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*ATTENTION REALTORS WHO WANT TO MAKE MONEY WITH LOW RISK AND
VIRTUALLY NO EFFORT*
\"DISCOVER HOW A MIDDLE-AGED REALTOR FROM SMALL TOWN CANADA STUMBLED
ONTO AN INSIDER (AND NEARLY RISK-FREE!) WAY TO USE THE REAL ESTATE
KNOWLEDGE THAT HE ALREADY HAD TO EARN DOUBLE DIGIT RETURNS IN THIS
SIDEWAYS MARKET.\"
Don't invest another dime until you discover how you can earn an
OUTRAGEOUS INTEREST RATE with virtually no risk or effort. I've done
it many times and can show you how, too!
Date:
From: Mark Hindley, Realtor
Dear Fellow Realtor,
It sounds almost too good to be true but, in the past year, I've been
quietly banking 14.34% in interestand I've been making similar returns
for the last 9 years! And in this sideways market there's even more
opportunity than ever - that I'll explain in a moment. But first let
me share with you my story (it might sound familiar).
Like many of you, I have invested in a variety of things over the
years (real estate and otherwise), in an effort to stabilize my income
(commission-based income fluctuates with the market, but my monthly
bills sure don't) and, given that I have no corporate pension plan to
fall back on, earn the money I need to fund my future retirement. I am
also a big believer in enjoying my life in the here and nowbefore it's
too late! That's why I take lots of vacations, as well as enjoy my
many hobbies such as fishing, hunting and flying my Cessna 172.
However, these things take money (too much money, if you ask my wife
).
I started out by buying a number of rental properties that I have now
managed for several years. If chosen carefully, this type of
investment can be fairly lucrative in the long term, but all that
glitters is not necessarily gold, and this investment definitely comes
with its share of ongoing hassles (plugged toilets and tenant turnover
are a couple of things that come to mind).
I have also renovated and flipped my share of properties, but the
time, effort and money required to do this usually makes this
investment option impractical, if not impossible.
Like much of the population, I have also held money in mutual funds
and the stock market, but I was sick of nervously watching my
retirement money go down in value and NOT HAVING ANY CONTROL over it.
Time to take control!
I needed some other way that I could use my real estate expertise to
earn low-risk monthly income...and, this time, I didn't want it to
involve other people's toilets or out-of-my-control stock markets!
Furthermore, given that I already had a "day" job (more accurately, a
day, night and week-end job), I needed something that would require
MINIMAL EFFORT.
Calling all Realtors
That's when I ran across a special kind of investing, perfectly
suited to Realtors like you! One day, the Mortgage Broker where my
Real Estate Office oftens sent our clients, asked me if I was
interested in making some extra money every month.
The Broker said that he was looking for people to fund second
mortgages and that he would love to work with Realtors, because of
their knowledge of the market and their experience in the valuation of
properties (this expertise made the process much faster and easier for
both parties).
I was still a little sceptical, thoughdid I really want to loan my
hard-earned money to someone that was so 'financially challenged' that
they needed to take out a second mortgage in the first place? Wasn't
that too risky? I came to find out that this was a misconceptionmany
solid, responsible individuals, due to a variety of situations (e.g.
change to employment or relationship status), may find themselves
temporarily in need of a second mortgage. The Broker confirmed that he
dealt with people such as this on a regular basis, especially in these
economic times where many commercial lenders have tightened up on
their lending criteria, and that it could sometimes be a challenge for
him to find enough private lenders to cover the mortgage needs of
these good quality individuals.
But, what if the Mortgagor does go bankrupt and I lose my investment?
I quickly dispelled this worry too, when I talked to a real estate
lawyer who confirmed what I remembered from my real estate law
coursein the case of bankruptcy, mortgages are protected by law! As
long as I was confident of the property's value, my investment would
be 100% safe. I don't know about you, but my stocks and mutual funds
sure don't come with this kind of security!
Now I was really interested, so I started researching second
mortgages, to see what benefits it offered. I wish I had learned
earlier about this great way to make money!
5 Reasons Why Funding Second Mortgages might be
the Best Investment Choice for Realtors...
* You are uniquely qualified. Realtors already have the knowledge and
skills required to fund second mortgagesno need for expensive and
time-consuming training. Realtors also have the contacts (Mortgage
Brokers, personal clients and other Realtors) required to find
excellent second mortgage opportunities (rest assured, there are
plenty of safe and solid borrowers who need private money due to such
life circumstances as self-employment, relationship breakdown, or a
previous isolated financial setback). All you need to get started
right away is my quick and easy step-by-step process for funding
second mortgagesand I'll provide that!
* You are in control. You determine the risk, then set the interest
rate, lending fees and term as you see fit (or turn down the
investment if you are not totally comfortable with the level of risk).
Walk away with your original principle amount at the end of the
mortgage termuse this money to invest elsewhere or to fund another
second mortgage!
* Stabilize your income. You can stop being a victim to income that
goes up and down like a kid's yo-yo. Earn a steady passive income
every month to pay bills, save for retirement, go on vacationor just
use it to enjoy life!
* Minimal effort and hassles. You're too busy to spend your time
chasing tenants, renovating houses to flip them, or anxiously watching
the stock market. With second mortgages, spend a few hours upfront,
then just sit back and collect your money every month (some of my
second mortgages I've had for years). Oh, and did I mention, there is
practically no paperwork for you to do, since I provide you with easy
fill-in-the-blank templates that can be completed in a matter of
minutes (did I hear cheering?).
* Minimal investment required (no maximum). You decide how much you
want to invest, from as little as a few thousand dollars to 'the sky's
the limit'. Choose to fund second mortgages out of your RRSP (new or
existing contributions) and enjoy great tax savings while making above
average returns towards your retirement. If you don't personally have
any funds available, use other people's money to invest in second
mortgages and still make an excellent profit.
Why take my word for it?I have been providing funding for second
mortgages for 9 years and have actually funded 33 mortgages, ranging
in amount from $7,500 to $45,000. Over the course of this time, I have
made a considerable amount in passive income from second mortgages.
Currently, I am funding eight mortgages totalling $156,850, with
interest payments of $1,873.64 per month and an average interest rate
of 14.34%. Of this total, $100,166.44 of this is funded through my
registered retirement savings plan (RRSP), earning me tax-deferred
interest of $1185.45 each month, or $14,225.40 annually (don't take my
word for itsee below for a copy of a recent RRSP statement). Is your
retirement fund making these kinds of steady returns?
Even if you only have a fraction of this money to invest, you can
start seeing a real profit right away. Let's look at a very realistic
example. If you had only $10,000 to invest, you could earn at least
$2000.00 in the first year investing in a second mortgage (assuming a
conservative 14% interest rate and $600.00 lender fee). Fund it from
your RRSP, and this amount is also tax-deferred (remember, you can use
either new contributions or existing registered funds). However, that
same $10,000 invested with the bank would likely only earn you $170 in
that same time period (assuming a current 1.7% interest rate).
Second Mortgage Bank Investment
Original investment $10,000 $10,000
Annual interest earned $1,400 (14% interest) $170 (1.7% interest)
Lender fee $600 n/a
Total at end of first year $12,000 $10,170
Note: This calculator is only to be used as an example of figures that
can be potentially earned. The results from this calculator are not
typical or guaranteed.
Over the years, I've talked to many Realtors who are looking for a way
to boost their retirement savings, especially in light of the fact
that they don't have a company pension to fall back on, but are
uncomfortable with the typical options open to them. I've done my best
to convince them that there are other options and tried to explain
what to do, but it's pretty tricky when the process and expertise is
in my head, not on paper.
That's why I decided to finally do something about it and develop a
guide that is truly uniqueone that is written specifically with
Realtors in mind. 'The Realtor's Quick Guide to Investing in Second
Mortgages' will take you, step by step, through the process of funding
second mortgages (it's like I'm sitting on your shoulder and walking
you through itexcept it's much less annoying ).
You need a proven expert to guide you through the process...from
beginning to end
It's NOT a difficult or lengthy process (just 5 quick and easy,
carefully laid-out steps), but some guidance from someone who 'knows
the ropes', sure goes a long way towards helping you avoid any costly
or time-consuming pitfalls. To make the process even easier and more
attractive (especially to those of us who are' less than enthusiastic'
about administration), I have converted what little paperwork that
needs to be done, into easy fill-in-the-blank PDF forms (see the free
bonuses). Take a few minutes to complete these, then let the Broker
and Lawyer do the rest, confident that your interests will be
protected.
Although second mortgages are typically 'uneventful', over the nine
years I have been investing in them, I have had to deal with a few
different situations (e.g. mortgagee missed a payment; house went into
foreclosure). Because of my experience, I can provide a step-by-step
process for dealing with these events with the least amount of time
and hassle (they may be rare, but you still want to be prepared if
they do happen). And the good news is, even when something like this
happens, you are well compensated for your efforts!
Wouldn't you like to 'do it right' the first time and have your
money and knowledge start working for you RIGHT AWAY?!
Here's just a taste of some of the highly profitable secrets, tips
and techniques you'll learn:
* How to use your knowledge of real estate and the real estate market
to choose virtually risk-free properties (page 11)
* How to decide what interest rate and lending fees YOU want to
charge (page 15)
* How to find an almost unlimited supply of high-quality second
mortgage opportunities (page 4)
* The 2 CRITICAL things that you NEED to do when inspecting a second
mortgage property (page 13)
* 4 ways to fund a second mortgage, even if you DON'T have the money
(page 7)
* How to shelter your interest income from the tax man (page 22)
* What you NEED to do to make sure you are PROTECTED legally (Bonus
#1: I'll even provide you with a sample legal agreement, as well as
clauses I have developed and used over the years to cover a variety of
standard and non-standard situations)
* The 5-step process you should follow to quickly and easily assess a
second mortgage opportunity
* The 2 key questions you MUST ask yourself before deciding whether
or not to fund a second mortgage (page 14)
* The CRITICAL piece of paperwork that can help protect you (Bonus
#2: I've provided a printable copy for you)
* What to do if the "s--- hits the fan" (includes strategies for
getting your money OUT of the property) (page 23-25)
* How to choose the 'professional partners' that will make your job
even easier (page 5)
* And much, much, more!
At first, I considered putting together a workshop or seminar with
this information and charging $1,500 per person to attend, but then I
decided that I could get it into more hands by making it a
'here's-everything-you-need-to-know-to-hit the-ground-running' home
study course, designed specifically for the time and patience
challenged, like me (and the money I save by not having to travel
across the country delivering this workshop, I can pass on to all of
you in the form of a significantly reduced price). All documents can
be downloaded immediately and are in PDF format so they can be
accessed by anyone (for those who don't have Adobe Acrobat Reader, a
link to a free download has also been provided).
This information helped me make thousands...so why wait!
You get IMMEDIATE ACCESS to "The Realtor's Quick Guide to Funding
Second Mortgages", plus several very valuable bonuses, if you ACT
RIGHT NOW.
Order today and you pay the introductory price of only $97! That's
right...you can get this complete package for less than the cost of
even a single house ad, which may not even generate one call!
Act immediately and receive the following bonuses
Act right now and you'll also get the following bonuses...
FREE Bonus #1: My customized, fill-in-the-blank Commitment Letter
(estimated value of $349)
Over the years, I have developed a Commitment Letter to protect me as
a Mortgagee. I have written a number of standard conditions that I
include on every mortgage, as well as a number of conditions to cover
a variety of 'non-standard' situations. I have developed a PDF version
of this letter so that you can simply 'plug in' the relevant
information into the template and select the relevant clauses and
you're good to go (or, if you're more comfortable, print the letter
out and fill it in the old-fashioned way). Why not save yourself the
cost, hassle and uncertainty of starting from scratch!
FREE Bonus #2: My 'Get it signed now and be thankful later' letter
(estimated value of $149)
I will provide you with the Authorization Letter that you MUST get
signed by the Mortgagor and that authorizes you to check the status of
their first mortgage at any time to confirm that it is current (this
letter can really come in handy if you ever need to work out a remedy
with the first Mortgagee).
FREE Bonus #3: No-Nonsense Action Checklist (estimated value $49)
You will get a copy of my "Second Mortgage Action Checklist" which
shows you a bird's eye view of the second mortgage funding process.
Refer to this Checklist as you go along to easily see what steps to
take and the order in which to take them. Print off and complete a
Checklist for each second mortgage, so that you can easily see where
you are in the process at any point in time.
FREE Bonus #4: Never too much of a good thing, Mortgage Renewal Letter
(estimated value of $99)
Use this letter to quickly and easily renew a second mortgage for the
term of your choice, without the hassle of outlining all of the
original conditions again (did I hear "less paperwork"?!).
Order yours now for the incredibly low price of only $97!
You can't lose with my 100% money-back guarantee
By the way, these bonuses are yours to keep, even in the unlikely
event that you decide to take advantage of my money-back guarantee.
There is absolutely no risk to you, since your satisfaction is
guaranteed! If for any reason, you are not absolutely thrilled with
your purchase, just let me know within 60 days and I'll refund 100% of
your purchase price. What that really means is that you can "try it
out" for 60 days, without risk!
If it doesn't help you determine the most important information you
need to gather about a potential mortgage property and Mortgagor,
decide what interest rate and lending fees you want to charge, choose
the best Mortgage Broker and Lawyer for you, shelter your interest
income from taxes, quickly and easily assess a property's risk, and
complete the paperwork required to set up a second mortgage that
legally protects you in less than ten minutes, then I don't want your
money.
You have nothing to lose, but everything to gain! Give it a try and
start TAKING CONTROL of your investments TODAY! The next move is up to
you (after all, you can only lead a horse to water but you can't make
him drink)!
Click the button below to get INSTANT ACCESS!
It doesn't matter if it's 2:00 a.m. in the morning!
Purchase online with Credit Card by Secure Server
Sincerely,
Mark Hindley
Realtor
St. Thomas, Ontario
P.S. Don't continue to earn low interest rates on your investments and
lose money to the stock market. Discover a QUICK AND EASY way to use
your existing real estate knowledge and connections to earn above
average returns, every month. Get this life-changing quick study book
for less than the cost of ONE real estate print ad, that may not even
generate a single call! There really is no risk to you (you have 60
days to try it out)!
for your instant access to
"The Realtor's Quick Guide to Investing in Second Mortgages".
Every effort has been made to accurately represent our product and
it's potential. Any claims made of actual earnings or examples of
actual results can be verified upon request. The testimonials and
examples used are not intended to represent or guarantee that anyone
will achieve the same or similar results. Each individual's success
depends on his or her background, dedication, desire and motivation.
As with any business endeavor, there is an inherent risk of loss of
capital and there is no guarantee that you will earn any money. Legal
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