Are you interested in growing your wealth? Learn why 7 out of 10 millionaires around the world made their money with the best investment of All Time: Real Estate!! The Top Leaders in the Industry share their tips, techniques and strategies in this magazine, read it today!

1. 411
INSIDE: Find the Funds with PrivateMoney411 – Special Supplement
Print • Online • Network
www.realty411guide.com | Vol. 5 • No. 1 • 2014
A Resource Guide for Investors
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9. JasonHartman.com
Realty411 Wealth
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FOUNDER/CEO
Linda Pliagas
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EDITORIAL STAFF
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Realty411 / reWealth magazine is published quarterly from Santa Barbara County, Calif.
©Copyright 2014. All Rights Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers/columnists are not endorsed by the publishers.
IMPORTANT DISCLOSURE: Publishers and staff are not responsible for performing due diligence on the opportunities offered by this magazine’s advertisers and sponsors. Before
investing in real estate seek the advisement of a trusted financial advisor, attorney or tax
consultant. Beware: Real estate investing can be risky and may result in loss of capital.
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PAGE 9 • 2014
reWEALTHmag.com

10. America’s Buy to Rent Lender
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11. T
by Linda Pliagas
publisher, agent, investor
hank you for spending some time with us, I hope
you enjoy our new issue. We are excited to show off
our largest print edition to date. When we started the
publication in 2007, it was a modest 16 pages and printed on
newsprint; now we own multiple publications, numerous real
estate websites, and we are producing expos around the country. We’ve really grown tremendously, and I’d like to thank
our loyal readers and our advertisers for their support.
Now it’s our time to give back, which is why we are
devoting the entire 2014 to traveling across the country to host
complimentary expos and mixers to connect with as many investors and industry professionals as possible. From New York
City to San Francisco and Indianapolis to McAllen, Texas, we
want to learn the nuances about a variety of markets so we can
better educate our readers.
Over the years, investors from around the nation have relied
on our magazine to make informed decisions on where to
invest, what type of properties to focus on, or whom to train
with to further their real estate education. I take my position
as publisher very seriously, and I’m proud that I have been
in the industry over 11 years as a licensed real estate agent
in California. Besides assisting many with their real estate
transactions by referring them to brokers around the country,
I have also personally purchased, managed, and sold millions
of dollars worth of real estate in five states. Real estate is such
an exciting industry and, to me, finding
solid rental properties is exhilarating. I
truly enjoy the art of real estate. In fact,
my husband and I recently closed escrow
last month on two phenomenal rental
properties in Santa Barbara County. Both were purchased for
half of what the market was just a few years ago and appreciation, in this particular area, is already starting to set in! Folks,
if we can locate two value-priced properties in one of the most
expensive areas of California, I know you can find some solid
deals in your market too.
If being a landlord is not your style, then perhaps you’re
better suited being a private money lender or a note buyer. How
about purchasing tax liens or maybe even a hotel? The beauty
of real estate is that opportunities for investing are diverse,
a lot of avenues for prosperity exist. It’s up to each of us to
learn what type of real estate best suits our personality, needs
and goals. I hope this publication can give you some ideas and
resources to help you in your journey. Until next time,
linda’s note
I truly enjoy the art of Real Estate.
Linda Pliagas
PS: Be sure to keep up to date with our travel schedule by
visiting www.Realty411guide.com/events for our calendar.
YOUR DIGITAL GUIDE TO REAL ESTATE WEALTH
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PAGE 11 • 2014
reWEALTHmag.com

12. contents
11 Publisher’s Note: The Art of Real Estate
13 Memphis Invest Expands to Texas
18 Safety in Numbers with Tax Liens
21 Analyze Marck de Lautour’s Deal
22 Finance Goes Back to Basics
24 Due Diligence with Kathy Fettke
27 Learn About ListedBy.com
30 Perfect Credit with Dr. Grayson
34 Mobile Home Park Investing
with Mike Conlon
37 Discover B2R Finance
38 Secrets from Sensei Gilliland
40 Flipping Houses with
Duncan Wierman & Anthony Patrick
BIRMINGHAM, AL
Pg. 82
42 Jason Hartman Talks Real Estate
44 A Bus Tour with Lori Greymont
CEO of Summit Assets Group
45 Manifest Real Estate Miracles
46 Profile of Hanover Equity Group
47 Zero in on Vacant Homes
49 Special Private Money 411
51 FirstKey Lending Unleashes
Big Capital for Smaller Investors
52 Discover MOR Financial
54 Five Steps to Raising Capital
55 No Fluff with Leonard Rosen
Pg. 81
56 Financial Market Intelligence
60 A Successful Private Lending Practice
65 The Launch of LA South REIA
66 Multifamily vs. Single Family
68 Retire Wealthy with an IRA
69 Turn-Key and Renter Ready
71 Land Trusts vs. LLCs
73 Crowdfunding Investing
75 Flip or Flop with Tarek
& Christina El Moussa
78 Williams & Williams Update
80 10 Rules for RE Success
81 Taking Title Properly
82 Larry Goins Discusses Deals
84 Let’s Analyze a Hotel
88 Learn Probate Investing
90 Legal Aide for Investors
93 News from Lady Landlords
94 Relationship-Building Tips
Realty411Guide.com
PAGE 12 • 2014
Pg. 75
reWEALTHmag.com

13. TexasMemphisInvest.com
Expansion
with
S
uccessful investors realize
how important diversification
is to risk management in their
portfolios. MemphisInvest.com,
the largest turnkey investment company
in Tennessee, is responding to the needs
of their nearly 900 clients by expanding
their operation to what they believe is
another top market: Dallas. Although
it’s over 400 miles away from their
Cordova-based company, the Clothier
family, principals of Memphis Invest,
are quite at home in the Texas market as
they had lived in Dallas for many years
as proprietors of a grocery business. So
comfortable in fact that they quickly
expanded into the market by purchasing hundreds of homes, which were
rehabbed and sold as turnkey investments to their loyal clients, many of
them already own multiple properties
in Memphis. All the properties were
sold without any direct advertising or
marketing. Now that a secondary office
has been set up to handle their growing
list of properties under management,
they are well on target to expand to
nearly 800 doors. Recently, we had the
pleasure of interviewing Chris Clothier,
co-owner of Memphis Invest to discuss
their explosive expansion into the Texas
market.
Question: Why did Memphis Invest
choose Dallas as their next rental
market?
Answer: There were a couple of reasons, but mostly our familiarity with the
market. We still have family and business ties in the Dallas/Ft. Worth area
and luckily the market was a fantastic
investing opportunity. We had been
looking for which market to expand
into and Dallas kept presenting the best
opportunity for our success and, more
importantly, for our clients’ success.
Realty411Guide.com
Q: I’m sure your team and clients had
wonderful reactions to the expansion, but
were there any concerns about adding a
second city?
A: The biggest concern was consistency. We had developed a very stable and
reliable model in Memphis with a fantastic
team and that is very difficult to duplicate.
We were very methodical about
who we hired and how we trained
them. Our culture of putting customer service first and being transparent in our communication, both
good and bad, was very important
to us. So our biggest concern was
how do we keep the high quality of
work, communication, service and
the reliable model while moving
into another city.
Q: When did Memphis Invest decide to expand to Dallas and how
long did it take from the initial
idea to actually selling properties
and overseeing rentals in that market?
A: We decided in the 4th quarter of 2011
that we were going to open an office in
Dallas. We were actually buying our first
properties there in February of 2012, but
we were not advertising the new city at
that time. We were having private conversations with individual investors about
the opportunities there and taking orders
for properties. At first, we outsourced the
property management, but learned very
quickly that no one was going to show the
same attention to detail and care like we
were, so we opened our property management division in October of 2012. We
held our first sneek peek event in the Fall
of 2012 and hosted 140 investors to the
city. Today we are managing just under
250 properties in the DFW metroplex and
on average completing between 17 and
20 deals a month over the last couple of
months. Our goal for 2014 is to complete
PAGE 13 • 2014
Interview by
Linda Pliagas
between 250 and 300 transactions in the
Dallas market.
Q: How did you put your team together
in a far away city and what tips do you
have for other companies and investors trying to manage a long-distance
portfolio or staff?
Chris Clothier
A: Without the ability to have a Clothier
or a high-level team member in the city
each day, I am not sure we would have
undertaken a remote location. Our reputation, our commitment to excellence
and our integrity are too important to us.
So without the easy commute to Dallas,
I am not sure we would have chosen
the city. We could leave early morning
and be in our offices by noon. There
are also daily flights back and forth for
the hour-long flight. So we chose a city
with three attributes for us:
a. We were very familiar with the
layout of the city.
b. We had great connections in the
city and were able to locate high quality personnel quickly.
c. It was close enough for a Clothier
or one of our top leaders to be in the
city almost daily.
>
reWEALTHmag.com

14. Without
these benefits,
I think it would
have been much
more difficult.
We kept great notes, had meetings on the
progress and issues with the second city
constantly and have essentially developed a roadmap for going into additional
cities.
Question: How many clients now own
in Dallas? How many homes are currently under your management?
A: We have just under 250 properties under management in Dallas and there are
right at 80 clients who own properties in
the metroplex.
and would be lucky to get 1-year leases
in Dallas. We scoffed at that belief and
brought the exact same property management and renovation style to Dallas from
Memphis. We believed that a home that
has been renovated to a higher standard
and a management company with great
communication and service could easily
command a 2-year lease. Today, we rent
80% of our properties in the DFW market
on 2-year leases.
Q: Are you still hosting property bus
tours in both cities? Where can we find
out more information about them?
A: We do not do bus tours of the cities
anymore. We have investors visiting our
offices weekly to see properties and the
operation. The events that we host now,
one in each city each year, are geared
toward showcasing our team and our operation as we all the attributes of the cities
neur in Memphis for 25 plus years. My
older brother Kent Clothier, Jr. more than
doubled the size of a private company in
Florida at the age of 28 growing sales for
that company to over $2 billion a year.
Kent may not be a part of the day-to-day
business operations for our companies, but
he is a great example of our family being
driven to excel. Our families’ success
is due to the fact that we have failed and
been able to grow and learn from those
failures. What you see today is a company where the culture is so important. We
have 44 employees and they all strive to
excel and be the best. That is very similar
to the culture we have developed in every
company we have built.
Q: Can you give us a sneak peak to what
the future holds for the Clothier team
and family?
A: We are already in a third city, Houston,
Question: Are you inclined to stay within certain areas of the city? How were
those areas chosen?
A: Just like in Mem“Just like in Memphis, we are trying to buy in areas that we are
phis, we are trying to
buy in areas that we are
very familiar with. We have an understanding of the dynamics
very familiar with. We
have an understanding
in the area and the economic factors that make it a good rentof the dynamics in the
area and the economic
al part of town. Our biggest concerns are always going to be
factors that make it
a good rental part of
access to jobs, access to transportation and schools.”
town. Our biggest
concerns are always
going to be access to jobs, access to
themselves. We try to include charities
TX, exploring and looking for office locatransportation and schools. So right
and big companies in the cities as well as
tion as well as properties. There is a lot of
now we are buying in spot areas of town
inviting political leaders to address the
good opportunity coming for our existing
and are only managing in maybe 10%
groups. Our events now are much less
and future clients and three cities will
of the entire metroplex. There is plenty
about selling properties and more about
certainly help us to fill all of the demand.
of room to grow and expand into other
helping investors get a good feel for the
It has been a process of development over
areas of the city, but right now we are
market and the company and then make a
the last 10 years and these next few years
concentrating on doing it right, not so
decision if the market and the partner are
certainly look to be very promising for our
much doing it quickly.
the right fit for them. Of course, there is
company and for our clients. With three
always time on our weekends for investors cities we believe we will be able to fill the
Q: How does the Dallas rental market
to get out and see properties and we endemand from smart real estate investors as
compare with Memphis, as far as ROI,
courage it, but we wanted to take the focus they look to develop portfolios of consisvacancies and taxes?
off of the “bus tour” or “buying tour”
tent and stable returns on solid assets.
A: The two markets are remarkably
mentality and put it back on the long-term
similar as far as returns are concerned,
relationship aspect of investing in buy and Q: Is there anything you would like to
but Dallas certainly presents more
hold real estate.
add about the Dallas market and your
challenges with insurance and tax rates.
involvement in that city?
They are a little more fluid than they
Q: Your company has accomplished so
A: We are really excited about the Dallas/
are in Memphis and are more prone to
much in such a small amount of time,
Ft. Worth market and even about the
change. So we keep a very close eye on
what do you attribute your success to?
possibilities in the near future for Housthose two costs, which are major factors
A: This is not new to my family. My
ton. This is going to be a fun year and
in an investors ROI. As far as vacanfather has been an entrepreneur for over
we are focused on positive growth and
cies are concerned, we were told early
30 years and he followed in the footsteps
building some great friendships with our
on that we would have high turnover
of my grandfather who was an entreprenew clients.
Realty411Guide.com
PAGE 14 • 2014
reWEALTHmag.com

18. Safety in
Numbers
Discover how Chris Gleason and
MMG Capital lower the risk on
what’s already one of the most
secure investments in the industry.
By Robb Magley | Photograph by Sam Green
Every day, all across the country,
real estate taxes go unpaid.
It’s no secret that real estate taxes
generally represent the majority of a
county’s revenue; and they need that
revenue to provide services like firefighters,
police officers, roads and bridges. In more
than half of the U.S., counties are required
by law to collect unpaid taxes through the
sale of tax liens to investors — counties sell
a certificate that grants the right to collect
those taxes, plus interest and penalties, to
investors for the amount of the outstanding
tax alone. This allows the county to balance
their budget and operate without a revenue
deficit — it’s great for the county, and
investors like the opportunity, too.
But while the sale of real estate tax liens
to investors is a process that dates back
to the early 1900s, it’s not the unexplored
territory it used to be, according to Chris
Gleason, managing director at MMG
Capital.
“The tax lien industry isn’t a secret
any more,” said Gleason. “Anyone can
register, walk into an auction, and bid.
There are thousands and thousands of tax
lien investors across the country, and that
makes the market competitive.”
It’s become so popular because it’s
Realty411Guide.com
an exceptionally low-risk investment in
general, according to Gleason, who noted
the overwhelming majority of tax liens
investments eventually get paid back to the
investor — plus interest and fees.
“That’s because no one’s interested
in losing their house over a tax lien that
represents 1-3% of the property’s value,”
said Gleason. “Over 95% of property
owners redeem their unpaid taxes within
their state’s statutory period. For the ones
that don’t, the certificate holder has the
opportunity to do what’s called ‘filing for
deed’ — the equivalent of foreclosing for
a tax lien.”
Filing for deed starts the process, and the
property owner is forced to “redeem” (e.g.,
pay up), or the property will go up for sale.
“At that point, if you’ve done your due
diligence and you have a piece of property
that has value, someone’s going to come
along at that foreclosure sale and pay for
the property,” said Gleason. “And that
essentially gets you redeemed, too. Over
99% of the time you get your money back,
plus interest and fees.”
And that’s the goal. Gleason points out
the biggest misunderstanding about the tax
lien industry is that people think everyone’s
in it to acquire real property. “No one
PAGE 18 • 2014
should be going into it because they want
to buy property for $500,” said Gleason.
“Realistically, you’re not going to acquire
property this way — unless you’re buying
tax liens on worthless property nobody
wants. Then you might end up with it —
and you’re going to be mad that you did.”
While the concept of investing in
tax liens is very attractive, and in many
ways very simple, the reality of doing it
in a competitive market is complicated
once you’re on the ground, according
to Gleason; between the ins-and-outs
of varying state laws, timing, and bid
structures, to say nothing of traveling to
auctions and servicing the liens once you
buy them, the real rate of return for a small
investor shrinks quickly. Gleason and
MMG Capital structure the purchase of tax
liens as a pooled fund opportunity — at
once spreading out an investor’s risk and
increasing yield.
“The rates that you can achieve by
yourself, with not a lot of money, are not
very high,” said Gleason. “First of all,
you’re competing with people like us; we
come into these auctions with millions of
dollars. Second, if there’s a larger parcel
out there, say an apartment building, that’s
Continued on pg. 86
reWEALTHmag.com

19. Safety. Security. Double-Digit Returns.
WeÊmakeÊrealÊestateÊ
taxÊlienÊinvestmentsÊ
simple and
attainable.
Find out why these ultra-safe
assets should be a part of your
portfolio. Call or visit us on the
web for free information.
(310)Ê295.1121ÊÊÊÊÊinfo@mmgcap.comÊÊÊÊÊwww.mmginvestors.com

21. SBD Housing Expands to Florida
F
or the past 10 years,
Marck de Lautour,
owner of SBD Housing Solutions has been focusing on the metro Kansas
City area for investment
properties. His Rolodex of
investors includes clients
in Australia, New Zealand,
Canada and California.
Now with the success of
hundreds of deals in the Mid West, SBD
Housing Solutions is now expanding operations to Florida, specifically Tampa.
Recently we interviewed de Lautour to
get an inside glimpse of how this savvy investor is able to scoop up quality deals with
built-in equity before anyone else does.
By Lori Peebles
of time so it certainly helped in getting the
property turned quickly and efficiently.
The SBD Housing Solutions Team
(SBD) started researching in the Tampa
Bay area back in Jan 2012 and didn’t get
our first buy until June 2013! Not fast, but
we had to learn the market and we went
through 3-4 different cities before settling
in on the Bradenton / Sarasota area.
Acquisition Phase
Research Phase
Question: How did you land your latest re- Q: What were the terms of the sale?
A:
hab deal? Cash, closing fast. Got them down from
A: It was an MLS opportunity, the owner list price of $295, down to $264K. Then
got it SOLD for $369,900 in under 70 days.
occupant needed to sell.
But it was undervalued even at that price.
Q: What are some tips you have to research Q: How did this deal compare to other
deals you’ve done?
a property or area?
A: You have to have someone local on the A: We typically buy on the courthouse steps
ground that is firmly entrenched in the mar- so having to wait 30 days to close on the
ket, able to jump on deals when they come purchase was a bit different! But we could
up. We were very patient. Our company get our contractors inside the home ahead
Realty411Guide.com
PAGE 21 • 2014
Rehab/Maintenance
Q: Was the property rehabbed or was it a
light cosmetic fixer?
A: It was a cosmetic fixer upper, but there
was an upstairs loft that converted easily with one wall built, into a 4th bedroom. Probably increasing the value by
$10K-$15K with that addition alone. The
rest was dolling up the bathrooms and
kitchen with granite and travertine, and the
whole house with some phenomenal dark
hardwoods floors!
Q: How does this rehab compare versus
the properties in the past?
A: Of all the homes we have completed
in Florida this was the easiest. Extensive
cosmetic makeover would describe it, approximately $25,000 of capital invested in
the remodel.
Management
Q: How long was the property held? What
tips do you have for managing an asset?
A: Just 68 days prior to contract acceptance, then 25 days to close. Work with
people you trust — simple as that. Have
fun — laugh and learn from mistakes, and
Continued on pg. 86
reWEALTHmag.com

22. But With A Few New Tricks
S
By Robb Magley
teve Bighaus has
been in the mortgage
industry long enough
to see a lot that looks familiar
about today’s market.
“I tell people, as far as qualifying,
we’re back to lending as it was 20
years ago,” said Bighaus, senior loan
officer for SecurityNational Mortgage
Company. “I mean obviously we have
a few tools we didn’t have back then —
credit reports are instantaneous, we’ve
got the automated underwriting system,
and so on. But as far as documentation
type, we’re back to that full-doc loan.”
After last July’s bump in interest
rates, things are settling back into a
more comfortable area that Bighaus says a lot of his
investors still find attractive. “I still see a lot of people
who want to get into investment properties obtaining
financing, because it’s a great time right now to do it,”
said Bighaus. “Terms are still great, you know — 30year money, getting high 4’s and low 5’s, that’s still
pretty cheap money when you’re looking at investment
properties.”
As more people enter the market, Bighaus said
he’s seeing investors follow the lenders’ lead as far as
trending toward more traditional investment models —
20-25% down payments, for example, and buy-and-hold
investments outnumbering fix-and-flip plans.
“I’ve only seen a handful of people in the last couple
of years who have bought their properties and turned
around and sold them right away,” said Bighaus.
“Everything I see with my clients right now is portfolio
building, because they’re all thinking about retirement.”
One of the results of that is the increased popularity
among investors of 15-year mortgages, especially
for loan amounts associated with smaller properties;
Bighaus said savvy borrowers are looking at the small
difference in payments and seeing big advantages to
Realty411Guide.com
Image: maxxyustas / 123RF.com
strategy
Mortgage Industry
Goes Back To Basics–
shorter terms.
“Where I really see it is in those loan amounts below
$50,000,” said Bighaus. “When you look at the difference
between 30-year and 15-year terms on a loan of that size,
for $50 or $100 difference in the payment every month,
you’ve got a better rate, you’ve got more money being
applied to principal every month, and you’ve cut your
term in half. They’re thinking long term; if they can get it
paid off in 15 years, then they’re that much farther ahead
of the game.”
And the game is growing; Bighaus’ company continues
to expand its footprint, operating today in a dozen states
with more being added by the end of this year and still
more planned for 2015. That can mean a lot of traveling,
but Bighaus sees it as part of what differentiates his
service from the competition. “Wherever investors
are buying property, that’s where we’re focusing our
business,” he said. “I like to visit the markets that I loan
in, because I like to actually see the inventory and meet
the people.”
Bighaus is seeing a lot of his customers come back with
PAGE 22 • 2014
Continued on pg. 85
reWEALTHmag.com

23. It’s about time we show you
A REAL HERO
Close your loan in as little as 30 days!
Steve Bighaus has over 24 years experience in the mortgage industry. He maintains a
focus on servicing the real-estate investor by offering aggressive financing options and
resources for buyers interested in purchasing or refinancing their investment property.
By concentrating on investment properties and the financing that comes with them,
Steve is recognized nationally as an industry expert. The knowledge that he has enables
him to find financing for people even when they have had difficulty elsewhere.
Contact Steve Bighaus
Senior Loan Officer
206.930.1801
Attention Investors:
Pre-Qualify Today!
steve.bighaus@snmc.com
NMLS#: 112825
This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation,
sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting
guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and
market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in
payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Security
National Mortgage Co. is an Equal Opportunity Lender.
NMLS# 3116

24. due diligence
Kathy Fettke gives
insight on a recent
fraud investigation
- They wanted to offer the best deal in town.
Testimonials on their website raved about what a great
deal it was. “No worrying about property management!
No vacancies! No repairs!” Who wouldn’t want that? In
reality, that type of situation can exist, but usually only in a
triple net lease situation where the tenant agrees to pay all
expenses and repairs. It cannot work in a situation where the
seller takes on such enormous responsibility for thousands
of clients
.
Here’s what our
member thinks
happened next:
Half-way In:
How to Vet Out Turn-Key
Property Providers
(and Avoid Getting Scammed)
R
eal estate, like any investment, can attract lots of
scammers. How do you really know who you’re
dealing with? You see ads everywhere for “turnkey” rental properties, but what does this really
mean, and how do you know who to trust? The owners of the
Bay Area Equity Group, a turn-key property provider located
in Campbell, California, were recently arrested on suspicion
of fraud. I saw these guys at a real estate expo I attended
last year and they seemed like nice enough people. What
happened?
Real Wealth Network has over 14,000 members now, so
it’s pretty easy for us to get information. It turns out that one
of our members purchased property through the Bay Area
Equity Group. I asked him about it and here’s what he told
me he thinks happened:
In the Beginning...
- They started
to get behind on
making owner
distributions.
- They realized they couldn’t meet the guarantees.
- They didn’t want to let their investors down.
How Ponzi Schemes Begin...
Often times operators need to rely on new money to feed the
old promises. In this case, our member suspects this is what
happened:
- Allegedly the owners started to buy distressed property,
perform a minimal rehab, and then resell far above market
prices.
- Proceeds from the sales allegedly went to pay for the former guarantees.
- It still wasn’t enough.
- They started out with good intentions.
- They made guarantees of 15% returns on rental properties
in Detroit, MI.
- Desperation kicked in. Allegedly they started to sell the
same property twice to different people, but only record one
sale.
Continued on pg. 83
- They offered to cover repair costs in many cases.
Realty411Guide.com
- Operating costs
ended up being
higher than expected.
PAGE 24 • 2014
reWEALTHmag.com

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Realty411Guide.com
WWW.NORADAREALESTATE.COM
PAGE 25 • 2014
reWEALTHmag.com

26. Join us on
www.ListedBy.com Today!
LISTEDBy
The FUTURE of
The Real Estate
Industry
Real Buyers • Real Sellers • Real Estate
FREE EXPOSURE FOR YOURSELF AND YOUR LISTINGS
• Global Online Real Estate Marketplace
• Live Bidding Auctions
• Listing Style Property Offerings
• Fully Functional Social Network Designed to Get
Exposure for Real Estate Professionals
• FREE to post listings
• FREE to bid on assets
• FREE to become a listed service provider and market
yourself to potential clients!
• We make our money off of advertising so our users
pay nothing ever!
BEST of ALL
IT’S 100%
FREE!

27. Learn about
ListedBy.com
Stephan Piscano
The real estate market continues its aggressive ascend back from the ashes of 2008 and is showing no signs or desire to slow down any time soon.
With interest rates at all time lows, the landscape for investors seems just
right even for the less aggressive types. ListedBy founder and chief executive officer, and real estate investment veteran Stephan Piscano has been
one of the most successful – and daring – investors to take advantage of
the recent market drop. While he spends time building online auction site
ListedBy.com, his investor acumen continues to spot opportunities along
the way. If you heard or read Stephan’s predictions for the real estate
market a year ago, and you followed his advice, you would know he was
spot on. Today we’re happy to join Stephan to get insight into some of his
investing strategies and plans for the future, and how real estate investors
and real estate professionals can benefit from using ListedBy.com.
Q: Stephan, you created the website ListedBy.com to meet
the needs that you personally had experienced and observed in the online sector as a real estate investor. Can you
give us a brief rundown of what ListedBy.com is and how it
helps investors meet their needs?
A: Thanks Roger, I am excited and thankful to discuss this
here on Realty411. As many who follow ListedBy know, I
created the site after liquidating several real estate assets online
through sites such as eBay and others. At the time it became
clear to me after searching literally for years that there was
no website out there that allowed me to have the marketplace
functionality I needed to properly market my listings, and do it
in a setting that promoted trust and openness.
With that in mind we went live with ListedBy.com to harness
the marketplace functionality of a site such as eBay, but tailor
it to real estate, and we added the key piece of the social network which we modeled after LinkedIn to give the buyers the
ability to not only research the property that they were buying,
but also research the person they are buying it from. This creates more direct communication between the parties and since
we never play middleman as our competition does, we create a
setting where transactions are much more likely to take place.
This functionality allows an investor to not only research real
estate online, but actually make a BUYING ACTION through
the site and be in DIRECT contact with a person that can actually accept that action all online and all at no cost.
Q. That seems comprehensive. So it sounds like the key
aspect of the site is transparency?
A: Yes you could say that. It is really all about cutting out the
Realty411Guide.com
middle man and allowing the buyer to be in direct contact
with either the property owner, or the actual list agent. Many
websites try to either limit the communication between the
parties so they don’t get cut out, or they route traffic to their
own buyers’ agents so the buyer ends up dealing with an
agent that knows nothing about them, and nothing about the
property itself. That can be beneficial to first time buyers
who need their hand held a bit more, but to an investor it simply slows everything down and wastes time. ListedBy.com
dramatically speeds up the process for the buyer and creates
targeted exceptional exposure for the owner/agent.
Q: Well that sounds great but I’m assuming that Brokers
and Agents are not too happy about being cut out of the
loop.
A: Oh No I’m happy you asked about that because that is
actually one of the biggest misconceptions that people have
about the site when they hear about the model. While it is
true that of course an owner could use our site directly with
a buyer, the reality of it is that the majority of transactions
happening on our site take place with agents, and we have
actually found that, believe it or not, the agent benefits from
our site more than anyone else.
By removing the middle man and routing the DIRECT buyer
traffic straight to the list agent, it gives the listing agent the
opportunity to double-end the transaction and effectively put
twice as much revenue in their pocket. In addition to that
we have actually heard from several agents that by building
out their social network profile on the site with photos, bio,
and client recommendations, they have actually gotten new
PAGE 27 • 2014
>
reWEALTHmag.com

28. Q: So in essence, in addition to buying and selling, an agent can use the
social networking part
of the site to grow their
brand?
A: Yes, we built out the
functionality with everything that a real estate
professional needs to
connect with investors and
partners from around the
world, and it is ALWAYS
FREE. Agents can see
stats on who came to their
profile page and who
viewed their listings. It is
some unreal technology
that can put REAL CASH
in their pocket.
A: Yes actually we added MLS syndication in October 2012 so currently you
can search about 600,000 MLS listings
in a separate section of the site. We also
recently partnered with Foreclosure.com
to feed nearly two million foreclosure
listings to the site. This combination gives
our users the opportunity to search auction
listings, MLS listings, and foreclosure
listings all in one spot. If that was not
enough, we also have a service providers
directory where users can search property
managers, contractors, escrow compa-
“By removing the middle man and
routing the DIRECT buyer traffic straight
to the list agent, it gives the listing agent
the opportunity to double-end the transaction and effectively put twice as much
revenue in their pocket.”
Q: So what type of
advertising opportunities are available on
ListedBy.com ?
Q: Do users on ListedBy
have other listing options
or just auction?
A: Good question. The site
is set up to allow users to
list as a live bidding reserve, or no reserve auctions. However,
most of our listings are actually what
we call an “Own-It-Now” Best Offer
Listing. This is where the listing is
set at a fixed “Own-It-Now” price, but
users can actually submit offers through
the site which can be countered, accepted or rejected all through the site. It is
actually that rapidly paced direct offer
submission functionality that really
seems to excite our users the most.
Q: So are there any other features besides the marketplace and the social
network?
Realty411Guide.com
recently we have been debating if we
should start charging a small fee because
people simply don’t believe that it REALLY IS FREE. But right now there is
no fee to list, no fee to buy, no commission, no percentage, no membership
fee — NOTHING. ListedBy really is
free. Our main revenue model currently
is from corporate advertisers. We have
been fortunate to have three separate
fortune 500 companies enter long-term
advertising partnerships with us since
we went live. When we designed the
site model I looked at all
the most successful sites
such as Facebook, Google
and others and we realized
that these sites really don’t
charge their userbase anything. We want to give our
users something that they
want and need, and give
them a reason to come to
the site everyday which
creates targeted traffic that
is extremely valuable for
our advertisers putting
their brand in front of consumers that they KNOW
need the service, at the
moment that they need it
the most.
nies and more all on the site. I would get
sleepy thinking about it if it wasn’t so darn
exciting! Basically we are like five websites in one. And we are designed to give
the investor, the agent, and the real estate
service provider, everything that they need
all in one spot!
Q: So I’m hearing a lot of use of the
word “FREE”. How can that be?
A: Many users may be wondering what
is the catch and how ListedBy generates
its revenue. Yes, we get that a lot. In fact,
PAGE 28 • 2014
A: We have several ways
that we can drive traffic to
our advertising partners.
From our massive reach on
social media with our LinkedIn groups,
to our more than 200,000 opt-in users.
We find that all of our top advertisers
extend their campaigns and dramatically
lower their cost per lead working with
us. I always say that when we went live
with the site and tried to figure out how
to drive traffic ourselves, I made all the
mistakes already with my own money so
you don’t have to. We know as a group
that we have developed what we believe
to be the most effective and powerful
marketing platform in the real estate sector, and we are thankful that excelling in
reWEALTHmag.com
Image: Gina Sanders / 123RF.com
business and new clients from being
on the site! A lot of times a user might
come to the site looking to buy, but
they don’t see a property that particular
day they like, but if perhaps they see an
agent profile that catches their eye and
excitement now that agent has a new
and hot lead directly to their site! Given
that we designed the social network to
drive traffic back to the agent’s own
site, it becomes an exceptional benefit
in itself.

29. this way allows us to help drive profits
for our advertisers, and more importantly keep the website free to our loyal and
active users.
Q: You actually were on the cover
of Realty411’s alternate cover, Real
Estate Wealth, when the site went live
back in 2012. How has the site grown
since then and what are you looking
forward to in the coming year?
A: Yes, it actually is a bit sentimental to
me being in this issue because the very
first piece of media/advertising we did
when we went live was with Linda’s alternate cover, Real Estate Wealth. Since
then while we have had some ups and
downs I am so thankful to say we have
grown at one of the fastest paces in the
real estate sector, had literally thousands
of transactions take place as a result of
the site, and I am really thankful to have
gotten to meet some of my heros and
icons in real estate and tech.
Also I am really
thankful to great
members that have joined
the team in the last year and
provided such amazing talent
and have been such a huge part
of our success. In the coming year I am
excited about where we are going because
I feel like the first year we built our brand,
built our base, and learned what we are
and how to execute. I feel that we are now
ready to put it all in place. In 2014 we
are going live with the 2.0 main version
of the site, which is going to have some
simply UNREAL features that the world
has never seen before. This will help us
as we also transition more to focusing on
having a major presence in the auction and
the real estate sector and focusing on high
level transactions and allowing users to
truly buy real estate in a better and more
effective set up.
Q: Any other thoughts you’d like to
share with a fellow property investor?
A: I think that this is an exciting time
to be a real estate investor, and perhaps
even more so to be an agent. The lack
of inventory, combined with low interest
rates and the basic sense that this is an
exceptional hot market has created a
consistent rise in the market as we had
projected. I think the market should
continue to rise the next 2-3 years, however I do believe that at some point when
interest rates start to go up that we could
see another small crash in the market.
To me it is simply a race between rapid
inflation and the interest rates, to see
which of the two catalysts stands to impact the market the hardest. You could
see the prices continue to rise not because homes are worth more but because
the dollar is worth less. That would mean
the more leverage that you buy with, the
better you can capitalize by paying off
your loan balance with cheap dollars in
the long term. Either way, whatever you
do you better do it on ListedBy.com, and
we hope to see you there soon.

30. Give Him Some Credit
One Man’s Quest for Perfection.
by Hannah Ash
L
now the perfect credit score (not 850),
and that’s what he wants; he wants
to get you thinking differently about
credit. The ambitious CEO of Grayson
Financial Services and The 990 Club
believes that a credit score of 990 is a
goal well worth setting (and achieving). Dr. Grayson is a man on a mission
and his mission is to empower Americans to acquire financial literacy and
excellent credit.
In this economy, his message of
hope is both a rarity and a beacon of
light. “Do you know what FICO stands
for?” Dr. Grayson asks. That most people can’t answer this question, he says,
is indicative of a problem. Dr. Grayson
believes that as a country, we need to
acquire a richer understanding of how
the current credit scoring system works
and what we can do to improve or
perfect our scores. He is eager to point
out that in the year 2000, a new credit
regime quietly took over and rewrote
the age-old model….too quietly, he implies. In previous years, he begins, “As
long as you paid your bills on time, you
could expect to have good credit...but
in 2000, that changed.”
ong after everyone else has taken off for the weekend, Dr. Michael C.
Grayson enthusiastically discusses the ins and outs of credit from his
empty New York office. Dr. Grayson’s finance and credit service, The
990 Club, was inspired by a rather lofty goal; to help his clients achieve
the perfect 990 credit score. 990? He knows it may surprise you to learn that 990 is
A
mericans, and their credit
scores, now fall under
the FICO-based system;
FICO, or the Fair Isaac
Corporation, scores are calculated
based upon the length of credit history,
amount of money owed, types of credit
and newly opened credit while the
payment history is a mere 35% of the
score. What this means, Dr. Grayson
concludes, is that a millionaire many
times over who always pays her bills
Realty411Guide.com
PAGE 30 • 2014
reWEALTHmag.com

31. Image: Alma Gami / 123RF.com; Dr. Grayson photographed by Mike Morgan
on time may end up with a less than desirable
score. He has seen how credit scores can make
or break a real estate deal. He recounts a cautionary tale of how he once worked with a real
estate developer and millionaire whose funding for a project got held up due to her score.
The developer, who always paid her bills on
time, had assumed her credit was excellent.
Her FICO score, which landed somewhere in
the 500’s, was a rude awakening.
If a multi-millionaire isn’t credit-worthy, then who is? According to Dr. Grayson,
everyone can be. The 990 Club and GFS
were founded as a response to the financing
problems Dr. Grayson, while working as a
financial advisor, saw investors encounter as a
result of lackluster credit.
The teams at GFS and The 990 Club
function like something of a credit and financing think tank;
through offering intellectual capital to those seeking capital
and credit, Dr. Grayson’s company provides an innovative,
and popular, service in a downturned economy.
Grayson offers unique FICO-compliant strategies that
elevate investors, home buyers, corporations, small businesses
and nonprofits to the
credit level at which they
want to be.
Dr. Grayson has
cracked FICO’s algorithms and, he says, he
has a formula that gets
his clients results. Does
his formula work? For
Dr. Grayson, the proof
is in the pudding. One
of his clients was able to
achieve the highest credit score in the world, a
perfect 990. He is eager
to spread the message
that long-term financial
growth and excellent credit go hand in hand. Simply stated;
Dr. Grayson wants to change the world, one credit score at a
time.
Though many companies offer credit repair services, Dr.
Grayson isn’t flustered by the competition. The one-size-fitsall approach that most credit repair companies use doesn’t
really repair anything: “The problem with the other leading
companies,” he says, “is that they only address the negative
items on a consumer’s payment history”. As payment history
accounts for a just portion of the total score, the switch to the
more comprehensive FICO system in 2000 actually made payment-history focused credit repair somewhat obsolete and the
result, Grayson says, is that his competitors’ take far longer to
do far less.
C
redit repair companies
today must address
all aspects of credit
scores, Dr. Grayson puts forth,
and GFS does just that. Most
credit repair companies are
equipped with dispute form
letters; GFS is armed with
the “Grayson Formula” (the
result of Dr. Grayson’s reverse
engineering of FICO algorithms). Rapid Restructuring
is Grayson’s secret ingredient;
the Formula, he says with confidence, can give anyone good
credit in approximately 30-45 days using his strategic credit
restoration and development approach. Anyone? “Anyone,”
Grayson reiterates; further, his formula can take good credit
scores and make them great. Great credit scores can become
perfect (or close to) and Grayson is proud of his success, “The
990 Club has more members whose credit scores are in the
900’s range than any other service club.”
Dr. Grayson is a Man on a Mission..
Realty411Guide.com
PAGE 31 • 2014
>
reWEALTHmag.com

32. Dr. Grayson wants to bring his message of financial literacy
and good credit beyond his work with investors and individuals. He
believes good credit is the key to obtaining loans, closing contracts,
obtaining grants and even getting a job these days; GFS is committed to community outreach and empowering the disenfranchised. Dr.
Grayson regularly works with government organizations, politicians, churches and nonprofits to discuss opportunities for financing,
credit and financial growth; in 2012, Grayson presented before New
York Governor Cuomo’s forum on small business.
Currently, he is undergoing a series of meetings with New York
City’s high school principals to develop a pilot program: The 700
Club. Grayson’s goal for the project is to give every graduating
senior the gift of good credit (a 700 score) and the skills to maintain
it; a large task, no doubt, but one in which Dr. Grayson believes
fully. For individuals looking to improve their credit scores, Dr.
Grayson advises they learn what FICO stands for and what, exactly,
is scored. Though a perfect credit score may seem impossible for
most of us to achieve in the current economic climate, he disagrees.
Where we see 500’s and 600’s, this determined CEO sees 800’s and
900’s. Is he a magician? No; Dr. Michael Grayson is a scientist who
believes in the transformational power of great credit.
For more information about Dr. Grayson, visit www.mydebtfilter.com
Dr. Grayson photographed by Mike Morgan
BoeschLawGroup.com
Personal Injury
Business & Commercial
Entertainment
Estate & Trusts
Building Business
Real Estate
THE RESPECT AND REPUTATION OF A CLOSER.
Realty411Guide.com
PAGE 32 • 2014
reWEALTHmag.com

33. Learn the Money-Making
Art of Flipping Houses...
DS ON!
HAN
In 3 Intensive Days Attendees will Discover:
aHow to find great investment properties
aHow to manage contractors
aHow to estimate repair and building upgrades
aHow to never overpay for repairs
aWhich upgrades will provide the best return
aHow to determine if a property will qualify for FHA financing
aHow to inspect properties with confidence
aHow to develop a real estate investment team
aHow to analyze a rehab project to
prevent over-spending
aHow to avoid pitfalls & more...
www.FlippingHousesBusTour.com

34. The New Main $treet Millionaires
In this book, Mike Conlon will show you an unconventional path
to prosperity in this very difficult economy by providing quality,
ethical, and affordable services to America’s largest and fastest
growing consumer group. In order to prosper on this path, you
don’t need a college degree, only the willingness to work hard
and learn.
UNCONVENTIONAL WEALTH:
UNCONVENTIONAL WEALTH:
bad shape (a goal in any purchase is to
save as many homes as possible).
The first move we made was to “zonedown” the properties to create immediate
higher occupancy. We zoned the larger
park down to 132 spaces by creating one
lot from two spaces. We did the same
with the smaller park going form 84
spaces to 60. Existing residents loved the
larger lots, but our goal was to get it prepared for financing, which means we need
a minimum of 65% physical occupancy
(actual homes on lots) at both parks. The
“zoning-down” process took us approximately 4 months to accomplish with a
total cost less than $20,000. Less density
is almost always well received by local
municipalities.
Many investors ask me why I would
“zone-down” a park instead of simply
filling it up with a repo home. Although
we added 5 repo homes to each park, this
process is time consuming and expensive.
A typical repo home will cost you $15,000
— $20,000 to purchase, move, set-up, and
rehab. “Zoning-down” parks is a much
cheaper way to get occupancy up immediately.
Once we zoned the park down, we executed our “rehab playbook” to perfection
with the following steps:
Mike’s basic investing premise has brought
him success over the last decade and he
foresees even more opportunities over the
next 10 years. Unconventional Wealth gives
readers insight into the skillz they need to
become Main $treet Millionaires.
Realty411Guide.com
MIKE CONLON
M
He has bought, rehabbed, and sold over $50
million worth of commercial multi-family
(affordable apartment complexes and
mobile home parks) involving 15 projects
over the last ten years. He was a leader in
the financial planning business in the 1990’s
and early 2000’s as he grew a financial
planning broker-dealer from $1.2 million in
gross revenues to $40 million in six years and
then sold it to a large national insurance
company; he also managed over $100
million of client money in his own financial
planning practice before becoming
completely disillusioned with Wall Street
money machine. He is a 1990 graduate of
the University of Minnesota Law School.
The New Main
$treet Millionaires
2012. Both parks
were REO (bank
owned) parks that
we bought via a
broker. This was
y company,
an off-market deal
Affordable
that was not listed
The New Main
Communities
on any public
$treet Millionaires
Group, LLC (ACG),
websites. In my
based in Cary, NC,
business, knowing
specializes in purchasing
the brokers and
MIKE CONLON
distressed mobile home
establishing a track
communities at distressed
record with them
sales prices, rehabbing
is very important.
the properties over 9-15 months and
We like the greater Cincinnati – Dayton
then either obtaining a refinance from
market because of its large population
a financial institution or flipping the
(over 3 million combined) and strong
property for significant gain. We have
base of employment. The multi-family
done 16 full cycle deals (buy, sell, rebusiness, whether apartments or mobile
hab) for sales proceeds exceeding $65
home parks, is all about having strong
million over the last 9 years. We also
employment near the property. Lot rents
currently own over 3,000 mobile home
are solid in this market as well , ranging
spaces amongst 12 parks throughout
from $325 - $375.
the Southeast and Midwestern U.S. for
We purchased the two parks for
cash flow purposes.
$1,150,00 all cash. One park had 306
We have just recently finished a
spaces with 55 resident-occupied homes
12-month rehab project amongst two
and 120 empty homes. The other park
parks in the northern Cincinnati market had 84 spaces with 34 resident-occupied
that we run as one combined park,
homes and 3 empty homes. Both parks
(they are 10 minutes apart). We use
had been in steady decline for 5 years. In
one manager to cover both parks. We
fact, we had to tear down 101 homes at the
purchased the deal on October 26th of
large property because they were in such
Mike has the unique ability to provide
Americans with a realistic, no B.S. view of the
financial world today – one that comes from
his years of street-wise investment success
in three different businesses – financial
planning, mid-sized apartment complexes,
and mobile home communities that have
made him a true Main $treet Millionaire.
PAGE 34 • 2014
1. Repaved the roads – cost $79,000
2. Trimmed many trees – cost $21,000
3. Rehabbed 22 existing homes and sold
them to residents – net cost $88,500
4. Added 5 repo homes at each park –
cost $180,500
The additional cost in this project was
the tear-down of 101 homes, which cost
$111,625. A little bonus at the larger park
is that 8 owners of nice RVs are leasing
lots form us in the back of the park.
Total rehab costs for this deal were
right under $500,000. I was fortunate to
use a bank line of credit for half of the
rehab. Our total cost into the two parks is
>
reWEALTHmag.com
Photo: Jacqueline Moore | Dreamstime.com
miche
Invest in Mobile Homes
Investor & author mike conlon teaches how to

35. Why Should You Invest In A
Mobile Home Community?
3 The demand for affordable housing is
skyrocketing
3 Very little, if any, affordable housing has been
built in the U.S. since the mid-1990’s
3 Much higher cash flows than apartment complexes as they are less maintenance intensive,
have much less resident turnover, and much
lower ongoing capital expenses
3 Higher barriers to entry as the costs to build
a new park are high and available land near
larger metro areas is scarce and expensive
3 Much easier to manage when the majority of
residents are just “leasing the dirt”
Why affordable communities group?
Learn how I made over
$500,000 in profit in
two years by buying
one distressed
community
Mike Conlon, President/CEO
MIke Conlon, aka Main Street Millionaire, has the unique ability to provide a realistic, no b.s. view of the investment world
today as he is highly educated but also has 15 years+ of streetwise investment success that has made him a multi-millionaire.
Mike tailors his business strategy around providing outstanding
customer service and quality, affordable products to the fastest
growing consumer segment in the U.S., to the working poor.
AFFORDABLE
COMMUNITIES
GROUP
3 10+ years experience in buying, rehabbing and
selling over 3,000 units
3 Have completed 15 full cycle deals (buy, rehab,
sell) resulting in over $50 million proceeds
3 Experts in the property management business
as we self-manage all our properties - very
“hands-on”
3 Keep a tight geographic focus - diversified, but
not too spread out
3 We put our own capital into every deal
Log on to any websites
below to get more information
on investing in Mobile Home
Communities and to
score a free copy of
Mike’s new book:
Unconventional Wealth
Creating the New
Mainstreet Millionaires
mainstreetmillionaire.com
affordablecommunitiesgroup.com
carolinaturnkeyproperties.com
This advertisement is an offer for an educational product is in no way
an offer to solicit or sell any investment or security. All investments
contain risk, including potential loss of principal. Please consult your
financial advisors before making any financial decisions.

36. G
IN
AT S!
BR AR
LE YE
CE 10
The Best Education in the Real Estate Industry!
in Person or Online
Monthly educational club meetings with networking
Workshops taught by seasoned experts
$1,650,000. We now have 126 residents combined from both
parks (up from 89 a year ago when we took over). We will
add 6-10 more repo’s in the Spring to get to 70% occupancy. We just had the parks appraised and the valuation was
$3,225,500. We will get all of our original capital and rehab
funds back upon a refinance this Spring. More important,
the parks have been positive cash flow from day one (I
can’t stress the fact enough that you never buy a negative
cash flow property) and the monthly net cash flow (after all
expenses and mortgage payments) now exceeds $15,000
a month. You can see a positive article about our project
written by the local newspaper on our website, just go to:
www.acgmhc.com
Affordable mentoring and training classes
Hands on investment opportunities
Exclusive insider’s member resources
VIP membership with 24/7 access to
MLS and Deal Analyzer
Success and self improvement
training sessions
Online real estate hangouts and
video libraries
Mike Conlon is the founder and majority owner of Affordable
Communities Group, LLC based in Cary, NC. He is also
the author of Unconventional Wealth: The New Mainstreet
Millionaires, which is available through Amazon.
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Realty411Guide.com
PAGE 36 • 2014
reWEALTHmag.com

37. Blackstone Unleashes
Financing Options
R
eal estate investors
looking for funding in
2014 could find this new
lending source and its President
one of their best allies…
On November 15th, 2013 investment
giant Blackstone made a major announcement that changes the game for rental
property investors, and is likely to create
ripples which have the potential to provide a huge boost to the U.S. economy at
every level.
Former joint head of single family
rental finance at Deutsche Bank AG, John
Beacham, recently joined Blackstone
Tactical Opportunities’ new B2R Finance
lending arm as President. “B2R” has now
unleashed several stunning new mortgage
finance programs specifically designed to
aid small to mid-sized buy and hold real
estate investors with loans of $500k to
$50M.
The Major Pivot Real Estate
Entrepreneurs Have Been Begging For
In recent years some rental property
investors have felt significant pressure
from mega funds like Blackstone, which
according to Bloomberg, has spent over
$7B in acquiring tens of thousands of
U.S. residential rental homes. At the same
time, access to credit for those desiring
to capitalize on appetizing investment
opportunities in the market has been
incredibly restrictive, even for well-qualified borrowers.
The B2R Finance pivot completely
changes these dynamics. The new buy
to rent financing source puts all of the
best of Blackstone behind the smaller
real estate entrepreneur to fuel their goals
for the new year, and long term passive
income generation and wealth building.
With access to considerable deal flow,
the capital to execute on it and a lending
partner that really understands their needs
the next 12 months promise to be an
exciting time for expanding portfolios.
In an interview with B2R President,
John Beacham, Realty411 got the inside
scoop on the firm’s new loan programs…
Making Buy to Rent Finance a Breeze
So what’s so notable about this new collection of loan products, and lender, and
how easy is it to get funded?
Realty411Guide.com
By Tim Houghten
al nightmare scenarios in which they have
In our exclusive
run out of funds have proven them to not
January 2014 interview
always be the most attractive option for
John was quick to point
buy and hold investors.
out that while B2R
Blackstone’s B2R flips this all on its
Finance is a completely
head, and specifically provides critically
separate entity to Invineeded liquidity for those with 5 or more
tation Homes, it puts
rental homes, who are seeking loans from
all of that experience,
John Beacham
$500k and up.
billions in liquidity, and
This enables investors to re-capitalize,
understanding of the challenges investors
achieve leverage for expanding portfolios
face in this arena into backing the smaller
and is providing a massive cash injection
rental property landlord.
with wide reaching benefits which should
In fact, B2R is one of the only players
make life a little better for everyone.
in this segment of the market. Specifically
3 Steps to Success…
it is unique in offering tailor made loan
When asked about the advantages of
products for financing single family rental
working with B2R Finance, John Beaproperty portfolios with loan amounts
cham explained, the B2R management
between $500,000 to $50,000,000.
team has funded significantly
Mr. Beacham
more rental homes loans than
points out that
Loan Program
other institutions, pointing out
not only are
Highlights:
the benefits of the expertise and
approximately
• Easy 3 Step Loan Process
focus as “This is all we do.”
98% of the na• 30 Year Amortization
Of course what everyone
tion’s estimated
• 5 & 10 Year Terms
wants to know is how easy it is
14 million sin• Non-Recourse Options
to get one of these loans…
gle family rental • Min. DSCR 1.25
John told Realty411 that
homes actually
• Low Cost
owned by small- • Loans from $500K to $50MB decision making on these loans
is primarily based upon the asset
er investors (not
and cash flow, the company offers non-relarge institutional players), but “75% of
course options; providing fast funding and
those properties have been purchased with
no debt.” John goes on to highlight: “that’s a straightforward process.
Beacham was clearly very bullish on
over 10 million properties in the U.S. with
the outlook for rising asset values, which
no financing on them, much of which has
been picked up by entrepreneurs buying for investors should take as a great sign, and
indicator of an aggressive lending partner
their own personal portfolios”.
which really wants to make loans, and
B2R’s President comments that this
pool which represents around 1 in 10 of all a lot of them. According to the head of
the unit the borrowing process is really a
homes in America doesn’t remain unlevsimple 3 step process:
eraged due to a choice, but rather a gap in
1. Call toll free on 800-227-8107 or apply
the market which has left investors sorely
online at http://www.b2rfinance.com/
underserved.
apply-now
Besides the strict credit requirements
2. Return the signed term sheet and
banks have set, investors in this segment
‘expense deposit’ for due diligence
of the market have been buffeted by
3. Close your loan
quirks in underwriting requiring extensive
paperwork and limits put on the number of Investors who are serious about improving
properties able to be financed. Hard money and growing their portfolios for 2014 need
to learn more about B2R Finance and the
lenders have tried to move back in, but
high fees, double-digit rates, and occasion- opportunities they offer.
PAGE 37 • 2014
reWEALTHmag.com

38. The Sensei Speaks
On What, Where &
How To Invest In 2014

39. S
ensei Gilliland, of the extremely successful 12
ROUNDS real estate investors club and Black Belt
Investors, just gave us the scoop on Remote RehabsSM, and where to find big spreads like it was
2010 again…
The U.S. housing market may be even hotter than the club
house fireplace at this time of year, but many new and veteran
real estate investors alike are finding themselves battling heavy
competition, rapidly rising prices and the logistical challenges
of out of area investing.
Sensei Gilliland’s simple “Find it. Fix it. Profit” mantra
hasn’t just helped him come through some of the toughest years
the U.S. housing market has ever experienced unscathed. It
has evolved into the formidable weapon many rapidly growing
investors, portfolios and investment businesses are crediting
with using to get the edge – Black Belt Investors.
In the past four years Black Belt Investors has been responsible for an incredible number of transactions. A big part of this
certainly has to do with the focus on investing in the individual
success of other investors. Rather than simply trying to pitch
investors or consumers on a product, or overpriced inventory
which needs to be shed, Black Belt Investors offers a full suite
of assistance from education to investment opportunities to
coaching and hard money lending in order to help all investors
grow from the ground up to achieving their personal goals.
Sensei explains this unique approach has helped many with
their own breakthroughs, and just making what they were
already doing better. This variety of strategies has helped others
to reduce risk and hone in on what they really want more of.
To date Sensei Gilliland’s students have used these strategies
to generate cash via flipping houses, lease options and owner
financing.
Still, when asked which was his favorite real estate investment strategy for 2014, Sensei says he is still bullish on
Remote RehabsSM.
Remote RehabsSM enable global investors to benefit from accessing discounted properties, adding value and either flipping
them for sizable, fast profits or holding them for ongoing cash
flow and passive wealth building.
Satisfying the demand for strong returns and below average acquisition costs, with the perk of having multiple exit
strategies to choose from, Remote RehabsSM enable investors
to engage in the most profitable markets, at the right times and
leverage expert teams to maximize their returns.
Obviously the biggest question most have today is where to
engage in remote rehabbing?
Black Belt Investors continues to see primary markets such
as Las Vegas, Phoenix, and Southern California as the territory of wealth builders with an extremely long outlook, or who
are okay with modest yields in exchange for enhanced safety. These markets continue to attract plenty of domestic and
foreign interest, yet to a certain extent have suffered due to this
popularity. Rental property investments in these areas can be
great for long term hold and wealth preservation, but lack the
advantage of rapid price appreciation today.
Secondary is the new primary according to real estate experts
and analysts across all industry sectors. Sensei Gilliland points
Realty411Guide.com
to secondary markets such as Kansas City, MO and Indianapolis, IN as offering a superior solution for those seeking a blend
of appreciation and cash flow.
However, for those looking for rapid wealth building Sensei’s
top pick for Q1 2014 is Cleveland, OH.
As he puts it “Cleveland, OH is now like Southern California
in 2010,” It’s ripe with pent up equity, offering tremendous benefit to cash flow and value seeking investors.” Put simply Sensei
sums up the current opportunities as being able to “pick up a
beautiful home, in a good suburban neighborhood, with a strong
cap rate,” but warns “the window of opportunity is short.”
Right now Sensei paints a good example of this opportunity
as being able to scoop up one of these homes which previous
sold for around $100K, for just $45K. He also points out some
of the benefits of this market right now include:
1. Getting ahead of hedge funds (and profiting from the rise
they will provide later).
2. Affordable homes.
3. Cleveland is pumping millions into revitalization.
4. A city committed to avoiding developing a reputation
like Detroit, and determined to maintain and lift local property
values.
5. A county invested in the success and protection of real
estate investors through ‘point of sale’ check, home inspection
reports, monitoring contractors and ensuring investors are not
overcharged on rehabs.
This is backed up even further in recent news headlines:
• Q3 2013 figures from Ohio banks show $2B in REOs and
$35B in non-performing residential loans on their books.
• On Oct. 17th, 2013 it was revealed Starwood Hotels & Resorts
Le Meridien brand was joining the Cleveland rebirth with a new
luxury hotel.
• Nov. 4th, 2013, Crain’s declared “Cleveland is in the vanguard
of urban revitalization strategies.”
• Forbes says more than $3.5B is currently being invested in
redeveloping the Cleveland area.
Most real estate investors are probably familiar with the concept of turnkey and remote investing. So what really separates
Black Belt Investors from the rest and has fueled the firm’s
success?
Sensei says the real differentiating factor in working with
BBI is that unlike other investment firms and the endless line
up of gurus out there which all appear to be punting their own
inventory, much of which is being sold at, or even above market
rates is “built in value, and being able to make acquisitions at
wholesale rates.”
Rather than picking from an old menu of stale listings which
have been turned down by other investors, those investing
through the Remote RehabsSM program are helped to find hot
and fresh opportunities, which meet their individual criteria and
investment objectives.
Find out more about Sensei Gilliland, Remote RehabsSM, and
request your free copy of Black Belt Investors’ Cash and Wealth
Report online at: www.BlackBeltInvestors.com
PAGE 39 • 2014
reWEALTHmag.com

40. Flipping Houses with
Duncan Wierman & Anthony Patrick
J
oint ventures are common in the real estate industry.
Many people in the business team up to do deals or
for other opportunities, usually they reside near the
other, but these two investors are so experienced
they’re able to make it work while living in opposite
sides of the nation. Anthony Patrick and Duncan
Wierman are so talented in their craft that distance is not an
issue for them. Each brings a different skill set to the table,
and they combine their talents in order to lead others into the
profitable, yet often, risky world of real estate investing.
I recently had the opportunity to meet up with Duncan and
Anthony and learn first-hand about their latest venture. Learn
how this duo lands deal after deal in one of the most competitive markets in the world: Southern California.
Linda: Well, fellas, it’s such a pleasure to catch up with
you. Please tell us about your Flipping Houses Bus Tours.
Anthony: Well, Duncan and I demonstrate our methods and
reasons why we do things the way we do, so you can be assured of success. We reveal everything! You will actually participate in the process and we will be by your side to correct
you as you go. (You will not make mistakes with us advising
you.) We take pride in teaching you how to succeed. We are
confident that when you leave us at the end of the workshop
that you can duplicate what we taught you to do, so you can
create financial success in your life.
A Question & Answer with Linda Pliagas
Duncan: The workshop is an exclusive opportunity for those investors who are tired of reading the books, listening to the same
CDs over and over, and who are ready to finally take action and
learn “hands on” from people who do this every day.
Q: Why did both of you decide to partner up for the Flipping
Houses Bus Tours, and what are your strengths that you bring
to the table?
Anthony: Between the both of us, Duncan and I have over 25
years of experience in the art of investing. From marketing, deal
evaluation, rehabbing, and most of all, giving the most value and
knowledge for our students.
Duncan: Yes, and we both have mentored our students one on
one in all aspects of real estate. Because of our success in this
business, we have decided to join forces to teach people hands-on
instead of theory.
Q: Where are some of the areas you focus on for investing and
why did you choose those markets?
Anthony: We look for below market homes on the MLS because
if we don’t, we could miss out on a gem – homes with opportunities to create their highest and best use. Most investors aren’t
doing this simple search! Also, we target for sale by owners (FSBOs) and out of state owners because when vacancies and repairs

41. jam-packed tour because we also visit
numerous houses: one under construction, one in the middle of construction,
and a finished home in escrow. We also
see a couple of deals that we have yet
to see ourselves and go over them with
our students. We teach them what to
look for and whether an offer should be
made or not. Lastly, we wrap it all up
from start to finish and go over how we
can get deals accepted.
happen, this type of owner is
likely motivated to sell. Probate
is also our niche.
Q: Are the properties your team
is visiting foreclosures, short
sales or auctions?
Anthony: They are REOs, Short
Sales, FSBOs, deals on the MLS
and also internet leads.
Q: Tell us what students can
expect to walk away from once
they take your training program?
Duncan: This is a true, “Hands
on and step-by-step” experience.
There is no better way to learn
than having us and our power
team there to “hold your hand”
every step of the way. In our
workshop we will be previewing
and introducing you to various
deals and projects that we have
already run the numbers on. We also teach our students how to
find lots of “hidden deals” on the web and train them on how
to find the most motivated seller leads using internet marketing methodologies.
Q: Can you take us on a typical day of the tour, how is the
event organized?
Anthony: On our tour you can expect to learn how to set up
your team, how to find and work with a Realtor. You will
discover how to find a deal, how to find comparable properties. We will explain the ARV (After Repair Value) and figure
out if a property is a fix and flip or a buy and hold. We will
talk about wholesaling as an exit strategy for the deals you
pass on. The whole class also visits a local Home Depot store
and we go over materials needed for a typical rehab. It’s a
Q: How much is the tour and what
does it cover?
Duncan: The investment is very
reasonable, we wanted to make this an
affordable price point for everyone. It
is only $197.00 for a three-day tour.
Yes, that includes Friday, Saturday and
Sunday. Two full days in the classroom
and one action-filled day in the field.
Q: The property trips sound fantastic!
How often do you have the Flipping
Houses Bus Tours?
Duncan: We host them only three times a year, and we do limit
the number of people who can participate because we want to
really give personal attention. We always sell out too so be sure
to book your spot early.
Q: Will students be ready to do their own rehabs after taking
part in your tour?
Anthony: Absolutely! We never hold back in providing all the information and knowledge needed to get started making money in
your market. This is a step-by-step event with a simple road map
for each person who wants to learn not just rehabs but everything
in real estate.
Q: Do you share your crew and contacts with your students?
Anthony: Yes, we want our coaching students to use our power
team so they can get a deal done fast. Our track record is phenomenal, nearly 80% of students have a deal in their first 60 to 90
days!
Duncan: We give our students access to great people, individuals
who are the best in their fields, such as Realtors, escrow and title
companies, contractors, electricians,
home inspectors,
hard money lenders,
and we even let them
work with our marketing team.
Linda: Well thanks
for your time, Anthony and Duncan,
continued success
with your phenomenal flipping tours!
Photographs - Opposite page: The Flipping Houses
Bus Tours provide in-depth live education. This page,
Anthony Patrick, Duncan and their team rehab seven
or more properties a month in Southern California,
featured are some before and after examples.
Realty411Guide.com
PAGE 41 • 2014
reWEALTHmag.com

42. Investing Secrets
of the Rich!
from Jason Hartman’s
Financial Freedom Report
rom corporate CEOs
and entrepreneurs to
sports icons and political
figures, very wealthy individuals invest for success.
While your investing career may
not have quite the scope of those
multimillionaires, you can share in
some of the investing strategies that
they and their financial managers use
to keep those mega- bucks coming.
They Invest nationally
Very wealthy investors cast a wide
net, putting money into solid investments in places far beyond their local
area. They keep an eye on trends
in emerging markets, often putting
money into lesser known markets and
enterprises under the radar of conventional investing wisdom. Investors in
income property can use this strategy
too, by taking Jason Hartman’s advice
to diversify, looking beyond local
markets for potential good deals.
Investing in another city – or another country – creates a hedge against
downturns in any one market.
They Don’t Speculate
Very wealthy investors stick with
known quantities and stay away from
hot new deals promising quick money.
Although they have money to risk, they
listen to smart financial advisors and
keep their wealth in proven assets with
a long track record of success, such as
property, solid businesses and physical
commodities.
For income property investors, the
same is true. House flipping and real
estate schemes promising fast money
don’t deliver for the long term. Creating
an income stream that lasts calls for
patience and perseverance backed by
good financial advice and an investing
strategy with clear goals.
They Get Good Advice
Rich investors have a plan and they
look for good financial advice to help
them implement it. Although they’re in
charge of their investing decisions, they
recognize the need for qualified money
managers to execute those decisions.
That’s good advice for the independent
property investor – and one of Jason
Hartman’s investing commandments.
You don’t have to be a multimillionaire
investor to learn about investing and
locate the best advice you can afford.
They Invest in Themselves
Whether they’re the face of a
corporation or a face on a billboard,
ultra-wealthy investors invest in themselves. They recognize that their image
and their brand plays a role in their
investing success and they put money
toward developing and protecting that
brand. And you don’t have to have that
high a profile to recognize the importance of seeing your investing career as
a business, with a story and a personal
brand all its own. That means investing
in the right tools for managing your
enterprise, from courses to computer
software. And it also means creating
and presenting a professional image
when you’re conducting investing
business, such as interviewing tenants.
It’ often said that the rich are just
like you and me. And while that’s not
necessarily true in all ways, even the
smallest income property investor can
make good use of the investing “secrets” of the ultra-wealthy.
House flipping and real estate schemes promising
fast money don’t deliver for the long term.
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PAGE 42 • 2014
Image: Pixel Bliss / 123RF.com
F
They Invest in Solid Assets
The ultra-rich are pretty conservative
when it comes to investing. They sink
their money into tangibles like property,
precious metals and even art. Stocks
and securities make up a surprisingly
small part of their portfolios. The takeaway for real estate investors: as Jason
Hartman says, real estate is a vehicle
for building long term wealth – a tangible commodity that will be in demand
as long as people need places to live.
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43. F
or many people, the
first foray into creating
income from real estate
comes from renting out
a home they already
own. Life changes and economic
conditions can quickly turn homeowners into landlords. But making
that shift successfully requires
re-thinking your role and your relationship to the property.
Close Out Utility
Company Accounts
Although some landlords choose to cover certain utilities, that usually happens
with a multi-unit property. Before renting out a house, though, it’s important to
ensure that you’ve closed out any utility
accounts held in your name. Tenants
will need to start their own utility services so that the new landlord isn’t held
responsible for missed bills.
Change Your Insurance
If you decide to rent out a home
that once was your primary residence, an important first step is to
switch from a standard homeowner’s policy to rental home insurance. This covers the property itself
and provides liability protection,
but it doesn’t cover possessions,
furnishings, and the like. That becomes the responsibility of tenants,
who can get renter’s insurance to
protect any possessions they bring
onto the property.
Prepare to Deal
With Tenants
One of the most daunting tasks facing
new landlords is actually renting out the
property. It may be simple to advertise
the house for rent, but then come steps
like screening tenants and finalizing
the lease agreement. Inexperienced
landlords may fail to screen tenants
carefully, or leave important clauses out
of the lease or rental agreement. Getting
the help of a real estate professional or
Jason Hartman has been involved in several
thousand real estate transactions and has owned
income properties in 11 states and 17 cities.
His company, Platinum Properties Investor
Network, Inc. helps people achieve The American Dream of financial freedom by purchasing
income property in prudent markets nationwide.
Jason’s Complete Solution for Real Estate Investors™ is a comprehensive system providing
real estate investors with education, research,
resources and technology to deal with all areas
of their income property investment needs.
Contact Jason at www.JasonHartman.com or
714-820-4200.
Realty411Guide.com
PAGE 43 • 2014
even a lawyer to create a good rental
agreement can help forestall issues
down the line.
Plan for Tax Time
As a rental property owner, you’ll be
reporting rental income on your taxes.
But you’ll also be reporting a variety
of deductible expenses. Although tax
laws are subject to change, the long
list of deductibles begins with your
mortgage interest and includes such
expenditures as real estate taxes, costs
of advertising the house for rent,
travel, accounting and depreciation
on the house. Repairs and renovations
can also be deducted under certain circumstances. And you can also deduct
expenses related to your home office,
which brings us to the last point:
Think Like a Professional
If you’ve made the shift from homeowner to landlord, you now have a
business, so it’s important to see your
income property in that light. Even
if you choose to outsource aspects of
managing the property to a management company, you’re still the one in
charge. Maintaining a home office,
keeping goof records, and establishing
a businesslike relationship with tenants builds credibility and establishes
authority.
Renting out your residence may be
a response to unexpected circumstances, or the first step toward an investing
career that involves multiple properties, as Jason Hartman recommends.
With careful planning, though, learning to think like a landlord can save
headaches and open doors to building
long term wealth.
reWEALTHmag.com

44. markets
Birmingham Bus Tour
Summit Assets Group Shares an Undiscovered Investor’s Dream
S
ummit Assets Group, a leading
provider of turn-key passive
income properties for real estate investors, hosted a buying
property tour in Birmingham,
Ala., on Saturday, October 19th. After
many successful tours in Atlanta the company has expanded into the Birmingham
Lori Greymont
market because of its strong economy,
growth projections, and ability to generate dependable cashflow for real estate investors.
The bus was filled with local, national, and international
investors, as well as a film crew from the largest Japanese
television network. The company showed off some of the assets that make Birmingham a leading investor city in the U.S.,
in addition to a small sample of property opportunities.
The tour started off Saturday morning when investors had
called Miss Myra’s BBQ Pit for a taste of Southern Hospitality and flavor. With full stomachs, the investors then toured
the downtown area, University of Alabama at Birmingham,
and other key development areas. A local attorney, turned
tour guide, entertained the investors with critical economic
facts interlaced with humor. In addition to learning about
the different economic growth factors that create the right
investment environment in Birmingham, investors were able
to walk through properties and see neighborhoods first hand.
The viewed properties were in different states of the rehab process, and the investors were able to meet and mingle with some
of the contractors on-site!
On Sunday, the Summit team and investors took full advantage of the entertainment factor with NASCAR at the Talladega
Super Speedway. The race was amazing (even if they didn’t
finish the final lap)!!
Watch the video at http://youtu.be/FLYrY3QIqSg
Summit Assets Group Prepares
For New Buying Tour
Image: Sepavo / 123RF.com
S
an opportunity to learn from Summit Assets Group’s CEO
and radio host, Lori Greymont. Education was one of the
main focuses of the weekend as investors heard about the
economic impact of recent developments in Birmingham and
how local government and civic organizations bringing in
long term job growth. Greymont shared that real estate has
historically increased faster than wages and inflation and now
is the time to take action while prices are still well below the
cost to rebuild.
After the education from Lori, investors loaded up the bus
and the tour began. The first stop was lunch at a local haunt
Realty411Guide.com
ummit Assets Group and CEO Lori
Greymont continue the “Make a
Difference” mantra. But this mantra
is actually a way of life. They make
getting to know their clients on a
personal level a pivotal business component
and hosting the buying tours is just one way
to meet and connect with their valued clients.
“It’s all about helping the investors secure
a financial future with successful real estate
investing – and having an ally to assist in the
process. Our combined 65 years of experience
bring peace of mind to our investors,” Greymont said. Summit is working on the next
tour and dates will soon be available. Whether
you are a veteran investor, just getting started,
or even thinking about investing in your future, join Summit
on their next tour for both the real estate education and the
opportunity to buy investment properties that generate dependable passive income.
Summit Assets Group invites real estate investors to download
their *FREE* market checklist for identifying the best markets
for dependable cash flow at: www.summitassetsgroup.com/
ideal-market or call them at 888-298-0652 to learn more about
available turn-key properties.
Lori Greymont
Take Care,
PAGE 44 • 2014
reWEALTHmag.com