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No Money Down - How To Buy Property With Nothing Down

If you have ever watched TV after about 11:30
at night, you've seen people talking about5) Back taxes-I've done deals where I've
courses on buying real estate with no moneytaken over back taxes due--you can pay them
down. They show vacation paradises, gorgeousoff  at  your  own  speed,  within  reason!
girls, fancy cars, and huge mansions. All of
this is promised to you if you buy their6) Free rent-I've done deals where the
course on making a million with nothing! Ifseller had office space in the building and
you want you can spend "only three paymentstook 2 years free rent as down payment! Can
of $99.99" to find out about this excitingalso  work  for  multi  family.
area...OR...I'll just tell you for FREE!One
thing I must mention first, however, is that7) Upon closing there are adjustments for
ANY information, combined with NO action,that months rent--close on the 2nd or 3rd to
produces NO result. If I came over to yourmaximize this-and for damage deposits, taxes
house and showed you everything in person andto be paid for the period owned by seller,
answered all of your questions, and then youutility bills to be paid, etc. These can add
did NOTHING.....it was a waste of time. Yoursup  to  a  large  amount!
and mine!! On the other hand, if you combine
information with hard work, persistence and,8) Since the bank starts mortgage payments
most of all, GUTS, you will be successful,one month from closing, simply by paying an
whether you buy the courses, read the booksinterest adjustment of 2 weeks allows you to
for free at the library, or get theuse the first months rent and apply the
information from me, right here!I mentionedsecond  months  rent to the mortgage payment.
GUTS because there's a price to be paid for
everything. If you had a million dollars, you9) Borrow on insurance policy, stocks,
could buy an apartment building withoutbonds, mutual funds, etc. If you allow the
hardly any difficulty. Just pick out one thatbank to secure the collateral they will be
you liked, had a good return, and passed avery  accommodating.
building inspection.If you DON'T have a
million dollars, what are you to do? Well get10) Rack up your Visa, Mastercard and
ready for some hard work, searching for theAmerican Expres cards. A bit crazy, but I
right deal. Get ready to have a whole slew ofassume  its  a  great  investment!
offers rejected, and maybe even laughed at.
Get ready to hear some pompous real estate11) Borrow from friends, relatives, boss
agent tell you (as one told me) "Son, I've(holiday pay?) Maybe even cut them in as
been in the real estate business for thirtypartners!
years now, and let me tell you, there's no
such thing as a no money down deal." Get12) Partners are a surefire way to get
ready to work on a deal and spend time on itaccepted for big bank loans, create enough
only to have it collapse.You're going to putdown payments, etc. Always look for people
in your down payment in the form of "brainwho are interested in this area, and ask them
sweat equity". You're going to pay bywhat prevents them from buying investment
acquiring more knowledge than others in theproperties. If its time, expertise, etc--then
area of creative real estate, and byyou have a fit! All that's preventing you is
searching long and hard to find MOTIVATEDmoney--and you have found this great property
sellers, ones who want to get rid of theirhaven't  you?
properties desperately and therefore are
willing to help you out. Most of all, you're13) Syndicate a group of people--say 9
going to pay by enduring the inevitableinvestors and you get the last tenth for
"start-up glitches" that ANY business orputting together the project--they will
enterprise has. If it was easy to do, thenprovide the financial strength for the loan,
everybody would be doing it, and there wouldand maybe even the down payments! Anything is
be  no  properties  left!  It  is  thispossible, remember? This is a lot of work to
find these people, but VERY lucrative! Start
difficulty that makes it EASY, once you knowwith dentists and doctors, lawyers, everyone
what you are doing!!OK, so here we go, butthat  you  deal  with!
first you need to know ONE thing: IN REAL
ESTATE EVERYTHING IS NEGOTIABLE!! Let me say14) Rent to buy--maybe you make payments for
that again, because it is the linchpin of the3 years and then have built up the
way creative real estate works--in realdownpayment--meanwhile the property can go up
estate EVERYTHING is negotiable!What doesin  value,  rents  rise,  and  so  on.
that mean? Are there any boundaries? NO!! Can
you get someone to carry an agreement for15) Option to buy--Seller keeps title and
sale for 25 years with little or no moneygets all revenue. You simply pay a sum for
down and no credit check? YES!! Are there tenthe right (make it REALLY legal!) to purchase
ads in the paper offering just such anthe property at a certain sum in X years.
agreement, or one? Probably none! What doesThere could be a trade for this option,
that mean? EVERYTHING is negotiable! If youexample trade an item or service for the
find a motivated seller, one who is payingoption.
every month to own that property, one who
doesn't have the skills to fix it up, one who16) Lets make trading an item or service for
moved out of town, or the country, then hedown  payment  its  own  idea!
MIGHT go for it! Notice that I did not say
WILL go for it, but MIGHT!Think of yourself17) Foreclosure property--maybe just before
when you had a car that you wanted to get ridit goes into foreclosure you offer to keep up
of, because it was a piece of junk. Ifthe payments and give seller SOMETHING,
someone approached you and asked "how much?",SOMETIME for his equity. (In a short while
you'd say "$1000, firm". But you knew deephe's not getting anything!) Lots of work,
inside that you just wanted to get rid of thelots of books and announcement services
headache!! And if you ever had to wait for aavailable.
month or two with no one buying your car,
suddenly you were not quite so firm on the18) Fix up damaged property--work deal with
price! And if the alternator had to bebank--example: as is it's worth $75,000, with
replaced before the car could run, prettyclean up and fix up its worth 100,000--bank
soon you just wanted it OUT of your hands!!offers 75,000 mortgage based on future
NOW, you're ready to accept monthly payments,value--you have to do fix up--similar to
maybe hold something as security, etc. Yousweat  equity.
just want it GONE!It is the same with real
estate properties! They go from being our19) Lease property (ie an office building)
pride and joy to an albatross around ourfrom owner and sub lease it to tennants--must
necks--then we're ready to do WHATEVER itbe very legal and usually needs strong rent
takes to get rid of it!These people aren'tup  effort!
going to jump up and down and say "I'm
willing to take a no money down deal for my20)  Pay  someone  to  cosign  for  a  loan
property"! They are going to be depressed,
just like the fellow with a clunker in his21) Get realtor to carry his commission as a
back yard, sitting there for months. They arenote--they  HATE  this,  but  if its needed..
going to need some convincing, but if you
find the "DON'T WANTER", the most difficult22) Balloon payment--nothing down, balance
part is done! Then you make offers, lookdue  in  three  years
closely at each property to see if you can
make a go of it (that's a whole other23)Private money from mortgage brokers--ask
report!) if you can get thethem  about  it! High rate of interest, but..
property--sometimes you don't want it either!
Then it is just a matter of making offers,24) Refinance property either before you
either in person, or through a realtor, untilassume  it,  or  after
you  find  someone  who  is
25) Find a partner where he takes writeoff
ready to deal. The first time is thefor negative cash flow and you manage
hardest, because no matter how many times Iproperty--this can even work with buying your
tell you (or the TV guys) that it CAN bepersonal residence--investor is happy with
done, you are going to think "not for me, not$200 per month negative cash flow in return
here in __________, not any more, not with myfor your taking care of property, always a
areas laws and zoning regulations, not withtennant (you) and investor splits profit when
my personality, not with my brains,selling.That's going to be enough to start
etc."Don't you believe it! Look at all thesome gears running in your head. The most
people in the TV commercials-all types andimportant part is to keep trying, and to be
shapes-they have ONE thing in common--theycreative. Combining parts of one idea and
went  out  and  DID  IT!another, and always probing for what the
seller wants will lead you to solutions.
ALL IT TAKES IS GUTS ANDAlways probe for ways to make both of you
PERSEVERANCE!!Here's the "stream ofhappy. Everyone wants all cash, right
consciousness" of ideas on how to buy withnow--not everyone gets it! Think of the
$000.00 down, but keep in mind the whole timejunker car in the back yard and look for ways
that IN REAL ESTATE EVERYTHING ISto HELP the other person--they want to
NEGOTIABLE!1) The simplest way to buy with nosell!Most of all, keep looking! It is not a
money down is to get the seller to carry anfailure on your part if someone is clinging
agreement for sale. Monthly payments for 25to the hope that they'll get a certain price,
years are possible if the seller has no needor certain terms. If they can-great!! If not,
for the money, and can be convinced to getcheck back in a few months. Many properties
his 6,7,8% return secured by his houseare still sitting there and with a MUCH more
instead  of  buying  a  4%  bond.receptive seller after they have the property
"sitting in their backyard, rusting" (or
2) If you have good credit and want to putracking up negative cash flow and maintenance
no money into a property, try a firstand property management headaches). Try and
mortgage, Vendor carries a big second fortry again!Check online for new info and more
remainder. Seller gets , say 75%, and carriesopportunities, network with other investors,
25%.ads can be used to signal what you are
looking to find, partners wanted, etc. Go to
3) Again with good credit, try first,your public library for more real estate and
smaller 2nd, and a Personal Line of Creditbusiness  information.  Keep
for remainder--especially if the gap is only
$10-15,000. This can even work for low pricedyour mind working and searching--keep
properties where the first mortgage islooking for properties and more
combined with a PLC for the remainder--beinformation--one idea can be worth a fortune
smart enough to go to another bank for PLCto you --go to seminars when they come to
and tell them that you're going to make anyour town--and the total adds up to the
invstment with money--and don't tell ANY bank"Eureka!" screamed in the middle of the
that  you're  doing  a  no  money  down deal!night.Buying with a low down payment is
obviously much easier than buying with
4) Payment over time-seller wants $5,000absolutely nothing down, so be sure to save
down, for example. How about $400 per monthup your money to make it easier for you. Even
for a year? You're still paying it, but overa no money down deal can require cash for
time-maybe the property will generate enoughlegal fees, closing costs, etc.Best of luck!
extra  money  to  pay  this!



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