Short Sales

ShortSales –MAKING MONEY ON FORECLOSURE DEALS

WITH NO EQUITY

By Peter Contiand David Finkel

Excerpted from:

“Making Big Money Investing in Foreclosures without Cash or Credit”

By Peter Conti & David Finkel

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This publication is designed to provide accurate and authoritative information in regardto the subject matter covered. It is provided with the understanding that the publisher isnot engaged in rendering legal, accounting, or other professional service. If legal adviceor other expert assistance is required, the services of a competent professional should besought.

© 2003 by Dearborn Financial Publishing, Inc.

Published by Dearborn Trade PublishingA Kaplan Professional Company

All rights reserved. The text of this publication, or any part thereof, may not be reproduced in any manner whatsoever without written permission.

Printed in the United States of America

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Library of Congress Cataloging-in-Publication Data

Conti, Peter.Making big money investing in foreclosures without cash or credit /

Peter Conti and David Finkel.p. cm.

Includes index.ISBN 0-7931-7365-5 (7.25 • 9 paperback)1. Real estate investment—United States. 2. Foreclosure—United States.

3. House buying—United States. 4. Real property—United States.I. Finkel, David. II. Title.HD255.C62 2003332.63'24—dc21

2003010611

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3 / 12 Ways to Structure Deals without Cash or Credit 49

Short Sales: Making Big Money on Houses with Little or No Equity

When you are investing in foreclosures, you’ll likely run into

sellers who have little or no equity in their properties. You might

think that if they have no equity, you can’t help them. In fact, when

most investors look at a deal in which the property has no equity

and the existing financing payments are too high to cover by put-

ting a tenant into the property (which rules out buying subject to

the existing financing), they pass on the deal because they don’t

see any way to structure it and still make a conservative profit for

their time, effort, and risk.

But there is a way—called a short sale—that lets you to take

many of these no-equity deals and turn a fair, fast, and healthy profit

on them. In a short sale, you negotiate with lenders to take less than

what they’re owed as full payment on a loan. For example, a lender

has a $200,000 first mortgage on a house in foreclosure and is will-

ing to accept $147,000 as full payment on the loan.

Why would lenders take less than they’re owed? It’s because of

all the real costs they face when they’re forced to foreclose on a

property. First, a lender may lose money when it forecloses on a

house. Foreclosure costs include attorney’s fees, staff time, court or

legal process fees, plus the huge discount that auctioned properties

sell at.

Next, a lender may know the house’s condition has severely

deteriorated since the time it made the original loan, so the prop-

erty may be financed over the “as is” value.

Finally, lenders face strict federal regulations regarding the

ratio of bad loans they have on their books and the amount of

money that must be kept in liquid reserves to balance this. With all

these painful consequences of having to foreclose, it’s no surprise

that many lenders are willing to take a short sale to quickly solve an

otherwise drawn-out process.

50 Making Big Money Investing in Foreclosures without Cash or Credit

■ Peter’s Story

Cheryl, one of the real estate coaches in our Mentorship program,

received a call from a motivated seller in response to a postcard

and f lyer she had mailed him. The seller had spent $15,000

rehabbing the house, which he did all wrong. Then his wife got

laid off from her job and they were losing the house to foreclosure.

The house was worth $120,000 and had two mortgages on it—a

first for $75,000 and a second for $8,000. The seller agreed to sell

it to Cheryl for $50,000 provided she could get his two lenders to

accept a short sale in that total amount. She contacted the lenders

and sent them the ugly photos of the property, her repair list

and bids, the low comps for the house, and the seller’s financial

information. They had their Realtor come out and do a broker’s

price opinion (BPO).

When the negotiations with the lenders were over, the first

mortgage holder accepted a short sale in the amount of $49,000

and the second mortgage holder accepted a short sale in the

amount of $5,000. Both lenders made their acceptance of her

short sale offer contingent on Cheryl getting them their money

within 21 days. She immediately got on the phone to three private

lenders she worked with and borrowed the money to buy the

property and make the needed repairs. Cheryl refinanced the

property and pulled $20,000 out of it. She currently has the house

on the market to sell it on a rent-to-own basis for $140,000. ■

Best Situations for Short Sales

Here is a list of the most common situations in which short

sales are appropriate. Note: The loan(s) must be in default or the

lender(s) will not accept a short sale.

• Situations in which the property in foreclosure is financed

so high that the lender stands to lose a significant amount of

money if the house goes to auction.

‘‘


• Situations in which the physical condition of the property

has deteriorated so badly that only an investor would buy it

at an auction and command a steep discount in price before

bidding on it.

• Situations in which a large second mortgage is at risk

because the first mortgage holder is foreclosing, allowing

you to negotiate a short sale on the second mortgage.

• Situations in which your networking contacts tell you a spe-

cific lender has too many “nonperforming assets” on the

books (i.e., too many bad loans) and you find a foreclosure

property with a lien owed to this lender.

• Situations in which there’s a mortgage from a private party

(e.g., a seller-financed note) who would be willing to take a

significant discount in the amount owed just to end the emo-

tional nightmare of the foreclosure.

• Situations in which the seller has some other type of lien or

private debt that’s in danger of either being wiped out by

the impending foreclosure or going unpaid because of the

seller’s financial distress.

Next, let’s look at the specific steps to close a short sale.

Six Steps to Close a Short Sale

Step One: Lock Up the Property under Contract

Your first step in any short sale (indeed, your first step in any

real estate deal) is to identify and meet with a motivated seller to

lock up the property under contract before you spend time work-

ing with a lender to accept a short sale. If you need the short sale to

make the deal profitable for you, make sure you insert a clause in

your purchase contract with the seller specifically stating your

agreement is contingent on the lender accepting a short sale. That

way, you can build in enough profit in the deal to make it worth

your time.


Here’s what the legalese version of this clause reads like:

This agreement is subject to Buyer negotiating a short

sale with the existing lien holders that will allow Buyer to

pay no more than $_____ [the purchase price you are willing

to pay which is less than the total owed] total for the property.

Seller acknowledges that he or she shall get NONE of the pro-

ceeds from the sale of this property other than the original

deposit of $1. [This final sentence is important because lend-

ers will not accept a short sale if the borrower is making any

profit from the sale.]

Step Two: Get Written Permission to Discuss the Loan with the Lender

Lenders won’t talk with third parties unless the borrower

(property owner) has signed a document expressly authorizing the

lender to discuss the matter. The Authorization to Release Informa-

tion (see Figure 3.4) should be faxed over to the lender as soon as

possible. Typically, it takes a few days to get the authorization to dis-

cuss the loan into the lender’s computer system.

Step Three: Call Lender to Open Negotiations

When you call up the seller’s lender, ask to speak with the Loss

Mitigation Department, which is the name of the department that

deals with houses in foreclosure or preforeclosure. Be sure to reach

someone who has the expertise and authority to help you.

Here’s a sample script of your first call to the lender:

Investor: Is this the Loss Mitigation Department?

Lender: Yes, it is.

Investor: Great, then this is the department that handles

short sales?


Lender: Yes, we do. May I help you?

Investor: I hope so. My name is Peter. Who am I talking

with?

Lender: Liz, I’m the department administrator.

Investor: I’m very glad to meet you, Liz. I was hoping you

could help me with a small matter. What needs to happen for

your company to accept a short sale on a defaulted loan?

Listen carefully as the lender tells you the specific criteria

you’ll need to meet before this lender will accept a short sale. Each

FIGURE 3.4 Sample Authorization to Release Information Form

AUTHORIZATION TO RELEASE INFORMATION

Authorization dated ______________________________________________________________________________

Borrower: _______________________________________________________________________________________

Property: _______________________________________________________________________________________

Regarding loan number: _____________________________________________________________________

To: __________________________________________________________________________________________(Lender’s Name)

__________________________________________________________________________________________(Lender’s Address)

__________________________________________________________________________________________(Lender’s City, State, Zip)

__________________________________________________________________________________________(Lender’s Phone Number)

I (We) hereby authorize you to release information regarding the above referenced loans to ___________________________________________________________________ (Authorized Party) and/or agents/assigns. This autho-rization or a copy of it may be sent via facsimile transmission and be fully valid and binding. This authorization is acontinuing authorization for said persons or company to receive information about my (our) loan including dupli-cates of any notices sent to me (us) regarding my (our) loan. In addition I (we) hereby authorize you to discuss anyaspect of our loan with Authorized Party.

_________________________________________ ______________________ ___________________________Borrower Date of Birth Social Security Number


lender requires a slightly different process before accepting a short

sale. Some require the borrower to go to a credit counselor first

before they’ll even discuss a short sale. Others require you send

them a written proposal and signed contract with a seller before

they’ll discuss a short sale. Still others will let you negotiate the

short sale right over the telephone, provided you have faxed your

Authorization to Release Information. Be sure to play by the

lender’s rules. In fact, many lenders will fax or mail you a written

outline of their specific guidelines for a short sale if you ask them.

Six Tips When Working with Lenders on a Short Sale

While every lender follows different procedures, these power-

ful tips will help you successfully negotiate a short sale:

1. Keep a detailed log of all the calls and letters listing the date,

time, who you spoke with, what you discussed, and any

important details you’ll need later. You will always be in a

stronger negotiating position if you can reference the exact

history of your conversations with a lender.

2. Make sure you’re dealing with the real lender and not a

“loan-servicing” company.

3. Be sure you’re negotiating with the person who has the

authority to say yes. Ask if that person is able to accept the

short sale or if someone else will have to make that deci-

sion.

4. Respond to all the lender’s calls and letters. Lenders in this

department are used to working with borrowers who hide

and ignore their correspondence. You can build a really

strong relationship from which to negotiate a winning deal

by consistently communicating with the lenders.


5. Gently remind lenders of their real costs to foreclose on

properties. The best way is by asking questions to draw out

what hassles and expenses they face if they have to fore-

close, take the property back, and resell it. (See the sample

script later in this chapter.)

6. As a last resort, hint at or openly discuss the “BIG B”—bank-

ruptcy. When the lender learns that the borrower might be

forced to declare bankruptcy if you can’t work out a short

sale, the lender just might have a change of heart.

Step Four: Send In Your Short-Sale Packet

If you need to send something in writing to the lender as part

of your negotiation of the short sale, take the time to turn the

packet into a tool to help you get a great deal. Here are the pieces

to your successful short-sale packet:

• Cover letter. This letter gives the overview of what’s

included in the packet and why you are sending it. Highlight

the condition of the house (if it’s in bad shape), the seller’s

treatment of the house (if it looks like the seller has stopped

caring for the house), and the slow market for this type of

property (if it’s a slow market in your area for this type of

home). Also emphasize how your offer will provide a quick

solution, allowing the lender to get cashed out in 30 days (or

faster if possible). Finally, emphasize the real costs to the

lender of having to go through the cumbersome and expen-

sive foreclosure process.

• Purchase agreement. This is the contract that says the seller

agrees to sell you the property subject to the lender accept-

ing a short sale on the amount owed. Be sure that this agree-

ment specifically states the seller will receive no money

from the sale. Lenders will not accept a short sale if the

seller is making any money.


• Low comparables. Include some printed statements of what

other comparable homes are selling for. Obviously, you’ll

select the low comparables, not the high ones. If there aren’t

any low comparables, skip this item.

• List of repairs needed and high-grade bids. This list of

repairs should be as extensive as possible and include the

highest authentic bids you can get to have repair work done.

Total this list and bring the message home to the lender that

the property is in rough shape.

• Ugly photos. Take the ugliest photos of the property you can

get and include enlarged copies of these photos. This helps

the lender “get” the facts of your list of repairs in an emo-

tional way. If the house is in great shape, which is rare with

foreclosures but it does happen, skip the photos and list of

repairs.

• Credibility factors (use only if they will help build your

case). If you’ve done short sales before, include reference

letters from lenders and past homeowners. If you have good

credit or lots of cash, send proof of this to support your abil-

ity to perform on your offer should the lender accept. Exam-

ples include preapproval letters from other lenders for the

short-sale amount, financial statements, and credit reports.

• Hardship letter from the seller. This letter should be either

in the seller’s own handwriting or on her stationery. The

seller must explain why she can’t afford the loan anymore

and all the tough situations she’s experiencing. You may

have to help coach your seller to write an effective letter.

• Net sheet (HUD-1). This is the draft of the settlement state-

ment that shows the lender the exact money to be received

from the closing if your short-sale proposal is accepted.

• Financial information on seller. The lender often wants to

see the real financial condition of the seller. This means you’ll

need to include copies of the seller’s prior two years’ tax re-

turns, W-2s, a financial statement, etc. The lender wants to

make sure the seller clearly can’t afford to pay the loan.


• Your offer to lender. Finally, include your formal short-sale

offer to the lender. Be sure to state your offer is available for

a limited duration of time and explain why you feel you can

only offer this amount of money and still conservatively

make a profit.

Three Criteria of Irresistible Short-Sale Offers

1. Fast and sure closing—their most important criterion. No

60- or 90-day escrows; they want to finish the deal in 30 days

or less.

■ David’s Story

Not long ago, my mom and stepdad negotiated their first short sale.

The house right next to the one they live in had been empty for

more than a year. There had been a big fire and the house was only

partially fixed up. After several weeks of trying to find the right

people to even make their offer to, my mom and stepdad found the

woman who had inherited the property after the old owners had

died. This new owner lived quite a distance from the property.

Two more months of legwork and my mom finally got the loss

mitigation department on the phone. The house had a loan on it for

approximately $120,000. The lender agreed to a short sale in the

amount of $87,000. There was one catch: the lender said it

would need that money within seven days—which they did! They

rehabbed it and moved into it. Soon after, they decided to sell

the old house they owned right next door. The moral to the story

isn’t that if my mom can do a short sale, you can too (although it

could be). The bottom line is that you’ll need to be ready to

close fast; the lender just wants to get the deal over with. ■

‘‘


2. Cash only! Lenders won’t finance a short sale for you.

3. No contingencies. Lenders will be leery of short-sale offers

that have so many weasel clauses, they look like Swiss

cheese. One easy way around this is to use a liquidated

damages clause to give you a pain-free, covert way to walk

from the deal i f worst came to worst. (In Making Big

Money Investing in Real Estate, we discussed liquidated

damages clauses on pages 95–96 and 147–49.)

Step Five: Follow Up with Lender on the Phone

Once you have delivered your short-sale packet to the lender,

don’t sit back and wait for the lender to call you. Take the initiative

to politely but doggedly follow up on your offer. Use each call as a

chance to build rapport with the people in the lender’s office and

prod the deal one step closer to completion.

Once the lender accepts your offer, move to step six.

If your offer gets turned down, this is a great chance to negoti-

ate a deal. But before you rush in with a higher offer, pose the fol-

lowing question:

I understand that our offer just wasn’t a fit for you.

You’ve all been so nice about the whole thing that even if I

can’t get my partner to offer more, I want you to know how

much I appreciate your help and professionalism. Just so I

can talk with my partner about this, what’s the minimum

our offer would have to be for your company to even con-

sider it?

Insider Secret: Never raise the amount of money you’ve

offered until the other side has given you a counteroffer.

This allows you to take whatever the lender says as a coun-

teroffer and use that as an entry point to negotiate a lower

price. While you might not be able to get the lender to give

you a definite number the decision makers would accept,

A B O U T T H E A U T H O R S

Ex-Olympic level athlete turned real estate multi-millionaire David Finkel and Ex-automechanic turned real estate multi-millionaire, Peter Conti are two of the nation’s leadingreal estate experts. Over the past 10 years their more than 100,000 students have liter-ally bought and sold over $1 billion of real estate.

Finkel and Conti have co-authored 15 real estate courses together and three other realestate bestsellers, including the Wall Street Journal and Business Week bestseller,Making Big Money Investing in Foreclosures Without Cash or Credit! Both their last twobooks were selected as amongst the top ten real estate books of the year by syndicatedreal estate columnist Robert Bruss. Their first book, How to Create Multiple Streams of Income Buying Homes In Nice Areas With Nothing Down, was selected as one of theall-time top three investing books by the American Real Estate Investors Association.Their last book, Buying Real Estate Without Cash or Credit, was an instant best sellerupon its release!

Their company, Mentor Financial Group, LLC, has been helping new investors get on thereal estate fast-track and build a profitable real estate investing business so that theycan enjoy the time and freedom they deserve. Over the past decade the 5,000 gradu-ates of the Mentorship Program have gone on to buy thousands of properties across theUnited States and in the process gain financial freedom and security.

Finkel and Conti are the co-hosts of the nationally broadcast, Real Estate Radio Show,one of the most popular investing shows of all time. Their how-to investor articles havebeen featured in over 4,000 newspapers and periodicals across the country including the Wall Street Journal Online and Miami Herald.

Finkel and Conti have had their hands in thousands of real estate deals and are both still active investors with investment companies that buy residential and commercial real estate across the United States.

Each year thousands of investors attend their Real Estate Success Conferences. To findout more about these powerful investor events or Mentor Financial Group, simply visit thecompany website www.resultsnow.com.

Peter Conti David Finkel

Appendix A

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What causes these different results? It’s simple. Some of our students have made it a point to mas-ter how to find consistent sources of motivated sellers and hungry buyers other investors don’tknow about.

In this section, you are going to learn the essential skill of creating a steady stream of new dealsflowing into your real estate business. In fact, after studying this section, you’ll have so many newways of finding motivated sellers that you might just be calling us up (like one of our students didrecently) and asking us if it is possible to be doing too many deals at once! (Now isn’t that a prob-lem you’d love to have!)

MasterSkill Five: Developing the Confidence and Knowledge To Evaluate the Risks andRewards of New Deals—Fast!Have you ever met with a seller and wondered if you should be buying their house or not? There youare, the seller is ready to sign the deal, and you are wondering if it is a sound decision to do the deal.

After learning from this intensive section, you’ll never be left wondering that again. You’re going tolearn the four criteria of all good deals. And, more importantly, you are going to master the skill ofmeasuring all new deals up to these four critical criteria and making only smart choices.

MasterSkill Six: Maximizing Your Profits From Your Properties by Increasing Your Up-FrontIncome, Monthly Streams of Cash-flow, and Long Term ProfitOne of the biggest differences we have observed between the most successful investors and thosewho struggle is what they do with properties after they buy or take control of them. The averageinvestor struggles to find an end user for the property, and as a direct result of this, he is often putinto a tough financial position. This forces him to sell or lease the property from a motivated posi-tion and this spells trouble with a capital “T” for him.

In this section you’ll learn:• How you can turn your properties into hands-off, passive investments that create monthly

streams of income for you.

• A little-known question to ask your buyer to get them to put up to 50% more money down onyour property.

• Three steps you need to take to qualify potential buyers on the phone to save you time and money.

The one criteria that MUST be met before you ever pass over control of your property to someoneelse. (If you don’t follow this critical rule then you’re flirting with disaster. We know! We’ve learnedthis one the hard way!)

Learn from our experiences and make sure you safely and intelligently transform your investmentsinto multiple streams of passive income.

MasterSkill Seven: Learning and Mastering New Investment Strategies and Skills on anOngoing BasisThe most successful investors we know NEVER stop investing in their own capacity to makemoney. This means that they are constantly reading books, listening to tapes, attending seminars,and working with mentors to increase their knowledge of how to make money in real estate.

Experience is the only way you’ll ever learn. It’s only a question of whether or not it will be yourexperience or someone else’s.

Now, for the first time ever, you’ll hear about our five biggest investment mistakes, and how youcan avoid ever making them yourself. All totaled these mistakes put close to $1,000,000 of ourmoney at risk!

In the past, we have never shared these costly mistakes — they’re not fun to think about. But weknow that our experiences can save you from making these same painful mistakes. So we’ve decidedto tell it like it is, letting you learn from our blunders, and saving you thousands of dollars and atremendous amount of stress and worry.

Are you committed to taking your real estate investing to the next level of success?This is your chance to do it. Imagine analyzing and modeling how our top students have becometremendously successful and how you can too. We’ve compressed years of other people’s experienceinto this intensive home study course so that you’ll have the concrete tools and strategies you needto make money investing in real estate.

Your Course Comes COMPLETE With:• Twelve (12) Audio Cassettes

• 200+ page manual

• Phone Scripts and Sample Marketing Materials

Catalog Number: 007 The Seven MasterSkills of Highly Successful Investors

Your Investment: $297


The Inner Secrets Quick-Start Action Pack!When they first started teaching, Peter Conti and David Finkel led a band of three beginninginvestors to San Diego, California to make good on their challenge to the press. Not only did theymeet their goal of $250,000 for each student—they doubled it! That’s right, they locked up over$1.5 million worth of real estate—ten separate properties—with only $37 down!

Here’s your chance to learn exactly how they did it—and how you can too! Right now, you havethe special opportunity to order the Quick-Start Action Pack. With your action pack, you’ll get thetwo audio cassettes: How to Buy Homes In Nice Areas With Nothing Down! and How to FindMotivated Sellers From the Comfort of Your Home.

You’ll also get a 71 page, detailed manual bursting with hidden shortcuts and insider investmentsecrets that took them years to learn (and are guaranteed to make you thousands of dollars!)

In this intensive course, you’ll learn the most powerful nothing down strategy in existence. Andyou’ll learn the specific techniques to put this strategy to work for you—creating “hands off ” resid-ual streams of income for you!

You’ll learn:• Five Fun, Easy Ways to Earn Up to an Extra $100,000 This Year Investing in Real Estate!

• How to Enjoy All the Benefits of Owning Property without Any of the Risks or Hassles!

• Wealth Without Risk: How to Build a Million Dollar Net Worth in Three Years or Less—Working From Home!

• How to Use Lease-Options in a New Way to Make More Money With Less Effort!

Plus, as a reward for studying this course, you’ll get the following three free bonus items:

Bonus #1: Free Video—The 12 Keys to Negotiate Your Way to Anything You Want• How to avoid the biggest mistake most negotiators make (it’s costing you thousands on every

deal!)

• A little-known technique to get the other side to mention all the numbers first—every time!

• The key to understanding how much power you actually have in a negotiation! (and much,much more!)

Bonus #2: Free Audio Tape—21 Powerful Secrets for Finding Motivated Sellers• How to create money-making relationships with real estate professionals (so they send you deal

after deal!)

• Over 21 different ways for you to find motivated sellers! (and what to ask them when you dofind them!)

Bonus #3: FREE 3-Week Tele-Class• How to buy your first (or next) investment property in 90 days or less!

• How a newlywed made over $22,000 in locked-in profits on her very first deal (and how youcan too!)

• How a retired minister made over $19,000 in locked-in profits on his very first deal (and howyou can too!)

Attend these three intensive 60 minute classes from your home over the telephone. This is your

chance to pick the brain of one of the nation’s top real estate experts! You’ll learn the inside secretsand real world strategies you need to take your real estate investment success to the next level andhow to put the Inner Secrets Action Pack to work making you money!

Catalog Number: 008 Quick-Start Action Pack

Your Investment: $99 (Including all three bonus items)

To Order: See Success Library Order FormOr Call 1-800-952-9585 ext. 825

The Protégé ProgramFor the first time ever, the entire buying real estate without cash or credit sys-tem is available in a powerful home study course called the Protégé Program!What if you knew how to buy millions of dollars of property with nothing down? How muchwould this be worth to you?

For the first time ever, you can “test-drive” our break-through real estate system to do just that. Andif you’re not convinced the system is worth every penny you invested, then it is totally free!

Learn How to Buy Homes In Nice Areas With Nothing Down!It’s called buying real estate without cash or credit. This powerful new system harnesses the old waysof making money with real estate like “lease-options” and “owner carry financing” and transformsthem into a breakthrough new system where your profits are multiplied and your efforts are leveraged.

Whether you’re a first time investor who needs to learn from the ground up or you’re an experi-enced hand simply looking for a few more ideas to supercharge your investing, this system is exactlywhat you need to take your investing to the next level.

You don’t need thousands of dollars or perfect credit either! This system will teach you to startwhere you are and with what you have, and in 90 days or less you can be on the road to wealth.

This system not only gives you the big picture, but more importantly, it reveals the critical detailsthat let you put all of this money-making knowledge into use creating the life of your dreams.

Here’s what just a few other investors have to say about the program:“Using the ideas and contracts you covered in your course, I did five deals during my first 18 monthsinvesting and made over $100,000 in locked in profits! Your course is great and I highly recommend it.”– John Jamison, CA

“You made it all very simple for me to understand and apply. I’ve picked up 15 houses now and haveturned a part-time business into huge nest egg for retirement. Please feel free to tell anyone who isthinking about getting any of your materials that I think they were the best money I ever spent (con-sidering I’ve made over $250,000 in locked in profits back, that is quite an understatement!)”– Cheryl Hastings, OR

“I am a full-time real estate investor and I’ve been doing in-home selling for 20+ years. I thought Iwas effective, but the “Instant Offer System” is way beyond what I was doing. It has probably dou-bled if not tripled my success rate.”– Frank Smoot, MD

“We have just about every investing course out there in our library and your four courses are amongthe best. On just the first two deals we did after getting your courses, we made over $75,000. Weespecially like your cutting-edge approach to negotiating. No one else out there has your finesse inscripting presentations and handling objections.”– Mark Fissore & Trish Talbot, CA

“Since I had no background in real estate investing, it was truly a dream come true for me to be ableto buy my first investment home at 35% below market value with no money down…Your simplestep-by-step instructions allowed me to do it. I highly recommend your course to other investors. I’mthrilled with the value.”– Neil Vermillion, OH

“My tenant buyer is about to close on the house from my first deal... my net is $85,000… Please feelfree to use me as a reference for your programs any time, in any way, shape, or form you deem helpful.”– Mark Hardcastle, CO

“I’ve tried all the well-known real estate courses. I feel I wasted a lot of time and money with the oth-ers. Your course is very down to earth, practical, and provides realistic, profitable objectives that any-one can achieve. I signed my first deal using the techniques taught. The first deal provided $5,000 upfront money and $34,000 in locked in profits on a three-year lease purchase. What a great feeling itwas when my wife and I left our tenant-buyers in their new home. I highly recommend this course.”– John Pena, WA

“I only invest part-time. I use it to fund my other passions. Using your system, I was able to net over$100,000 in my first three years investing. Not bad, considering I only worked an average of 7-10hours per week!”– Will Limon, CO

The system includes over 1,050 pages of money-making ideas in five separate manuals along with36 hours of audio workshops!

Let’s take a quick tour of exactly what you’ll learn from this breakthrough home study course that isdivided into five separate sections…

Part I: How to Create Multiple Streams of Income Buying Homes In Nice Areas WithNothing DownThis is the comprehensive course overview. In this concentrated section, you’ll learn how to find,structure, and close money-making Purchase Option deals.

You’ll learn:• The most powerful nothing-down strategies in existence!

• How to create growing streams of monthly cash-flow from your properties!

• The four pitfalls to traditional investing and how you can safely sidestep them!

• Five fun, easy ways to earn up to an extra $100,000 this year investing in real estate!

• The simplest source of instant funding for your properties!

• How to turn deals into quick-cash—In 60 days or less!

• How to get “financing” for your properties without ever having to talk with a banker!

• How to set up your deals so that you increase your up-front profits, create monthly streams ofcash-flow, and build in big “back-end” profits!

• Seven ways you get paid from Purchase Option deals (and why most investors overlook two ofthem, leaving thousands of dollars on the table.)

• The real secret of nothing down deals

• How to sidestep the landlord trap

• How to create multiple streams of income

• The seven most common mistakes investors make (and how to avoid them)

• 17 Case studies to help you see exactly how to structure money-making deals

• And much more…

Part II: How to Find Motivated SellersThe critical key to unlocking hundreds of thousands of dollars from real estate is finding a “moti-vated seller.”

When you find a motivated seller, not only will you make a lot of money, but more importantlyyou will feel good about being able to help solve his problems. In all you’ll learn 63 different waysto find motivated sellers!

You’ll learn:• The five fastest ways to find your first deal!

• The one question you MUST ask sellers before you ever meet with them—or you’re wastingyour time!

• How to create a steady stream of new deals flowing into your real estate business!

• How to turn your biggest competitor into one of your best sources of new deals!

• How to find landlords who are desperate to sell you their rental property for nothing down!

• Nine little-known sources for finding motivated sellers and how you can tap into each of them!

• How to set up money-making relationships with Realtors—and five ways to turn these rela-tionships into paydays for you!

• The single biggest mistake you can make when talking with a Realtor (and how to avoid it!)

• 15 ways to get other people to bring you profitable deals!

• How to leverage your time to find more deals faster!

• How to get sellers to call you—begging you to buy their property!

• The four magic words that can double the response to all your marketing materials!

• A simple 3-step formula to leverage your time and money finding motivated sellers

• How to make big money in a small town investing in real estate!

• A secret source of motivated sellers that is overlooked by 99% of all investors

• How to consistently find deal after deal in any city—no matter what the market is like!

• The cheapest way to get sellers to call you!

• Three little-known secrets for finding deals in a smaller market!

Just this section alone comes with 27 camera-ready and sample marketing pieces. It also includes 15copyrighted scripts to use with sellers. In all, you’ll learn dozens of proven techniques for finding deals.

Section III: The Instant Offer System—How to Get Sellers to Say “YES!” to Your Creative OfferOnce you have found your motivated seller, it’s time to sit down with him to figure out how youcan help him AND make a profit. You’ll learn to solve his problems in a way that leaves the sellerfeeling good about the deal and makes you a healthy profit.

You’ll learn the specific questions you need to ask to “diagnose” the seller’s real needs… and how toword your offer to get the seller to say “yes” to the deal.

This section of the system includes an in-depth manual with our copyrighted forms and contracts.These are the exact same contracts we use in our own investing. We’ve invested thousands of dollars

to get them just right and they are yours—FREE—as part of the program. You’ll even get them onCD-ROM so you can just fill in the blanks and print out professional contracts at the push of abutton!

Here is just a PARTIAL list of all the forms and contracts that you’ll get:• Property Escrow Document Checklist

• Escrow Instructions

• Residential Lease Purchase Agreement

• Memorandum of Option

• Additionally Insured Agreement

• Authorization for Direct Payment

• Authorization for Release of Information

• Agreement for the Purchase of Real Estate (Buying)

• Agreement to Sell Real Estate (Buying Subject to)

• Deposit to Hold the Property Form

• Tenant Buyer Lease Agreement

• Tenant Buyer Option Agreement

• Rental Applications (one and three page versions)

• Performance Deed of Trust

• Assignment of Contract Agreement

• Purchase Agreement (Selling)

• “As Is” Purchase Agreement (Selling)

• Tenant Buyer Pricing Worksheet

• Lead Based Paint Disclosure Form and Report

• Earnest Money Promissory Note

Plus you’ll learn:• The most powerful question you can ask a seller to determine his real needs!

• Nine techniques to put together the best deal possible!

• A simple technique to guarantee you a quick decision from the seller (this one idea alone willsave you days of frustration and wasted effort!)

• The single biggest mistake you can make when negotiating (and how you can avoid it!)

• How to get any seller to instantly drop his price just by asking two simple questions!

• How to get the seller to ask you for a lease-purchase term of five to seven years!

• The four steps you need to take to get the seller to sign the deal now!

• How to create intense desire on the other side to put together a winning deal!

• A five-step formula that will help you close the deal—time after time!

• How to get the seller to agree to the numbers of your offer BEFORE you ever present it!

• 21 little-known factors to close Purchase Option deals

• How to word your creative offer so the seller finds it irresistible!

• Five deal killers and how to keep them from stealing your profits!

• The three key clauses you need to use to lower your risk to the absolute minimum!

• A little-known phrase to add to your paperwork that will earn you up to an extra $25,000 onevery deal you do! (This one technique alone is worth 10 times the investment in this systemto you!)

• Three Keys to wording your offer

• Eight questions to ask the seller that uncover his real reasons for selling

• How to handle the five biggest seller objections (including a scripted response to the “attorneyobjection”)

• Nine negotiating pitfalls that can kill your deal (and how you can safely sidestep them)

• Blank by blank how to fill out your contracts

• How to walk the seller through the contract and still get them to sign on the spot

• Three ways to lock in your profits on your deals

Part IV: How to Find Tenant BuyersCongratulations on getting the property signed up. Now it’s time for you to finish the last step ofany Purchase Option deal: finding your “tenant-buyer.”

You’ll learn exactly how to find and sign up your tenant-buyers in the fastest, simplest, most sys-tematic way. You’ll also get all the contracts and forms you need to take care of the paperwork toprotect your interests.

You’ll learn:• A 12 step game plan for filling your property fast!

• How to determine how much rent to charge (and why this is so critical to your success!)

• How you can structure the deal with your tenant-buyer so that you enjoy monthly cashflowand huge back-end profits!

• The biggest mistake you can make when looking for your tenant-buyer—And how you caneasily avoid ever making it!

• The nine critical areas of your properties that must show well (or your prospective buyer willwalk!)

• 29 point tenant-buyer Checklist

• A little-known secret for renting any property in any area within 72 hours or less!

• How to get top rent and price for your property!

• The single biggest factor in getting your buyer to say “YES!”

• 12 steps to reel in your tenant-buyer when you have him on the hook

• How to create intense competition for your properties—driving the price and your profits up!

• The single biggest time-waster in marketing your property and how to avoid it!

• How to “program” potential buyers to say “yes” to the property BEFORE they ever see it!

• Exactly what to say to potential buyers when you meet them at the property!

• How to get the buyer to give you more money up-front and pay higher than market rent!

• The single cheapest way to advertise your property!

• A simple, three-step formula for whetting the appetites of buyers so they act now!

• The five most common mistakes investors make when conducting rent surveys

• A little-known technique for getting buyers to qualify themselves for you without you ever hav-ing to talk with them personally!

• How to fill out the proper paperwork to make sure you have maximum protection and mini-mum risk.

• Three ways your tenant-buyer can build equity before ever “owning” the property

• Our single best ad to get tons of prospective tenant-buyers calling you now

• Four steps to create tremendous curb appeal

• The five most common mistakes investors make when looking at comparables (and how to getcomparables for free!)

• What to do if your tenant-buyer stops paying you rent

• Two simple steps to make sure your seller doesn’t get cold feet

• How to cancel your agreement with the seller if you don’t find your tenant-buyer (includingtwo sample deal cancellation letters)

• 17 Ways you can offset negative cashflow

Part V: The 90 Day Quick-Start Action PlanThis step-by-step plan of action gives you the proven steps you need to take—today—to put all thismoney-making information into action. Included are all the forms and information you need tokeep yourself on track.

These ideas have worked for thousands of other investors and now it’s your turn! No matter whatyour background with real estate, the Protégé Program will give you concrete tools to make moremoney investing in real estate and will lay out the step-by-step system for you to do it the simplestway possible.

But we don’t expect you to take our word for how good this system is—find out for yourself. Youget a 100% money-back guarantee for a full 90 days!

That’s right, you get a full three months to test-drive the our system, and if it doesn’t meet yourexacting standards, it is totally free!

Plus, when you act now you’ll get these two valuable bonuses:

Bonus #1: Three Session Investor’s Tele-ClassLearn from one of the nation’s top real estate trainers right over the phone! Each class is a full hour ofthe latest investing ideas and techniques designed to help you get going with your investing right away!You’ll get to ask questions and listen to the answers you need during each Tele Class! ($100 value)

Bonus #2: Free Deal ConsultationAnd when you call to order your Protégé Program right now, you’ll also get a $1,000 deal consulta-tion from us and our staff—absolutely FREE!

That’s right! You’ll get a certificate that entitles you to a $1,000 deal consultation. This means thenext time you are working a deal and need our expertise and guidance, our staff will personallyspend up to an hour on the phone with you helping you structure and close the deal! This onebonus alone is worth your entire investment for the program!

And you’ll get these $1,100 worth of bonuses— FREE—just for trying out the system! That makesthis offer better than risk-free! Even if you decide to return the program, keep both bonuses as ourgift to you for giving both the Protégé Program and yourself a good faith effort!

You can only win! Either you love the program and can use it to make tens of thousands of dol-lars… or it doesn’t cost you a cent AND you get $1,100 in bonuses—absolutely free!

We’ve taken all the risk of trying out the program and put it squarely onto our shoulders. Why?Because we know the program is that good. It’s worked for so many other investors, of all experi-ence levels, that we know it will work for you too. You have nothing to lose and so much to gain.Order Now!

This course comes COMPLETE with:• Five (5) Comprehensive Manuals (over 1050 pages)

• 36 Audio CD’s

• 44 Forms and Contracts

• 45 Sample and Camera-Ready Marketing Pieces

• 16 Sample Phone and Voice Mail Scripts

• CD-ROM of Essential Contracts (In Both Text and Microsoft Word Formats)

• Free Three Session Tele Class

• One Free Deal Consultation

Catalog Number: 009 The Protégé Program

Your Investment: $1,497


How to Find, Close, and Sell Properties Using the Existing FinancingIn this advanced home-study course, you’ll learn exactly how to tap into the money-making powerand security of buying properties “subject to” the existing financing.

What this means to you is:• You Own the Property!

• You Get All the Tax Benefits!

• You Get All the Appreciation!

• You Get All the Equity Pay Down!

• You Get All the Cash-flow!

• (BUT you never had to talk with a bank, you never had to personally guarantee a loan, younever had to qualify for the mortgage!)

There are no banks to qualify with, closing paperwork is streamlined and straightforward, and youmaintain iron-grip control over the properties you buy.

If terms like “All Inclusive Trust Deed,” “Wrap-around Mortgage,” and “Subject to Financing”sound like Greek to you, then you need this course because without it you’re missing out on thou-sands of dollars of simple, easy profits.

You’ll learn:

• Step-by-step how to simply take over someone’s payments and property in the safest, simplestway possible!

• The three landmines that can kill your deals and how to safely sidestep them!

• How to find sellers who are literally willing to “give” you their properties

• How to neutralize the five biggest dangers of these types of deals

• How you can close fast (even in 48 hours if needed!)

• How to stay in control of the deal at all times

• How to avoid the legal traps of “subject to” deals

• How to increase your cash-flow and make an extra $25,000 when you re-sell the property

• Five keys to getting sellers to call you, begging you to buy their property

• How to avoid the eight pitfalls of “subject to” deals

• How to use corporations and land trusts to avoid the due on sale clause

• How to “cover yourself ” from any liability when you buy “subject to”

• Seven techniques to find “subject to” deals

• The two most common seller objections to these deals and how to handle them

• 24 key clauses you need to protect your interests and maximize your profits

• How to cultivate private funding sources for your deals

• How to flip your deals for instant cash

• And much more!

PLUS you’ll also get a FREE bonus CD-ROM containing all the essential documents and contracts

you need to safely and profitably buy subject to the existing financing.

Here’s a partial list of what you’ll get on your bonus CD-ROM:• Agreement to Sell Real Estate (Buying)

• Promissory Note (Buying)

• Grant Deed

• Warranty Deed

• Quitclaim Deed

• Assignment of Contract (Flipping Deal)

• Limited Power Of Attorney

• Land Trust

• Assignment of Beneficial Interest

• Appointment of Successor Trustee

• “Cover Yourself ” Disclosure Letter to Seller

• Acknowledgment of Assignment and Release of Liability

• Authorization to Release Information

• Authorization for Direct Payments

• Additionally Insured Agreement

• And much more!

Your Course Comes Complete With:

• Twelve (12) audio CD’s

• 315 page manual

• Bonus CD-ROM of all the essential contracts and documents

Catalog Number: 105 How to Find, Close and Sell Properties Using theExisting Financing

Your Investment: $697


How to Buy Apartment Buildings With Little or No Money Down!For creating massive cash flow, there is nothing better than intelligently buying apartment build-ings. For example, four years ago, Peter Conti found a 24-unit apartment building that was ownedby a motivated seller. He bought that building and others with nothing down using the ideas fromthis breakthrough new course. That one building alone still puts over $40,000 of cash flow into hisbank account every year!

Would you like to have a cash machine like this building? Imagine the freedom and security it willgive you and your family. In this course, you’ll learn how to find, analyze, structure, fund, and closemoneymaking apartment deals using little or none of your own money.

You’ll learn:• How to find cash generating properties!

• Nine ways to find landlords who are desperate to sell you their buildings!

• ample marketing materials and scripts for you to use to find money-making deals (includesdirect mail pieces, sample ads, special reports, phone scripts!)

• Seven ways to structure your deals with nothing down!

• How to get outside investors to fund your deals for a share of the profits!

• How to increase the value of your new building by 10% in 90 days or less!

• Five biggest ways to lose money with multi-unit deals and how to avoid them!

• How to determine in five minutes or less the value, monthly cash flow, and upside potential ofany apartment building

• How to structure a deal so that you’ll get the highest possible return on your investment dollar

• Eight ways to lower your down payment

• The best way to use owner carry financing to purchase apartment buildings

• How to develop private sources of low interest funding for your deals

• How to buy apartment buildings subject to the existing financing

• How to manage your apartment buildings to create multiple streams of income

• How to find, train, and oversee a resident manager (including the five biggest mistakes mostinvestors make when using a resident manager and how you can avoid them)

• How to increase the value of your apartment buildings to maximize your profits when you’reready to sell

• Nine easy ways to increase your building’s income

• Three secrets to getting more money when you sell

• How to create a lifetime cash flow and pass all your equity to your heirs without any capitalgains tax

• How to find apartment buildings at 20-35% below value!

• How to discover the hidden opportunities in multi-unit investing

• 22 Reasons apartment building owners must sell fast

• 17 Expenses every property has (and how to tell when the seller isn’t being honest with you)

• Taking control of standard Realtor contracts by using addendums (Includes templates and samples)

• Three secrets to avoid signing personally on a note

• How to get “the inside edge” at every closing

• 25 critical clauses you need to know when you are buying or selling a building

• How to handle the four biggest seller objections that can kill your deal

• 28 Power negotiating tactics when buying apartment buildings

• 20 Things you must do when you are selecting a tenant (and 24 things to avoid!)

• How to set up an effective tracking system to make sure you get your rents in on time

• How to improve your property by getting rid of your worst tenants

• 27 Ways to increase the cashflow from your buildings

• Five additional profit centers in your properties that most investors overlook

• 12 Ways to lower “verifiable” expenses (and why this helps you make more money when you sell)

• 26 Ways to save money on repairs and maintenance

• When it makes sense to use a real estate agent to help you sell (and five things to watch out forwhen you do)

• And much more!

Plus you’ll get sample copies of all the paperwork, forms, and contracts you’ll need to invest inmulti-unit properties including:

• The Apartment Building Investors Due Diligence Checklist

• Property Evaluation Worksheet

• Earnest Money Promissory Note

• Commercial Master Lease Purchase Agreement

• Memorandum of Option

• Offer to Purchase

• Onsite Assistance Agreement (annual and short term)

• Notice of Change in Terms of Tenancy Letter

• Late Fee Notice

• Maintenance Tracking Form

• Maintenance Request Form

• Tenant Upkeep Violation Notice

• “Bad” Tenant Rent Increase Letter (to encourage them to move)

• Letter to Get Non-Paying Tenants to Move

• Friendly Eviction Letter

• Notice to Terminate Tenancy Form

• Mutual Agreement to Terminate Tenancy

• Form to Use With Eviction Service

• Property Inspection Form

• Move Out Worksheet

• Lease Agreement

FREE BONUS: CD-ROM with the Instant Income EvaluatorA simple yet powerful analytical tool that will help you spot great deals and have the confidence tograb them.

This stand alone PC-based software program will help you do a lightning fast analysis that willshow you the cash flow, estimated expenses, actual value, and upside potential of any building!

Your course comes complete with:• 12 audio CD’s

• A 317-page manual with contracts, forms, letters, and sample documents

• PLUS Bonus software program

Catalog Number: 106 How to Buy Apartment Buildings with Little or No Money Down!

Your investment: $2,497


Advanced Investor Training:Leveraged Business Systems to Take Your Investing to the Next LevelHave you read all about buying subject to, equity splits, and owner financing? Well this graduatelevel home study course is your chance to learn exactly how to find, negotiate, and write up all thepaperwork for these powerful money making strategies. Get all the SYSTEMS you need to takeyour investing to the next level.

Successful investors have learned to implement winning systems into their investing business sothey get great results—time after time. In this advanced home study course, you learn the exact sys-tems you need to do things like:

• Leverage your marketing efforts to find deals no one else knows about

• Create checklists for all your closings and paperwork trails

• Leverage time by setting up business systems to keep your investing business producing twicethe results on half the time and effort

This course is for advanced investors…Let's get clear. This high level course is not for people who have just gotten started and have nevereven met with a seller. It's not for a dabbler who isn't serious about making money by getting outthere and investing. It isn't for the faint of heart. It is, however, for those who are committed tomaking real estate pay off BIG TIME for themselves.

To get the most out of this powerful home study system, you need to have a basic real estate invest-ment foundation so you can easily incorporate the high level investing strategies you'll be learninginto your own business processes to get the results you are looking for.

With this comprehensive home study course, you'll learn how to:• Buy subject to the existing financing (and avoid the 11 pitfalls of subject to deals)

• Negotiate and write up equity splits, big money cash closes, and owner carry deals

• Use and write up graduated rents/prices and reverse credits when negotiating deals

• Create a selling machine to sell, rent, or rent to own your properties FAST!

• Make an extra $25,000 selling on land contracts and wrap around mortgages

• Use land trusts and corporations to protect your growing net worth

• Structure your business so you have more free time, profits, and maintain a balanced life

• Create a real estate dream team committed to helping your business succeed

• Automate your lead sources to produce multiple streams of weekly deals

• Leverage your investing time so you get full time results in 30 hours or less per week

• Protect the money you are making from costly lawsuits, governmental agencies (including theIRS), and creditors

• Make fast cash flipping, joint venturing, and buying foreclosures

• Plus as a bonus, we'll spotlight 3 successful investors and how they run their business and gen-erate 6 figure incomes investing in real estate and how you can too!

Here's an outline of the course:Section One: Big Picture of How to Take Your Investing to the Next Level (including spotlight

on three investors who earn over $100,000 per year investing 30 hours or less each week.

Section Two: Seven Strategies You Can Use to Buy With Little or Nothing Down

Section Three: 12 Leveraged Ways to Find Motivated Sellers

Section Four: Five (5) Simple Systems You Can Use to Find Great Deals

Section Five: Advanced Lease Option Strategies--Hybrid Equity Splits, Graduated Rents, ReverseCredits, and More

Section Six: Mock Presentation to Real Estate Office to Get Deals

Section Seven: Mock Presentation to Mortgage Brokers and Bankers to Get Deals

Section Eight: How to Buy Subject to the Existing Financing

Section Nine: Step-by-Step How to Do All Your Subject to Paperwork

Section Ten: The Subject to Deal Game -- How to Do the Deal from Start to Finish

Section Eleven: How to Flip Deals for Fast Cash

Section Twelve: How to Intelligently Tap Into Owner Carry Financing

Section Thirteen: Mock Real Estate Closing (Learn exactly how to do your own closing on cre-ative deals)

Section Fourteen: Mock Presentation to Wholesale a House (Learn 3 little-known ways to turnyour deals for fast cash)

Section Fifteen: The Owner Carry Game — How to “Do” an Owner Carry Deal From A-Z

Section Sixteen: 33 Ways to Create A Buying Frenzy When Marketing Your Properties

Section Seventeen: How to Sell on a Wrap Around Mortgage (AITD) or Land Contract

Section Eighteen: Leverage Business Systems for the Real Estate Entrepreneur

The best part is that you can learn in the way that makes you most comfortable. Are you a visualperson? The entire course is included in high quality DVD format. Are you more of an auditoryperson? You'll also get the same great information on 27 audio CD's so you can learn at your con-venience. And, to wrap it all up, you get a comprehensive training manual, complete with cameraready sample marketing materials, hands-on worksheets and legal documents/contracts to help youput your newly acquired knowledge into practice.

Your Advanced Investor Training Course Includes:• 540 Page Manual

• 12 Hi Fi DVD's

• 26 Audio CD's

• Bonus CD ROM with the essential contracts and documents

• Bonus DVD of Investor Spotlights

• Bonus CD of Investor Spotlights

Catalog Number: 107 Advanced Investor Training



Negotiate and Grow Rich!How to Handle Every Negotiation You’ll Ever Face as a Real Estate InvestorThe single most important skill you need to make money investing in real estate is NEGOTIA-TION. With this intensive program, you'll learn directly from Peter and David who are revolution-izing the way investors negotiate things that aren’t available anywhere else.

You’ll learn how to handle and exactly what to say in every major negotiating situation that you’llever face as a real estate investor. Plus you’ll also learn two powerful models of human behavior thatwhen you apply them will instantly supercharge your results in any negotiation exponentially!

Section One: The Big Picture of Powerful Negotiation• Why negotiation is such an important skill

• Personal skills assessment

Section Two: The Instant Offer System• The five steps to get motivated sellers to say “yes” to your creative offer

• The five keys to closing the deal

• Three sure-fire tricks to get the best price

• Seven negotiating pitfalls - and how you can avoid them

Section Three: 27 Fundamental Negotiating Skills• How to build rapport to gain trust and get the deal

• Reluctant buyer language patterns and how to use them

• The secrets of getting or making concessions

Section Four: 32 Advanced Negotiating Skills• How to use hypnotic language to get what you want

• Six reasons why selective hearing pays off

• How to use personality styles to mold your negotiations

Section Five: Advanced IOS Secrets for Terms Deals• Exactly what to offer on the big four Purchase Option deals

• Seven places to get cash to buy properties

• How to negotiate cash deals for 50 to 75 cents on the dollar

Section Six: Successfully Negotiating Through Realtors• The five pitfalls of using realtors and how to avoid them

• Six things to never tell an agent if you want to close the deal

• Top twelve things you should never agree to when buying

Section Seven: Negotiating at the Closing Table• How to protect yourself from last minute concessions

• Six ways to control the closing

Section Eight: Negotiating with Lenders, Mortgage Brokers & Other Investors• How to get the best rate and terms possible from your lender

• How to beat the bankers at their own game and out negotiate the professionals

• 10 Things you must know when negotiating with another investor

Section Nine: Discounting Debt• How to get lenders to say yes to your short sale offers

• How to get lien holders to accept pennies on the dollar

Section Ten: Negotiating With Tenants• Five keys to successfully get your tenant to do what you want

• The single most important law when negotiating with tenants

• How to get property management companies to manage your portfolio for HALF their normalfee for up to two years (this one idea is so simple yet effective it will pay for the course)

Section Eleven: Negotiating With Contractors• Eight danger signs to watch out for when negotiating a contractor contract!

• How to get the best VALUE for your money!

• How to get contractors to give you fair and honest deals!

Section Twelve: Closing Thoughts• How to use tag team negotiation to fine tune your technique

• Tips for negotiating over the phone

• How to effectively go through your contracts

Your Course Comes Complete With:• 26 audio CD’s and 14 Hi-Fi DVD’s - over 18 hours of live training and role playing

• 315 page comprehensive training manual

• BONUS CD-ROM - Transcription of the entire 3-day workshop

Catalog Number: 108 Negotiate and Grow Rich



How to Buy Foreclosures Without Cash or CreditForeclosure Rates Have Doubled Across The Country!Over the past decade, foreclosure rates have literally doubled in just about every section of thecountry. Now is the time to learn how to tap into this lucrative niche of real estate. Over this pastfive years these techniques have literally made Peter and David as well as their students millions ofdollars in profits. Now it’s your turn!

Here’s just some of what you’ll learn:

Section One: How You Can Earn up to An Extra $100,000 This Year Investing In Foreclosures • The real story about why foreclosure rates are going to continue to climb!

• How ordinary people have made tens of thousands from specializing in this niche!

• The truth behind the 3 biggest lies you’ve been told about investing in foreclosures!

Section Two: The Big Picture Of Investing in Foreclosures• The specifics on what foreclosure is and how the process works!

• Judicial vs Non-Judicial Foreclosures!

• Which stage of the foreclosure is it best to buy in and why?

Section Three: 12 Ways to Structure Your Deals So You Don’t Need a Ton of Cash or Good Credit• How to buy subject to the existing financing whether you plan to hold, rehab, or resell the house!

• Seven sources of funding (five of which won’t even check your credit!)

Section Four: Short Sales — How to Make Big Money On Houses With Little or No Equity• How to negotiate short sales with lenders so they'll take pennies on the dollar!

• Step by step how to create your "Short sale packet" so lenders agree to your offer!

• How to fund your short sale purchases using other people’s money!

Section Five: 44 Ways to Find Foreclosure Deals• How to DOUBLE the response from your advertising without spending a dime!

• How to find desperate sellers for free!

• Six hidden ways to find out about foreclosures BEFORE other investors!

Section Six: How to Close the Deal With Seller’s In Foreclosure• How to negotiate with seller’s who are in default (including exact scripts of what to say to them)!

• How to handle the three most common objections when negotiating with seller’s in default!

• How to get the seller to just deed you the house and walk away!

Section Seven: Avoid the 25 Pitfalls the Can Cost You Big!• The five warning signs to watch out for when dealing with a foreclosure!

• What to do if the seller is declaring bankruptcy!

• 12 Steps to take in your due diligence so you don’t get burned!

Section Eight: Seven Ways to Turn Your Deal for a Quick Cash Profit• How to successfully wholesale or flip your foreclosure deals!

• Three sources of ready buyers!

• Cutting edge ways to use the internet to turn your properties into fast cash!

Section Nine: Three Strategies to Hold Your New Property for Long Term Wealth Build-up• Three reasons why you’ll never let the owner rent to property back from you!

• How to create hands off cash flows and big back end paydays!

• How to protect yourself when you’re building your portfolio!

Section Ten: Putting It All Into Action• Seven step action plan to get your first pay day in 90 days or less!

• 3 things you must invest in to be wealthy!

• 17 Questions you must learn the answers to in the first 30 days of your investing or you’re ask-ing for trouble!

If you’ve always wanted to tap into this lucrative market niche but were afraid because you didn’tknow all the legalities, this is your chance! With this comprehensive home study course, you’ll notonly learn how to find and close foreclosure deals, but also how to protect yourself so you make themost profit possible with the least amount of risk.

With the money that is out there waiting to be made in foreclosures, you can’t afford not to get thiscourse. Order your copy today!

Do These Ideas Really Work? Here’s Your Answer:Mark is a pilot for a large commercial airline who made more than $100,00 from his first foreclo-sure deal.

Randy is a beginning investor from Hawaii. He finally found his answer for all those people whokept telling him it couldn’t be done when he made more than $60,000 on his first foreclosure deal.

Cheryl is a stay-at-home mom who specializes in buying foreclosures in her small community. Shewas able to lock up 14 properties in her first 24 months of investing and now buys more than thatevery year!

If these average every day people can make their dreams come true, so can you! There’s never beena better time to cash in on foreclosures—don’t miss out!

Your Course Comes Complete With:• 480 Page Manual

• 23 Audio CD's

• 15 DVD's

• 4 Bonus Data CD's

Catalog Number: 109 How to Buy Foreclosures Without Cash or Credit



The Intensive Training Video LibraryFor the past four years, we’ve hand picked a few hundred investors and trained them on our mostpowerful investing techniques and strategies. These investors paid between $4,000 to $6,000 toattend this intensive 3-day training workshop.

Now for the first time ever you’ll get to see exactly what these students learned and save thousandsof dollars too! It’s like having a front row seat to this 3-day investing workshop all from the comfortof your own home.

There’s no expensive travel or hard-to-get time off work. When you’re ready to learn these money-making ideas you just put in the tape, press “play” and sit back. Nothing could be easier. You’lllearn how to create multiple streams of income buying homes in nice areas with nothing down!

All totaled, you get the following 15 videos—three full days of investing strategies and “how to’s”—as part of your new video library:

• Reasons Why Purchase Option Investing Will Make You Rich!

• How to Tap Into Hidden Markets of Motivated Sellers—Again and Again!

• How to Get Sellers to Call You…Begging to You to Buy Their Property!

• How to Find the Deals No One Else Knows About!

• 21 Ways to Make Your Investing Business More Profitable!

• How to Structure Your Purchase Option Deals for Maximum Profits!

• How to Close a Nothing Down Deal in 90 Minutes or Less!

• Wealth Without Risk: How to Write Up Your Lease Option Paperwork for Maximum Safetyand Control!

• How to Know Exactly What to Offer a Seller so That You Both Win!

• How to Sell Your Property on a “Rent to Own” Basis in Three Weeks or Less!

• How to Price Your Properties for a Fast Sale!

• Five Fun, Easy Ways to Make Up to an Extra $100,000 this Year Investing in Real Estate!

• How to Blow Through Your Investing Fears and Get Yourself to Take Instant Action!

• Street Smart Real Estate Realities: How to Stay Safe Investing in a Rough World!

• The 90 Day Plan of Action: How to Close Your First or Next Deal in 90 Days or Less!

Catalog Number: 200 Intensive Training Video Library



Success Library Order Form:Check the Item Numbers You Want: Price Quantity

❑ 004: Street Smart Marketing Secrets. . . . . . . . . . . . . . . . . . . $39.97 ______❑ 006: Purchase Option Forms CD. . . . . . . . . . . . . . . . . . . . . . $397 ______❑ 007: Seven MasterSkills of Successful Investors . . . . . . . . . . . $297 ______❑ 008: Quick Start Action Pack . . . . . . . . . . . . . . . . . . . . . . . . $99 ______❑ 009: Protégé Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,497 ______❑ 105: How to Buy Using the Existing Financing . . . . . . . . . . . . $697 ______❑ 106: How to Buy Apartment Buildings with Nothing Down . . . . $2,497 ______❑ 107: Advanced Investor Training . . . . . . . . . . . . . . . . . . . . . . $2,497 ______❑ 108: Negotiate and Grow Rich . . . . . . . . . . . . . . . . . . . . . . . $2,497 ______❑ 109: How to Buy Foreclosures Without Cash or Credit . . . . . . . $2,497 ______❑ 200: Intensive Training 15 Video Library . . . . . . . . . . . . . . . . $2,497 ______

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Four Easy Ways to Order!1) Call: 1-800-952-9585 ext 8252) Fax: 1-877-689-46023) Online: www.resultsnow.com4) Mail: Mentor Financial Group, LLC

7475 W. 5th Ave., Suite 100Lakewood, CO 80226

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Appendix B

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Get on the Real Estate Fast-Trackand Earn $5,000-50,000 per MONTH

Investing in Real Estate!Dear Friend,

Have you ever dreamed of creating financial freedom for you and yourfamily by investing in real estate? Perhaps you’ve even done a few dealsyourself, or you know someone who has. Or maybe you’ve been looking for a wayto consistently make big money investing, but you just didn’t know how to getstarted.

This just might be the single most important financial document youever read. How can I say this?

Because after a decade of working with over 100,000 real estateinvestors, I’ve had the opportunity to discover the four essential secretsthat separate the super-successful investors from the wanna-be’s.

These four real estate wealth secrets are critical because when youunderstand them, making money in real estate becomes easy and automatic.

Now you might be thinking, “Sure Peter, that’s easy for you to say.You’ve already made your millions.”

Yes, I’ve grown quite wealthy investing in real estate, but remember, Ididn’t start out that way, I had to build it from scratch.

The Short, Simple Story of How an Ex-Auto Mechanic Went on to MakeMillions Investing In Real Estate (and how you can too!)

I started out as an auto mechanic because I thought that’s all I coulddo. Coming from a family with seven kids, I was the one who was expected tostruggle financially.

For many years I lived up to this expectation, living far below mypotential. Yet even during those tough times, I craved more.

All the time I was working for $5.50 an hour as a mechanic, I paidattention to what successful people were doing. Again and again I saw peoplewho had made their money in real estate.

Well, sometimes you need to hit rock bottom before you are ready tomake a change. It happened to me one day while I was working in an auto shop.It was a cold Colorado winter and the owner had the heat turned off to savemoney. It was so cold that my fingers were numb. I looked over at the shopforeman who had just come out of the office with a big, steaming cup ofcoffee. It looked so good I grabbed a coffee mug out of my toolbox and wentinto the office and poured myself a cup. I wrapped my fingers around it totry to warm them up.

Just as I was walking back to work the owner came out of his office,looked at me and said, "Peter, that coffee is for customers only!"

Continued

I felt about two inches tall. Have you ever had someone make you feellike that?

I decided right then and there to never be dependent on someone elseever again for my livelihood. Never again would anyone have that kind ofpower over my financial life. So I finally took the leap and began investing.

It was a struggle in the beginning, and several times I almost quit…but within three and a half years, I was a self-made millionaire.

I guess my real point here is that if I could start out as an automechanic who struggled to graduate from high school yet went on to become oneof the nations wealthiest people in such a short amount of time, then you cantoo!

That’s why I want to share with you the four most important lessonsI’ve learned along the way to help you break out of the rat race and useinvesting to earn the money you need to be financially free.

I’ve literally seen our students use these principles to create multi-million dollar portfolios out of thin air.

Take Stephen and Susan, two of our Mentorship graduates. Stephen andSusan left their jobs in corporate America to build the life they’ve alwayswanted. It wasn’t easy in the beginning for them, yet by following thecoaching and system we laid out for them (some of which I’ll share with youhere) they were able to build a $10 million real estate portfolio in lessthan three years.

This brings me to the first Real Estate Wealth Secret…

Real Estate Wealth Secret #1: Once You Commit to Your InvestingYou Will Find a Way to Become Successful.

Take Rob, an ex-consultant from Texas whose business required him totravel over 3 weeks out of each month! Rob’s career literally tore hisfamily apart. As you can imagine Rob was absolutely committed to make hisinvesting work no matter what so he could win his family back. It was afterhe had made this commitment that all sorts of small “coincidences” started tohappen in his life to make his real estate dreams come true.

First, he found an investing book in his local bookstore that gave himthe system that he knew he wanted to use with his investing. (In case you’recurious, it was our second book, Making Big Money Investing In Real EstateWithout Tenants, Banks, or Rehab Projects.) He called our office and joinedour Mentorship Program one week after he read the book.

As one of our Mentorship Students Rob made over $200,000 his first yearinvesting. (And he’s gone on to buy over $3 million of real estate!)

Or take Patty, a young mom who had had just been laid off from herdream job earning $45,000 per year when she read one of our books. She knewnothing about real estate when she got started and was scared to death to lether kids down. But she swallowed her fears and took the leap into investing.Her first 18 months in the program she completed 9 deals and earned $195,000in cash profits!

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Real Estate Wealth Secret #2: Success Leaves Clues

Have you heard the expression that some men would rather die than askdirections? We’ll in my experience some people would rather fail financiallythan admit they don’t have all the answers and look outside themselves forinsights and ideas from other people who’ve already made their fortune.

I don’t know about you, but when I got started with my investing Ididn’t have any idea of how to be successful at it. What I did was to seekout and learn from other investors who were making money, and followed whatthey did.

Which brings us to the third Real Estate Wealth Secret…

Real Estate Wealth Secret #3: To Get on the Real EstateFast-track--Find an Experienced Mentor!

One of the most expensive mistakes I see new investors make is tryingto learn this business on their own. They buy some books and listen to sometapes, then they figure they’ll just do it all on their own with no backup orsupport structure in place.

In my opinion, the age of the self-taught real estate investor has gonethe way of the dodo bird. In the last thirty years the world of real estatehas just gotten too complex and sophisticated to do this on your own.

That’s why the smartest way to succeed in the shortest amount of timeis to align yourself with an experienced mentor who has helped other peoplejust like yourself do exactly what you want to do — create financial freedom.

Why reinvent the wheel? It just makes sense that the way to shortenyour learning curve and start making money as fast as possible is to followthe proven coaching of an experienced mentor.

Take the case of one of our newest Mentorship Students from Atlanta,Shag. Within three days of leaving the live training portion of the programhe had signed up three deals! How was this possible? Because he set his mindto just do the things we coached him to do, even though they felt new anddifferent to him. He didn’t have to know much about real estate to get hisfirst successes because we did. We literally let him borrow our lifetime ofinvesting experiences and knowledge so he could jump straight to the head ofthe line!

This brings us to our final Real Estate Wealth Secret

Real Estate Wealth Secret #4: Get Yourself to Take that First Step—It Only Gets Easier from There!

Just by getting yourself to take that first step you immediatelyseparate yourself from the pack of “talkers” who will never become wealthybecause all they do is talk about it.

You’ve got to take that first step. No one can take it for you.

If Stephen and Susan hadn’t taken that first step they’d still be stuckin corporate America. If Patty hadn’t stepped out on faith she’d be stuck ina 9-5 job earning her “dream salary” of $45,000.

It’s always that first step that is the most critical.

Continued

I’ve found that when you take that first step to getting started thereis a power that comes to your aid. Ideas and people come into your life tohelp you on your road to success and wealth. Your job is to be open to seeingthem when they arrive and doing what it takes to learn from them as quicklyas possible.

Still Wondering If You Can Really Do This?

Some people have told me, “Yeah Peter, I know that real estate works tocreate wealth, and I even know that it works for other people. But I’m tooscared that real estate won’t work for little old me… I’m too busy… I don’thave any money… I could never take that kind of chance… I’m just too full ofall these reasons why I could never be rich.”

If that is truly how someone feels then there is nothing I can do tohelp them become financially free. I can guide, steer, encourage, and mentor,but ultimately you are going to have to step up and take action.

All I can say is that we’ve worked with people of all backgrounds fromnurses, to doctors, to factory workers, to stay at home moms, to pilots, toexecutives, to out of work laborers, and even an ordinary mechanic or two.

It’s not about what you do for a living, or about what your backgroundis. It’s about who you are as a person and what you are willing to learn froman experienced mentor whose already traveled down the road before and who canhelp you do it, step-by-step.

I’ve worked with people all over the country, like you, who werecommitted to changing the quality of their financial life forever.

People like Victoria, an out of work secretary living on unemployment,who put the Mentorship Program to work to create the freedom and security shehad always wanted. She had more profits in her first deal than an entireyear’s wages!

And she certainly hasn’t been the only person we’ve worked with whowhen they got started with the program were living off unemployment checks.In fact, I remember one recent student, an out of work pharmacist, who madeover $250,000 in her first 18 months investing!

Or…Cindy Leavitt, who called me several months back to ask me if it was

possible to have too many deals going at once. It seemed that Cindy had foundsix deals in one month’s time! (How would you like to have a problem likethat!)Cindy wrote to me and said:

"I’m not very old, but I’m old enough to know to let people go beforeme and make the mistakes that I can learn from without experiencing thepain. I have already made enough money to repay the investment I madeand within the next two weeks will by tying up a deal that will make me$27,000 profit… I was one of those people who dragged my feet aboutinvesting the money because I have a "high maintenance" family of sevenand run a family-owned store. I felt that I could not tie that money upright then. I finally realized I needed to take action if I wanted tobegin to see these profits. The only regret I have is that I didn’tstart sooner."

This system has worked for so many other investors I know it will workfor you.

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I don’t mean to sugar coat any of this, it takes work. If you’relooking for the newest "get rich quick" thing then you’re looking in thewrong place.

Are you willing to put in 10-15 hours a week to talk with propertyowners and look at houses? Are your dreams worth it? Is your family?

These techniques are incredibly powerful and profitable. They work forbeginning and seasoned investors alike. In fact, one of the major benefits ofthese techniques is that you can use them for the rest of your life toconsistently build your monthly cash flow and grow your net worth.

You’ll Have the Money You Need to Be Financially Free—Forever!

You’ll be working where you want, when you want. And you can make asmuch money as you choose to make. You will be the one in control of yourfinancial future.

The secret is to set things up so there is no chance of quitting whenyou are almost there. Because for you, "almost" just isn’t good enough.

You see, there’s something strange about life in that sometimes toreach your goal you’ll have to endure a few momentary setbacks along the way.I believe that sometimes God just wants to see if you really want it badlyenough.

The Mentorship Program Has Three Essential Stages to It.

Stage One: The Learning StageStage one is where you build a foundation of investment techniques and

strategies to use in your investing.

You’ll study one bite-sized chunk at a time and then work with thecoaches to talk through questions and discuss how you’ll be using what you’relearning in the real world. Then you’ll layer in the next chunk, then thenext, and so on.

We’ve found that layering in your knowledge base this way is thefastest and most manageable way for you to quickly progress to the next stageof the program.

Stage Two: The Action StageStage two is where you start to learn by doing as you put the ideas

into action. The heart of this stage is the three-day Intensive TrainingWorkshop all new Mentorship Students come to.

This isn’t just a "classroom" seminar, but rather a hands on experiencewhere you’ll actually be investing. You’ll be making calls to motivatedsellers and meeting with property owners negotiating to buy their properties.

You see, the whole idea is to get you to do the most important, andoften times most intimidating, parts to investing right there at thetraining. But rather than make the calls on your own or meet with sellers byyourself, you’ll have me, the coaches, and the other students from thetraining right there with you giving you a safety net to make your learningeasier and faster!

And remember, the faster you get up to speed, the sooner you can bemaking money with your real estate investing.

Continued

Stage Three: The Launch StageThe pattern we use is to get you out there looking at deals and doing

your investing. Then we get you to step back each week and evaluate youractions and learn from them. And finally, we get you work with our coachingteam to fine-tune your investing efforts every single week so that in 90 daysor less you’re able to find and close your first real estate deal.

Typically a new student will get on 3 or more coaching sessions eachweek, leveraging their learning through the experiences of everyone else inthe sessions. You’ll literally get 10 times the experience of the averageinvestor—every week!

What Happens Once You Have a Deal Under Contract?

You simply get on the coaching calls and work with the coaches tofollow through the checklist to complete your due diligence, close on theproperty, and find your end user for the property.

Now the reality is that this is a lot of steps to take, but rather thangive it to you all in one large block, your coach will feed it to you onestep at a time. In fact, our real job is to help take the complicated processof investing and break it down into bite-sized chunks. At every step alongthe way you’ll know exactly what you need to do next to keep the deal movingalong to it’s successful close. Do you see the power in that?

We’ll Be Taking It One Step at a Time All the Way to the Bank!

Here’s just a few of the recent results we’ve seen:

The Johnston’s, a married couple, took action putting the system to work forthemselves. They got started because they wanted to put their two sonsthrough college. Their first year in the program they did nine deals. On justone of those deals they made over $42,000! And they did it working part-timeout of their home.

Scott, another tech casualty of the dot-com bust, got started with theprogram after his fourth company went through massive layoffs. Tired ofbeing at the whim of forces outside of his control he jumped into the programwith both feet. His first year he did over 12 deals and generated over$180,000 of locked-in profits!

And you can be just as successful as these people! Even more so.

The students we choose want to get started today with their investingso that they can quickly begin to earn the money investing that will createthe time and freedom that they’ve always wanted.

If this describes you then I urge you to call my office and apply forthe program right now. You are exactly the type of student we are looking towork with and the faster you call the better your odds of being chosen. Thenumber to call is 877-212-9836.

"What’s this going to cost me?"

Of course I charge tuition up-front to work with you. I won’t work withanyone who doesn’t have a financial commitment to working with me. Would youwork with someone who doesn’t have a personal stake in the relationship?Where they could just quit and you’d have lost all the time and effort youinvested in working with them?

Turn the page

There is a range of three levels of tuition which vary depending on howmuch of my personal time you want and need. I don't have time to explain themin detail here (and to be frank, I don't know which level would beappropriate to talk through with you.) When you call into the office and talkwith one of our experienced Program Consultants (more on this in a moment),the two of you will decide which level is best for you.

And if you're willing to split your first two deals with me 50-50 thenthe best part is that the tuition is incredibly reasonable, because I'mwilling to wait to make a large chunk of my profit for helping you out of theprofits on deals we do together.

But we need to put first things first…

The real question is, are you serious about becoming a successful realestate investor? If you’re the person I am going to choose to work with thenyou’ve probably been thinking about investing in real estate for a long, longtime.

If you’re the person I’m looking for your intuition has been probablybeen telling you that this is the chance you’ve been looking for, you justknow your time is now.

If you’ve been held back in the past by a nagging doubt that you coulddo it all on your own, or if in the past you just didn’t know how to getstarted, then it’s vitally important that you act now.

If you don’t call my office right now then you might very well neverget around to it. And think for a moment what putting your dreams on holdforever will cost you.

What opportunities will you miss out on — forever?

What experiences will you be cheating your family out on?

How will this affect you when you retire?

Please don’t let that happen to you. Remember what Cindy said earlier."My only regret is that I didn’t start sooner."

Don’t Wait! Apply Now!

When you call you’ll talk with my staff (either Diane or one of theother client support team members) and she’ll take your application rightover the phone.

You can also apply online by going to www.mentorshipprogram.com, but Irecommend you call instead. Because it’s faster, you will get to the front ofthe line and increase your chances of being selected.

If you qualify she will schedule an appointment for you to meet withone of our experienced Program Consultants to do a Strategic InvestorsConsultation for up to 45 minutes. Normally this one to one session wouldcost $275 but because it’s become our best way of discovering some of ourmost successful students we’ll comp those people who qualify.

During this structured coaching session our experienced ProgramConsultant will help you pinpoint your action steps and clarify yourinvesting plan so that you can succeed faster and easier. At the same timethey’ll also be listening to see if you are the kind of person we want toinvite to join our Mentorship Program.

Now this may seem like a lot just to find the right MentorshipStudents, but please understand we get over 10,000 applications every year tojoin the program, but we only have room to accept fewer than 1 in 10. We’vehoned the process so that we only accept people who are going to both thrivein the program and who are enjoyable to work with.

If you think this person might be you then I urge you to call my officeright now. The toll free number to call is 877-212-9836.

Remember, what you do with this opportunity is the greatest indicatorabout what you do with every opportunity. I urge you to step up and call myoffice right away. In fact, if you’re the person we’re looking to work withwe even have scholarship options where you can pay for the lions share ofyour tuition for the program out of the profits from your first two deals.(Your Program Consultant will explain more about this when you call.)

In your lifetime, the only thing standing between you and all the timeand freedom you’ve ever dreamed about is you.

Don’t miss out on this opportunity. You’ll kick yourself if you do.

You already know that real estate is the safest and fastest way to makemoney. Let me take you by the hand and mentor you every step of the way.

Please call only if you are truly committed towards creating wealth andsecurity for yourself and your family right now.

You don’t have to go it alone out there. Together, we will make certainthat you succeed and reach your dreams. Just call my office at 877-212-9836.

Sincerely,

Peter Conti

P.S. This is your chance to have what you’ve always dreamed of by investingin real estate with me as your personal mentor. Call my office today to seeif you’re one of the select few people I choose to work with as part of thisunique Mentorship Program. Call toll free 877-212-9836 right now!

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