The document outlines the steps and strategies for investing in real estate properties, including choosing the right property type, marketing and managing rental properties, and case studies of individuals who have built wealth through real estate investments over time by leveraging tools like bank loans and capital appreciation. The presenter, Carl Dy, is introduced as an experienced real estate investor and consultant who will share how to continually build a property portfolio with the goal of generating passive income from rental properties.

3. LET’S PLAY A QUICK GAME
FIND A PARTNER

4. Guess Who

6. Guess Who

12. Thank you for
coming

13. How many here are property owners already ?
How many are looking to buy their first
property ?
Into stocks now wanting to learn property?
Single ? Married ? With kids ?

22. Asset Vs
Liability
Build up
Cash flow

23. WHAT DO YOU THINK IS THE
“GREATEST SECRET”
OF THE WEALTHY ?

24. PASSIVE INCOME !

25. WHICH WOULD YOU CHOOSE ?

26. WHICH WOULD YOU CHOOSE ?

27. WHICH WOULD YOU CHOOSE ?

28. WHO WANTS TO WORK FOREVER ?

29. ENJOY LIFE !- WORK BECAUSE YOU WANT
& NOT BECAUSE YOU NEED TO !

30. MEANING OF INVESTMENT ?
is a monetary asset purchased
with the idea that the asset will :
- provide income in the future or
- appreciate and be sold at a higher
price.

31. CAPITAL APPRECIATION
LEVERAGE
Cash Flow

32. “Miguel” 27yrold
P700K
downpayment
Condo=P2.5MIL
P1.8M=10yr
loanfrombank
P20k/mo

33. “Miguel” 27yrold
MONTHLY
p20K
RENT
p20K
AGE 27 TO 37 = ZERO INCOME

34. “Miguel” 27yrold
NEVER TOO YOUNG TO START
PROPERTY INVESTING
LEARN HOW TO UTILIZE
BANK FACILITIES
INSTALLMENT = FORCED SAVINGS

35. REASONWHYYOUSHOULDINVESTINPROPERTY
LEVERAGE
The use of various
financial instruments or borrowed
capital, such as margin, to
increase the potential return of an
investment.

36. CAPITAL APPRECIATION
LEVERAGE
Cash Flow

37. BET # 1 - 2009
UNDESIRABLE
TRIANGULAR SHAPED
STUDIO UNIT 20sqm
CONDITION: OLD AND SMELLY
FOR SALE FOR MORE THAN 1 YEAR
ASKING PRICE 2009 = P 1.4M

38. Very small 20sqm – Smelly, Triangle Shape

39. Vacant for a year and no buyers – no View

40. Dirty, Old , Outdated

42. Moldy, Dirty utility area

43. WILL YOU BUY THIS ?
Text Questions to 0917 531 6310

45. Built in cabinets

46. Niche for toiletries, glass enclosure, new tiles

47. Covered old windows, new aircon, built in tables

48. Cleaned up the service area, add bar type sink

49. Built in the bed and hid the post
Use triangular accents to match unit’s shape

50. Use the narrow entry to be work area
Change flooring also

51. UNIT PURCHASED AT P1.2M ( 2009 )
+ RENOVATION 300K
TOTAL SPENT = p 1.5M
RENT = P 17,000/mo
RETURN on EQUITY = 13%
4th year of renewal by same tenant
Tenant Profile = Junior lawyer female working 2 bldgs away

52. LEARNINGS
One man’s trash is
another man’s treasure
Be scientific in viewing your
property
Don’t be too emotional
Big potential in giving value to
the working class segment

53. JAN 1, 2012
VAT EXEMPT = From
P 2.5M
To
P 3.199M

54. #1 – IDENTIFY YOUR TARGET CLIENT
#2 – CHOOSE YOUR CONDO OF CHOICE
#3 – CASH FLOW ANALYSIS
#4 – EVALUATE YOUR RISK
#5 – KNOW YOUR EXPENSES
STEPS TO INVESTING IN CONDO RENTALS
EDUCATE YOURSELF

55. #2 – IDENTIFY YOUR TARGET CLIENT
Different market
class has
different needs
& budget
STUDENTS
BLUE COLLAR
WORKERS
MIDDLE MANAGERS
EXECUTIVE
EXPATS
SINGLE
COUPLES
FAMILY W KIDS

56. #2 – PINPOINT YOUR CONDO OF CHOICE
LOCATION IN RELATION
TO YOUR MARKET’S
NEEDS
TRACK RECORD OR
ETHICS OF THE
DEVELOPER
VALUE OF THE CONDO
( Amenities, Land Size, Features )
AFFORDABILITY
( available financing )

57. #3 – CASH FLOW ANALYSIS Condo =
P3Mil
P 30,000
/ mo rent
= 10% / year
Return !
DEDUCT expenses
1. Property Tax –
P5,000
2. Assoc Dues –
P 25,000
3. Brokers Service
Fee – P 30,000
P 360,000
/ yr rent
P 300,000
/ yr rent
Yearly rent
Divided by
Purchase Price
X 10
P 360,000
divided by
P 3Mil
= 12%
P 300,000
divided by
P 3Mil

58. #4 – EVALUATE YOUR RISKS
RISK OF NO TENANT
RISK OF BAD TENANT
RISK OF NON COMPLETION / DELAY
ECONOMIC SLOW DOWN
TENANT / PROPERTY MANAGEMENT
EXIT PLAN

59. #5 – KNOW YOUR EXPENSES
FIXED EXPENSE
VARIABLE EXPENSE
REAL PROPERTY TAX
ASSOCIATION DUES
MAINTENANCE COSTS
INSURANCE

60. WHO WANTS TO
LEARN MORE ?

62. #1 – IDENTIFY YOUR MARKET
#2 – FURNISHING YOUR UNIT
#3 – ATTRACTING RENTERS
#4 – STAGING YOUR UNIT
#5 – PROTECT YOURSELF ( LEASE CONTRACT )
#6 – LAST STEP - TAKING CARE OF YOUR TENANT

63. #2 – FURNISHING YOUR UNIT
#1
DO – Have a single
theme
#2 DON’T – Be ordinary
#3 DO – Create lots of storage
#4 DO – Think about your
tenant’s comforts
#5 Don’t – buy cheap and
flimsy furnitures

64. #3 – ATTRACTING RENTERS
#1
DO – Take beautiful photos
#2
DO – Create a
sales pitch
#3 DON’T – Forget
traditional media
#4 DO – Use social
media
#5 DO – Send out
direct mailers
#6 DO – Make an
open house

65. #4 – STAGING YOUR UNIT
#1
DO – Clean up the entry
#2
DON’T – Leave
broken things
unfixed
#3
DO – Clean up clutter
#4
DO – Let the light in
#5
DON’T – have a
bad smelling unit
#6 DO – Pay attention to
the toilet
#7
DO – Night viewing

66. #5 – PROTECT YOURSELF ( LEASE CONTRACT )
#1 Details of Unit
-Price
-Term of lease
-Amount of lease
-Advance Rent
-Security Deposit
-Conditions on monthly
payment
#2 More
Conditions
-Utility payment
-Violations and penalty
-Use of unit
-Improvements and
alterations
-Insurance
-Aircon maintenance
-Repairs
-Building maintenance
-Escalation of rent
-Violations
#3 More Details
-Inspection of premises
-Sublease or transfer of
rights
-Maximum allowable
persons
-Selling of property
-Hazardous / prohibitive
materials
-Rules of condo
-Pets
-Abandoned property
-Default payment
-Attorney and court fees

67. #6 – LAST STEP - TAKING CARE OF YOUR TENANT
#1
DO – Treat your
tenant like your
best customer
#2
DO – Start our on the right foot
#3 DON’T – Short change
your tenants
#4 DON’T – Be hard to reach
#5
DO – Be open
for upgrade
options
#6
DO – Have a
personal
connection
#7
DON’T take
shortcuts

68. #6Steps !
#6Steps !

69. #6Steps !

70. #6Steps !

71. #6Steps !
#6Steps !

72. #6Steps !

74. WHO WANTS TO
LEARN MORE ?

75. March 28, 2015 (Saturday)
SM AURA CONVENTION CTR
TAGUIG, BGC

77. MARCH28,2015
Saturday–2-6pm
2-6pm
Smxauraconventionctr.
P5,000

78. Commonly Asked Questions

79. What Big thing happened last Feb 2, 2015

80. Will this hotel do a lot of marketing to bring in people ?

81. The Biggest Convention Center in the PH

82. BIGGEST & BEST STADIUM IN PH

83. Where big international events and concerts are held

84. The Biggest Mall in the Phils

85. What ongoing infrastructure will
be ready by 2016

86. NAIA EXPRESSWAY – Airport to Manila Bay

87. TOURISM IS GROWING - Be Part of it !

88. Do you want a
Property where
you don’t have to manage your
tenant ? Don’t pay dues ?
And just collect profits ?

89. From business point of view – Is hotel good ?

90. 30 !!
nights free
Stay in your own hotel for free when there is a concert ?

91. VAT FREE !!
P 3.188M

92. Gives a 8-12% return on your capital

93. Ready for use in
1 year !
No need to wait 3-5 yrs

94. Flexible Pay Scheme
P2MIL loan
= P25k / mo
10yrs

95. Developed & Managed by a Billionaire

96. One disadvantage !

97. Do you want to know what this
exciting property is called ?

99. Thank you for being a great audience !

101. “Property investment, just like business is not an
automatic money generating product.
One must have a passion for it,
create then execute a strategy, and give time plus
effort for the investment to flourish”
Thank you - Carl Dy

102. THANK YOU !

103. Who wants to know more ?

104. P350,000
House & Lot
in QC
LOLA THERESA - 1976
P350,000
Bank Deposit
45 yr. old

105. P350k to
P15Mil
35 years
What do you think
happened to the P350k
in the bank ?
LOLA THERESA - 1976

106. LOLA THERESA - 1976
Your home is your best property investment
You are able to use, enjoy, create memories
At 45 yrs. old, it is still not late
If you are renting
consider purchasing your primary home

107. 1ST REASON WHY YOU SHOULD INVEST
IN PROPERTY
CAPITAL APPRECIATION
A rise in value of an asset
Based on a rise in market price

108. 1962
P55/m
P27,500
When is a good time to buy ?
1982
P1375/m
P650,000
2002
P20,428/m
P10.2M
2014
P100,000/m
P50M

109. HOUSEWIFE
5 kids
( AGES 3,5,7,8,10 )
Auntie Lucy- 1984
35 yr. old

110. 5 +4 Door Apartment
Auntie Lucy- 1984
1984
6k / unit
Total = P 24k
2014
P 20k / mo
Total = P 160k

111. Cash Flow is the ultimate goal
Auntie Lucy- 1984
Unlike business, property is easier
to manage
Profit is simple to compute

112. 2nd REASON WHY YOU SHOULD INVEST IN PROPERTY
Cash Flow

113. If you are given automatically every 1st of
the month P30,000
- What would you do on the first month ?

114. If you are given automatically every 1st of
the month P300,000
- What would you do on the first month ?

115. PANG MAYAMAN LANG BA ANG REAL ESTATE ?
How our driver “ROY” invested in property
#3
Capital Appreciation
#2
Cash Flow
#1
Leverage

116. Real estate with minimal cash
#1 Extra Room in your
house
#2
share purchase with your
siblings
#3
Rent your garage
or front yard
#4
Book a room, then
sublease it

118. Questions Break

119. Questions Break

120. Questions Break

121. Questions Break

122. Quick Exam

123. Questions Break

124. Commonly Asked Questions

125. Questions Break

127. QUESTION

128. 2 types of investment
Tangible investments
- Bank products
- Equities
- Real estate
- Jewelry
- Profitable Business
Intangible investments
- Education
- Reputation
- Time with family
- Relationships
- Personal Growth

129. WHERE CAN I GROW MY MONEY ?
BANK SAVINGS
INSURANCE PRODUCTS – BONDS
FOREX
STOCK MARKET
BUSINESS
PROPERTY

130. WHY DO YOU NEED TO SET ASIDE ?
Loss of life
Loss of income – Old Age
Health Concerns
Business / Economic slowdown
We don’t want to work forever

131. How Many Nights
free ?
Stay in your own hotel for free when you visit Manila ?

132. ACTIVE vs PASSIVE INCOME
ACTIVE INCOME –
income for service
performed
-Paycheck
-Doctor seeing patient
- Chef cooking
- Sales person
- Corporate Executive
- Lawyer
- Architect
PASSIVE INCOME – not
actively involved
- Bank products
- Royalties
- Business System
- Dividends
- Real Estate
- Business Parntership

133. CREATING WEALTH USING REAL ESTATE
MODULE 1: CHOOSING THE RIGHT PROPERTY
Different types of properties
Pros and Cons of each property type
Which property is best for you
The greatest secret of the wealthy
Active vs Passive Investing
How will I know if I can afford to buy property
Advantage of investing in properties
Disadvantage of properties over other vehicles
Factors in choosing your properties
CASE STUDY
Old condo renovated now getting 10% returns
Pre Selling Condo purchased using instalment making 10% returns
Capital appreciation of an actual landed property purchased using long
term bank loan
MODULE 2: MARKETING & MANAGING YOUR PROPERTIES
Tips on renovating your property
Tips on marketing your property
Furnishing your property
Protect yourself with a solid lease contract
Taking care of your tenant
Lessons learned about rental properties
P3,000Real Estate
Wealth Manila

134. Carl Dy is a property investor and property portfolio consultant. He has more than a decade of
experience in the real estate industry. He has worked with property giant Ayala Land Inc. for 11
years with his last post being Director for Sales for the Ayala Land Premier brand. He also has
past experiences of being President of high end Ayala condominiums and residential villages.
Carl Dy is currently the President of Spectrum Investments, a company that is into consulting
and managing property portfolio of investors. Currently, the company manages properties in
high value areas like Rockwell, Makati, Ayala Center , Bonifacio Global City & Nuvali.
Carl Dy is a graduate from UST and an architect by education. He believes that property
investment, just like business is not an automatic money generating product. One must have a
passion for it, create and execute a strategy and give time and effort for the investment to
flourish.
Carl Dy will share with you how he is continually building up his property portfolio with an
ultimate goal of living on passive income from property. He has given talks, written articles on
property investing and has been featured in MoneySense magazine, Entrepreneur Magazine,
various broadsheets, and in several radio and tv programs including Chinoy TV & ANC’s on
the money.