Real­tor Investing

*Atten­tion Real­tors who want to make money with low risk and
vir­tu­ally no effort*

“Dis­cover How A Middle-Aged Real­tor From Small Town Canada Stum­bled onto an Insider (And Nearly Risk-Free!) Way to Use The Real Estate Knowl­edge That He Already Had to Earn Dou­ble Digit Returns in this Side­ways Market.”

Don’t invest another dime until you dis­cover how you can earn an OUTRAGEOUS INTEREST RATE with vir­tu­ally no risk or effort. I’ve done it many times and can show you how, too!

Date:Thurs­day, Novem­ber 10, 2011
From: Mark Hind­ley, Real­tor Investing

Dear Fel­low Realtor,

It sounds almost too good to be true but, in the past year, I’ve been qui­etly bank­ing 14.34% in interest…and I’ve been mak­ing sim­i­lar returns for the last 9 years! And in this side­ways mar­ket there’s even more oppor­tu­nity than ever — that I’ll explain in a moment. But first let me share with you my story (it might sound familiar).

Like many of you, I have invested in a vari­ety of things over the years (real estate and oth­er­wise), in an effort to sta­bi­lize my income (commission-based income fluc­tu­ates with the mar­ket, but my monthly bills sure don’t) and, given that I have no cor­po­rate pen­sion plan to fall back on, earn the money I need to fund my future retire­ment. I am also a big believer in enjoy­ing my life in the here and now…before it’s too late! That’s why I take lots of vaca­tions, as well as enjoy my many hob­bies such as fish­ing, hunt­ing and fly­ing my Cessna 172. How­ever, these things take money (too much money, if you ask my wife ).

I started out by buy­ing a num­ber of rental prop­er­ties that I have now man­aged for sev­eral years. If cho­sen care­fully, this type of invest­ment can be fairly lucra­tive in the long term, but all that glit­ters is not nec­es­sar­ily gold, and this invest­ment def­i­nitely comes with its share of ongo­ing has­sles (plugged toi­lets and ten­ant turnover are a cou­ple of things that come to mind).
I have also ren­o­vated and flipped my share of prop­er­ties, but the time, effort and money required to do this usu­ally makes this invest­ment option imprac­ti­cal, if not impossible.

Like much of the pop­u­la­tion, I have also held money in mutual funds and the stock mar­ket, but I was sick of ner­vously watch­ing my retire­ment money go down in value and NOT HAVING ANY CONTROL over it.

Time to take control!

I needed some other way that I could use my real estate exper­tise to earn low-risk monthly income…and, this time, I didn’t want it to involve other people’s toi­lets or out-of-my-control stock mar­kets! Fur­ther­more, given that I already had a “day” job (more accu­rately, a day, night and week-end job), I needed some­thing that would require MINIMAL EFFORT.

Call­ing all Realtors

That’s when I ran across a spe­cial kind of invest­ing, per­fectly suited to Real­tors like you! One day, the Mort­gage Bro­ker where my Real Estate Office oftens sent our clients, asked me if I was inter­ested in mak­ing some extra money every month.

The Bro­ker said that he was look­ing for peo­ple to fund sec­ond mort­gages and that he would love to work with Real­tors, because of their knowl­edge of the mar­ket and their expe­ri­ence in the val­u­a­tion of prop­er­ties (this exper­tise made the process much faster and eas­ier for both parties).

I as a ris­ing real­tor invest­ing now was still a lit­tle scep­ti­cal, though…did I really want to loan my hard-earned money to some­one that was so ‘finan­cially chal­lenged’ that they needed to take out a sec­ond mort­gage in the first place? Wasn’t that too risky? I came to find out that this was a misconception…many solid, respon­si­ble indi­vid­u­als, due to a vari­ety of sit­u­a­tions (e.g. change to employ­ment or rela­tion­ship sta­tus), may find them­selves tem­porar­ily in need of a sec­ond mort­gage. The Bro­ker con­firmed that he dealt with peo­ple such as this on a reg­u­lar basis, espe­cially in these eco­nomic times where many com­mer­cial lenders have tight­ened up on their lend­ing cri­te­ria, and that it could some­times be a chal­lenge for him to find enough pri­vate lenders to cover the mort­gage needs of these good qual­ity individuals.

But, what if the Mort­gagor does go bank­rupt and I lose my invest­ment? I quickly dis­pelled this worry too, when I talked to a real estate lawyer who con­firmed what I remem­bered from my real estate law course…in the case of bank­ruptcy, mort­gages are pro­tected by law! As long as I was con­fi­dent of the property’s value, my invest­ment would be 100% safe. I don’t know about you, but my stocks and mutual funds sure don’t come with this kind of security!

Now I was really inter­ested, so I started research­ing sec­ond mort­gages, to see what ben­e­fits it offered. I wish I had learned ear­lier about this great way to make money!

5 Rea­sons Why Fund­ing Sec­ond Mort­gages might be
the Best Invest­ment Choice for Real­tors…

1. You are uniquely qual­i­fied. Real­tors already have the knowl­edge and skills required to fund sec­ond mort­gages…no need for expen­sive and time-consuming train­ing. Real­tors also have the con­tacts (Mort­gage Bro­kers, per­sonal clients and other Real­tors) required to find excel­lent sec­ond mort­gage oppor­tu­ni­ties (rest assured, there are plenty of safe and solid bor­row­ers who need pri­vate money due to such life cir­cum­stances as self-employment, rela­tion­ship break­down, or a pre­vi­ous iso­lated finan­cial set­back). All you need to get started right away is my quick and easy step-by-step process for fund­ing sec­ond mortgages…and I’ll pro­vide that!

1. You are in con­trol. You deter­mine the risk, then set the inter­est rate, lend­ing fees and term as you see fit (or turn down the invest­ment if you are not totally com­fort­able with the level of risk). Walk away with your orig­i­nal prin­ci­ple amount at the end of the mort­gage term…use this money to invest else­where or to fund another sec­ond mortgage!

1. Sta­bi­lize your income. You can stop being a vic­tim to income that goes up and down like a kid’s yo-yo. Earn a steady pas­sive income every month to pay bills, save for retire­ment, go on vacation…or just use it to enjoy life!

1. Min­i­mal effort and has­sles. You’re too busy to spend your time chas­ing ten­ants, ren­o­vat­ing houses to flip them, or anx­iously watch­ing the stock mar­ket. With sec­ond mort­gages, spend a few hours upfront, then just sit back and col­lect your money every month (some of my sec­ond mort­gages I’ve had for years). Oh, and did I men­tion, there is prac­ti­cally no paper­work for you to do, since I pro­vide you with easy fill-in-the-blank tem­plates that can be com­pleted in a mat­ter of min­utes (did I hear cheering?).

1. Min­i­mal invest­ment required (no max­i­mum). You decide how much you want to invest, from as lit­tle as a few thou­sand dol­lars to ‘the sky’s the limit’. Choose to fund sec­ond mort­gages out of your RRSP (new or exist­ing con­tri­bu­tions) and enjoy great tax sav­ings while mak­ing above aver­age returns towards your retire­ment. If you don’t per­son­ally have any funds avail­able, use other people’s money to invest in sec­ond mort­gages and still make an excel­lent profit.

Why take my word for it?

I have been pro­vid­ing fund­ing for sec­ond mort­gages for 9 years and have actu­ally funded 33 mort­gages, rang­ing in amount from $7,500 to $45,000. Over the course of this time, I have made a con­sid­er­able amount in pas­sive income from sec­ond mortgages.

Cur­rently, I am fund­ing eight mort­gages totalling $156,850, with inter­est pay­ments of $1,873.64 per month and an aver­age inter­est rate of 14.34%. Of this total, $100,166.44 of this is funded through my reg­is­tered retire­ment sav­ings plan (RRSP), earn­ing me tax-deferred inter­est of $1185.45 each month, or $14,225.40 annu­ally (don’t take my word for it…see below for a copy of a recent RRSP state­ment). Is your retire­ment fund mak­ing these kinds of steady returns?

 

Real­tor Investing