TurnKey Investing with Lease-Options

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Author :
Publisher : Ascend Beyond Publishing
ISBN 13 : 0971394784
Total Pages : 226 pages
Book Rating : 4.9/5 (713 download)

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Book Synopsis TurnKey Investing with Lease-Options by : Matthew S. Chan

Download or read book TurnKey Investing with Lease-Options written by Matthew S. Chan and published by Ascend Beyond Publishing. This book was released on 2004-08 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: "IMAGINE A SOLID INVESTMENT PORTFOLIO WITHOUT BEING IN THE STOCK MARKET!" Since the Tech Stocks Crash of 2000, trillions of dollars of investor wealth disappeared from existence. Investors throughout the world saw their investment portfolios and retirement accounts crushed by their holdings of stocks and mutual funds. Simultaneously, investors of residential property continued to see their real estate portfolio appreciate and generate steady returns. Because of the financial devastation, investors have changed their investment priorities. Speculation and Volatility are Out. Safe and Steady Returns are In. If you watched your stock portfolio get crushed and want to invest differently, this book will show you ANOTHER WAY! Through the simple acquisition of small houses, safe and steady returns can be generated with the Lease-Options strategy. You will learn the "TurnKey Investing" philosophy of building, investing and managing your real estate portfolio with Lease-Options. "WHAT FINANCIAL ADVISORS WILL NEVER TELL YOU!" You will learn how to: * Use Lease-Options to simply and safely build your portfolio! * How to generate steady, spendable cash flow through Lease-Options! * Find the right real estate market to safely invest in! * Profitably manage properties without ongoing maintenance expenses! * Find the right Management Team to build and guard your portfolio! * Invest in the Lease-Options Strategy without owning property! TurnKey Investing with Lease-Options is an investment book like no other. It goes against what the traditional financial community sells and sure to upset the establishment. This book is only for independent-minded investors who want to take control of their investments ... not for the conventional "follow the herd" speculators of Wall Street.

The TurnKey Investor's Essential Lease-Option Lessons

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Author :
Publisher : Ascend Beyond Publishing
ISBN 13 : 0971394717
Total Pages : 258 pages
Book Rating : 4.9/5 (713 download)

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Book Synopsis The TurnKey Investor's Essential Lease-Option Lessons by : Matthew S. Chan

Download or read book The TurnKey Investor's Essential Lease-Option Lessons written by Matthew S. Chan and published by Ascend Beyond Publishing. This book was released on 2006-02 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: "IMAGINE TAKING AN INSIDE LOOK AT THE EVENTS OF A REAL-LIFE INVESTMENT PORTFOLIO" In 2004, "TurnKey Investing with Lease-Options" became the first book in the U.S. to exclusively focus on describing and explaining the "real world" inner workings of managing and marketing a portfolio of investment properties with Lease-Options. Unlike most other books, this book described in detail how to consistently generate high returns from investment property through monthly cash flow with little or no appreciation! In this revealing eye-opening follow-up and companion to "TurnKey Investing with Lease-Options", the Author frankly shares his experiences (both successes and setbacks) by providing actual stories and case studies from his investment portfolio. This one-of-a-kind manual will show you the real-life successes and setbacks of growing and managing a portfolio of investment property. "WHAT MOST INVESTORS WILL NEVER REVEAL AND SHARE WITH YOU!" You will learn: * What "real" investment properties look like and what the financial numbers are! * What really happens "behind the scenes" with real-life Lease-Option tenants and properties! * Unique strategies for marketing and managing Lease-Option properties! * How to take a creative approach to solving tenant and property challenges! * How occasional setbacks benefit you and make you into a seasoned investor! * The hidden benefits and challenges of Lease-Options most people never discuss! The TurnKey Investor's Essential Lease-Option Lessons is a real estate investment book like no other. It goes against what textbook real estate practitioners teach and is sure to upset the establishment. This book is only for independent-minded investors who want to take control of their investments, not for the blind followers of "razzle dazzle" techniques and speculation so commonly sought today.

The Turnkey Revolution: How to Passively Build Your Real Estate Portfolio for More Income, Freedom, and Peace of Mind

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Author :
Publisher : McGraw Hill Professional
ISBN 13 : 1260117545
Total Pages : 241 pages
Book Rating : 4.2/5 (61 download)

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Book Synopsis The Turnkey Revolution: How to Passively Build Your Real Estate Portfolio for More Income, Freedom, and Peace of Mind by : Christopher D. Clothier

Download or read book The Turnkey Revolution: How to Passively Build Your Real Estate Portfolio for More Income, Freedom, and Peace of Mind written by Christopher D. Clothier and published by McGraw Hill Professional. This book was released on 2018-05-04 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: The low-risk, long-term strategy for building a real estate fortune by buying, improving, and managing properties through a third party.What if you could safely invest in real estate—and enjoy a new flow of income—without giving up your current job or spending thousands of dollars and hours on training? You can. With The Turnkey Revolution, you’ll find the perfect mentor for buying, upgrading, and managing income properties with the help of a third party. Real estate investment pro Chris Clothier guides you through every step of the turnkey rental process. Using his proven system, you can:CREATE A SOLID ACTION PLAN to generate steady passive income.RESEARCH THE REAL ESTATE MARKET for the very best deals.BUY, RENOVATE, & MANAGE RENTAL PROPERTIES with the help of a third party.GROW YOUR PORTFOLIO to ensure your financial success for years to come.In this easy-to-use guide, you’ll find everything you need to take full advantage of today’s real estate revolution. You’ll benefit from the pros’ illuminating insights when it comes to renovating properties, working with rental agents, and managing it all through a third party, even from long distances. This essential book is packed with tools, techniques, and tricks of the trade that will save you time, money, and headaches. Better yet, you’ll be getting invaluable, expert advice on how to manage your investments and grow your portfolio for the long term.If you’ve ever dreamed of cashing in on real estate, The Turnkey Revolution is your key to financial success.

Investing in Real Estate with Lease Options and "subject-to" Deals

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Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.3/5 (913 download)

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Book Synopsis Investing in Real Estate with Lease Options and "subject-to" Deals by : Wendy Patton

Download or read book Investing in Real Estate with Lease Options and "subject-to" Deals written by Wendy Patton and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: With Lease Options and Subject-To deals, investors can control properties worth much more than what they could normally afford. These are two of the "little or no money down" type of techniques to invest in real estate. The potential for profit is great and the cost of getting started is low. This book shows real estate investors how author Wendy Patton and thousands of other Americans--including well-known real estate developers and business moguls--use Lease Options and Subject-To deals to control valuable property without using much cash. The cost of purchasing using a Lease Option or Subject-To deal is a fraction of the cost to outright purchase a property. Sharing the secrets and strategies investors use to profit from low-and no-money-down deals, Patton gives investors all the information they need to succeed.

Real Estate Investing with Lease Options

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Author :
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781518827334
Total Pages : 192 pages
Book Rating : 4.8/5 (273 download)

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Book Synopsis Real Estate Investing with Lease Options by : Jim Pellerin

Download or read book Real Estate Investing with Lease Options written by Jim Pellerin and published by Createspace Independent Publishing Platform. This book was released on 2015-10-14 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get started in real estate with no money, no job or no credit. All you need is the desire to learn and the willingness to take massive action. Like many people, you have probably thought about getting into Real Estate Investing yet, like many people, you have always thought that you needed the down payment to purchase that property. Nothing could be further from the truth. In fact, I would recommend that you NEVER use any of your own money when getting started in real estate investing. Sure you have seen all the TV Shows showing you how you can make "big bucks" buying and flipping houses. However, what they don't show you is all the investments that "fail'. Unless you know what you are doing and have the time and money to do it properly, there is a high probability that you will lose money. Yes, the upside is that you make more money, but the risk is still there. This book provides you with all the strategies you would need to get started in real estate investing without using any of your own money. There are a lot of books out there that claim to show you how to get started in real estate investing with no money down but none of them, that I have found, focuses specifically on Lease Options as a strategy to do it. In this book you will learn the various ways you can acquire properties using none of your own money. You will learn the different types of Lease Option strategies and when to use each one. You will learn the different ways to make money in each Lease Option transaction. You will learn the different types of exit strategies and how to protect yourself from losing money when you sell. You will Learn about all the contracts that are required for a lease option transaction.

The TurnKey Investor's 'Subject-to' Mortgage Handbook

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Author :
Publisher : Ascend Beyond Publishing
ISBN 13 : 0971394741
Total Pages : 258 pages
Book Rating : 4.9/5 (713 download)

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Book Synopsis The TurnKey Investor's 'Subject-to' Mortgage Handbook by : Matthew S. Chan

Download or read book The TurnKey Investor's 'Subject-to' Mortgage Handbook written by Matthew S. Chan and published by Ascend Beyond Publishing. This book was released on 2005-08 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: This exciting new book is in Oversized Manual book format. It contains information not found in any business paperback book (to date) except in real estate courses costing hundreds of dollars. For the first time, this type of "inside information" of "subject to" mortgage transactions are being provided to the general public in a professional and realistic way. This book does NOT cater to the "no money down" or "no credit" audience despite the fact that using the "subject to" mortgage financing technique requires no credit. This book is NOT recommended for the beginning investor as the demands for doing "subject to" mortgage transactions require a greater degree of prerequisite knowledge and experience. This book is for the intermediate investor who wishes to expand their financing possibilities in building their own property portfolio. Accompanying the book are supplementary reading material and accompanying support website.

Real Estate Investing with Lease Options

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Author :
Publisher : Jim Pellerin
ISBN 13 :
Total Pages : 144 pages
Book Rating : 4./5 ( download)

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Book Synopsis Real Estate Investing with Lease Options by : Jim Pellerin

Download or read book Real Estate Investing with Lease Options written by Jim Pellerin and published by Jim Pellerin. This book was released on 2024-03-02 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here Are A Few Of The Topics We Cover ... The best real estate investment strategy that everyone can use ( ... it's one of the best income-generating strategies and should be considered as part of your short-term income strategy.) Why lease option investing is the real nothing down deal ( ... it's definitely not like the other ways you learned about. Those are not really nothing down. I'll show you the real ones.) What is Lease Option Investing or Rent to Own investing ( … and how it is structured. We show you how to set up the 3 different structures.) What are the different types of Lease Options (... there are at last 3 and you'll really like the 3rd one. Some require funds … some don't.) Find out how you make money with Lease Options ( ... there are short-term and long-term income sources. Learn how to maximize each one.) We show you why Lease Option investing is a WIn-Win-WIn investment ( ... there are 3 parties that benefit from Lease Options. We show you how Lease Options provides wins for all 3 parties.) Find out how Lease Option investing fits into your bigger strategy? ( ... It should be part of a bigger strategy that includes short term income goals and long-term equity goals.) We describe why motivation should be the #1 thing you look for ( ... and it's not just motivated tenants you will be looking for. There a few motivated parties you will want to look for.) Discover how to finance your lease option investment ( ... only one of the 3 strategies requires you to use money. The other 2 require you to use joint ventures. We show you how.) Find out who your #1 motivated seller is ( ... I think you will be surprised. I know I was and I came by it by mistake. And we show you how to find those people.) Find out the 4 ways to acquire a property for use as a lease option investment ( ... again it's all about motivation. We show you where to find them). Learn how to find motivated sellers. ( ... you will be surprised who some of these motivated sellers are.) Find out how to find tenant buyers ( ... it's all about networking with your real estate professionals. We show you how to build up your network and how to pitch people to work for you.) Discover what is the right advertising that works ( ... it has changed a lot over the years. We show you what makes sense for what type of lead you are looking for. It's different when looking for sellers or buyers or investors.) Find out why your mortgage broker can be your best friend ( ... we will show you how a mortgage broker can really help speed up your results and help you grow faster.) Learn how to use Social Media to promote your service ( ... we show you if Facebook or Instagram makes sense and what's the best way to implement and leverage these platforms.) We will show you why working with a realtor has lots of advantages ( ... we will show you how to use them for more than just buying or selling your properties.) We will show you how to structure a lease option agreement ( ... a lease option agreement can be between you and a seller; or you and a buyer.) We will show you how to charge more than market rents ( ... why lease options can charge higher than market rents and still get willing tenants.) We will show you how to get your tenant-buyer financed ( ... the biggest challenge with lease options is to get the tenant financed at the end of the deal so they can actually purchase the property.) We will show you the different contracts to use ( ... this will be different depending on the type of lease option you are using and the way in which you decided to structure the deal.) We will show you why you need a lease agreement ( ... part of doing a lease option is setting up a lease agreement. We will show you why this can actually help you.)

The Turnkey Investor's Lease-option Documents Collection

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Author :
Publisher : Ascend Beyond Publishing
ISBN 13 : 0971394709
Total Pages : 66 pages
Book Rating : 4.9/5 (713 download)

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Book Synopsis The Turnkey Investor's Lease-option Documents Collection by : Matthew S. Chan

Download or read book The Turnkey Investor's Lease-option Documents Collection written by Matthew S. Chan and published by Ascend Beyond Publishing. This book was released on 2005 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Newly Revised for 2005! Essential Real Estate Contracts, Agreements, and Forms for Lease-Option Transactions! This one-of-a-kind Manual includes essential baseline documents (blank forms and filled-in samples) for the Lease-Option Investor. These powerful, specially-written documents are the ones actually used and implemented in the field by the Author! These Lease-Option documents would cost a small fortune in attorney fees if you asked them to create and write them for you from scratch. There are documents within this collection not found anywhere by any other author. These easy-to-use and customizable documents are designed to give the Landlord maximum protection against even the most difficult Tenants. This Manual includes: * Residential Lease Agreement * Appliances Policy * Vehicle Policy * Pet Policy * Move-out & Abandonment Policy * Renters Insurance Notice * Property Inspection Affidavit * Purchase Option Agreement * Lease with Purchase Option Receipt * Security Deposit Agreement * Administrative Fee Agreement * Owner-Finance Disclosure Statement * Lease-Option Disclosure Statement * Release from Lease Request A CD-ROM with Microsoft Word-compatible files and MP3 Audio Commentary is included with this extremely valuable package. Additionally, one-year of free updates is provided through the publisher.

Ultimate Beginners Guide to Real Estate Investing

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Author :
Publisher : Jim Pellerin
ISBN 13 :
Total Pages : 189 pages
Book Rating : 4./5 ( download)

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Book Synopsis Ultimate Beginners Guide to Real Estate Investing by : Jim Pellerin

Download or read book Ultimate Beginners Guide to Real Estate Investing written by Jim Pellerin and published by Jim Pellerin. This book was released on 2023-04-20 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most people who want to get started with Real Estate Investing, have no idea how to get started. Or worse, they have some idea how to get started but it is the wrong strategy for them. This book provides an overview of how to get started in Real Estate Investing. This book is NOT a practical approach to real estate investing and the reader is NOT expected to be able to start investing in real estate after completing this book. In this book, you will learn enough information to be able to decide what type of real estate investing they should pursue.

Real Estate Investing

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Publisher :
ISBN 13 : 9781087814124
Total Pages : 112 pages
Book Rating : 4.8/5 (141 download)

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Book Synopsis Real Estate Investing by : Glenn Nora

Download or read book Real Estate Investing written by Glenn Nora and published by . This book was released on 2019-10-22 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inside this book you will discover: - Creating passive income with real estate - Property wholesaling - Rental properties - Property management - Vacation rentals - Turn key properties - Commercial real estate - REITs - Flipping houses - And more

Profiting with Lease Options

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Author :
Publisher : Trafford Publishing
ISBN 13 : 1426988133
Total Pages : 296 pages
Book Rating : 4.4/5 (269 download)

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Book Synopsis Profiting with Lease Options by : Dave Ravindra

Download or read book Profiting with Lease Options written by Dave Ravindra and published by Trafford Publishing. This book was released on 2010-03-17 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Real Estate Investing is a business that requires specialized knowledge if you want to become successful in it. Having the right knowledge can help you overcome difficulties in bad times and reinforce confidence in good times. It will also help you explore and exploit your hidden potential. This book shows you the techniques you need to know in order to complete successful lease option transactions. The topic has been thoroughly researched and you will find that no question has been left unanswered in this book. After reading this book, you will never again allow an investment opportunity slip through your fingers. This book is precisely what both the Canadian Marketplace and Canadian Real Estate Investors are looking for. Dave Ravindra's means of communicating complex concepts in an easy to read style helps even the beginner investor grasp on to the process of working with lease options.

How to Invest in Real Estate

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Author :
Publisher : Biggerpockets Publishing, LLC
ISBN 13 : 9780997584707
Total Pages : 280 pages
Book Rating : 4.5/5 (847 download)

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Book Synopsis How to Invest in Real Estate by : Brandon Turner

Download or read book How to Invest in Real Estate written by Brandon Turner and published by Biggerpockets Publishing, LLC. This book was released on 2018-10-31 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the many years that we've been serving real estate investors, one of the most asked questions on our site has been, "How Do I Get Started in Real Estate Investing?" New investors will love the fundamentals and even experienced investors will appreciate the high-level view of strategies they may have never even considered. Don't let some guru tell you what the right path is for you. Read How to Invest in Real Estate and see all the paths in one place, so you can make the best choice for you, your family, and your financial future. This book will help new investors get a firm foundation to build their investing business upon. With topics ranging from how to gain a solid real estate education, real estate niches, financing, marketing, and more, this book is truly the definitive guide for helping new investors learn the ropes.

The White Coat Investor

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Publisher : White Coat Investor LLC the
ISBN 13 : 9780991433100
Total Pages : 160 pages
Book Rating : 4.4/5 (331 download)

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Book Synopsis The White Coat Investor by : James M. Dahle

Download or read book The White Coat Investor written by James M. Dahle and published by White Coat Investor LLC the. This book was released on 2014-01 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!

Profit First for Real Estate Investing

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Publisher :
ISBN 13 : 9781737514817
Total Pages : 208 pages
Book Rating : 4.5/5 (148 download)

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Book Synopsis Profit First for Real Estate Investing by : David Richter

Download or read book Profit First for Real Estate Investing written by David Richter and published by . This book was released on 2021-12-03 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: It's time to stop living deal to deal. Real estate investors have systems for almost everything-to make the phone ring, to find deals, and to fix, rent, and sell their properties. What they don't have is a system for their finances that ensures positive cash flow and profitability. This is why many investors end up scrambling to cover payroll, taxes, and even their own bills. In Profit First for Real Estate Investing, real estate finance expert, David Richter, reveals his simple cash flow system that not only makes "pay yourself first" possible; it makes it easy. Built on the proven Profit First method created by Mike Michalowicz, this system is tailored to the unique realities for real estate investors. Designed to help you reduce stress and build a healthy and profitable real estate company, this step-by-step guide will even show you how to get more deals using the Profit First System. Starting today.

The Intrepid Way

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Author :
Publisher : Ascend Beyond Publishing
ISBN 13 : 1933723076
Total Pages : 226 pages
Book Rating : 4.9/5 (337 download)

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Book Synopsis The Intrepid Way by : Matthew S. Chan

Download or read book The Intrepid Way written by Matthew S. Chan and published by Ascend Beyond Publishing. This book was released on 2006-06-21 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The TurnKey Investor's 'Subject-to' Mortgage Documents Collection

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Author :
Publisher : Ascend Beyond Publishing
ISBN 13 : 1933723106
Total Pages : 65 pages
Book Rating : 4.9/5 (337 download)

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Book Synopsis The TurnKey Investor's 'Subject-to' Mortgage Documents Collection by : Matthew Chan

Download or read book The TurnKey Investor's 'Subject-to' Mortgage Documents Collection written by Matthew Chan and published by Ascend Beyond Publishing. This book was released on 2007 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Complete Guide to Investing in Duplexes, Triplexes, Fourplexes, and Mobile Homes

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Author :
Publisher : Atlantic Publishing Company
ISBN 13 : 1601382065
Total Pages : 290 pages
Book Rating : 4.6/5 (13 download)

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Book Synopsis The Complete Guide to Investing in Duplexes, Triplexes, Fourplexes, and Mobile Homes by : Edith Mazier

Download or read book The Complete Guide to Investing in Duplexes, Triplexes, Fourplexes, and Mobile Homes written by Edith Mazier and published by Atlantic Publishing Company. This book was released on 2009 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is no secret that investing in real estate can significantly boost one's income. Mane people begin by investing, in single-family residential properties and work their way up to commercial properties such as duplexes, triplexes, and quads. However, moving from one to the other may seem like a big leap. This book will make the transition effortless, as it explains everything you need to know in easy-to-understand language and points out dozens of hints and suggestions. By reading this extensively-researched book, you will become knowledgeable in all areas of commercial real estate investing, including cash flow, appreciation, tax benefits, equity build-up and leveraging, due diligence, gross rental income, vacancy loss, operating expenses, debt service, zoning, triple net leases and contracts. You also will learn about the potential gains and losses, the consequences, loans, proven techniques, effective strategies, advantages and disadvantages of direct and indirect investing, and asset management techniques. Whether you are a new investor looking to get started or a seasoned veteran looking to enhance your portfolio, this guide provides you with all the information you need to accomplish your investment goals.