4th Quarter Rally "To All Looking For Great Returns!!"

I am the Director of Investor Relations for one of Southern California’s leading participants in the dynamic world of rehabbing and reselling foreclosed properties. We are presently seeking interested parties to partner with us to purchase, rehab and resell our ever-expanding pool of homes.

We are rehabbing and reselling foreclosed properties profitably throughout the United States. We are currently raising money for our newest fund which is focused on distressed residential properties.

Our process is very simple: we believe in taking a low risk, high turnover approach. Under this, we do not seek high returns from individual properties, but rather consistent returns from multiple properties. We are constantly purchasing homes to return to best-of-market quality, and typically complete the purchase/repair/disposition cycle in about 90-120 days. We would be happy to discuss our approach or send you additional information or a prospectus. Please contact me if you are interested at mn.equityproject@gmail.com

Average investment is $60k per home all inclusive, *financing is available for the right partners. (*650 minimum fico, verifiable income and assets, minimum 10 homes)

Six Reasons Our Homes Will Make You Rich

1. Inflation - Past, Present & Future. The historic rate of inflation is roughly 3 percent but double digit inflation has taken place during periods of economic volatility and expansionary monetary practices such as those embraced by the current administration. Experts ten to believe we may encounter inflation in the 8 or even 10 percent rate within the next three to five years leading to high rates of nominal returns among all physical assets including real estate.

2. Demographic Demands - Immigration, escalating birth rates among minority populations and longer lifespan for elderly citizens all adds up to a rapidly expanding number of people seeking shelter and basic homes.

3. Declining Inventory - The media makes much ado about excess inventory but savvy REO sale investors will also notice the simultaneous reporting of a 'shortage' of affordable housing. Can both situations be true?

Yes. While the absolute number of housing units available may currently exceed demand, the actual number of affordable and desirable units is much more restrictive. For example, pier construction, energy efficiency, zoning regulations and other mandates often result in a lack of affordability even if the primary mortgage is acceptable. As units become functionally obsolete, the demand for safe, convenient, inexpensive homes will grow.

4. Leverage - Real estate benefits the small investor via the use of leverage; few other investments have the advantage of leverage combined with physical assets and alternative sources of income; it's a winning combination that provides maximum flexibility and minimal personal risk when properly structured.

5. Taxing Tribulations - Budget shortfalls and aggressive social support obligations are stressing federal and state budgets to the maximum. Earned income taxes, estate taxes and even a newly proposed VAT tax are likely to take a big bite out of average taxes for middle class Americans. Shifting from higher taxed earned income to lower taxed Capital Gains is a quick way to reduce the overall tax burden by 10 to 15 percent.

6. Short vs. Long Term Strategy. The age old adage to "buy and hold" stocks, bonds or even real estate for the long haul has come under increased scrutiny in the wake of fiscal irresponsibility, irregular reporting habits and unreliable regulatory agencies. The new trend is to take profits when they are available, maximize cash flow and focus on short term gains rather than the promise of long term appreciation. REO and Short sales provide exceptional ROI without the long term risk.

Average example of standard Property:
Purchased / renovated / rented: 50-60% LTV CMV
Sold to Investor "Rented" (average 120-180 days): 70 – 80% LTV CMV
If property portfolio average home is rented out at $1200 per month.


--
Sincerely,


Founder
mn.equityproject@gmail.com




Angel Investors

1.2 MILLION HOMES LOST TO FORECLOSURE...SITTING THERE WAITING FOR YOU TO BUY!!

According to the Mortgage Bankers Association (MBA), 1.2 million households were lost from 2005 to 2008, despite the population increase of 3.4 million in the study area.

This decline in households is likely what contributed significantly to the excess supply of apartments and single family homes on the market. The study, “What Happens to Household Formation in a Recession,” was conducted by Professor Gary Painter of USC and sponsored by the Research Institute for Housing America (RIHA). It analyzes the impact of economic and housing conditions on household formation and how the recent recession has affected Americans’ propensity to form new households, mobility trends, and changes in the rate of overcrowding.

Key trends are:

- In a recession, the likelihood that a young adult will form an independent household falls by up to 4 percentage points depending on the age of the person and severity of the changes in unemployment rates. In this particularly severe recession, this prediction has been borne out with data through 2008 revealing a reduction of nearly 1.2 million households nationwide despite the continued increase in population and likely even more households lost in 2009.

- Though the national homeownership rate has fallen from a peak above 69% to just over 67%, this decline may be understating the magnitude of the change when we take into account the simultaneous drop in renter household formation. In fact, the rental market saw a steeper decline in new households formed than the homeownership market. As a result of this drop, the denominator in the homeownership rate calculation has been reduced, mitigating the decline in homeownership.

- This recession has also caused a dramatic increase, almost five-fold, in the rates of overcrowding (defined as having more than one person per room in the household), indicating that many families are doubling up in response to the downturn.

- Overall, there was a greater impact on the creation of new households among native born Americans over new immigrant households. The data show native born Americans experienced a larger decline in household formation and a larger increase in overcrowding rates than immigrants.

- Children whose parents have higher incomes are more likely to remain at home, with this effect largest for youths moving into the rental market. However, children whose parents have higher financial wealth are more likely to form their own new rental households.

OK SO LETS GO OVER SOME SIMPLE MATH:

1,200,000 HOMES / 50 STATES IN THE U.S. = 24,000 HOMES AVERAGED PER STATE

SIMPLY PUT THERE IS A PLETHERA OF INVENTORY AND THERE HAS NEVER BEEN A BETTER TIME TO BUY!

I DO NOT CARE IF YOU ARE INVESTING LOCALLY OR BUYING BULK INVENTORY "1 HOME TO 1,000+", I HAVE THE SUPPLY.

The REO product is direct from the source for all states and regions. The most comprehensive thing about these programs is the direct cost given to you the end buyers. The company acts as the buying Mandate allowing our partners and clients to access the same inventory we purchase at the direct price we receive it for. We act as you’re buying Mandate passing the direct cost on to the buyers without all of the daisy chains. All fees associated with purchasing is 3% for a full service suite of services, all you have to do as the client is sign the contracts and show up for the closing.

The Official website will be up and running full steam on or before August 14th 2010 offering bulk product direct from the banks to buyers across the globe. Make sure if you are a real buyer to register today and make sure to review the programs below for immediate purchase of inventory direct at real direct bank pricing.

Buyer Programs:

1. Daily Buying by City and State.
This program is designed for all buyers who are looking to purchase specific homes based on geographic regions on a daily, weekly or bi-weekly basis.
• All 50 States
• 1unit – Unlimited
• $2k Earnest per home
• Buyer Specific Properties

2. Custom Tape Nationwide “5 Million Minimum”
This program is designed for the larger buyer looking to purchase Bulk REO properties in Tapes across the country. These tapes are built directly for the specific buyer with the supplying banks.
• All 50 States
• 5 Million Minimum
• 10% Earnest per tape
• Monthly Closing

3. Monthly Nationwide Tapes by State
This program is designed for buyers that purchase smaller to medium Bulk REO tapes averaging 20- 100 properties per state. Tapes are delivered on the first of every month for closings on the 15th of every month.
• All 50 States
• Unlimited amounts of inventory if purchasing nationwide
• 150k Earnest
• Consistent monthly supply up to 200 million per month

4. Non Performing Notes Nationwide
This Program is designed for buyers that purchase Nationwide NPN’s. Product is delivered on the first of every month for closings on the 15th of every month.
• Nationwide
• 10% Earnest
• Consistent monthly supply at $.30 cents or less




Angel Investors

Top Trends for Real Estate in 2010!

A lot has changed in real estate; those that fail to keep up with the most recent trends risk more than the title of "antiquated"...they risk missing out on the best deals.

1. Buying in Bulk.
Banks have a lot of non-performing properties to unload so it should come as no surprise that trying to sell foreclosures one at a time is not only time consuming but also expensive. One of the hottest trends emerging in 2010 is for well funded investors or investment groups to purchase steeply discounted properties by buying in bulk....often for as little as 30 to 50 cents on the dollar. It's a win-win situation for all parties; investors obtain maximum discounts and heightened ROI while banks save time and money by rapidly disposing of properties all at once.

2. Social Media Marketing.
With nearly 90 percent of all buyers starting their real estate search online, social media marketing is growing at a fast and furious pace. Photographs and virtual tours are not just expected, but failure to include extensive visual elements is akin to a death sentence for most agents. Tweets, blogs and information marketing is more than a way to get the word out about a property...it's increasingly viewed as a prerequisite for obtaining the trust of future clients. Recent surveys found that over 80 percent of people read a blog, signed-up for email newsletters and read other online forms of communication provided by the agent before deciding to do business with them. Make your mark count by learning how to effectively use social media marketing, email newsletters, blogs and other forms of mass communication to market your services and homes.

3. Banking & Broker Blues.
Although rates have remained low, banks have been sending signals that tougher lending standards are only the tip of the iceberg when it comes to financing. Brokers remain at risk for the loans they write resulting in increased vigilance and intense scrutiny. New Fannie/Freddie guidelines that go into effect this summer will further constrain already stretched consumers by increasing down payment requirements needed to obtain conventional financing after a pre-foreclosure event. Even top rated investors with perfect credit are finding it increasingly difficult to deal with number of loan limits and other constraints.

4. Going Green.
From lead laws to EPA regulations, real estate is slowly but surely going green. Although tax incentives and other initiatives have failed to make the desired impact, escalating utility bills combined with tax credits and legislative restrictions are beginning to show in the market. Expect to shell out big bucks for energy efficient appliances including new air conditioning/heating, pay more for repairs thanks to lead law certification and reap larger returns for properties that already conform to environmentally friendly guidelines.

See you at the top!




Angel Investors

FORECLOSURE RATES SURGE!! WOW IF YOU HAVE BEEN FOLLOWING MY BLOG YOU CAN SAY WE SAW THAT COMING................

Foreclosure rates surge, biggest jump in five years (OH SHUT THE FRONT DOOR)Hey we didn't see that coming. Read the rest of the article but at the bottom I have an axe to grind, "Pay attention because again I have to scream it for the rest of the losers in the cheap seats!"

Foreclosures hit a record in the first quarter. According to RealtyTrac Inc. more than 900,000 households — or one for every 138 homes — received a foreclosure notice in the past three months. Experts say it’s a sign that banks are beginning to sort through a backlog of troubled homes at a faster pace. The rate of foreclosures had eased last year as the Obama administration sought to modify loans to give owners more time to work out problems. As several states had similar programs, the trend of foreclosures slowed down, but now that appears to be reversing. “We’re finally seeing the banks start to process the inventory that has been in foreclosure, but delayed in processing. We expect the pace to accelerate as the year goes on,” said Rick Sharga, a RealtyTrac senior vice president.

About 231,000 homeowners have completed loan modifications as part of the Obama administration's flagship foreclosure prevention program through March. That's about 21 percent of the 1.2 million borrowers who began the program over the past year. But another 158,000 homeowners who signed up have dropped out-either because they didn't make payments or failed to return the necessary documents. That's up from about 90,000 just a month earlier. Last month, the administration expanded the program, launching a plan to reduce the amount some troubled borrowers owe on their home loans and give jobless homeowners a temporary break. But the details of those programs are expected to take months to work out. Homeowners continue to fall behind on payments because they've lost their job or seen their mortgage payment rise due to an interest-rate reset. Many are unable to refinance because they now owe more on their loan than their home is worth. The Obama administration's $75 billion foreclosure prevention program has only been able to help a small fraction of troubled homeowners.

BOTTOM LINE IS IT IS THROWING MORE BAD MONEY AFTER BAD MONEY!

The axe I have to grind is very short and sweet the analogy is simple: "If you place ants in a can they will all scurry to get out by climbing out to the top, the problem is none of them will allow another to get out first, hence pulling each other down every time one gets to the top"

Same rule in Human Nature the first rule they teach you in saving a drowning person is that they will take you down with them.

That being said it is simple "losers want everyone else to lose" Remember that.




Angel Investors

Simple Backout Clause! And weekend education...

This is in response to the sassy young man (actually he is a 50+ loser from MN) that sent me an e-mail this morning after I posted this weeks article "LESS THAN AN HOUR AGO". The e-mail basically stated that the banks are the ones helping the country and that there is no way to truthfully take control of our own destiny. "To wrap up this idiots jarble"

So I wanted to respond publicly: #1 If you buy one of my homes and rehab it to new for under $30k anywhere in America, regardless of how bad the economy is you can rent it out for a profit all day long. Prime example this week there are 127 homes for sale from me for $900,000. These homes are worth over $10 Million dollars. Due the math!

NOW IF I DO NOT MAKE SINCE TO YOU, MAYBE HISTORY AND OUR FOREFATHERS WILL:

Did You Know....

No Congress, no President has been strong enough to stand up to the foreign-controlled Federal Reserve Bank.

Yet there is a catch - one that President Kennedy recognized before he was slain - the original deal in 1913 creating the Federal Reserve Bank had a simple backout clause. The investors loaned the United States Government $1 billion. And the backout clause allows the United States to buy out the system for that $1 billion.
If the Federal Reserve Bank were demolished and the Congress of the United States took control of the currency, as required in the Constitution, the National Debt would virtually end overnight; the need for more taxes and even the income tax, itself would come to an end.

Thomas Jefferson was concise in his early warning to the American nation, "If the American people ever allow private banks to control the issuance of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the people of all their property until their children will wake up homeless on the continent their fathers conquered."

Mr. J nailed it on the head, lets start taking bak americas land one house at a time. I can help starting at $8,000 per door.




Angel Investors

Banks Closing every week, Social Security is Underwater. The sky is falling what are we to do?

I will go over the News “Bad” as reporters always put it. But I will make humble “but sensible” suggestions for your review and hopefully call you to action.

Bank closures are making the news nearly every week with plenty more on the horizon.

Although very few people have ever lost money during a bank failure, extensive delays can still wreck havoc when attempting to close on a time sensitive purchase / or bulk transaction. Staying ahead of the bank closures is crucial. And fortunately, it's relatively simple to apply for a second account that serves as a "back-up" bank. Use these quick tips to implement this 15 minute resolution:

1. Select a Secondary Bank. Make sure it's not on the FDIC's list of questionable or failed banks by visiting http://www.fdic.gov/bank/individual/failed/banklist.html.
If you’re current bank is on the list...better open an account sooner rather than later to assure smooth processing of all transactions.

2. Rate the Bank. Just because a bank or lender isn't facing immediate failure doesn't mean they are healthy. Rate the bank by contacting one of the major bank rating entities below:

A.M. Best Company: http://www3.ambest.com/banks/default.asp
Bankrate, Inc.: http://www.bankrate.com/
BauerFinancial, Inc.: http://www.bauerfinancial.com/
Institutional Risk Analytics: http://www.institutionalriskanalytics.com
Weiss Ratings Inc.: http://www.weissratings.com

3. Sign-Up. In most cases you can open and fund the account online. Simply collect your current banking information, driver’s license and other pertinent documentation and allow yourself 15 minutes to establish a new account and transfer funds. Remember to remain below the FDIC insurance limits especially if opening a new account with the same bank or a subsidiary of the same bank.

4. Set-Up Automated Features. Banking shouldn't be something you need to invest time toward so be sure to set-up automatic deposits and payment features to keep the account active and in good standing. Now you are not only prepared should a "worst case" situation arise with your own bank but it's a simple way to keep an emergency funds in place for unexpected repairs or other needs.

Social Security underwater “They have been talking about it for years, now it finally here”

Social Security will pay out more in benefits than it receives in payroll taxes, an important threshold it was not expected to cross until at least 2016, according to the Congressional Budget Office. Stephen C. Goss, chief actuary of the Social Security Administration, said that while the Congressional projection would probably be borne out, the change would have no effect on benefits in 2010 and retirees would keep receiving their checks as usual. The problem, he said, is that payments have risen more than expected during the downturn, because jobs disappeared and people applied for benefits sooner than they had planned. At the same time, the program’s revenue has fallen sharply, because there are fewer paychecks to tax. Analysts have long tried to predict the year when Social Security would pay out more than it took in because they view it as a tipping point — the first step of a long, slow march to insolvency, unless Congress strengthens the program’s finances. When the level of the trust fund gets to zero, you have to cut benefits,” Alan Greenspan, architect of the plan to rescue the Social Security program the last time it got into trouble, in the early 1980s, said yesterday.

Now that the banks that keep our money are failing and shutting there doors, the Federal Reserve that is suppose to pay us our retirement pension is underwater; what are we suppose to do? How will we ever survive?

If you can’t tell I am being sarcastic, it is times like these that really create true wealth.

“You can print money, manufacture diamonds, and people are a dime a dozen, but they'll always need land. It's the one thing they're not making any more of.”

I leave you with this "The failing bank systems and government organizations have never been the solution."

The solution comes in simple human needs. We as humans need necessities and those that provide these necessities are the Kings. Housing and shelter are at the top of the priority list.

And I have it starting at .20 cents on the dollar all across the United States. Just this week we have over 500 homes in inventory and more coming every day. But these homes are only for real cash buyers and financial partners.




Angel Investors

All of my frustration occurs when buyers puff out their chest and demand to dictate what the seller will give them and at what price point!

As a principal or DIRECT authorized principal representative, I will share this information with you. If you are an intermediary, don't bother to ask.

Principals, you've got to have and prove you've got deep pockets to play in this game. Take what you are given to start, then negotiate for what you want later.

I'm going to take a leap of faith and assume if you're here, you already know what the prchasing process is... BUT, if you don't or are foggy about the industry process and only way it will get done, I'll take a minute to give you some BG (BackGround) info.

Please bear in mind, I put this site together to educate. The instruments discussed should only be considered by those who have consulted with their financial advisor and fully understand these topics.

Right here, right now, let's dispell the internet myth that "...large REO tapes of up to $1b are readily available."

"So...show me what you've got in a tape. And Show me the Seller or LOA" "People like this are not buyers they are oxygen theives trust me ask two of my account executives that just wasted a whole week with a big group that did nothing but shop suppliers."

Ask yourself this: If you were the owner of a valuable asset, would you throw it out on the internet to see if anyone would buy it? I didn't think so.
And neither will any bank or servicer.

There exists a process or "protocol" which must be adhered to. If you don't yet know the rules or think you're someone special to which such rules don't apply, have fun wasting your time. Unless you're "hooked up" to the source as direct as possible, you're going to be involved in the most hellalcious exercise in futility of your life known as..."the daisy chain".
Or as my partner refers to it (TSI) "Three Stooges Investing"

There are a number of ways or methods in which to use these instruments to make money. Lots of money. Each instrument is a complex but easy to comprehend maze of intricacies. As you read through this information, you will have questions. Questions that I invite you to ask after following protocol.

REO: "Real Estate Owned". The liquidation of "Bulk" REO assets is typically handled by an "Asset Manager". Most times internally to the institution or servicer.

They will typically deliver a pool ($10 Million to $100+ Million) of properties at 55% to 80% (depending on area, even steeper discounts) of the true value including fees. While the pricing has been about that percentage, getting to the list of properties is another story. The reason the pools are elusive, is simply because they are purchased by well positioned investors before anyone "sees" the list.

Buyers must be ready to pull the trigger at a moment's notice on REO packages (1-2 hours max for commitment of LOI,12 hours for deposit into escrow to hold inventory)That means we need to have our buyer's educated and well prepared.

The REO process is extremely competitive so "newbie" buyers/investors to the game will have great difficulties in securing packages if they don't know "how" the deals work and are structured which is where I come in.

The buyer/signatory MUST be identified upfront on the initial note order form or letter of intent. The seller's must know "who" they are potentially doing business with from the start because of the U.S. Patriot Act so if we cannot get past this key buyer ID disclosure issue with involved buyers we cannot move forward.

Buyer ID is crucial and the first step as the seller will be to check their "watch lists” for certain organizations, names and parties that they are prohibited from doing business with under law. Secondary to that critical item is the new "internal" watch lists the banks have in place due to the unbelievable level of fraud occurring in the arena so the involved parties requesting product for purchase “MUST” be disclosed.


Realistic buyers are a must. We need to ensure we are working with buyers who clearly understand the current market and price points.

Much of the frustration occurs when large buyers with deep pockets puff out their chest and demand to get to the front of the line to dictate what the seller will give them and at what price point. They want high-end everything for little or nothing.

Yes, we are in a correcting real estate market but buyer's must be realistic. This type of attitude and behavior will not fly with the banks and selling sources. These types of buyers/investors will never secure product and will likely get themselves blacklisted.

This is one of the "hot" topics with bankers and private sellers right now. They are sick and tired of arrogant buyers, uneducated brokers and consultants.

Financial performance - last but not least is necessary. The buyer's MUST have their finances in order and be able to prove it.

Cash is king and cash buyer's trump buyer's that use credit. Hard money loans from shakey lending sources for newbie buyer's will not impress the sellers and will likely lessen the buyer's chance of securing a REO or notepool.

We all must remember at the end of the day the Seller decides "who" they will do business with period. They are trading trust deeds for cash and they choose who they will conduct business with. Unfortunately, the buyer's and involved parties are not in the driver's seat on this one as there are more buyer's than seller's right now. So let's all be clear on that...the seller's are in control.


NPN: "Non Performing Notes".

Very simply, these are individual or "pools" of residential or commercial mortgages. Once the borrower fails to meet the promise to pay on the note, the note becomes "non-performing". These instruments can be accessed via similar channels as REO portfolios.

Now for the "Catch 22"..."The" Protocol.

That's just it...there isn't just ONE protocol.

Each seller has their own.

Then the paperwork starts flying all over the place - everybody wants "to be protected".

My advice? Forewarn your clients ahead of time that each seller has their own legal department which means their own set of protocol. Which means thier own "Buyer Profile" form and their own "LOI". In addition, your buyer will need to "proof up".
Typically called a "POF" or proof of funds. A simple statement from the buyers financial institution indicating they do in fact have the required liquid funds to close the transaction. No account numbers necessary. If your deal gets this far, it will then be buyer and seller on the phone hammering out thier deal. So, just relax.

And speaking of the seller...
if you're trying to get next to them...It's like this... you have an exotic Italian car. The best mechanic in town is the only person you let service your car. In fact, every exotic car owner in town wants him to service their car.
This many clients keep him extremely busy. So busy in fact, they don't speak directly with him. They make an appointment with his assistant. The work gets done. Everybody's happy.

That's the game.

CA Partnership is filled all CA properties sold!
Nationwide partners being sought: Available 300+ Properties mixed states available / 300+ Non performing notes available




Angel Investors