SEE Current Property in St Petersburg / Tampa Bay HERE:

1. 920 24th Avenue S, Saint Petersburg FL  $59,999.99

2. 1439 James Ave S, Saint Petersburg FL $59,999.99

September 15th 2009 See 5 Current Residential Income Properties in St Petersburg Florida + And Supporting Appraisals + And 2nd Supporting Appraisals

This Single-Family Home located at 920 24th Avenue S, Saint Petersburg FL is currently for sale and has been listed on Trulia for 182 days. This property is listed for $150,000.00 and NOW FOR JUST $59,999. | 920 24th Ave S has 5 beds, 2 baths, and approximately 1,160 square feet. The price per square foot is $129. The property was built in 1954. 920 24th Ave S is in the 33705 ZIP code in Saint Petersburg, FL

See this TURN-KEY Income Property Analysis XLS File and the Appraisal

GO HERE TO SEE THE LISTING http://mlkimrealty.com/st-petersburg-florida-and-tampa-bay-investment-properties.html

Buy Positive Income Investment Homes

With MEL Kim Investment real estate you can Buy Positive Cash Flow Homes. Finding great income generating properties throughout the country. We do all the homework for our clients and locate single family properties that will cash flow in the rental arena. Our goal is to provide quality investment homes to our clients that are in a price range in which they can be purchased with a small loan amount or even all cash. Where else can you purchase a home for $32,000 that is fully renovated and with tenant some properties are qualified for government rental help such as section 8 and can bring in more then $1200 per month. If you are tired of being upside down in your investment properties and need a few income generating rental homes that will offset your costs, then MEL KIM Investment real estate Positive Cash Flow Homes is the resource for you!!

We are a one stop shop!! Not only do we provide quality investment properties, but we provide the following services to make your purchase as easy and smooth as possible:

When you buy an investment property from MEL Kim Investment real estate, it is a hassle free purchase because we do all the work for you!! Our property managers, in most cases, have your investment homes rented before you ever close escrow. If you’re interested in purchasing income generating properties, then kick back, relax and let Positive Cash Flow Homes go to work for you

We sell high quality, turn-key, high cash flow properties with built-in equity. Our service allows the savvy investor to purchase a property with high cash flow and equity, maximizing their portfolio and minimizing the normal headaches that accompany being a landlord.

There is no better time than now to invest in real estate. The incredibly low prices due to the foreclosure boom now allow investors to purchase property for less than before. This creates better cash flow and long term capital appreciation. Volatility in the stock market makes investing on Wall Street trickier and riskier than ever before. This makes investing in real estate the best way to increase income, build wealth and achieve long term financial security and independence. However, it is not easy…..

We invite you to see why we are the USA leader in investment property. With over 1500 properties sold and a nearly 85% return buyer rate, come see how we can assist you in your journey to building wealth through investing in real estate.

 Looking for Investment Opportunities? We have Income Properties …

Our properties gives you the power to be financially comfortable with NO money out of your pocket. This translates into 5 to 6 figure profits for each transaction.
The homes selected for this program are new or in excellent condition, in nice neighborhoods and have a qualify tenants with a lease in place. and with a management team to take care of the home on your behalf.
Section 8 Tenant on a New One Year Lease @ $1350 a Month- Massive Cash Flow on this One!!
Appraised value $165,000
Price and loan amount $105,000 (instant equity $60,000)
Cash in your pocket at closing $5250
Money out of your pocket $0.00
Stories: 1.5
Beds: 5 Baths: 2 Sq. Ft.: 1,800 

  Your benefits as a Credit investor…
* No money out of your pocket. NEVER (not for down payment and not for closing cost)
* instant equity of 25% to 45% ($25000 to $80,000)
* instant cash at closing for you to spend freely ($5,000 to $30,000)
* Huge 5 to 6 figure profits for each transaction
* Positive income every month
* All tax benefits
* 100% of all the Maintenance, Tax, Management and Mortgage payment are cover from the rent.
* 100% of all Net Operating Income
* 100% of the future appreciation
* 100% of Principal Paydown
* Investment fully secured by property
* Great management team to deal with tenants and maintenance
* One Year Home Warranty.
* One Year management FREE.
The loan to the Credit investor for that purchase is a full doc. Minimum credit scores are presently 700+.
For more information please e-mail to above address with your name, phone number and your credit score.

If you’re looking for excellent investment properties to add to your investment-portfolio this year, look-no-further than the beautiful Florida properties I’m presenting on this site!Hi my name is Mel Kim – and I specialize in helping regular people (just like you) to build wealth and prepare for retirement by investing in real estate…  

As a real estate investor myself, I know how important it is to you to make investment decisions that will increase your net worth (without “breaking the bank” or taking too much time to manage) and that’s why I’ve chosen Florida as one of my top-picks for investing!

I’ve taken a great deal of time and effort to study, compare, and appraise these properties for their wealth-building potential – so that you don’t have to.

Positive Cash Flow

Many investors are looking for investment properties that produce positive cash flow. The Florida Investment Properties on this website are very affordably priced – and depending on the type of financing you choose – they can easily produce positive cash flow for you (if that is what you want). But there’s something even more impressive than the potential for monthly positive cash flow – and that is…

Certain areas of Florida are know to be among the highest appreciating markets in the nation! This is due to a number of factors – all of which I take into careful consideration for each of the properties I’m presenting to you on this site. Experience-investors know the value (and long-term cash flow benefits) of owning properties that are in highly-appreciating markets – and that’s exactly what I’m committed to bringing to you here.

…Another important factor for real estate investors – is being able to keep your properties rented out – and Florida is great for this because of it’s history of…

High Occupancy Rates

On average, there are nearly 600 people moving to Florida every day (that’s more that 2 and a half times the amount of any other state in the nation)! Many of these people are baby-boomers entering into the first phase of retirement (of which there will be about 18 more years of) and they ALL need places to live.

Now consider all of the jobs that exist for the entertainment and technological markets. This jobs provide many, many employees who make great and stable renter for your properties.

Hands-Off Management

Another one of the things I look for in Mel Kim Florida investment properties is onsite management. This means that your investment is cared for by an association that is always around – supporting you by maintaining your investment and keeping it consistently rented out. My Florida income properties are managed this way – and I love it because all I have to do is collect the rent, pay the mortgage, and watch my net-worth increase!

We can’t really talk about real estate investing without mentioning one of the most favorable aspects – the tax benefits!

Beware Of “Shady Agents”!

Some agents, companies, and brokers will try and “steal your sunshine” by telling you “how nice” the properties they represent are – and “what a great buy they are” – without even seeing or actually inspecting them in person! People like this don’t care about your success (or failure for that matter) – so don’t let them fool you into making poor investing decisions…

I’m committed to your success and to bringing you only the finest investment properties on the market today! That’s why I drove over 1000 miles across the sunny-state of Florida to personally inspect every property featured on this site.

You have my word that all of the properties presented on this site are only those that I would invest in myself!

Let Me Do The Hard Part For You!

With all of the factors to consider when buying investment property – you don’t need to let yourself be bogged down or discouraged by the endless supply of literature, websites, brochures, and otherwise useless-information on the market these days. I know what to look for in finding high-quality developments (it’s something I’m very passionate about)

You can easily download this information in a convenient .pdf file that will answer all your questions about these developments (as well as a bunch that you probably haven’t even thought of yet)…

Use this FREE-information to make wise investment decisions – and get on with the process of Building Your Wealth - instead of being stuck in “analysis paralysis”!

[contact-form 1 "Contact form 1"]

· Land – Land is the simplest form of investment. It can be held for its appreciation value, used as a place to build, and can be leased out to farmers or other land users. Land is often used to speculate on up-and-coming areas. The advantage of buying land is that it is usually one of the easiest investments to understand and manage (no tenants or businesses to deal with). The disadvantage of buying land as an investment is that it is doesn’t usually breakeven on a cash flow basis, so it requires your money to be locked up for often long periods of time. 

· Single Family Home – This is the most common type of real estate property available. They include the typical definition of a home – 1 family, 1 building, 1 parcel of land. They are also easy to understand and fairly easy to manage. Another advantage of these properties is that it is much easier to get a loan for a single family home than for a multi-family or commercial dwelling, and you can often buy them with less money down than other investment properties. The disadvantage to a single family home is that you miss out on the economies of scale that are produced by having more units on one property. For example, a four-unit property would all share the same land and the some of the same building (roof, walls, garages, etc.), thereby being less expensive per unit. Also, when trying to get a single family property to produce positive cash flow, it is more difficult because of this relatively high cost per unit. You can get around this by getting a good deal on the property or by putting more money down. 

· Townhouse – A townhouse is typically two units that share a single wall and, sometimes, other amenities (like heaters, water heaters and air conditioning). The advantage to buying a townhouse is that you get some economies of scale because you split the costs of maintaining the building, the cost of the land, and of the building and amenities, over two households. Because you also collect rent from two sources, you somewhat diversify your income too. However, because there are two families living there, it is more difficult to manage the property. 

· Condominium (Condo) – A condominium is similar to buying an apartment unit. You are not buying the land or the exterior of the building, but rather just the inside living space. Condos are governed by all owners of the condominium association, and managed by a group of elected representatives. Each month, a fee is charged to each condominium owner, which covers the management fees, maintenance, lawn care, special projects, and other miscellaneous expenses. The positives of owning a condo are that there is no direct upkeep or maintenance required and the units are easy to rent out as apartments. The negatives of owning a condo are that you must pay the condo fee each month, which often increases and is out of your control. Also, there are strict rules associated with condos that often dictate what type of construction or remodeling you can do, what type of tenants you can have, and other petty rules that can often become a nuisance. Also, if you wish to become proactive in the condo association, it can take up a substantial amount of your time. 

· 2-4 Unit Multifamily Dwelling – These investment properties consist of a single piece of land that has separate living units for between 2 and 4 families. It could consist of two flats, a duplex, a townhouse, separate buildings or a small apartment building. These types of investments are advantageous for several reasons. First, these units are eligible for a conforming loan. A conforming loan can be resold from lender to lender and, because it has universal characteristics, these loans almost always carry a lower interest rate than non-conforming loans. To find the conforming loan limits that apply to you, check with your state or county’s FHA or real estate department. A second advantage is that you can purchase these properties as a home (rather than an investment). Home loans are dramatically less expensive (lower interest rates) than investment loans and are available for a much higher percentage of home value (up to 100% in some cases versus only 70-75% for investment loans). Another advantage to these properties is the economies of scale that result from having several units on the same piece of land. In essence, the cost of the land is allocated over 2 to 4 units and therefore reduces the cost per unit of your investment. These properties are good places to start for someone beginning in the real estate business because they offer good income potential and are fairly easy to manage (only 2 to 4 tenants to deal with). Another important thing to know about these properties is that they are typically valued on comparable sales and by using appraisals, rather than based on their income (like commercial properties). 

· 5+ Unit Residential Property – Another form of multifamily dwelling (your typical apartment complex), properties with five or more units fall into a different category. They are considered commercial properties and therefore have very different requirements. First, they are valued differently than most other properties. Instead of using comparable sales, they are typically valued based on gross income (or rents). Therefore, their prices are typically based on the value of the rents and their future value will likely change based on the appreciation of rents (rather than the demand for new homes). The second difference is in the type of loan you can get for these properties. Since they are considered commercial investments, you can only get a mortgage for up to 70-75% of the purchase price. Also, the interest rate on these types of investments will likely be 1-2% higher than a home loan rate. That means that not only will you have to put down more money to buy one of these investment properties, but you will also have a higher mortgage payment than a smaller investment property. The benefits, however, are the economies of scale in having many units. For example, you can add income-producing services like laundry, parking and storage. You can also leverage the size by hiring a property manager or a handyman to take care of all the nuisances that will surely arise. And perhaps one of the biggest benefits is the sheer volume of income that the overall property will produce – with 25 units for example, a 5% increase in rents that average $800 per month would result in $1,000 a month in additional income. 

· Commercial Property – Commercial property refers to properties that are rented by businesses rather than by people living in them. Your tenants are more sophisticated and typically pay higher rents. However, the downfall of these properties are that they have large, negotiated and complicated contracts that require quite a bit of expertise to manage. The big advantage of these properties is that you often get long-term leases (sometimes 10 or more years) that allow for stable and reliable income. Another advantage is that the income from these properties is usually much higher than residential properties. The disadvantages are that commercial loans are more expensive and require a bigger down payment. Also, you’ll surely need to hire a property management service and often need to remodel the premises and take care of things like furniture, desks, lighting, A/C, etc. Overall, these properties are not for beginners, but are great investments if you can figure out how to find good locations and learn the complexities of the deals. 

· Combined Residential / Commercial Property – These properties come in different forms, but are basically properties that are zoned for both residential living and for commercial (business) use. Examples, would be a live / work loft or a store that has an apartment above it. The complexity of buying these types of properties varies dramatically depending the property. For example, if you are buying live / work lofts, you only need to find a tenant that wants to live there and run a small business. However, if you are buying a commercial property with an apartment above it, you need to deal with both commercial leases and residential leases, which can sometimes be overwhelming. Either way, you’ll need to get a commercial loan, which carries a higher interest rate than a home loan, and you’ll need to come up with more money (typically 25% of the property value) than a home loan.

[contact-form 1 "Contact form 1"]

Looking for Investment Opportunities? We have Income Properties …

Excellent Positive Cash Flow Income Property in Florida, Connecticut, New York and beyond

We offer Positive Property Management:

Our properties gives you the power to be financially comfortable with NO money out of your pocket. This translates into 5 to 6 figure profits for each transaction.
The homes selected for this program are new or in excellent condition, in nice neighborhoods and have a qualify tenants with a lease in place. and with a management team to take care of the home on your behalf.
Section 8 Tenant on a New One Year Lease @ $1350 a Month- Massive Cash Flow on this One!!
Appraised value $165,000
Price and loan amount $105,000 (instant equity $60,000)
Cash in your pocket at closing $5250
Money out of your pocket $0.00
Stories: 1.5
Beds: 5 Baths: 2 Sq. Ft.: 1,800

 Your benefits as a Credit investor…
* No money out of your pocket. NEVER (not for down payment and not for closing cost)
* instant equity of 25% to 45% ($25000 to $80,000)
* instant cash at closing for you to spend freely ($5,000 to $30,000)
* Huge 5 to 6 figure profits for each transaction
* Positive income every month
* All tax benefits
* 100% of all the Maintenance, Tax, Management and Mortgage payment are cover from the rent.
* 100% of all Net Operating Income
* 100% of the future appreciation
* 100% of Principal Paydown
* Investment fully secured by property
* Great management team to deal with tenants and maintenance
* One Year Home Warranty.
* One Year management FREE.
The loan to the Credit investor for that purchase is a full doc. Minimum credit scores are presently 700+.
For more information please e-mail to above address with your name, phone number and your credit score.

Real estate with zero down? Why would a seller walk away from closing with nothing? They wouldn’t, and that brings an important point about real estate investing with no downpayment: The seller almost always needs to get cash at closing, but it doesn’t have to be YOUR cash.

Zero Down Example

I’m selling a rental property right now, with payments of $400/month. The buyer has good credit, and his $5,000 downpayment covers closing costs and even a foreclosure, if necessary. At this point, I don’t care where he gets the downpayment. A $6000 cash advance on a credit card for example, would cost him about $135 per month, and provide enough for the downpayment and his closing costs.

In this case, with rent around $600 per month, he’d be okay. In many cases, however, the extra $135 would cause negative cash-flow. However you do it, just be sure the numbers work. By the way, I would have accepted payments of $350, if he had asked, because it’s the price and the interest rate that are important to me.

More Zero Downpayment Methods

While some sellers (like myself) are able to offer terms and low downpayments, most need or want at least 70% of the price in cash. This means you need to think in terms of how to get a primary loan, then how to raise the money for the remainder. Some examples follow.

Some banks do “no doc” loans, meaning they don’t require verification of your income, source of downpayment, etc. They’ll generally loan 70% to 80% of the property value, so if the seller is willing to take a second mortgage from you for the other 20% to 30%, you’re in with no money down. The seller gets 70% or 80% now in cash, plus payments for years to come. You’ll have two payments, of course, so be sure that the numbers work.

You can borrow against your home or other property you own to come up with downpayment money. You can borrow from friends and family. You can borrow against your car if you owe nothing on it. If you borrow for a “vacation,” and leave whatever you don’t spend in your checking account for a while, you can use it without violating bankers rules about borrowing for a downpayment.

There are usually a few “note buyers” around, even in smaller towns. These investors buy land contracts, mortgage loans and other “notes” at a discount. Say a seller takes a purchase money mortgage from you for $100,000, for example. A note buyer might pay him $85,000 for it. How does that help you or him?

An example: A seller prices his property at $194,000, but expects to sell it for about $180,000. You offer $205,000 (making sure you’ll still get cash flow) in the form of a mortgage for $160,000, and another for

$50,000. You arrange for the sale of the first mortgage at closing for $136,000 to a note buyer. The seller gets $136,000 cash, plus payments from you on the second loan for $50,000. Notice this adds up to $186,000, which is more than he expected to get out of the deal.  

These are some of the ways you can buy with zero down. Real estate investing is about making a deal work for all parties. Find ways to get what you want, and get the seller what he wants. That’s more important than having large amounts of cash on hand.

If you are investing in single family homes, and want to do so with zero down.

[contact-form 1 "Contact form 1"]

 Our properties gives you the power to be financially comfortable with NO money out
of your pocket.

This translates into 5 to 6 figure profits for each transaction.
The homes selected for this program are new or in excellent condition, in nice neighborhoods
and have a qualify tenants with a lease in place. and with a management team to
take care of the home on your behalf.

Section 8 Tenant on a New One Year Lease @
$1350 a Month- Massive Cash Flow on this One!! Appraised value $165,000 Price and
loan amount $105,000 (instant equity $60,000) Cash in your pocket at closing $5250
Money out of your pocket $0.00

Stories: 1.5 Beds: 5 Baths: 2 Sq. Ft.: 1,800 
Your benefits as a Credit investor…

* No money out of your pocket. NEVER (not for
down payment and not for closing cost)

* instant equity of 25% to 45%
($25000 to $80,000) * instant cash at closing for you to spend freely ($5,000 to
$30,000)

* Huge 5 to 6 figure profits for each transaction

* Positive income every month * All tax benefits

* 100% of all the Maintenance, Tax, Management and Mortgage
payment are cover from the rent.

* 100% of all Net Operating Income * 100% of the
future appreciation * 100% of Principal Paydown

* Investment fully secured by property
* Great management team to deal with tenants and maintenance

* One Year Home Warranty.
* One Year management FREE.

The loan to the Credit investor for that purchase is a full doc. Minimum credit scores are presently 700+. For more information please
e-mail to above address with your name, phone number and your credit score.

Real Estate Investment, Secrets to Investing in Real Estate

[contact-form 1 "Contact form 1"]

NO Money Down Properties| All You need is a GOOD CREDIT

Our properties gives you the power to be financially comfortable with NO money out of your pocket. This translates into 5 to 6 figure profits for each transaction.
The homes selected for this program are new or in excellent condition, in nice neighborhoods and have a qualify tenants with a lease in place. and with a management team to take care of the home on your behalf.
Section 8 Tenant on a New One Year Lease @ $1350 a Month- Massive Cash Flow on this One!!
Appraised value $165,000
Price and loan amount $105,000 (instant equity $60,000)
Cash in your pocket at closing $5250
Money out of your pocket $0.00
Stories: 1.5
Beds: 5 Baths: 2 Sq. Ft.: 1,800

  Your benefits as a Credit investor…
* No money out of your pocket. NEVER (not for down payment and not for closing cost)
* instant equity of 25% to 45% ($25000 to $80,000)
* instant cash at closing for you to spend freely ($5,000 to $30,000)
* Huge 5 to 6 figure profits for each transaction
* Positive income every month
* All tax benefits
* 100% of all the Maintenance, Tax, Management and Mortgage payment are cover from the rent.
* 100% of all Net Operating Income
* 100% of the future appreciation
* 100% of Principal Paydown
* Investment fully secured by property
* Great management team to deal with tenants and maintenance
* One Year Home Warranty.
* One Year management FREE.
The loan to the Credit investor for that purchase is a full doc. Minimum credit scores are presently 700+.
For more information please e-mail to above address with your name, phone number and your credit score.

Real estate with zero down? Why would a seller walk away from closing with nothing? They wouldn’t, and that brings an important point about real estate investing with no downpayment: The seller almost always needs to get cash at closing, but it doesn’t have to be YOUR cash.

Zero Down Example

I’m selling a rental property right now, with payments of $400/month. The buyer has good credit, and his $5,000 downpayment covers closing costs and even a foreclosure, if necessary. At this point, I don’t care where he gets the downpayment. A $6000 cash advance on a credit card for example, would cost him about $135 per month, and provide enough for the downpayment and his closing costs.

In this case, with rent around $600 per month, he’d be okay. In many cases, however, the extra $135 would cause negative cash-flow. However you do it, just be sure the numbers work. By the way, I would have accepted payments of $350, if he had asked, because it’s the price and the interest rate that are important to me.

More Zero Downpayment Methods

While some sellers (like myself) are able to offer terms and low downpayments, most need or want at least 70% of the price in cash. This means you need to think in terms of how to get a primary loan, then how to raise the money for the remainder. Some examples follow.

Some banks do “no doc” loans, meaning they don’t require verification of your income, source of downpayment, etc. They’ll generally loan 70% to 80% of the property value, so if the seller is willing to take a second mortgage from you for the other 20% to 30%, you’re in with no money down. The seller gets 70% or 80% now in cash, plus payments for years to come. You’ll have two payments, of course, so be sure that the numbers work.

You can borrow against your home or other property you own to come up with downpayment money. You can borrow from friends and family. You can borrow against your car if you owe nothing on it. If you borrow for a “vacation,” and leave whatever you don’t spend in your checking account for a while, you can use it without violating bankers rules about borrowing for a downpayment.

There are usually a few “note buyers” around, even in smaller towns. These investors buy land contracts, mortgage loans and other “notes” at a discount. Say a seller takes a purchase money mortgage from you for $100,000, for example. A note buyer might pay him $85,000 for it. How does that help you or him?

An example: A seller prices his property at $194,000, but expects to sell it for about $180,000. You offer $205,000 (making sure you’ll still get cash flow) in the form of a mortgage for $160,000, and another for

$50,000. You arrange for the sale of the first mortgage at closing for $136,000 to a note buyer. The seller gets $136,000 cash, plus payments from you on the second loan for $50,000. Notice this adds up to $186,000, which is more than he expected to get out of the deal. 

These are some of the ways you can buy with zero down. Real estate investing is about making a deal work for all parties. Find ways to get what you want, and get the seller what he wants. That’s more important than having large amounts of cash on hand.

If you are investing in single family homes, and want to do so with zero down, you may also want to read the article on

 REGISTER HERE NOW!

 How it works

 By Mel Kim, Founder of Mel Kim Realty Investments 

 This is the perfect choice for passive real estate investors. Our program gives you the power to be “the bank”. This translates into 5 to 6 figure profits for each transaction with profit of 21.5 to 24.3% (see sample projection).

 The homes selected for this program are in good to excellent condition, in nice neighborhoods and do not require rehab.

 Most transactions are in the $75,000 to $500,000 range. 

 How it works…

 Buyers that are not yet credit ready to be approved for standard home purchase loans or just want to avoid the “red tape” associated with the regular mortgage process, can have a “Credit Partner” (credit investor) purchase the property for them. 

 The investor loan to the Credit Partner for that purchase can be full doc or stated. Minimum credit scores are presently 680. The Credit Partners need some verifiable liquid or semi-liquid assets for “reserves”  (bank deposits, stocks, bonds, mutual funds, retirement accounts, cash value of insurance or other). These funds only need to be verifiable and are not actually used. 

 Each property is resold by the Credit Partner using a Lease Purchase Agreement (or alternative), with a typically 3 year term. Closing costs are paid by the Buyers or a participating third party independent real estate investor (not the Credit Partner). Since you are not paying any closing costs, your cash-on-cash rate of return on investment skyrockets.

The buyer pays the mortgage payments for the Credit Partner’s investor loan (principal, interest, insurance, taxes and all other costs).

The Credit Partners receive an estimated 3.5% as an annual compensation/profit for the use of their credit plus an instant 11% cash/equity position (profit) at closing.

 “Credit Partners” if classified by mortgage companies as  “seasoned investors” can often participate in up to 10 or more transactions per year. 

 Closing costs are usually paid by a 3% seller contribution. Any amount exceeding the 3% is being immediately and fully reimbursed after closing.

 This provides a rare opportunity to invest into real estate. Magix Professional Network Members and other registered real estate investors will have both sellers and buyers ready for the transaction and arrange for the financing and Lease Purchase transaction. An experienced third party mortgage payment processing company functions as a collection and bill paying service for the applicant/buyer and Credit Partner.Your benefits as a Credit Partner… 

  REGISTER HERE NOW!

   • Huge 5 to 6 figure profits for each transaction

• Investment fully secured by property

• Applicant/end-buyer pays 10% cash down from their own funds

• Credit Partner receives all stated amounts net of all costs and fees

• Third Party payment processing for your protection

• Tax benefits (all or shared) 

• No management costs 

• 100% of all the Maintenance and Repair costs are paid by the end-buyer/lessee 

Depending on the Credit Partner’s particular credit an investor loan may be obtained for 80% or 90% of the purchase price.

 Credit Partners qualifying for 90% financing will realize a zero cash investment (since the Buyer contributes a 10% cash down payment) receiving a minimum of 11% in cash immediately after closing. The obvious benefit here is the immediate upfront cash profit.

 With a qualification for 80%, the Credit Partners need to pay 10% cash down (which will be combined with 10% from the end-buyer for a total 20% down payment). With the upfront compensation the Credit Partners realize a net zero cost investment (since the 10% down payment is fully recovered by payments to the Credit Partners after closing), receive a minimum of 1% cash at closing plus receive an immediate 10% equity position in the property. The benefit is an almost 13% higher profit over three years compared to the 90% financing.

 The following sample projections are based on a $300,000 property value.

1.

A typical transaction with 90% financing has the following profit points:

 Upfront compensation (at closing) 11% of 90% = $29,700

Annual additional compensation 3.5% (of 90%) = $ 9,450 with $787.50 monthly payments. Over 3 years that amounts to $28,350 (10.5%)

 Total = $58,050 = 193.5% based on 10% Credit Partner down payment over three years (21.5% based on 90% – 80% financing plus 10% down)

 2.

A typical transaction with 80% financing has the following profit points:

 Upfront compensation (at closing) 11% of 90% = $29,700 (1% compensation is cash, 10% is the equity interest which will be cashed out after 3 years)

 Annual additional compensation 3.5% (of 80%) = $ 8,400 with $700 monthly payments. Over 3 years that amounts to = $25,200 (10.5%)

Interest on 10% Credit Partner down payment (estimated at 12% per year) equals 1.2% of the transaction = $3,600 with $300 monthly payments, over 3 years 3.6% = $10,800

 Total = $65,700 = 219% based on 10% Credit Partner down payment over three years (24.3% based on 80% financing plus 10% down)

  Your benefits as a Credit investor…
* No money out of your pocket. NEVER (not for down payment and not for closing cost)
* instant equity of 25% to 45% ($25000 to $80,000)
* instant cash at closing for you to spend freely ($5,000 to $30,000)
* Huge 5 to 6 figure profits for each transaction
* Positive income every month
* All tax benefits
* 100% of all the Maintenance, Tax, Management and Mortgage payment are cover from the rent.
* 100% of all Net Operating Income
* 100% of the future appreciation
* 100% of Principal Paydown
* Investment fully secured by property
* Great management team to deal with tenants and maintenance
* One Year Home Warranty.
* One Year management FREE.
The loan to the Credit investor for that purchase is a full doc. Minimum credit scores are presently 700+.
For more information please e-mail to above address with your name, phone number and your credit score.

Real estate with zero down? Why would a seller walk away from closing with nothing? They wouldn’t, and that brings an important point about real estate investing with no downpayment: The seller almost always needs to get cash at closing, but it doesn’t have to be YOUR cash.

Zero Down Example

I’m selling a rental property right now, with payments of $400/month. The buyer has good credit, and his $5,000 downpayment covers closing costs and even a foreclosure, if necessary. At this point, I don’t care where he gets the downpayment. A $6000 cash advance on a credit card for example, would cost him about $135 per month, and provide enough for the downpayment and his closing costs.

In this case, with rent around $600 per month, he’d be okay. In many cases, however, the extra $135 would cause negative cash-flow. However you do it, just be sure the numbers work. By the way, I would have accepted payments of $350, if he had asked, because it’s the price and the interest rate that are important to me.

More Zero Downpayment Methods

While some sellers (like myself) are able to offer terms and low downpayments, most need or want at least 70% of the price in cash. This means you need to think in terms of how to get a primary loan, then how to raise the money for the remainder. Some examples follow.

Some banks do “no doc” loans, meaning they don’t require verification of your income, source of downpayment, etc. They’ll generally loan 70% to 80% of the property value, so if the seller is willing to take a second mortgage from you for the other 20% to 30%, you’re in with no money down. The seller gets 70% or 80% now in cash, plus payments for years to come. You’ll have two payments, of course, so be sure that the numbers work.

You can borrow against your home or other property you own to come up with downpayment money. You can borrow from friends and family. You can borrow against your car if you owe nothing on it. If you borrow for a “vacation,” and leave whatever you don’t spend in your checking account for a while, you can use it without violating bankers rules about borrowing for a downpayment.

There are usually a few “note buyers” around, even in smaller towns. These investors buy land contracts, mortgage loans and other “notes” at a discount. Say a seller takes a purchase money mortgage from you for $100,000, for example. A note buyer might pay him $85,000 for it. How does that help you or him?

An example: A seller prices his property at $194,000, but expects to sell it for about $180,000. You offer $205,000 (making sure you’ll still get cash flow) in the form of a mortgage for $160,000, and another for

$50,000. You arrange for the sale of the first mortgage at closing for $136,000 to a note buyer. The seller gets $136,000 cash, plus payments from you on the second loan for $50,000. Notice this adds up to $186,000, which is more than he expected to get out of the deal. 

These are some of the ways you can buy with zero down. Real estate investing is about making a deal work for all parties. Find ways to get what you want, and get the seller what he wants. That’s more important than having large amounts of cash on hand.

If you are investing in single family homes, and want to do so with zero down, you may also want to read the article on