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I would be happy to help - just set it up and we will do it.

Take care

Hard Money funding is often used to finance projects that are considered by most to be unconventional!

Most call it Creative Real Estate Investing!

The reality of it all is that Creative Real Estate Investing techniques is not creative at all as they are commonly used by professional and commercial investors!

Creative Real Estate Investing is a phrase or should I say a marketing ploy to appeal to the lay man.

Typically, "TRUE" hard moneylenders will lend based upon a percentage of the value of the property regardless of the sales price. They will typically close loans in a matter of days. Credit scores and income are often overlooked by hard moneylenders, but they may ask to see a business plan or exit strategy for the project.

They may ad points!

Typically, interest rates of 10 to 20% per year are common!

Many want an equitable interest. These will vary based on the size of the project and the agreed upon contract.

Hard moneylenders are collateral based and typically require first position on the property.

To boil it down "A hard-equity loan is flexible and quick. Because most hard-equity lenders are private individuals and not large multistate lenders, they have more flexibility. They can also close more quickly, usually in as few as one to three days. Moreover, most take a quick look at the real property. "

Hard money is not the only way to used "Creative Real Estate Investing" but can be a great source of funding for you to get the deal or you can use some of the other methods listed below:

No-doc and low-doc loans.
Seller-carried second mortgages.
Land contract. Called "contract for sale" or Owner finance.
Credit cards.
Retirement accounts.
Friends and family.
Note buyers.
Get a loan on other property.
Partnerships.

Just to name a few!

There are many creative hard-equity programs and techniques such as:

Low starting interest rate = Hard-equity loans have higher interest rates than conforming loans. A hard-equity loan, however, can have a lower starting interest rate for a certain period, from three months to five years. With a reduced payment for a time period, so you can catch up with other bills.

Long-term loans = Most hard-equity loans are made for five years. The monthly amortization period may be for 15 years or 30 years, or it may be interest-only. Hard-equity loans can also be for longer terms, such as 15, 20, 30 or 40 years with no balloon payments.

No payments for a time period = Sometimes you need a break from making monthly mortgage payments. This program may allow you not to have any payments for a number of days at the beginning of the mortgage. This can range from 60 days to the first year. Alternatively, you can have a provision that defers one or more monthly payments to the end of the mortgage. This allows you to use the money for other debts.

Tailored payments = Most mortgages allow for equal monthly payments for the entire mortgage. At maturity, the mortgage balance is zero or a balloon payment is required. Hard-equity mortgage payments can be tailored to satisfy your needs rather than the lender's matrix. If you have seasonal employment, then the payments can be larger during the "feast" period and smaller during the "famine" period.

Loans with a lump-sum payment = You may benefit from having one lump- sum payment at the end of the mortgage. Use this program if you are likely to receive a large sum of money in the future. On these loans, the interest accrues, and the accrued interest and the principal are due at maturity.

Second and third mortgages = Hard-equity loans can be a first, second or third mortgage. As long as the loan to value (LTV) and the superior mortgage to subordinate mortgage ratio.

Wrap mortgages = The benefit of a wrap mortgage is that underlying first mortgage is available when the wrap mortgage is satisfied. The advantage to lenders is that they are assured that the first mortgage will be paid. The interest yield on the transaction also can be enhanced.

Cross-collateralized loans = In many cases, the subject property does not have enough equity to support the proposed hard-equity loan. But you may have other real property to pledge as additional collateral. With the additional property, a hard-equity lender will close the loan because the collateral is adequate. Sometimes, assets other than real estate are acceptable.

Lines of credit = A hard-equity line of credit can be established more easily than a line of credit at a bank. The hard-equity line of credit can be used and repaid based on needs. It provides money that you can borrow and repay repeatedly under the terms of the mortgage. The interest on the mortgage would be payable monthly. The borrowing and repayments could continue until the mortgage matures.

Future advances = Often, a loan closes and you need more money soon after. Some costs can be eliminated if the first closing takes into account the possible need for additional money. The mortgage can provide for a future advance from the lender for an additional amount that is agreed to at closing.

Portable loans = When you sell a home, most generally buy a new home. Both homes probably have a mortgage. If the mortgage could be transferred from the old property to the new property, you can save time and money. A hard-equity lender may let you transfer the mortgage from the old property to the new property.

Combination mortgages = Hard-equity loans can be as creative as you can make them. A hard-equity loan may contain elements of two or more of the above techniques.

I suggest you read "HOW TO BE A SUCCESSFUL HARD MONEY BORROWER" Download your free copy at http://trice84.tripod.com/gifts/Jones0804.pdf

A great search tool for "Hard Money Loans" can be found at:
http://www.scotsmanguide.com/default.asp?ID=1223

Good luck on your success as a real estate investor!

John Michael

Projecting Major Disaster areas when investing

2006 may be a dangers time when investing in real estate so projecting your potential for disaster can be a great aid to your success.

History shows the following over the last 7 years

2006 has had 15 Disaster Declarations
2005 has had 48 Disaster Declarations
2004 has had 68 Disaster Declarations
2003 has had 56 Disaster Declarations
2002 has had 49 Disaster Declarations
2001 has had 45 Disaster Declarations
2000 has had 45 Disaster Declarations

This year is off and running with Major Disasters and we will be looking at severe Storms that will produce Tornadoes, Flooding Landslides, and Mudslides. Along the path we are and will be facing Severe Winter and Ice Storms and to top it off Extreme Wildfire Threats.

We have already seen this year with Jan producing 7 Major Disasters, Feb producing 3 Major Disasters, March producing 3 Major Disasters and April producing 2 Major Disasters. Based upon this data we are looking at a projection of over 50 Major Disasters to hit the US by the end of 2006

In addition, we are still recovering from fires in California, Colorado, New New Mexico, Oklahoma and Texas.

Yet, we are still going to have to deal with past Hurricane damage.

And we still face dry conditions in various parts of the United States that produce fires and we have yet to step into the Atlantic hurricane season that lasts from June to November, with the peak season from mid-August to late October.

On top of all this over 350 tornadoes have been recorded as of April and this could be one of the most active and deadly seasons in history

For more data see: http://www.spc.noaa.gov and To compare from 2005 to 2006 see: http://www.spc.noaa.gov/climo/online/monthly/index.html

As an investor we are tough to research property titles, market value and market trends but one major area that is left out is storm trends.

Why storm trends. Vary simple by projecting possible areas of Major Disasters you can determine areas of possible financial loss as an investor. When Major Disasters occur it creates fear and fear will cause folks to move this can be good or bad for your investments.

I use http://www.fema.gov as an aid site to determine areas to avoid for my future investments.

Let me give you an example:

State of Missouri research has showed me by looking at Fema's map service in regards to tornado's for example that I may want to exercise caution in the western and northern areas of Missouri. Now to take it even one step further I can review area's of great concern by researching Fema's web site for Major Disasters in 2000 and 2006 or even further if I wish. This data tells me to be concerned with the following counties in 2006:

Benton, Boone, Carroll, Cass, Cedar, Christian, Cooper, Greene, Henry, Hickory, Iron, Johnson, Lawrence, Lincoln, Mississippi, Monroe, Morgan, New Madrid, Newton, Perry, Pettis, Phelps, Putnam, Randolph, Scott, St. Clair, Ste. Genevieve, Saline Counties, Taney, Vernon, Webster, and Wright Counties

In 2004, the following counties showed concern:

Adair, Andrew, Bates, Benton, Buchanan, Caldwell, Carroll, Cass, Cedar, Chariton, Clay, Clinton, Daviess, DeKalb, Gentry, Grundy, Harrison, Henry, Hickory, Jackson, Johnson, Knox, Linn, Livingston, Macon, Mercer, Monroe, Nodaway, Platte, Polk, Randolph, Ray, Shelby, St. Clair, Sullivan, Vernon, and Worth Counties.

In 2003, the following counties showed concern:
Barry, Barton, Bates, Benton, Bollinger, Buchanan, Camden, Cape Cass, Cedar, Christian, Clay, Clinton, Cooper, Crawford, Dade, Dallas, Dent, Douglas, Franklin, Knox, Gasconade, Girardeau, Greene, Henry, Hickory, Iron, Jackson, Jasper, Jefferson, Johnson, Laclede, Lafayette, Lawrence, Marion, McDonald, Miller, Monroe, Morgan, Newton, Osage, Perry, Pettis, Phelps, Platte, Polk, Pulaski, Ray, Saint Francois, Saint Louis, Sainte Genevieve, Saline, Scott, St. Clair, Stoddard, Stone, Taney, Vernon, Washington and Webster Counties.

Now what I will be looking for is repeat counties over this time period.

Benton, Cass, Cedar, Henry, Hickory, Johnson, Monroe, St Clair, and Vernon counties all have a higher risk for Severe Storms that will produce Tornadoes and Flooding so what will I do in areas of concern?

I will evaluate my risk factors
Buy based upon my risk factor
Insure based upon my risk factor

Why would I want to do this?

To many move outs will cause property values to decline, underinsured properties in potential areas of Disaster could cause financial loss for investors and one big issue is supply and demand.

Supply and demand affects rehabbers and builders as material cost continue to rise as demand for materials increase.

Real estate investing is all about the numbers and your risk and you make the determine!

Keep one vary important statement in the back of your mind when investing "The Devil is In the Details".

Fear can become your biggest asset

Fear can be a draw back when seeking an education in real estate investing but you can turn this fear into one of your biggest assets.

How many times have you wanted to get into real estate, only to have that voice in your head say:

It won't work!
It's a scam!
It cost too much!
I can't afford it!
I can't do it!

Or even worse, you shared your dream to become an investor with others and they say:

It's a scam!
I tried it and it did not work!
That's silly!
You can't do that!

It all comes back to The “Haves” and The “Have-Nots”.

The “Haves” operate with:

Desire/Drive
Commitment/Dedication
Discipline
Education
Courage
Determination
Experience
Perseverance
Organization
Optimism

The “Have-Nots” operate with:

Fear of the Unknown
Procrastination
Lack of Education
Complacency
Poor Self Control
Fear of Success
World of Scarcity
Skepticism
Low Self-Esteem
Hopelessness

All of us at some point in life have listened to voices of caution when it comes to following dreams of success. If you and others around you question what you do and thing, and you veer away from making decisions you are simply stopping yourself from reaching your fullest potential as an investor.

You are allowing this self-doubt and doubt from others to squeeze out your creative energy and inspiration that will make you a success.

So what is stopping you from making that important decision in selecting a real estate education?

FEAR.

Fear is the greatest single barrier to success as a real estate investor. The emotion of fear is intended to warn us of danger and to act as a cautionary tool. It should make us stop and think before acting. Not to squeeze out your creative energy and inspiration that will make you a success.

What fear shouldn't do is dictate the course of action you take. It shouldn't control or shape whom you are or what you want to achieve as a real estate investor.

On a conscious or subconscious level, all of us have felt the impact of fear in our lives. Whether it is the fear of making a decision, the fear of failure, a fear of what other people will think, or the fear of success - the consequences are the same.

Fear leads you to stop trying new things. Your comfort zone pulls tight around you and is rarely pushed further out than it needs to be. You feel stale, lethargic and wonder what's missing in your life. Your creative energy is replaced with a survival instinct. On a subconscious level, you start to really believe that you aren't good enough, or that there's no way possible that you can achieve becoming a real estate investor. On a conscious level your body and mind responds to being fed negative statements.

So what are you afraid of?

What stops you from taking the next step forward that will keep you on the path of achieving your goals?

It's a low level of self-confidence and self-esteem that makes you feel unhappy about yourself. Because your thoughts are based on feelings of inadequacy, you set your boundaries and standards very low and achieve little in your life.

The emotion of fear is part of being human. It's perfectly normal to experience misgivings and doubts!

Fear will never go away no matter how self-confident or successful you are!

The key to overcoming fear is to feel good about yourself and think positively. Avoid negative people and then use that same energy that fear creates and turn it into positive energy in your life.

Only then can you turn indecision and fear into power and action.

You have simply to choices to make one is to live your life in the arena of The “Haves” or The “Have-Nots”.

Will you be a success? One will never know if you do not take the risk and seek out your dreams of becoming an investor.

Will you fail possibly so but with knowledge you can limit failure.

You now have two simple choices!

Choose education

Or

Choose not to educate! You simply make no change! Life goes on as is!

Now if your are ready to educate yourself go to:
http://www.biggerpockets.com/real-estate-investment-clubs.html

The first step is one will need to fill out an application and be approved.

When one invest the subject unit is rehabed and sold and profits are issued at that time.

John Michael

2006 Your year for success!

Do you want 2006 to be your year for success as a real estate investor?

It is my hope that you answered yes to the simple yet challenging question.

What does it take to be a success?

Let me share with you my thoughts on this and what I did to turn my financial life around from living pay day to pay day to living large and having fun in the process!

One most important factor to becoming a success in real estate is knowledge!

Many years ago I sat down and took an evaluation of my life and this is what I came up with:

I worked hard
I made money for my employers
I had nothing to show for my efforts but employer awards and a paycheck that kept me struggling to survive every week.

Taking this into account I asked myself why have I allowed myself to be in this trap and what can I do to turn this around in my favor?

So I set out to make myself a success in real estate by taking several steps as follows:

I took a class to teach me how to read faster at a local community college

I took classes on real estate such as;

Principals and Practices
Real Estate Contracts and Law
Escrow
Finance
Real Estate Math
Principles of Real Estate Appraisal
Real Estate Financing
Contract law

I went to the public library and read everything I could find about real estate investing since I had little funds available.

I started to purchase used books and cassette tapes on real estate investing from yard sales and used bookstores on real estate investing.

I did a few deals so I took some courses on real estate investing from:

AD Kessler - Al Lowry - Bill Bowen - Bill Bronchick - Bill Gatten - Carleton H. Sheets - Charles Givens - Claude Diamond - David Finkel - Ed Beckley - Ernie Kessler - I.G. Williams - J.P. Vaughan - John Adams - John Beck - John Behle - John Burley - John Locke - John Schaub - John Ulmer - JP Vaughn - Lance Young - Larry Burkett - Larry Holder - Larry Pino - Lonnie Scruggs - Robert G. Allen - Robert Irwin - Robert Kiyosaki - Robert Shemin - Ron LeGrand - Russ Whitney -Ted Thomas - Wade Cook - Wealth Builders - Just to name a few.

Ten's of thousands of dollars later I had so much knowledge that I thought my head would burst and on top of it all I was scared to death to step out and do what I had learned so I got another job and the living paycheck to paycheck continued until a dear friend asked me how long have I been stupid.

Yes he upset me greatly but he helped me pull my head out of the lower part of my body and I started to put action into what I've learned about real estate investing.

When it was all, said and done I turned my life around from living paycheck to paycheck to being worth millions!

So ask you're self-what are you willing to do to become a success.
How much time are you willing to spend to become a success?
What are you willing to give up to become a success?

When you do become a success what are you willing to do to keep your success?

I have found out the hard way in life that the more knowledge I acquire the stupider my competitor gets!

Life as a real estate investors has been good to me!

It allows me to provide for my family
It allows me to donate time and money
It allows me to help others

And best of all I no longer live paycheck to paycheck!

I see delayed gratification as a negative in this business and can be vary destructive! You will find this to be a tuff area simply because we are talking about your future spouse as in my own life I avoid negative people at all cost but when it comes to a family member you simply can not avoid them.

I would suggest the following as a guide to help you in this process!

One essential factor is to get specific when she is caught up in negative thinking and most will generalize statements so I would suggest having her to clarify what he means by asking questions.

Like one important question.

Why do you feel that way?

This will help you to shift a negative person from just making generalized or over reaction type statement to giving you more of a specific opinion so that you can better understand her point of view. I have found this does ease some negativity and any outburst!

Keep in mind to never downgrade her opinion and you do not have to agree with it but you can understand it.

Try not to control his opinions no matter how negative she may be but use your persuasion skills as an investor to share a more positive outlook!

When we stop trying to change people they will sense that you accept them, respect them and respect their opinions you will find that you will have a greater impact when you speak.

When we deal with negative people we have a habit to join in and this you do not have to! You must maintain a positive attitude. The best way to do this is to look for the positives in the situation, point them out to her, and use this as an opportunity to become a better negotiator.

Look at it as a training session to improve your persuasion and negotiating skills.

No matter how negative she may get, do not allow your self to be dragged down by negativity no matter how bad it gets.

Being positive is a matter of choice! You have to ask your self am I in control or do I let negativity control me?

Many of us enter the game of real estate investing with what I call a poverty mentality!

A poverty mentality is simply when one is focusing on what they do not have and in time this mentality can easily turn to greed!

I have preached for years that real estate investing is mostly made up of ones state of mind with a mix of knowledge, luck and hard work.

The game of real estate investing is both exciting, inspiring and frustrating.

Exciting because of the potential to make large somes of money that most of us desperately need!

Inspiring because normal people like you or me have built wealth by investing in real estate.

Frustrating because you have not made it to the level of success you are seeking simply because we are feed in this business by many teachers of how easy it is to make money in this business, how any one can do it, how property owners are willing to just give you their property and we could go on with this.

Many of us have read testimony after testimony of how thanks to ???? They now make tens of thousands of dollars every month, How thanks to ???? I am a millionaire, How wonderful it is to have money, and how easy it was to become a millionaire!

The truth of it all is the simple fact that the only easy part of real estate investing is how to loose money!

No education can make you a success, only you can make you a success!

You must get your mind in order, you must believe in "YOU", you must seek out that vehicle that will help drive you to success and most importantly you must study and study and study again everything you can about real estate investing.

I have been apart of 100's of real estate training seminars over my 20 plus years as a real estate investor and teacher and for me the most frustrating attitude to overcome with potential students is the "poverty mentality"!

You attend an introduction seminar to real estate investing or you are online researching and you read or see testimony after testimony of how someone learned so much from so and so that they are now a millionaire or making $1,000's of dollars every week.

So you get excited and you are ready to sign up!

Than comes the cost $50 for a book, $100's of dollars for a home study course or the big one $1,000's of dollars for a seminar or boot camp and your excitement just went out the door, you jump into the "poverty mentality" and say

The heck with that
It's a scam
If it's so great give it to me now and I will pay you later!
I need money to pay my bills
I can't afford that.
Why is it so expensive?
Can't I learn this stuff somewhere for free?

You can spend countless hours, days, months, years seeking after knowledge or you can spend time making money!

I have seen over the years 1,000's seeking after knowledge wasting countless hours, days, months, and years all but to fade away because of the "poverty mentality".

You simply have two ways you can invest in your business! You can invest time or your can invest money.

It doesn't take a rocket scientist to figure out that time simply takes longer.

What am I saying to you is simply loosen up the purse strings mixed with sound decision making when it comes to education.

So what price tag are you willing to place on your success? What would it be worth to you to become a success? What are you willing to do to become a success? What risk are you will to take?

The largest sector in America makes between $20,000 to $29,000 per year and our poverty level is at around $19,000 per year and this is what they are willing to spend each year on:

Eating out $1,483
Alcoholic Beverages $247
Tobacco $324
Entertainment $1,517

Let's see $3,571

However, the average person is only willing to spend $95 per year on education!

WOW what has more value eating out, alcoholic beverages, tobacco and entertainment or education?

You tell me what you value more! You see if you take a look at folks who make $70,000 plus per year they spend an average of $1,902 per year on education vs folks who make less than $30,000 per year spend $95 per year on education

Don't take my word for it see http://www.bls.gov/cex/csxann03.pdf

I wonder who is the smarter group?

This is why the rich get richer simply because they understand the value of education and time!

What do I know, I'm just a little guy building wealth one deal at a time!

THINK ABOUT IT!

Something is knocking at your door!

Will you open the door to success or provety!

Success all starts with the mind, if you can not convince your self in becoming a success, you will never be a success.

Ask your self a few simple questions!

How long have you wanted to be a real estate investor?
How long have you wanted to be a success financially?
What have you done to become a success?

Most will say years, most will say I took some courses, read some books, listen to tapes, joined groups and forums and we can go on and on with this.

Most make claims for their lack of success because I have no money, I have bad credit, no body will help me, you just don't understand my life and yes we could go on and on!

This is simply a self-destructive attitude! Success starts as a state of mind! When you believe in yourself others will believe in you and success follows!

Success is not safe ground, success comes to those who believe in what they want out of life and are willing to take the risk, to step out of the box, to avoid self doubt and negative people around them!

In 1975 Gary Dahl was sitting with a few friends in a bar having drinks. As happens in most cases the conversation jumped out of the box and they came up with an off-the-wall idea of a pet rock and all the things it was good for. Now talk about "Out of the box thinking". Gary spent a few weeks writing a systematic guide to having a happy relationship with your pet rock. He spent some more time by going to a builder's supply store seeking after his little pet rock and yes he found the perfect rounded gray pebble that sold for a penny.

In August of 1975 his pet rock was introduced at a gift show and this totally insane ideal exploded to the point that he sold A million rocks for $3.95 apiece in just a few months, and Gary Dahl had become an instant millionaire in just a matter of months, not years, less than 6 months!

So what are you willing to do to become a success?

Gary Dahl had a dream, he believed in his dream and most importantly, he put action to his dream.

You need to know what is limiting your success! And with most, it is simply self-doubt!

Self-doubt says

I can't be
I can't do
I'm not good enough
I'm not smart enough.
There's not enough time
It's too hard

You have to get to the root of what is stopping your success, it's not what you can see that is stopping your success, it's what you can not see, and it's within!

Steps to mind success

1. This is the time to be honest with your self and write down the beliefs that are keep you from
becoming a success.

2. Now you need to take a look at your list and ask your self why can I not be, why can I not do, why am I not good enough, why am I not smart enough, why do I not have enough time and why is it to hard?

3. Ask yourself why do I believe this way?

4. Is this belief legitimate?

5. Is this belief helping you or limiting you?

If you will be honest with your self and you can be! When we become honest with ourselves we will not hesitate to acknowledge our fears and you will discover what is holding you back!

Now take

I can't be
I can't do
I'm not good enough
I'm not smart enough.
There's not enough time
It's too hard

Or what ever your fears are and rewrite them with a confident attitude

I can be what I want to be
I can do anything I want to do if only I believe
I am good enough
I am smart enough.
I have the time

Work on this daily, read your can do's daily, post them on the bathroom mirror, the refrigerator, in your car just simply do what it takes to become a success.

Never give in to self-doubt! Never give in to negative people! Never give up on your dream!

Stand up for who you are and what you can be!

Set your mind for success and you will discover your unlimited potential!

Now take that little paper of self doubt, negative thoughts and fears that have been holding you back and get your self a small can and place that little piece of paper in that can and light that paper on fire as you watch the fire and smoke you will be watching self doubt, negative thoughts and fears simply go up in smoke!

Do this little exercise each and every time and soon you will become the successful real estate investor you want to become.

You will profit greatly from real estate investing if you take action and share this with your family and friends. Any problems please let me know immediately.

Good luck,

John Michael

This can be vary frustating for most investors simply because of "FEAR".

"FEAR" has been the most prevalent factor in life that has kept many investors from being successful.
"FEAR" of the unknown!
"FEAR" of rejection!
"FEAR" of doors being slammed!
"FEAR" of what your customer may say!

Take the "FEAR" of success quiz at:
http://www.fortune.com/fortune/quizzes/careers/fearsuccess_quiz.html

Many investors believe that successful investors are simply in the right place, at the right time and their is some truth to this but the fact remains to be a success in this game one needs the proper mix of:

Luck + knowledge + compassion + skill = success

Getting your foot in the door of a foreclosure prospect reaches beyond what most of us have been taught in seminars, books and tapes. It boils down to an attitude, a state of mind, emotion and a person of action.

It takes courage, creativity and consistency to walk up to someone's front door and knock!

Courage is simply the ability to acknowledge one's fear and to simply do or should I say walk past the fear and become a person of action.

The “Have-Nots”: What fear has to offer!

Fear of the Unknown
Procrastination
Lack of Education
Complacency
Poor Self Control
Fear of Success
World of Scarcity
Skepticism
Low self-esteem
Hopelessness

The “Haves”: Overcoming fear offers!

Desire/Drive
Commitment/Dedication
Discipline
Education
Courage
Determination
Experience
Perseverance
Organization
Optimism

Your most powerful weapon against fear is to simply take action. Action is "Knowledge" with knowledge of foreclosure and the foreclosure process along with the understanding how foreclosure will affect your customers future you will gain a greater understanding of your customers needs and situation.

Your next step in this is "Creativity" this is an art, a skill or as some put it "Quick on your toes". Getting your foot in the door of a preforeclosed homeowner is all about trusting your creativity. Most successful investors trust their intuition, that inner knowing or that small still voice to lead them through the door of the unknown.

You must be willing to explore the unknown, you must be willing to face rejection, doors being slammed, what the customer may say to you and when you become a person of action the magic of a doer takes over and success will be knocking at your door.

Success is often the result of tiny little actions. It's called "Consistency" consistency is simply the result of taking actions on a daily basis of putting together your list of potential customers, by getting in your car, by driving neighborhoods of potential deals and most importantly getting out of your car and knocking on ones door and offering your services!

When you have all the above in place you will have more opportunity to be creative and walk in courage!

The art of the deal is not profit, but knowing you provide a service that provides help a way out for the homeowner that is facing foreclosure.

When your focus is off profit and on providing help to homeowners profit will come!