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Inside This
Special Report….
THERE IS NO SUCH THING AS
THE PERFECT INVESTMENT!
Therefore, any investment is a
compromise -where each investor must weigh the different levels of risk and
return for any given investment. One investor may be willing to take more of a
risk in exchange for the potentially large returns, while another is more
comfortable with safer, less risky investments. There is no perfect investment for all people.
With that said, let’s talk about the basics of
financial planning. Before doing anything else, the first steps are to pay off
any high interest consumer debt (i.e. credit cards), fund your retirement
accounts, and save up a “safety net” cash reserve.
If you don’t have the money to do these things, you
need to start spending less and saving more (what a concept) so that you do. If
you don’t take these vital first steps, you will never, ever be
wealthy.
Once you have taken the above basic steps, you are
ready to invest for your future, invest for growth, and invest to be wealthy!! From this point
forward, we are going to assume that you are ready. A moment ago we stated that
there is no such thing as the “perfect” investment,
and this is true. But one thing is for sure….
REAL
ESTATE IS AS CLOSE TO PERFECT AS YOU CAN GET!
Many people want to invest in real estate, but they
just don’t know exactly how to get started. There is a lot of bad information
out there, and people generally have lots of questions. To cover everything in
an organized, logical manner, let’s look at the most common questions- and
discuss the answers.
Why Invest
In The First Place?
Why not just put your money in a mattress or safe
deposit box? Because inflation will kill you. It will eat away at your money’s
value, actually making you poorer and poorer with each day that goes by.
For those of you who need some explanation,
inflation is simply the general trend of prices to rise over time. Think back
to 25 or 30 years ago. You could buy a nice new car for $5,000. A hamburger for
20 cents. An average new house for
$25,000. You certainly can’t do that today. While the prices of some items are
actually coming down (computers, for example), the overall trend is up.
This means that over time your money will buy you
less and less. For example, if inflation is running at 4% per year, you need to
earn 4% on your money just to break even, more if you want to build wealth. You
want to invest in things that not only give you a good return, but that also go
up in value over time (appreciate).
Another reason to invest is tax advantages. Most of us are being taxed from all angles. We
ARE NOT talking about cheating the government or not paying taxes that are
legally due.
However, prudent investors will always structure
their investments in order to legally pay the lowest amount of tax. This
includes tax-free investments, tax credits (as in depreciation), and tax
deferral (as in most retirement plans).
Many people invest for cash flow. A common goal is to create a “money machine” that
will eventually replace you as the primary income earner. This means that
instead of you working for money, your money works for you!
Smart investing will put you in the position where
someday your investments will earn more money each year than you do working at
your job. At that point you can retire and do what ever you want, or continue
to work and really sock away the dough – and build up some serious wealth!
The main
reasons for investing are:
2. Tax Advantages
3. Cash Flow
4. Retirement
Or stated another way, a great investment should
have the following qualities:
2. Gives you tax advantages.
3. Provides growth or cash flow.
4. Helps your overall retirement plan.
Why
Invest In Real Estate?
There are truly many advantages of investing in real estate. More
millionaires have made their fortunes in real estate than anything else!
Here is what some of the wealthiest Americans have said:
1. APPRECIATION- Over the past 80 years,
real estate values have continually increased. There have, of course, been some
periods where values decreased, but the overall trend has been nothing but up.
Like anything else, the value of real estate is determined by supply and
demand.
2. LEVERAGE- A
great thing about real estate is that you can tie up a big
asset with a relatively small amount of money. You
can easily buy a $100,000 home with only 10% ($10,000) down payment. To
illustrate the power of this, consider this example.
2. TAX ADVANTAGES- You can deduct, as an expense, all of the interest, property
taxes, insurance, repairs, inspections, and depreciation on your investment real
estate- no matter how much you own. Do not confuse this with the rule for
personal residences. While you can only deduct interest on up to 2 personal
residences, you can write off unlimited investment interest.
4. FREEDOM- While there is some management and record keeping required, it is
nothing compared with some other investments. If you invested in a business
such as a dry cleaners or a restaurant, you would be married to the place,
putting in God knows how many hours. Real estate investing can be done without
too much interference with your current job.
5. SOMEONE
ELSE PAYS FOR IT- With real estate, the people
who
occupy your buildings are called tenants. They pay you rent
every month
that you then use to pay the mortgage. The tenants literally
buy your
investment property for you! When you invest in stocks, bonds,
or precious metals, you are the one who has to pay for it.
6. CASH FLOW- Real estate provides you
with a monthly cash flow. This can be
some very significant income, especially after the loan is paid off!
7. SOLID ASSET- Real estate is widely recognized as one of the greatest
assets to have. It is looked upon favorably by
anyone looking at your financial statements. Real estate is also easy to borrow
against should you need extra capital.
Why
Invest In Single Family & Two Family Homes?
We have discussed the value of investing in real
estate, but why single & two family homes? Why not invest in raw land,
apartment buildings, shopping centers, or office buildings? There is certainly
nothing wrong with these other types of real estate - if you know what you are
doing. But single & two family homes have many advantages over other forms
of real estate.
1. SMALLER AMOUNT OF MONEY NEEDED- The average person simply does not have the money to go out and
buy a shopping center or apartment building. As was discussed before, it is
possible to buy a single & two family homes with 10% or less down payment. This means
that you can buy a $100,000 house for only $10,000 down. It is entirely
feasible for the average person to save $10,000 to buy their first investment
property. Single family homes & duplexes are great for the average investor.
2. PEOPLE ARE FAMILIAR WITH
HOUSES- Most people are not
comfortable with shopping centers or
apartment buildings. They don’t know what the rents are, what repair costs are, etc. On the other hand,
most people do understand single family homes. They probably have seen the
value of their own home go up over the years. They know psychologically that it
is a good investment. They know roughly what it costs for repairs. People buy
what they are familiar with!
3. MORE FLEXIBILITY- Let's assume that for the same amount of money you
could either have 5 houses or 1 apartment building. If you needed money, with
the apartment you would either have to sell the whole thing, refinance the
whole thing, or bring in a partner on the whole thing. With the 5 houses, you
could sell one of them, refinance one, or bring in a partner on just one.
4. MORE CONTROL- With an apartment building, all of the tenants know each other,
and they will know what they pay in rent. That means it is difficult to charge
one tenant higher rent than another. Plus, if one tenant plays the stereo too
loud or causes other problems, YOU will get the complaints. With houses, they
are generally scattered around the
area. You can raise the rents individually, offer lower rents to
excellent tenants, etc.
5.
HIGHER EQUITY BUILD UP- There is usually more
appreciation in single family homes than in apartments. Apartment buildings are
valued based on the income approach (how much money they bring in). Single
family homes & duplexes are valued based on comparable sales. This means that your investment
houses are valued according to what the other homes in the neighborhood are
selling for. Owning your own home is
part of the American dream. A home is a psychological desire. There is
certainly more demand for houses than apartment buildings.
6. LESS CHANCE OF RENT CONTROL- Rent control is where the
government tells you how much you can charge for rent. In many big
cities with rent control, buildings have been abandoned because the owners
could not charge enough rent to cover their costs. As a property owner, rent
control is a very bad thing. Fortunately for the duplexes & single family home
investor, most rent control laws only apply to buildings with 4 or more units.
7. LESS RISK- With duplexes & single family homes, you don’t
have all your eggs in one basket. The homes are usually scattered around the
area. With an apartment building, if the area goes bad for some reason (i.e. a
factory or freeway goes in across the street) you are sunk.
Other forms of real estate are fine, but they
may require more money and sophistication than the average investor has. It is
easy to see that single family homes & duplexes are a fantastic investment
for just about everyone.
What
Are The Drawbacks?
It would not be fair to have a discussion
about investing in single family homes & duplexes without covering the
negatives also. Every investment has some drawbacks, no investment is “perfect”.
2. VACANCY- All real estate can suffer from vacancy from time to time. With a single family home, if it’s vacant, the whole thing is vacant. With a 10
unit apartment, if you have a vacancy you still have the other 9 units
producing rental income. By purchasing the right properties in the right areas
and charging fair rents, you can minimize the vacancy rate so it isn’t a big
problem.
3. REPAIRS- Any real estate is going to require repairs occasionally. Single
family homes & duplexes each have their own furnaces, air conditioners, roofs, etc., unlike an
apartment building. Houses may therefore have more repairs, although they will
generally be less expensive repairs than for a larger building. Apartments also
require things like landscaping maintenance and snow removal, things that a
tenant often does in a single family home. In addition, tenants in houses often
perform a lot of minor repairs themselves.
Where Do I Find The Houses?
It almost goes without saying that you want
to buy the houses for the lowest possible price. But where do you find these deals?
They certainly don’t walk up and knock on your forehead (unless you are a real
estate agent). This means that you need to actively go out and look for them.
You need to develop a system for locating motivated sellers.
What is a motivated seller? It is a seller
who, for whatever reason, is anxious and compelled to sell their house as fast
as possible. These sellers will likely sell for less than market value, often
considerably so. They will sell below market, and shake your hand and thank you
for buying it.
They had a problem, and you helped solve
it. You got the “monkey off of their back.” Do not ever feel like you are
taking advantage of a seller. For whatever reason, they are in the situation
that they are in and it’s not your fault. Remember, if you don’t buy it,
someone else will!
1. DIVORCE- About 25% of all home sales are the result of divorce
or family problems. While this is unfortunate, it provides some great
opportunities for the investor. There are cases where one spouse will agree to
sell the house very cheap just so that the other will get less proceeds. Often
in messy divorces the court will order the sale of the house, so it MUST be
sold. When people are highly emotional, they will do things that are sometimes
hard to believe, like accepting a low offer on the house!
2. DEATH- This is also unfortunate, but it is something that happens
eventually to all of us. Sometimes the sale is motivated by emotion, like where
a spouse does not want to stay in the same house after the other spouse dies.
Other times it is more financial, where the home can no longer be afforded
without the deceased.
3. JOB TRANSFER- When a person is dependent on their job and they get transferred,
they sometimes must move quickly. Often one spouse will move on to the new city
and leave the other behind until the home sells. This means separation and the
expense of traveling back and forth. After several months of this arrangement,
the motivation to sell can increase greatly. Sometimes the transferred employee’s
company will pay some or all of the costs associated with selling the house and
moving. This may enable them to take an even lower price for the house.
4. BOUGHT ANOTHER HOME- In many cases a seller will purchase another home before their
existing home is sold. They may need to sell the existing home before they can
close on the new one. Sometimes they may close on the new one, move into it ,
and leave the old one vacant. Either
way, the motivation to sell can be large!
5. FORECLOSURE- When the owner of a home doesn’t make the payments, sooner or
later the bank will foreclose on the property and take it back. Depending on
state/local laws, the foreclosure process can take anywhere from 4 to 15
months. This leads to 2 different opportunities.
6. VACANT HOUSES- Any of the above 5 situations can lead to a vacant house. Any
time you see a house that is sitting vacant, you see resources being wasted.
Whoever owns that house is either making payments on it every month or, if they
own it free and clear, missing out on the use of the money somewhere else. No
matter what the situation, a vacant house is usually a good sign of a motivated
seller.
There are several ways to find these
motivated sellers. The first is to find a
reliable, professional real estate agent to
assist you. Real estate agents are out in the trenches every day and are the
first to know about these types of properties. Most of the time the agents are
paid by the seller, so it doesn’t directly cost you to use their services.
You may want to distribute flyers to real
estate offices stating that you are an investor who will buy properties that
meet your criteria. You can also contact divorce and probate attorneys, and
bank REO departments. The most important thing is to tell them that you are
prepared to act fast and buy a
property quickly if it meets your criteria.
So how do you determine what houses to buy? What criteria
is used to evaluate potential investment houses? How do you buy them, and what
do you do to get them ready to rent?
1. TYPE- The most important thing to remember here is to follow the law of
supply and demand. What type of house appeals to the most people? In most areas, this is a 3 bedroom, 2 bath,
2 car garage detached house (3/2/2). This is not to say that a 4 bedroom is no good.
If you come across a 4 bedroom that is a great deal and meets all the other
criteria - by all means buy it.
2. LOCATION- Look for an average house, in an average neighborhood, to rent to
an average person, and, down the road, to sell to an average person. You want a
middle income area with the widest appeal. Avoid single & two family homes
that are on a busy street
or back up to a busy street. If you can find a home on a cul-de-sac or corner
lot, that’s great. You should research home sales over the past few years. A
real estate agent can help you with this, or you can go to your county records.
Pick an area where values are steadily increasing. As for age, a newer home
will generally require less in repairs, although this is not always true.
3. PRICE RANGE- The key here is to select a price range where you can get a
positive cash flow or at least breakeven while still being able to make the
rent affordable to renters. This price range is generally just below the
average price in the area. For example, if the average home in your area is
selling for $110,000, the best rentals may be in the $70,000 to $100,000 price
range. In addition, this is a price range that should be easy to sell in the
future, when the time comes.
4. FINANCING- There are many different
ways to buy properties, but they all fall pretty much into the following
categories.
B) NEW MORTGAGE- In this case
(the most common) the buyer makes a down payment and goes to a bank or mortgage
company to get a loan for the balance of the purchase price. The bank will put
a lien against the property so that if the payments are not made, they can
repossess it. The buyer will be required to fill out a loan application and the
bank, depending on the amount of the down payment, will run a credit report,
verify the applicant’s employment and bank accounts, and analyze the debt to
income ratio. The interest rates and fees charged can vary significantly, so a
prudent buyer is well advised to shop around to different loan companies before
going through the application process.
C) SELLER FINANCING- This is
where the seller acts like a bank and loans you the money to buy his house. For
full seller financing, the seller must own the house free and clear (no loans
against it).The seller will usually require the buyer to make a cash down
payment, and then put a mortgage (lien) against the property for the balance of
the purchase price. The terms such as interest rate, down payment, length of
loan, etc. may all be widely negotiable.
D) ASSUMPTION- Prior to 1988, all FHA and VA mortgages
were assumable without qualifying. Many investors scooped up properties by
simply assuming these loans with small down payments. Those days are all but gone.
There are still some of the old loans around, but the equities are big so that
the buyer either has to come up with a huge down payment.
E) CONTRACT OF SALE- There are many ways to use this technique,
but the basics are the same. The new buyer makes a down payment to the seller
and takes over the property, without notifying the underlying mortgage holder.
The buyer makes payments to the seller, who then makes the proper payment to
the mortgage company.
5. PREPARING THE HOME FOR RENT- It makes good sense to try to buy homes that require the least
amount of work, but sometimes the best deals are on homes that need some
attention before they are ready to rent. Do not make the mistake of trying to
rent a home if it is not in good condition. The only tenants who will be
willing to rent it are messy and figure that since the house isn’t in good
condition anyway, it doesn’t matter if
they trash it. So what does good condition mean?
A)
INSIDE- The two best things that you
can do, that make the biggest difference for the least amount of money, (in
addition to a thorough cleaning) are carpet and paint. Fresh carpet and paint
make a house smell, feel, and look new inside. As for color, go with neutral,
nothing flashy. For paint, use an off-white with a beige tint for a soft, cozy
feel. Don’t use a gray- it gives a cold and drab feeling. Never put up
wallpaper, you will regret it down the road!
B)
OUTSIDE- The idea here is to
“gingerbread” the exterior, give it what is referred to as “curb appeal”. The
house should look nice and well kept- the kind of place people would want to
live. The first thing to do is paint the outside if it needs it. Again, you
should use neutral colors that are common to other homes in the area.
6. BUY-FIX-SELL- Many people like the idea of buying houses, fixing them up and
then selling them, hoping to make a profit. It is possible to do this, but you
must be very careful and know exactly what you are doing or you will get
burned. First, once you buy the property, you need to fix it up. Depending on
the amount of work, this can take a couple months. During this period you are
not only paying for the repairs, but also the mortgage payment. Once the
repairs are done, it can take several more months to sell the house, which
means more payments on a vacant house.
How
Do I Handle The Management?
Good management is critical to being successful at
investing in single & two family
homes. In fact, even if you
do everything else properly, you’ve got big problems if you don’t know how to
manage the houses and the tenants. Finding and buying the house is only part of
the job.
Repairs and vacancies are the two biggest problems
that you will face, and too much of either will turn a good investment into a
bad one. Both of them are the result of
bad management. Record keeping is critical. Make sure you have
everything for tax time and in case of an audit.
Fortunately, once you learn the rules and “tricks of the trade” you can easily
put together a system that will allow you to avoid most of the management
nightmares.
Selecting tenants is without a doubt the most
critical management decision you will make. The profitability of your investment
depends on it. So how do you find good
tenants? You can either turn the whole job over to a professional management
company, or do it yourself.
The first option is certainly easier, but a
professional will usually charge you around 10% of the gross rent every month.
This may be alright down the road when you have plenty of equity and a large
cash flow to afford it, but investors
starting out can be well served to learn the ropes themselves.
The two most frequently used methods to actually
find the tenants are a classified ad in the newspaper and a FOR RENT sign in
the yard. In most cases these methods will be adequate. The important thing is
how you screen and qualify the tenants.
You may be tempted to just take any renter that
comes along without any background check because they “seem nice e\nough.” NEVER,
EVER, EVER, MAKE THIS MISTAKE! People are not always what they seem. It is better to have a vacancy than a bad
tenant.
The first step is to tell all prospective tenants
that call you: “Thanks for calling.
That home is an excellent one, and it is still available. I’d be happy to show it to you. First though, I should tell you that we
require a $35 non-refundable application fee and that all references and past
landlords are checked, in addition to a credit report. Prior to move in we require the first
month’s rent, a security deposit of _______, and a refundable cleaning deposit
of $275. Do you still want to see
it??”
You will eliminate most all of the bad tenants right
then and there. If they know that you
are going to check them out, and they have a lousy record, they won’t even
waste their time (or yours). You may be thinking that by following these rules
you might not get any tenants. NOT TRUE. Nice, sharp looking homes in good
areas are always in demand.
Before you agree to meet a prospective tenant at the
house, make sure to get their name and phone number. Not only can you then call
them if you get delayed, but they are much more likely to show up (or call you
if they can’t make it) if they know you have their phone number.
When you do meet a prospective tenant at the house,
always be polite and respectful (this goes for on the phone, too). Take a look
at their car. If it is filthy and full of trash and half eaten hamburgers, that
is probably how your house would end up looking if you rented to them.
Let them in and allow them to take a look for
themselves, without you breathing down their neck. Don’t say stupid things like
“this is the kitchen”. You should casually mention any features or benefits
that are not obvious.
You need to let them know that you are a serious
investor, and that you will make any necessary repairs promptly. Strike up a
conversation by asking questions such as: “How
long have you been in town?” and
“Where do you live now?” and “Why are
you moving?” and “How long of a lease
are you looking for?” and “Where do you work?” and
“How many of you would be occupying the home?”
Listen to how they answer these questions.
If they say something like “We are moving because our last landlord was
impossible to deal with,” you may have some concerns. If they are sincerely
interested, you’ll know it. Don’t try to oversell the place, you will seem
desperate.
Ask if they want to fill out an
application. If so, encourage them to fill it out on the
spot, and collect their $35 application fee. Tell them it usually takes less
than 24 hours to process, and you’ll call them promptly either way. If they
prefer, give them an application to take with them and bring back to you
later.
If you are managing a lot of houses, you may want to
get an account with a credit bureau to run credit checks yourself. Otherwise,
it makes sense to use an outside service. Many of these services will run the
credit check, call and verify past landlords, employment, and bank accounts for
you for around $18-30 (that’s what you use the application fee for).
It’s a good idea not to put too much weight on what
their current landlord says about them. If they are a problem tenant, many
landlords will lie and tell you they are great so that you will take them, and
they won’t have to deal with them anymore. It’s best to go back to the landlord
prior to the current one, if possible. Remember that people are creatures of
habit. If they are slobs or slow payers… they
will continue to be.
If the prospective tenant checks out O.K. and you
don’t have any bad feelings or other concerns, call them and let them know the
good news- they’ve got a house!
Arrange a meeting for them to sign the lease agreement and pay the required up
front money.
Be careful not to call the security deposit the last
month’s rent, and do not make it equal to a months rent. If the monthly rent is
$1,000, make the security deposit $1,250 or so. The reason is that at the end
when they are going into their last month, you don’t want them to think that
they can just use the money they paid at the beginning. Make them pay the rent
for their last month at the beginning of that month as usual.
After they move out, if everything is alright, then
refund the security deposit. They will be a lot more careful and leave the
house in better condition if they know that their deposit is on the line.
If they are paying by check, never allow the
tenant to move in prior to making sure that it clears. If the check is drawn on
a local bank, go there and cash it. If the move-in date is within a day or so,
require them to give you cash, money order, or a cashier’s check.
This meeting is also the time to let the tenant know
what you expect of them, and what they can expect from you. You will avoid a
lot of potential problems if you spell everything out in the lease agreement.
Since the goal is to find long-term tenants, you
don’t want to accept anything shorter than a one year lease- longer if you can
get it. Every time a tenant moves out you have wear and tear on the house, a
vacancy, cleaning and repairs, and the hassle of finding another tenant.
The best tenants are the ones who stay for years
without ever causing you any problems. If you live in a cold weather state
where it may be difficult to find a tenant in December, January, or February,
don’t make the lease expire in these months. Run the lease for 14 or 16 months
if necessary, and explain why to the tenant.
Let the tenant know that you are serious about your
investments, and that you follow your policies strictly. As long as they follow the rules, the two of
you will have a good relationship. If they don’t, you will swiftly take action
to protect your investment. (Please note: Landlord-tenant laws vary widely
from area to area. Before implementing any rules, make sure that you are not
violating any local or state laws).
Be very clear that rent is due on the 1st of the month, and if it’s not
in your hands by the 5th
you will immediately start eviction proceedings. No matter how tempting, do not
ever accept partial rent payments, as you may have to start the entire eviction
process over, and it sets a bad precedent. There is a $20 per day late fee
after the 5th. There is a $30 charge for
a returned check, and once they bounce a check they must pay with money orders
or a cashier’s check from then on.
Do not allow them to sub-let the house. Put a limit
on how many people can occupy the house (i.e. 2 adults and 2 children). They
pay for any legal fees incurred in you having to go to court to enforce the
agreement. It is best not to allow pets, and put this in writing. If you do
allow them, state how many, what type, and get a bigger security deposit.
Smoking should not be allowed in the house – PERIOD!
It’s just not worth it. It
stinks up the house, turns the walls brown, soaks into everything, causes burn
holes on the carpet and burn marks on the counters and sinks… not to mention the
risk of burning the whole darn place down!
The tenant should be responsible for any repairs
under $50 or so. You don’t want the tenant to call you for every silly little
repair. On the other hand, don’t set this amount too high or the tenant will
simply ignore the necessary repairs and let the house slowly go downhill.
The tenant should be responsible for replacing the
heating/cooling system filters, maintaining the lawn and landscaping, snow
removal, etc. The tenant must notify you immediately of any major problems that
need repair.
Tell the tenant that any extra appliances like
refrigerators and washers and dryers are there only as a convenience, they are
strictly “AS-IS”, and you take no responsibility to repair or replace them.
The key to avoiding vacancy and related problems is
to have good, long term tenants. Try to get them attached to the house.
Encourage them to work on it. Offer to
supply the materials if they want to do some worthwhile improvements to the
place.
If you are paying for part of an improvement, never allow them to deduct it from the rent. Get
copies of the receipts, and then write them a separate check. This is much
better from a tax standpoint.
You can also tell them that when you are ready to
sell it, you will give them the first right to buy it. This would be good for
you because you would have no vacancies, real estate commissions, etc.
The goal is to create a psychological attachment
between the house and the tenant. The tenant will take much better care of the
house if they think it might be theirs someday. You should drive by the house
frequently, and go inside to check at least every 3-4 months.
Try to make fairness your guide in dealing with the
tenants. Enforce your rules strictly, but treat them with respect. Once they
know your position, they will be unlikely to break the rules, because they know
the consequences if they do.
You may want to reward good tenants by not raising
their rent, or giving them $50 or $100 off of their rent in December. Often the
little things can mean a lot.
When
And How Do I Sell The Houses?
This depends on your goals, the area, the market,
etc. Many people hold the houses until they double in value. Others hold them
until the mortgage is paid off. Still
others hold them for a specified period such as 7 or 10 years. Some investors
don’t sell at all unless the neighborhood peaks out and values start to go
down.
You would be smart to monitor values on a consistent
basis. This is not to say you should panic and sell every time there is a
little glitch in the market. But if the area has started going down while other
areas are going up, you may want to sell and do a 1031 tax free exchange into a
property that is appreciating better.
Some investors hold the properties until they are
free and clear (assuming the values are stable). They can then sell them by
taking a down payment and carrying the mortgage themselves. This can provide
them with a good, stable cash flow for many years.
How
Do I Get Started?
PROPERTIES
No big sales pitch, no pressure… just honest information.
If you are ready and we both feel like we can work
together- great! I will prepare a customized plan for you and we’ll get
started.
That’s it. The next move is up to you. I can’t help you
if I don’t hear from you!
When you are
ready, just CLICK
HERE and take a moment to answer a few qustiones.
Sincerely,
Keith Rossignol
CLICK HERE To Take Investor Survey
FIND OUT HOW MUCH WILL THE BANK LEND YOU!
Free loan qualifying & pre-approval
1545 S. Belcher Rd. Clearwater, Florida 33764
PHONE: (727) 465-4155 (FAX) 1-866-560-1688