isnt going to be enough. Not by a long shot. So how
do you get ahead?
Continued on pg. 28
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Have you
ever done
business
with this
guy?
Yeah, hes the lender who promises low rates and terms, but never closes your deal. Hes also the guy who
asks for upfront money just to "look" at a deal, but doesn't return a phone call. You know, the guy who promises
everything, but never delivers. Avoid having to deal with this guy by establishing relationships with reputable
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Pitbulls 38th National Hard Money Conference and maybe, just maybe you will never have to do business with
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Questions? Just give us a call at
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LANDLORD
More and more sellers

are throwing out the term
turn-key rental property
in hopes they can attract
out-of-state buyers. But
what do they really mean
by turn-key?
I heard a fellow podcaster
state recently that all you have to do to provide turn-key property is buy a home, get it
rented, put it under management and voila!
You can flip turn-key property at retail pricing to eager out-of-state investors!
This is certainly not our definition of
turn-key. Unfortunately, turn-key means absolutely nothing anymore.
Uneducated buyers assume turn-key
means that you dont have to do a thing. The
belief (or false hope) is that someone else
DANGERS
By Kathy Fettke, Real Wealth Network
does the buying, renovating, leasing and management of your rental property, and all you have to
do is deposit rent checks.
Unfortunately, most of these misinformed
investors end up writing checks and making few
deposits.
The problem is that most people trust what
other people tell them. They believe the marketing message.
For example, have you ever bought Fiji
water? The marketing is beautiful and makes you
feel like youre drinking right out of a waterfall
on a tropical island. But the Cleveland Water
Department ran tests comparing Fiji Water to
Cleveland tap water and found arsenic, human
feces and other contaminants in the Fiji Water.
False advertising is often used to market turnkey properties.
At Real Wealth Network, we are constantly
bombarded with companies who want to come
speak at our events. Before they can do so, they
must be thoroughly vetted to determine if their
version of turn-key is the same as ours.
I noticed one company was especially
savvy at internet marketing. From the
looks of their marketing, they
appeared to have a quite an impressive system in

place, so I decided to pay a visit.
What I found was the owners were very
young in their 20s and had only a couple years
experience in real estate. When they showed
me their available properties, I thought we were
walking through their newly acquired homes just
out of foreclosure and in pre-renovation phase.
You can imagine my horror when they proudly told me these were their turn-key homes. It
appeared that no renovation had been done at all.
In fact, there was not even a handle on the very
old, rusty oven.
I told them their properties did not meet our
strict criteria, and they quickly replied, Thats
OK. Weve already sold these to out-of-state
investors. We have a wait list.
I asked if the buyers ever came to see what
they were buying. They said, Never.
These kids were expert internet marketers.
They were not turn-key rental operators. I was
amazed at how trusting their buyers must have
been to unknowingly purchase such garbage.
The 10 Most Common

Signs of Dangerous TurnKey Rental Operators
Real estate investing is really not hard to get
right IF you use the protective measures available to you like property inspections, appraisals
and rent verifications.
When it comes to working with
a turn-key property company, here
are just a few of the things we
look for at the outset when vetting
teams.
1. Inexperienced Operators
If they dont have a solid track
record, they will be practicing and
learning with YOUR money.
2. Not Walking the Talk
If they dont own a portfolio of
rental property, they wont really
know first-hand what it takes to
succeed.
3. Lone Rangers
If they dont have a team to support them, you wont be supported
either especially if anything happens to them.
Continued on pg. 26
NICHE
By Alia Ott, Co-Founder of Investors in Action
One of my mentors always used to

say there are riches in niches
and that couldnt be more true in
the world of real estate investing.
nvesting is not a one size fits all venture - some

people love the challenge of turning trashy houses
into beautiful homes, while others love to become
passive lenders or landlords such that they can account for a more predictable payment stream. We
all need to find our own niche that works best for our
available time, financial resources and personality types.
Once an investor finds that one thing, the key is to really
stick with it long enough to implement efficient systems
and push through the challenges that inevitably occur.
Growing up in a household with two stay-at-home parents; one focused on retirement hobbies and the other an
active community volunteer, I was inspired to seek a financial path that would allow my time, talent and income
to support my philanthropic goals and family-focused lifestyle. It was the combination of my WHY mixed with
my enthusiastic curiosity of investment properties that began my quest for financial freedom via real estate. I was
specifically focused on finding an investment strategy that
required minimal time with maximum returns over a long
term view, and after 13 years of actively doing what felt
like the Goldilocks approach to leveraging different strategies, my Investors in Action business partner Terri and I
stumbled into a niche that was Just Right - and that was
self storage.
Prior to meeting Terri in 2009, we had both independently tried our hands at flipping and renting residential properties. Upon closing my first fixer in 2002, my friend
gave me a financial calculator and bottle of Pepto-Bismol
as if to say buckle up for a crazy ride. Little did I realize
that I would eventually tear half that first house down and
become my own general contractor rebuilding it from the
ground up. If you casually knew me, you would not likely
envision me jack-hammering concrete slabs or tearing up
the roof with a Sawzall... but I took every DIY opportunity
to get my hands on the power tools and make the best of
it. Demolition Days included Weapons of Mass Destruction where friends would grab
a hard hat and sledgehammer
to take a whack at the wall,
date nights consisted of a dump
run followed by a trip to Home
Depot with the trailer. Taco
Tuesdays with the crew were a
regular affair. It was exhausting yet exhilarating, and provided many memorable learning experiences that I would
reflect upon fondly. That said,
I quickly realized that my
sharp-shooting nail gun skills
would not be my fastest path
to financial freedom, nor was
there anything passive about
rehabbing.
After hanging up the proverbial hard hat, my next Goldilocks adventure would consist of becoming a landlord.
My first rental experience
started out with the rosiest of
outlooks, my team took all the
right steps that the gurus teach
CashFlow without
Tenants or Toilets
you to do: LLC - check; market growth and
neighborhood evaluation - check; reputable
property manager - check. We found a tenant willing to pay us one year in advance.
No worries with rent collections or evictions
youd think right!? Little did we know later
that this nice young lady was running some
sort of establishment ill suited for this
cute little Tennessee neighborhood. When it
came time to renew the lease, she was gone
and our manager whom was embarrassed
by the property condition buried his head in
the sand like an ostrich. Left behind in the
house were things that investor nightmares
and scary campfire stories are made of. My
point of sharing this is not to scare any

readers from owning residential rentals
(Weve owned other rentals with great
tenants, managers and solid returns).
I just prefer lessening my landlording
headaches by renting space to peoples
stuff vs. where they actually live.
By 2010, Terri and I had established
our company, Investors in Action, and
focused attention towards private lending and notes. Being the Bank as we
like to call it, has been a very successful strategy for us - especially in the upContinued on pg. 26
FREE PROBATE HOME SYSTEM REPORT: Access @ www.dfprobatesystem.com

TOOLS
When You Cant Find

Real Estate Leads,
By Leon McKenzie
US Probate Leads
LOOK TO PROBATE!
he real estate industry is

changing. With more and
more competition in the
marketplace, challenges in
getting a loan and cautious
homeowners staying put, it
can be nearly impossible to
find property that you might be interested in
purchasing for your real estate portfolio. Is
there a solution? Is there a way to combat
the real estate lead shortage that has permeated virtually the entire industry and has
stalled your efforts at investing?
What new and experienced real estate
investors are seeing in the market is a
fundamental change that may last for the
foreseeable future. Overall, the nation is
experiencing a shortage in the amount of
properties that are being put on the market,
leading to a lack of leads. This is creating
increased pricing on homes that are for sale
and issues in trying to build and acquire a
real estate portfolio.
WHY A SHORTAGE IN REAL ESTATE?
The shortage in real estate leads that is
occurring in most areas of the United States
is due to issues in the lending industry that
started several years ago and that continue
today. With it becoming more and more
difficult to qualify for a mortgage, homeowners are holding onto their homes instead
of buying and moving because they have
no other option. Homeowners that want to
expand their homes are simply adding on or
remodeling to avoid the issues with lenders
and the hassles in moving. This is leading to
a painful shortage in the real estate market.
The Philadelphia Inquirer agrees: Some observers believe they are seeing the emerging signs of a housing shortage. . . Predicting how much housing is needed involves a
complex calculus that weighs hard statistics
(new-home starts, sales of previously owned
homes) against a certain amount of demographic tea-leaf reading (household-formation forecasts). Thus, there isnt complete
consensus on what will be enough.
As mentioned, while the overall interest
rate is the lowest it has been in years, there
are few people with good enough credit to
purchase a home. When someone does decide to sell their home it is usually because
they have to move for a job relocation or for
another pressing matter, such as medical
treatment or because they need to downsize or they are in the enviable position of
having good enough credit that they were
able to secure a pre-approval on a new loan to

purchase a bigger home.
How does this create a shortage? Since
lending is tight, fewer people can afford to put
their homes on the market. That means that
the availability of homes has decreased. To
add to the shortfall, the slow economy has led
to a construction slowdown, which means that
fewer homes are being built to accommodate
new communities and homes that are being
torn down.
Overall, this has led to a painful real estate
shortage for much of the nation. The Sacramento Business Journal reported that, One
analysis of the regions housing market thinks
theres just not enough for sale. Again. A
shortage of inventory is driving everything in
the residential market from pricing to rental
affordability, according toZillow. One reason
for that is a lingering hangover for the building industry from the housing bust of the last
decade, saidSvenja Gudell, senior director
of research with Zillow. Though the economy
began to recover three years ago, housing construction is still lagging, she said. In 2012 and
2013, only 159 new home permits were issued
for every 1,000 new residents, according to ZilCashFlow Express Page 22
low. The overall lack of new homes available

and the persistent challenge in getting a loan
is creating issues for investors as they try to
navigate few options and high prices.
HOUSING SHORTAGE EQUALS
INFLATED PRICES
Most economists will tell you that the
biggest drivers in the market are supply and
demand. As you can imagine, decreased
supply in the housing market means that
pricing has skyrocketed, something that real
estate investors simply cannot afford when
they are looking for business opportunities.
The Sacramento Business Journal reported
that, For both renters and homeowners,
Sacramento is now defined by Zillow as one
of the 10 least affordable metro areas in the
country. Mortgage payments here take up 26
percent of income, compared to 15.3 percent
nationally. Though the percentage is lower
than Sacramentos historic mortgage payment percentage of 29.5 percent, Zillow noted
buyers at the moment also tend to have lower
Continued on pg. 30
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Single-family home rentals are dead!

By Gene Guarino, CFP
Now theres a headline for

real estate investors. When I
was in my 20s making $100
a month in positive cash
flow that was exciting. Now
that Im in my 50s, it doesnt
cut it at all. That doesnt
even pay for dinner or a
round of golf.
hen you do the math, in order

to make $10,000 a month at
$100 a month, I would need
100 single-family homes to
make that happen. Thats a
lot of tenants, toilets and turnover to make
the money that I need to live on, to thrive and
to be able to bless those around me. Maybe
I could do it with 50 homes but the pay day is
still way out in the future. I want the cash flow
right now. Can you relate to that?
Ive been investing in real estate for over
30 years. Through all of that time I have
learned many things but one stands out
above the rest: Cashflow Is King.
If I do a fix and flip and make $100,000 in
profit that is terrific. BUT, then I am unemployed until I find my next project. Finding
that next project where I can buy it far enough
under the ARV to be able to make a reasonable profit is harder then ever in the current
market. The reality is the average profit on
a fix and flip is about $9,600 period. Hardly
worth the effort.
Id much rather
do one deal that
makes me $100,000
a year, every year
for the rest of my
life. That is the
opportunity with
Residential Assisted
Living. People are
aging and they will
need help. The baby
boomers are not
even in the homes
yet. They are 15 to
20 years away. This
is a huge opportunity now, and it will
continue to grow for
the next 20 years.
You will be involved one way or the other.
I tell people that ask me how they can do
this in their own cities that one way or another they will be involved in Assisted Living.
You will either be the owner or the resident
lying in the bed. For those that choose to
ignore this opportunity, I am perfectly fine
with that because I need residents and you
are welcome to move into my home when you
are ready.
One of the areas that has held people
from getting involved is a lack of information
and understanding on what this is and what it
isnt. The paper work and the licensing can seem

daunting to the person that has never done it
before. But when someone holds your hand and
walks you through the process, all of the mystery
and confusion falls away.
There are hoops to jump through no doubt.
But once you are on the other side, well, its a
never-ending pay day. For me that is what this
is all about. Think about this. If you did just one
Residential Assisted Living project this year that
produces $10,000 a month in NET income, would
you be able to live the life that you are living
today, but without the financial stress? Could
you quit your job if you wanted to? Would your
spouse be happier that you had
steady solid income?
If you need more money
you can do two homes or just
do one nicer home. If this is
making sense you can learn
more online at: www.ALFtrainingAcademy.com
For 30 years I have been
looking for a better way to make
cash flow for the long-term and
I found it with residential assistant living. One deal and youre
done. I teach people how to
do this all over the country and
theyre always amazed that with
one single property they can
clear in net cash flow $5,000,
$10,000 or even $20,000 per
month or more. They are blown
away and wish they had done it
sooner.
There are three opportunities in this niche
and Ill lay them out for you.
Opportunity one. Own the real estate and
lease it to long-term, low impact tenants for up to
twice the fair market rent
Opportunity two.Operate the residential
assisted living care home and make $5,000,
$10,000 or more a month in net income.
Opportunity three. Own and operate.
Own the real estate and operate the residential
assisted-living business. When you own the real
estate and own the business thats when you can
Maximize your profits. That is the holy grail of

cashflow and security.
By the way, I dont work in the home myself
on a daily basis. I may not even visit the homes
for weeks at a time. I would say the average time
I spend on a weekly basis is less than 10 hours
a week. If I wanted to completely turn over the
reins I could do it with virtually no time invested
on a daily or weekly basis. Its all about setting
up the proper structure and running it like a business.
Thats what I do. I own the real estate and
operate the business for maximum profit. Thats
what I teach my students how to do at the ALF
training academy. If you are looking for a career
change, this is the ticket. That is why it is the
only thing that I do now.
One of the questions I get quite often is: Can
I do this in a house I already own? The answer
is, it depends. Does it have the right characteristics? is it in the right neighborhood? Is it in the
right geographical location? Are the demographics right? Those are all easily answered questions
when you know what to look for.
This is not the field of dreams where if you
build it they will come. That is a mistake that
some people make when they try to figure this out
on their own. I would rather learn from someone
elses mistake than my own. Thats why I show
my students how to do it step-by-step, starting
with the right location, then its the right property.
By the time the training is done, they can very
quickly analyze whether a property is right for this
or not.
The Tsunami of opportunity with the baby
boomers is simply unstoppable. There are
77,000,000 Baby Boomers. Right now, there are
10,000 people a day turning 65 years old. They
dont move into an assisted living facility. But
there are 4,000 people a day turning 85 years old
and thousands of them will. The average length of
stay is 3 1/2 years. Thats a lot of opportunity for
us to take advantage of.
The average price for a single person to live
in a private room nationwide is $3,500 per month.
Its not paid for by the state or Medicaid or Medicare, in most cases they pay much less than that.
Continued on pg. 27
The Dangers of Turn-Key Rental Property, pg. 20
4. Lacking Systems
If they arent organized with the right software
and systems, they will get overwhelmed and be
unable to serve you over the long term.
5. They Operate in the Hood
I think C-properties can look real good on paper,
but reality is a different story. Stay away from
properties under $50,000 because they tend to be
in high crime, high vandalism areas.
6. Shoddy Renovations
If they are not fully renovating the property, they
are just making a profit and leaving you with repairs. Demand that all plumbing, roofing, HVAC,
boilers, foundations and electrical be upgraded to
code and get inspections to verify.
7. Rental or Vacancy Guarantees
There are no guarantees in real estate and a rental
guarantee wont be necessary if you buy right.
Most operators who make guarantees have padded the price of the property at the outset. Make
sure you really understand market rents.
8. Over-Market Pricing
Many turn-key operators sell their properties
above market value. Out-of-state investors from
high-priced markets are targets because they
dont understand local values and think everything is a deal because its so much cheaper.
9. Inexperienced Property Management
Many turn-key operators choose to do their own
property management. If they do not have at least
two years experience with lower than average va-
cancy rates dont use them or you

will be part of their learning curve!
10. A History of Fraud
It is astounding how many scam
artists are attracted to the real estate
business. Its worse than used car
salesmen! This is an easy fix get
back ground checks. Weve already
done this work. Use our research.
At Real Wealth Network, we
have vetted dozens of so-called
turn-key operators and are happy
to share our research with our members. Basic membership is free.
You can join at online at:
www.RealWealthNetwork.com
Once you are a member, you can
meet with one of our investment
counselors to get their feedback on
property you are considering buying. We have the information you
need to make the right decision. We
are also happy to provide you with a list of truly
turn-key companies who have rave reviews from
our 16,000 members. These companies find properties at wholesale prices in good neighborhoods near
jobs. They then renovate the properties to likenew condition. They screen tenants to very strict
standards and offer on-going, excellent property
management in place. Call 888-RWNETWORK or
email kathy@realwealthnetwork.com for a referral.
About the Author: Kathy Fettke is the CEO

and Co-Founder of Real Wealth Network and
author of the Amazon best-seller Retire Rich
with Rentals. She specializes in helping
people build multi-million dollar real estate
portfolios through creative finance and planning. Kathy is also host of The Real Wealth
Show and is a frequent guest on FOX Business
News, CNN, CNBC and CBS MarketWatch.
Cashflow without Tenants or Toilets, pg. 21
swing from 2010 to date, where we specialized

in gap funding and buying deeply discounted
notes. This strategy while still profitable, became far less lucrative as more money began
chasing skinnier deals than great deals needing
money.
The downside of it was also that it was
transactional, meaning wed have to place the
money once a deal was paid off. As this trend
continued, we started to contemplate putting our
attention on long-term cashflow with lower risk,
fewer transactions and sought asset types that
have greater resistance to market fluctuations.
And that is when *IT* happened; an 11th hour
request to lend on a self storage deal came in.
It was one of those serendipitous deals that was
perfectly aligned with our strategy discussions
and long-term cashflow plans. Even better, this
property allowed us to roll up our sleeves with
an experienced partner and learn the business
hands on, all while earning a steady rate of
return on our loan.
Self Storage, in our biased opinion, is one
of the best investment niches out there. Operating and maintenance costs are relatively low,
while the returns are typically higher than other
asset classes. With people downsizing, urbanizing and moving - there is an increasing demand
for space to put excess personal possessions and
the method of dealing with non-paying tenants
is very simple. When a tenant stops paying their
rent, we have the ability to lock them out of their
Self storage may not be right for every investor, but its the
perfect fit for us and its definitely without regret that we went
through our Goldilocks approach to trying different strategies.
unit until they pay or turn their personal property
over to an auctioneer to recoup our losses - a process which has been dramatized by the television
show Storage Wars.
The Investors in Action team focuses on repositioning storage properties. In other words,
we buy low-priced, lower occupancy properties,
often in small to mid-sized metro areas.
Our strategy is to stabilize the property by
increasing the number of tenants and easing in
higher rental rates - then we cashflow them for the
long haul.
Self Storage investing takes into account both
macro and micro economics. Of course, you need
to manage your property correctly and buy in a
stable market at a price point and CAP Rate that
supports your desired returns. Its very important
to survey the competition and population demographics within 5-10 miles of your subject property to ensure that stabilization is possible if you
are purchasing an under-performing property.
Our unique formula for success is actually
rather simple; its a blend of good management,
online marketing, value add components (such as
vehicle parking) and partnerships with national
moving brands (like uHaul) that make us successful in our ability to quickly turn properties
around.
Self storage may not be right for every
investor, but its the perfect fit for us and its
definitely without regret that we went through
our Goldilocks approach to trying different
strategies. Every aspect of our professional
and investment journey has given us a variety
of unique tools and skills to put in our investor
tool belt - from evaluating deals to raising capital and managing remote properties.
We love sharing our enthusiasm for the
business and enjoy helping other investors learn
from our experience as well.
To learn more
about what we do, please visit us at www.investorsinaction.com
Alia Ott is a best-selling co-author of the book
Initiative and certified advanced project
manager from Stanford University. Alia and her
business partner, Terri Garner, are founders of
Investors in Action and managers of a private
syndication, which invests in self storage properties.
NETWORK
Scenes from Realty411s Long Island Real Estate Investor Expo in Hauppauge, New York, top left corner to right: Manolis Sfinarolakis
from Patch of Land discussed how crowdfunding is changing the real estate landscape; James E. Clark with Clarks Laws PC warned
about common mistakes made when investing; The team from Kitchen Liquidators; Our expo charity of choice was Long Island Cares,
The Harry Chapin Food Bank. Our guests donated canned food and many made donations as well; The Long Island Real Estate Investor Expo was sponsored by Carl and Eilene Schiovone, founders of East Coast REIA. Here they are photographed with Linda Pliagas,
Realty411 founder; Claude Diamond motivated guests with fantastic tips; Liz Trebotich spoke on behalf of Growth Equity Group.
Photography courtesy of Bill Moseley. Join our network to be invited to our national events: http://Realty411Guide.com/network
Single-Family Home Rentals Are Dead! pg. 26
I dont focus on that, I focus on private

pay because thats where the bigger
money and opportunity is.
You truly have the opportunity
to do good as you do well. Theres
nothing wrong with making money. I
think a lot of us are looking for a way
that we can contribute, and to do
something for others. This brings both
worlds together perfectly.
Everybody needs to live someplace and if somebody gets older they
need more help. Many kids cant quit
their jobs to care for mom and dad on
the daily basis. So they hire in-home
care or they may bring them to an
assisted living facility. Typically the
big-box facilities that have 100 or 200
people are not very home like.
There may be one caregiver for
every 15 residents. It may be an
apartment-like context where its 100
yards to get to breakfast.
That isnt what most people really
want. They want to live in a home
where they are well taken care of and
loved. Mom and Dad want to live in
a home that feels like a home, where
they get home-cooked meals and the
caregiver ratio to resident is more like one caregiver for every five residents. Thats what we provide with Residential Assisted Living.
I got into this field for two reasons:
One, I couldnt find a place that I wanted for
my mom when it was her time.
Two, I knew that there were millions of people
in my same situation who needed help too. I know
the megatrend of the baby boomers was here,
but I didnt think I wanted to own a hospital or

nursing home. But using a residential home and
turning it into a cashflow machine, doing good
and doing well thats the best of all worlds.
If youd like to learn more about this, feel
free to contact me through my website at: www.
ALFtrainingacademy.com I have a home-study
course as well as a three-day training, if youd
like to learn more.
Gene Guarino is a Certified Financial Planner

in the U.S. and in Australia. He has been investing in real estate for over 30 years. Formerly a professional musician and always an
entrepreneur, Guarino has owned and operated
16 businesses. Today Guarino does just one
thing, Residential Assisted Living. Plus, he
teaches people who want to do the same thing
from all over the country how to do it too.
Make Three Times More Returns than Your Friends, pg. 18
THE RETURNS OF FLIPPING

HOUSES WITH THE EASE
OF PASSIVE INCOME
Remote Rehabs is re-opening its turnkey
fix and flip investment program in Phoenix,
Ariz. After being one of the first to kick-start
the U.S. housing recovery, Phoenix is now
set to lead in the second stage of growth
with new jobs and rising property values.
Check out whats happening in Phoenix,
Arizona at: www.RemoteRehabs.com
The Remote Rehabs program offers a
100% hands-free, high-return way, to generate passive income in Americas hottest
property markets. This service handles everything from sourcing properties, to acquisition, rehabbing and reselling for you. Its
ideal for those investors who lack time, lack
experience, and need to earn more than
what theyre currently earning. It brings together all the best of the ease of passive income investing with high returns and faster
profits of flipping houses. Its the aggressive
way to generate cash, faster.
So how do the returns stack up? Imagine:
Instead of investing in buying a single rental
property that throws off $15,000 a year in
positive cashflow you used Remote Rehabs to flip houses for you. It conservatively
takes an average of 90 days to fix and flip
a house. So if you bought and sold just four
houses per year and made $15,000 each
time, youd be way ahead. Youd be pocketing $60,000 per year. While your friends are
just getting $15,000 per year on buy-andhold properties.
What would an extra $60,000 per year do
for your lifestyle or retirement savings?
THE REAL ESTATE CASH MACHINE

This system effectively gives real estate
investors an automatic cash machine. Real
estate education is good, rentals are good,
and hands on rehabbing is rewarding. But
if you want to diversify, really kick finances
into high gear, get ahead, and dont want to
have to sweat or take the time out, check
out Remote Rehabs.
Then, once you have this real estate cash
machine working for you, you can roll over
some of that money to buy-and-hold properties for long-term wealth building, or any
other investment you are willing to take a
shot at.
About Sensei:
Founder of Black Belt Investors, Sensei
Gilliland has been featured on the cover of
Real Estate Wealth Magazine, hosts The
Wests Top Ranked Real Estate Investors
Club 12 ROUNDS, and has engineered
several highly popular trademarked real
estate investment systems. Sensei is the
go-to source for serious investors and entrepreneurs seeking extremely effective, no
holds barred training, investment properties
and funding. Claim your copy of his powerful
Cash and Wealth by visiting:
www.BlackBeltInvestors.com.
Renovating a Hotel, pg. 8
When You Cant Find Real Estate Leads..., pg. 22
market segment with a few big players and the

rest mostly individual marina owners, which
means opportunity to add value to struggling
owners; it combines real estate with business; it
provides regular passive income; and marinas
and resorts tend to be a happy place for people,
thus our motto: Invest in something fun!
LINDA: Whats next for Stacee Nelson and her
numerous realty projects?
STACEE: Going forward Im focused on three
areas in real estate: Acquiring marina and resort
properties; purchasing REOs in bulk nationwide
to fix and flip; and contributing to the expansion
of the Cashflow Divas, an organization dedicated
to helping women achieve their financial freedom
goals through passive (and active) income investing and financial literacy.
STACEE DISHES HER SECRETS!
nvestor Stacee Nelson

admits the process of becoming an entrepreneur
has been exhilarating, as
well as challenging yes,
even scary at times! We
asked Nelson to jot down
some tips for our readers.
Below are a number of factors, which she says have
been critical in her success as a real estate
investor.
Have a clear vision of what you want to do
and achieve, and then give it your all. Be tenacious in your pursuit, have faith in yourself and
your vision, and do not give up!
Have a source of income and/or savings
to get you through at least a year of living
expenses before you leave your job. In my
experience, everything takes longer than expected in real estate. Plan for that.
Surround yourself with the people you want
to be like. For me that was successful entrepreneurs, business leaders and investors.
Partner with other investors who have a
similar outlook on how you want to do business. I rarely do a deal alone. Sharing the
project profits is well worth it to have partners
with whom to share ideas, issues, opportunities and to raise capital
Get educated before jumping in. I went to
countless seminars and trainings to understand not only various real estate investing
strategies, but also marketing, asset protection, running a business and personal development.
Have a mindset of helping others achieve
their goals, and understand that helping others
first invariably leads to you getting what it is
you desire.
Consider that 50% of something is better
than 100% of nothing. I work with a lot of private investors. Sometimes the cost of capital
is very high for a particular project. If its the
difference between doing a deal and not, I
take the higher cost of capital with graciousness and gratitude and get the deal done.
Work with honor, fairness and gratitude. BE
the person people want to do business with.
And perhaps my biggest lesson so far is to
simply ask each day What do I want to create
today?, and then be ready and open to receiving it.
Plus, have fun on your journey!
median incomes.
These historically high prices mean that
people who are making less money have
to spend more of the income that they do
have on a home. REALTOR Magazine
reported on the decreased inventory across
the country and the increased prices, saying, The inventory of existing homes is at
its lowest level in seven years, while newly
constructed home inventory has hit a 50year low mark. Falling inventory is causing
home prices to shoot up higher and faster
than most analysts anticipated. The national
median price of transacted homes was up
9.5 percent in August. Other price measures,
like Case-Shiller and the Federal Housing
Finance Agency price index, which look at
price changes in sales of the same properties
over time, have been rising as well, at double-digit annualized rates in recent months.
Of course, not all markets are this robust.
Phoenix is looking to notch a 25 percent gain
for the year, while Chicago is just emerging
fromnegative territory.
SURVIVING THE SHORTAGE AS
A REAL ESTATE INVESTOR
THROUGH PROBATES
If you are interested in continuing to work
in real estate, then you know something has
to change. Real estate investors have a limited amount of options when facing a market
like this. Some investors have simply moved
on to other business opportunities, while others have succumbed to the increased prices,
which have hurt their business and their
balance sheets. But, there is a segment of
real estate investors who have found a profitable way to deal with the challenges of the
housing shortage by finding a new source of
leads.
While many investors are only looking
at the traditional segments of the market
single family, residential homes that are for
sale by families who want to upgrade that are
listed on the traditional MLS-style forums
there are other homes on the market that can
be purchased at a significant discount. Properties owned as part of a probate are widely
available and can be purchased for well less
than comparable homes in the area. In fact,
there are an estimated 100,000 probates
entering the market each and every month
throughout the United States.
Probate properties are those homes,
apartments, multi-family homes and commercial sites that were previously owned by an
individual who has passed. The local court
then appoints an Executor to ensure that
these homes and other properties are sold to
take care of paying medical bills, funeral fees
and other obligations.
PROBATES PROVIDE
MOTIVATED SELLERS
Once you start working in probates, you
will understand why Executors are motivated to sell their properties quickly and
for a substantial 30 percent to 50 percent
off of current market values. Each Executor is responsible to the court to ensure that
the assets of the individual who has passed
have been liquidated in order to meet financial obligations and provide an inheritance
to the individuals left in the family. Execu- >
When You Cant Find Real Estate Leads..., pg. 28
tors not only feel the pressure to sell because of

the court, but they want to sell because of their own
convenience. While some Executors can be a family
attorney or an accountant, many times the Executor
is a family member who has responsibilities of their
own. They may even live out of state, and making
repeated trips to show a home or apartment building
can be nothing short of challenging. Executors also
understand that, in addition to time constraints, the
home their family member owned may not be fully
updated. All of these conditions provide the opportunity for homes and other properties to be purchased
for a fraction of the current market value.
FINDING PROBATE LEADS
Now that you understand the value of having access to probate properties in this challenging economy, you may be wondering how to get access to
them. Many individuals who are starting a probate
business decide that going to the local courthouse is
the best way to look for opportunities in their area.
This can take time, as you need to allow for travel to
and from the courthouse, as well as time evaluating
filings to see if there are holdings within the probate
appropriate for your business. As you can imagine,
this can take away valuable time from your growing
investment business, your family, and the job you
currently hold.
There is a better way. By using a professional
probate lead service you can have up-to-date information and leads delivered right to your inbox on a
weekly basis. With no more trips to the courthouse,
no time wasted looking at complex filings that are
hard to understand, you will have more time to
go out and evaluate properties and opportunities.
Unlike traditional leads in the current real estate
market, which can be nearly impossible to find and
create the environment for high pricing, there are
literally thousands of options for probate purchases
each and every day.
BUILD A VIBRANT REAL ESTATE
INVESTMENT BUSINESS WITH PROBATES
Having access to leads on a regular basis means
that you will be able to find success in probate real
estate investing. With time, patience and a carefully
thought out business plan, you can be sure that having these leads will make an enormous difference in
your ability to purchase homes and other properties,
as well as acquire them at a favorable price.
Probates are not limited to residential real estate,
either. What you will find is that you can expand
your investments to include apartment buildings,
businesses, vacation homes and even purchase and
resell personal property, including antiques, artwork
and vehicles. The variety and opportunity with probates is endless because there is always a supply of
leads available.
THE MOST RELIABLE SOURCE
Are you looking for a reliable lead source for all of
your probate investment needs? The experts at US
Probate Leads offer the highest quality leads available on the market today. Our certified lead specialists visit every courthouse in the United States,
constantly evaluating new probate filings and making
those available to our investors.
In addition to our premium lead service, we also
offer services that can keep you informed on the
newest trends in the market. Contact our office
today to learn more about our lead service, monthly
newsletter, e-books, seminars, webinars and even
our individualized mentoring program. Contact us
today to speak to one of our friendly, knowledgeable
customer service representatives.
Learn from THE National Expert

on how to use Land Trusts for
Privacy, Profits & Asset Protection
FREE Land Trust
Webinar at:
www.LandTrustWebinar.com/411
For more information,
call Randy Hughes at:
Randy Hughes
Mr. Land Trust

40 Years Experience
866-696-7347
For Information, Visit Online:
LandTrustsMadeSimple.com
Multifamily Gains
Investor Interest
Elite Apartment Coaching started with

a core mission: To help individuals
achieve their financial goals by
investing in apartments. By Chris Urso
d like to share one

of our clients stories
with you, as I think
that many people
overlook what resources
they have at their disposal.
JOHNSONS STORY
Be Sure to Read it
ONLINE Today
For nearly two years, REI Wealth
Monthly has been delivering
vital industry news. REI Wealth
Monthly, which is co-owned by
Realty411, is the ONLY monthly
publication catering to investors!
www.REIWEALTHmag.com
Johnson knew he wanted to be involved with real estate.

He attended many local real estate
investment events, and seminars. He
even purchased real estate education
books and tapes that advised him to
get out there and buy something!
He did. He bought a single-family
rental in Gloversville, NY, in the
Bronx. He had also inherited a two
family building in Brooklyn from
his father. Mind you, he lives in
the Bronx and was self-managing,
spending most of his week driving
from one property to another; losing
money each month on each of these
properties.
When we sat down with him, he
was exhausted! I knew he needed a
clear plan that took a careful look at
what his resources were and where
he wanted to get financially. I told
him he was going to have to rip off
the band-aid and sell those singlefamily homes and take the loss. They
were NOT part of his long-term
plan. Johnson was single-minded
in sticking to the plan, and some of
these steps were tough.
I was able to leverage a relationship that I had with a Brooklyn
broker who took a look at his Brooklyn property. It turns out that what
Johnson thought was a two-family
with an illegal apartment, was really
a two-lot piece of property. This
Bushwick property finally sold at $1
million. This is part of the value that
we create for our clients. Through
the process of a 1031 exchange, a
tax-deferred real estate investment
vehicle, and our existing relationships, we were able to find Johnson
a 23-unit beautiful true B investment property in Buckhead, Georgia. This is a stabilized deal that
consistently produces cashflow from
$8,000 to $10,000 per

month. Would that have
a positive impact on your
life? There is nothing
more rewarding for me
than making a true difference in our clients
lives.
Johnson is now a new
father and now has the time to spend
with his son rather than on the road.
I share this story with you because I
think it is so powerful. Each investors story is different - and their resources as well; I will never promise
that you can retire on the beach after
one deal, and this is a dramatic example But with careful planning
and guidance buying an apartment
building can truly alter the path that
youre on and get you where you
want to go. We host three-day events
throughout the year that show all
levels of investors how to leverage
apartment buildings to create true
wealth. To get VIP info and a FREE
gift, visit http://mfiweekend.com/
home.
Christopher Urso is an investor, author and private real estate coach.
His real estate investment company,
URS Capital Partners, currently
controls over $55,000,000 worth of
apartments throughout the Midwest
and Southeast and has raised over
$20 million is private money. In
2011, alongside his wife Lisa, Chris
created his coaching program Elite
Apartment Coaching with a mission
to help private real estate investors
play a bigger game and create true
wealth with the power of apartments. In the last three years his
coaching program has helped his
clients purchase over $50,000,000
worth of real estate in 10 states.
Through his Elite Apartment Coaching Program, Chris says he is able
to change the lives of his clients,
and guide them to their financial
goals.
For more information, visit online:
www.urscapitalpartners.com or
www.eliteapartmentcoaching.com
REAL ESTATE - FINANCE - TAXES - INSURANCE -BUSINESS - CREDIT
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Visit us online at ColonyAmericanFinance.com
Colony American Finance, LLC (and its subsidiaries) makes commercial, business purpose loans to investors of tenant-occupied single-family rental properties. Colony American Finance, LLC does not make residential mortgage loans. Loans are for investment purposes only and not for personal,
family, or household use. Loan product availability may be limited in certain states. This is not a commitment to lend. All loans are subject to borrower underwriting and credit approval, in Colony American Finance, LLCs sole and absolute discretion. Other restrictions apply. * Lending products
and services offered in California will be brokered by Jennifer Goralski, California Bureau of Real Estate, Real Estate Broker (CalBRE License Number 01924804).
Colony American Finance shall have no liability, contingent or otherwise, to an investor or third parties, or any responsibility whatsoever, for the correctness, quality, accuracy, pricing, reliability, performance or completeness of the data or information provided herein or for any other aspect of
the performance of these materials, and nothing contained herein shall be relied upon as a promise or representation whether as to past or future performance. This material may include estimates and projections and involve significant elements of subjective judgment and analysis.

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Ca$hFlow

Passive Income for Today & Tomorrow

Vol. 2, No. 4, 2015

Living the American Dream

By Lori Peebles, staff writer

tep into the world of Anthony Patrick,

countless trials and errors of learning

Resources for Investors - Tips from National Pros

Residential real estate investors arent used to having

B2R walked us through the process

At B2R Finance, residential rental mortgages are all

Alia Ott and her

The American Dream Is Realized

Publishers Letter - Due Diligence

From Rehabbing Homes to Hotels

10 Its Time to Self Direct Your Future

12 Colony American Finance Wants to

Join Our VIP Social Network

GOT QUESTIONS? NEED INFO?

30 Multifamily Gains Investor Interest

Photographs above: Step inside

PRIVATE MONEY LOANS

1604 Grant Ave., Novato, CA 94945

California Department of Real Estate Brokers #1897444

No. 1 / Vol. 1 2012

No. 1 / Vol. 1 2012

estate investing, trading stocks, building

companies and products with which

Published by Realty411 Magazine

year eating fast food, why not own

an investor. To contact us, please call (805) 693-1497.

Be Social and Receive Updates from Linda Pliagas on

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Goodbye, Hard Money

Get Started Today!

From Rehabbing Homes

hroughout the years, I have met many phenomenal

LINDA: How long have you been investing in real estate?

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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

From Rehabbing Homes to Renovating a Hotel, pg. 6

LINDA: Was it easier to take on the challenge

lessons from this project, was to have a project

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contractor commitments are, the better.

We lend on distressed Real Estate Investments!

Hard Money Wholesale Lender

Equity Based Lending Wholesale Division California Arizona

Its Time to Self Direct Your Future

By Tim Houghten, staff writer

elf-directed individual retirement accounts or IRAs are rapidly growing in

Financial literacy is not taught in schools,

educate self-directed IRA investors.

Interest reserve or pay-current available

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We fund loans from $500,000 up to $5 million

SEATTLE, WA - Network in the Northwest

LAS VEGAS, NV - 2nd Viva Las Vegas Expo

NEW YORK CITY, NY - CA$HFLOW Expo East