The Profit Newsletter For Atlanta REIA - September 2012

SEPT 2012 Atlanta Real Estate Investors Alliance SEPT 2012
PLEASE NOTE: Our next Atlanta REIA Main Meeting is being held on September 10th due to the Labor Day Holiday. The Main Meeting is also moving to the Crowne Plaza Ravinia Hotel located at 4355 Ashford Dunwoody Road in Atlanta. This will be our new meeting place each month until further notice.
Monday, Sept 10th

Crowne Plaza Ravinia Hotel 4355 Ashford Dunwoody, Atlanta, GA
MAIN MEETING
How to Get a Yes to Your Offer

By Don DeRosa
5:30pm - 9:00pm
to Text ATLANTA 9 to join 404-996-109 bil VIP List! our Momese ging rates apply sa
An agreement cannot be the result of an imposition ~ Nestor Kirchner

magine. You have a hot lead in your hands that could make you thousands in the next 30 days. Tens of thousands. Appears to be a decent house. Needs a little updating. Good neighborhood. Great schools. But the owner tells you hes talked to other investors. He tells you, Dont bother to come if all youre going to do is make a low offer. Sodo you go? Even if youre going to make a low offer. The answer is yes. Always yes. Youll go because youll get a yes to your offer. Youll be prepared. Youll do your due diligence and analyze the numbers. And unlike the other investors, youll have a tool that will explain the numbers, explain why your offer is reasonable. Your tool will negotiate for you. In fact, you will become the sellers advocate. Youll try to make the numbers work, for both of you. Even if your offer is tens of thousands less than the seller wants out of his house, you will get them to say Yes. Heres why. Having an objective basis for your offer makes the negotiating process much easier. So when you take the time to explain the numbers and the logic behind your offer, the seller both understands and appreciates it. Youll differentiate yourself because most other investors dont take the time to do explain their offer. And the biggest benefit of walking through the objective basis for your offer is that you get a series of yeses, or agreements. So when you ultimately make your offer, the only logical answer is Yes. Lets take a minute and review some basic concepts that will lead to that ultimate Yes. Heres a basic real estate truth: you make your money when you buy. You only realize it continued on p8
Standard text
IN THIS ISSUE
How to Get a Yes to Your Offer By Don DeRosa ........................................................................ 1 Atlanta REA Welcomes AquaGuard Foundation Solutions By Jeff Nix................................................................................ 2 About Atlanta REIA.................................................................4 The 5 Most Common Reasons Why Real Estate Investors Fail Today By Larry Harbolt ...................................................................... 5 Is This House a Deal or No Deal? By Russ Hiner........................................................................... 6 No More Excuses for Not Having a Mobile Marketing Platform! By Mike Barnes ........................................................................ 9 The Truth About Securitized Mortgages By Bob Massey ...................................................................... 11 Just How Smart is Co-signing a Debt? Part 2 By Erven Kimble..................................................................... 12 What About George?! By Jim Hitt ............................................................................. 13 Housing Inventory Down Prices Moving Up By Deborah Harris.................................................................. 17 The Fellow Investor By Michael Vazquez ............................................................... 18 Real Estate + The Internet = The Perfect Marriage Part 3 By Tony Pearl ......................................................................... 20 How to Sell Houses in a Down Real Estate Market for Full Market Value! By Robyn Thompson .............................................................. 21 So Sue Me By Kathy Kennebrook............................................................. 23 Signatory Authority For Your Closings By Attorney Craig Halperin..................................................... 26 Foreclosure Tours: Fun, Informative and a Fast Track to Invest! By Chris Littleton.................................................................... 28 Membership Application ......................................................30 Meeting Calendar.................................................................31 Calendar of Events................................................................32
Atlanta REIA, LLC
Don will be speaking at our Atlanta REIA Main Meeting on Monday, September 10th and will be back again on Saturday, September 22nd for a Full Day Workshop where he will teach you how to find and evaluate an abundance of leads, determine your exit strategies, structure the deals, negotiate with your sellers and get the paperwork completed quickly and easily to make doing successful deals easier than you ever thought possible. See http://atlantareia.com for more information.
2700 Braselton Hwy, Suite 10-183 Dacula, GA 30019 P: 678-701-7160 F: 770-216-1560 admin@atlantareia.com http://atlantareia.com
2012 Atlanta REIA, LLC All Rights Reserved. Quotation and reprint are not allowed without written permission of the publisher.
http://AtlantaREIA.com
Atlanta Real Estate Investors Alliance SEPT 2012
Business MeMBer spotlight
Atlanta REIA Welcomes AquaGuard Foundation Solutions

By Jeff Nix, Director of Business Membership
quaGuard has been associated with Real Estate Investment Associations for many years. They are sensitive to the wants and needs of investors because of their real estate involvement with due diligence periods as well as what is trying to be accomplished for either the seller or buyer. The options for repair can be very different. AquaGuards written price protection guarantee insures investors get the absolute best repair with the best nationally backed transferable warranty in the industry at the absolute best price. The AquaGuard mission statement reads: To create a positive, growth oriented, team environment allowing individuals to improve and promote their quality of life through the opportunities within the company achieving the highest standards for all in our industry. Through these goals we will out shine our competitors with professionalism and integrity, delivering the highest levels of customer service and quality workmanship available to far exceed our customers expectations. Says owner, Tom DiGregorio, Even though we are the most award winning company in our industry, we come to work each day building our reputation and never relying on it. AquaGuard is an independently owned and operated company in Marietta, Georgia. Wanting to build a company that stood out in the contracting industry, Tom DiGregorio founded his company on award winning principles like honesty, integrity and caring. AquaGuard is a member of the National Association of Waterproofing and Structural Repair Contractors
(NAWSRC). The company has a nationally certified contractor on staff. Also, they are proud members of the Greater Atlanta Home Builders Association and the Better Business Bureau (BBB). AquaGuard received the BBBs Torch Award for Market Place Ethics for six years in a row and for Customer Service in 2009 and 2010. You can find them on Trustdale.com, a great consumer web site. AquaGuard is also are the Home Reports best pick in their industry for twelve consecutive years and recipients of the Consumers Choice Award for business excellence in our industry for eleven years. These are just a few of their esteemed memberships and awards. Since 1995 AquaGuard has gained the respect and the business of thousands of homeowners throughout the metropolitan Atlanta area and they look forward to the opportunity to gain yours. AquaGuard offers a wide range of waterproofing and foundation repair services for the residential and commercial market. They specialize in transforming wet basements into dry healthy living spaces and converting crawlspaces into dry damp and mold free storage areas. The company also repairs cracks in poured walls as well as all types of structural repair from foundation settlement to cracked or bowed walls, and sagging
floor joist. AquaGuard offers competitive rates, quality workmanship and reliable and timely service with a nationally backed transferable warranty, most life of the structure. AquaGuard has the ability to satisfy all of your waterproofing and foundation repair needs with guaranteed satisfaction. AquaGuard Foundation Solutions 581 Webb Industrial Drive Marietta, Georgia 30062 770-419-9111 http://www.aquaguard.net/ Comment on this article online at http://atlantareia.com/?p=17631
Jeff Nix
678-776-8861 jeffnix@gmail.com
www.facebook.com/jeff.nix
Jeff Nix is a founding member of Atlanta REIA and serves as Director of Business Membership. Contact Jeff for more information on Business Memberships. Jeff is also the owner/ operator of Atlanta Carpet Services, Inc., which has been serving the real estate community throughout Metro Atlanta for over 20 years.
Would You Like to Make More by Working Less?

Is this really possible? Real estate expert, Don DeRosa says 15 hours a week is all you need to build short term cash flow and long term wealth by investing in real estate. Imagine taking any seller lead and creating a profitable, winning deal making thousands of dollars in profit where you thought there was none. Wouldnt this be nice? No more wasted marketing dollars. No more wasted phone calls. No more wasted time. If you want to learn how to make more and work less by investing in real estate, be sure to join Don DeRosa for a full day workshop How to Make $20,000 in 30 Days Tools, Tactics & Strategies to Create Winning Deals on Saturday, September 22nd from 8:30 AM to 5:00 PM at the Crown Plaza Ravinia Hotel in Atlanta, GA. Don will share the state-of-the-art tools and techniques he uses to evaluate and structure dealsso you can work less, earn more and spend your quality time doing what you want, when you want and with whom you want. Youll learn
H How to get your phone to ring off the hook with HOT leads within 60 seconds for less than $25! H How to put a tenant in a house and still make $20,000 before you even buy the house! H How to become a mind reader to find exactly what the sellers hot buttons are so you can craft a deal the seller wants to take!
H How to use Dons patented Green means GO, Red means NO tools to negotiate for youso that you never let your H The number one thing that will get your houses sold FAST! emotions talk you into making a bad deal! H The Secret to creating passive income of $350 or more H All this and so much more! per monthwithout using any of your own money and with NO management on your part!
How to Make $20,000 in 30 Days Workshop

Tools, Tactics and Strategies to Create Winning Deals
Crowne Plaza Ravinia Hotel, 4355 Ashford Dunwoody, Atlanta, GA
September 22nd from 8:30 AM to 5:00 PM
Register Online at http://20Kin30Days.AtlantaREIA.com
2 for 1 Early Registration Special
Gold Members $19.95
Silver Members $29.95
Guests $49.95
PLEASE NOTE: Workshop price is good for 2 people limited to spouses, children, partners & significant others. Guests who join Atlanta REIA between September 1st 10th can attend the workshop for FREE. When joining Atlanta REIA, please indicate you want to attend the workshop at no charge.
Atlanta REIAs mission is to help insure our members real estate success by providing affordable, quality real estate investing education; frequent, fun real estate networking opportunities; and ongoing community outreach programs to help build, renovate and repair homes for needy Atlanta families while improving our local community.
2700 Braselton Hwy, Suite 10-183 Dacula GA 30019 P: 678-701-7160 F: 770-216-1560 E: admin@atlantareia.com W: http://AtlantaREIA.com
Dustin Griffin Executive Director P: 678-701-7160 F: 770-216-1560 E: dustin@atlantareia.com Christine Griffin Assistant Director P: 678-701-7160 F: 770-216-1560 E: chrissy@atlantareia.com Jeff Nix Director of Business Membership P: 678-776-8861 E: jeffnix@gmail.com Gordon Catts Director of Programs, Leader of Movers & Shakers, Atlanta REIA South & Mountain REIA P: 404-454-3567 E: cattsgr@yahoo.com Alan McDonald Director of AVS, Leader of the Beginning Investors Group & Cashflow Group P: 770-369-0446 E: mcdonaldalan9@yahoo.com Joe Thompson Leader of Haves & Wants Meeting and Speed Marketing Session P: 770-403-3227 E: joethompsonjr@hotmail.com Karen Bershad Director of Membership & Leader of the Small Business Group P: 770-356-1234 E: karen@smallbusinessadvisor.biz Leslie Mathis Leader of Atlanta REIA West P: 678-895-1460 E: lesliemathismentor@yahoo.com Reginald Jackson Leader of Atlanta REIA South P: 404-427-8797 E: reginald_j_2002@yahoo.com Russ Hiner Leader of Creative Deal Structuring Group and Mastermind Group P: 404-660-4289 E: Russ@rhiner.com Aaron McGinnis Leader of the Gwinnett County Group P: 404-788-3625 E: aaron.mcginnis@craftbuilt.net Steve Brown Leader of Cash Cows Commercial Group P: 770-378-6235 E: chase_sb14@bellsouth.net Don DeRosa Leader of Mobile Real Estate Rockstars Group P: 678-410-7352 E: donderosa5@gmail.com Rock Shukoor Leader of I Love Marketing Group P: 678-938-4776 E: realrateb@gmail.com Michael Vazquez Leader of Spanish Investors Networking Group P: 678-951-9222 E: michaelp.vazquez@gmail.com Bob Massey Leader of Short Sale & Foreclosure Group P: 706-816-9820 E: bob@foundationpublishingllc.com Kristin Mack Director of Savannah REIA P: 817-851-7788 E: kemack@gmail.com Mark Galey President of Fuller Center of Atlanta P: 404-867-3258 E: mark@magnetconstruction.com
LEGAL DISCLAIMER: Atlanta REIA, LLC promotes practical knowledge of real estate investment though education, discussion and networking. The information, views and opinions expressed in the publication do not necessarily reflect the views, policies and opinions of Atlanta REIA, LLC or any of its members and sponsors, nor does mention of certain trade names, products, services, individuals or organizations imply endorsement by Atlanta REIA, LLC or its members or sponsors. The information presented in this publication is made available for informational purposes only and is not to be construed as financial or legal advice which should only be obtained through a competent attorney, accountant or other qualified professional advisor. Atlanta REIA, LLC does not pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. Atlanta REIA, LLC recommends you perform your own due diligence and seek appropriate legal, accounting, or other professional advice before making any investment. Atlanta REIA, LLC disclaims any and all liability for any actions or inactions taken by readers of this informational material or as a result of communications from or to its officers, directors, employees, contractors, partners, members, sponsors and affiliates.
www.Facebook.com/AtlantaREIA
2012 Atlanta REIA, LLC All Rights Reserved. Quotation and reprint are not allowed without written permission of the publisher. http://AtlantaREIA.com 4
Keep up to date with our latest opportunities by joining us on Facebook
Creative FinanCing is King
The 5 Most Common Reasons Why Real Estate Investors Fail Today
By Larry Harbolt
oday I am seeing all too many investors making mistakes that are costing them thousands of dollars of profit every year simply because they lack focus. Any truly successful investor will tell you that you must focus on what you are doing and become the very best at what you have chosen. Having been an investor for over thirty years, I learned there are five common reasons why many investors fail to make more money, especially in todays market of properties with mortgage balances higher than what the properties are worth and thousands more properties in the foreclosure process. Believe it or not, there are many more properties that are not over-leveraged and have a possibility of being bought at a fair price without wondering if a Bank will take your low-ball ALL CASH offer. To be able to better understand what the problems most investors face I want to talk about what I believe are the five most common mistakes most investors make. 1. They Dont Know Where to Find the Good Deals Most investors dont know what to look for. All too many investors are looking for deals in the same places all of the other investors are looking. If you want to set yourself apart from the other investors in your area you must have a different strategy in the way you are buying your properties. The smart and seasoned investor knows that not all of the properties you can make a substantial profit from are in the nice neighborhoods. The smart investor first builds a buyers list of potential buyers for the properties they find in all areas of town. Pretty houses are not the only way to make money in todays real estate market.
2. They Dont Know How to Thoroughly Analyze Every Deal Most investors today wouldnt recognize a good deal if they saw one. Most waste their time chasing unprofitable deals. Most investors today wouldnt know a good deal if it hit them in the face. Most use the PFA (Plucked from Air) or SWAG (Scientific Wild Ass Guess) method to determine how much they should pay for each property. These methods of determining the price you should pay for a property is unacceptable. 3. They Dont Know How to Effectively Negotiate Each Deal Most investors today dont understand Its All About the Numbers of each deal. Always calculate the numbers of each deal before making an offer to buy any property. They havent figured out that they cant borrow money from banks anymore. Banks arent lending to real estate investors today. They believe paying ALL CASH is the only way to buy real estate. This too is a fallacy that simply isnt true. Not every seller wants all cash, some want monthly income or dont want to be hit hard by taxes when they sell. They dont know how to Cold Read the people they are negotiating with. If you cant instantly build rapport with the sellers you stand little chance of creating a profitable deal. 4. They Dont Know How to Make Profitable and Sensible Offers Most investors today are afraid to make an offer. All too many investors who continued on p27
Dont Miss Our Atlanta REIA Live Webcasts

http://AtlantaREIA.com/Webcasts
Webcast schedule is subject to change. See http://AtlantaREIA.com/Calendar for the most up to date webcast schedule.
1st Tuesday Super Smart Technology Webcast 1st Thursday Training / Business Opportunity Webcast 3rd Tuesday Whats Hot in Real Estate Investing 3rd Thursday Training / Business Opportunity Webcast 4th Tuesday (Quarterly) Upgrade Your Prosperity Webcast 4th Thursday Evening with an Expert Webcast
Atlanta REIA Webcast Replays

http://AtlantaREIA.com/ Webcasts/Replays
Atlanta REIA Members can watch our webcast replays 24/7/365 by logging into http://AtlantaREIA.com
how to Be a real estate investor
Is This House a Deal or No Deal?

By Russ Hiner here is a house located in a working class neighborhood. The Realtor is offering it for $60,000. It is a 3/2 bath house in average condition, 10 years old and 1200 sq ft with a one car carport. Taxes are $950/year. Insurance is $850/year. The repairs are quoted by a shade tree contractor for $9,500. This would get you paint inside and out, carpet, counter top, and door knobs. The roof is 10 years old, the hot water heater is 3 years old, and the bath room is 10 years old. I figure since owner does not recognize that the house smells like smoke and cat urine, the 3 cats must be smoking 2 packs day and using the whole house as a litter box. The house has a floor plan of a split foyer, average schools, and average shopping. You live 45 minutes from the house. You like your house and you are not moving. The houses in the subject house area are selling for about $59.16/ SQFT. The rents in the area are $ 875/ month. Your situation is you have $12,000 for a down payment, repairs, and everything. What should you offer? To answer these questions...answer these questions. What is your exit strategy? How much cash do you have? How good looking are you? (This allows you to get more money) Do you know people how have cash? First off this does not fit Home Buyers of GA business model so I would make
Join Russ at the Creative Deal Structuring Group on September 5th to learn more about deal analysis.
an offer $28,500. I would pay cash (How boring!) I would wholesale it only. Your exit strategy: Buy and Hold. The payments are $397.38/ mo PITI cash flow with vacancy rate 10%, management 10%, or $95.00/month. $950$587.38= $287.62/mo cash flow. The total cash in the deal is $26,250 (Down payment $16,000 repairs $ 9,500 plus holding $750). The ROI is 13.1% cash on cash. This is why you need to get into the game! This why the foreign investors are coming to Atlanta. You dont have this money, so this is not an option for you unless you get creative. Your exit strategy: Lease Option. Same payments, same cash flow the difference is you get some of your money back faster lets say $3,500 option fee. This changes the ROI to 27.2%. You have this money so this is an option for you! The house needs a lot of work so HBG would pass on this lease option opportunity. For a great Lease Option you need to get in clean... really clean ...no repairs just cleaning. Your exit strategy: Buy, Fix and Sell. Chances of this working are slim. The price point and the After Repair Value is $70,000. You will do all of the work and lose money. But that is a discussion continued on p22
+ Voicemail + Virtual Faxing + 24-7 Live Operators + Online Management

Only
LIVE ANSWERING SERVICE
30 MINUTES
$30 per month

Or visit us on the web at
Haves & Wants Meeting

Every Thursday at 1:30pm
@ 5 Seasons Brewing located at 5600 Roswell Rd in Sandy Springs at the Prado.
Join us at the
877-774-1717
Be sure to ask for the REIA discount.
PRADO
QualityAnsweringService.com/ AtlantaREIA
http://AtlantaREIA.com 6
Goldmine Properties
Where Integrity & Character Matter
WHOLESALE REAL EStAtE
Financing Available!!
Purchase Price & Repairs are 65% of Certified After Repair Appraisal.
@ 65% LTV
(Loan to Value)
@ 12-18% ROI with 35% Equity !

tHIS IS AS GOOD AS It GEtS !!
The most difficult and important aspect of Real Estate Investing is finding the deal !!
RENtAL PROPERtIES
THIS IS OUR SPECIALTY
HUGE DISCOUNT!!
(Actual Property Inventory May Vary)
Buy a home like this at a
SINCE 1 996, WE HAV WHOLES E A OVER 1,7 LED PROPER 00 tIES !!
Step-By-Step Real Estate Success

As Atlanta's First Full Service Wholesaler. We Can:
1. Find you the deal @ 65% of the after repair value (includes purchase price and repairs). 2. Provide a certified appraisal to validate value. 3. Finance the purchase price and repairs. 4. Have access to our "in house" contractors to complete repairs for you. 5. Use our selling agents to sell your beautiful renovated home. 6. Use our leasing agents if you prefer to buy and hold. 7. We have just taken all risk out of the deal for you.
mcherwenka@aol.com H www.goldmineproperties.net
MIKE CHERWENKA
YES To Your Offer cont. from p1 when you sell. And heres a basic business truth: knowledge is power. Taken together, it means that before you go to the house to meet the seller before you ever make an offer youd better know what that house is going to cost you and what you can sell it for. It means gathering information and doing lots of due diligence up front. I know this is pretty basic. But a lot of investors are still using the old formulas, like MAO Maximum Allowable Offer, to evaluate and make offers on houses. The trouble I have with those formulas is that they dont help you explain the objective basis for your offer to your seller, which doesnt help you get that series of agreements that will lead to acceptance of your offer. So if you do your due diligence, youve already looked up the recently sold houses in the neighborhood. Most sellers base their estimate of their homes value on the for sale flyers in the neighborhood. When a seller tells you that their 3BR/2BA house is worth X because the house down the street is selling for X, you will politely tell them that the house was listed at X, but sold for Y, a lower price. Immediately you build credibility, because you will say it nicely, but authoritatively. You establish that youre a professional, and that you use objective information, and not just opinion or SWAGs, to evaluate their house. (And, you increase your credibility by pulling out your iPad and using the Zillow app to show all of the houses that were sold in the area!) After you build rapport, youll ask if theyll show you around the houses (getting a yes.) Youll take notes on all of the repairs that need to be done. Youll ask a lot of questions, eliciting yes responses. (Are these the original appliances? Has it been a while since the house was painted?) Meanwhile, you will explain to the seller that you renovate your houses with extra special touches to make them stand out and sell quickly. Then you will sit down and walk through the numbers with the seller. I have an evaluation tool that I use, but you can write the numbers down, or create your own spreadsheet.
Heres how the conversation goes when I review the numbers using my evaluation tool, the Easy Offer Maker: First, I explain that this is a tool that I use to evaluate houses, so I can account for all of the costs associated with the property in order to ensure that there will be a profit on the back end. Because of course, I wont be living in this house; Im buying this with the intent to make money on it. I ask, Youre ok with that, right? This is important. You need to make sure that the seller is ok with the fact that youre in this for a profit before you go any farther. This may seem intuitive, since youre an investor, but you still need to make sure they understand it, and get them to say Yes they understand it. I explain that my company has certain criteria I have to meet and thresholds that I have to pass in order to make it an opportunity well pursue. Taking the time to do this is important. It shows that Im a solid professional, that I have an objective basis to what Im doing. Im not just holding your finger up in the air to see which way the wind is blowing. Another benefit is that it also sets up my competition, so that if they dont go through a similar process, the seller might not see them in a similar professional light. And it gets the seller to continue to say yes. Then I walk through the numbers that go into my evaluation. And as I go over the numbers, I get agreement, or a Yes, as I describe what goes into each one. I review the four expense areas: acquisition costs holding costs repair costs (based on my walkthrough of the house with the seller so there should be no surprises!) selling costs Each time, I get them to agree that those are the costs that go into buying, rehabbing, holding and selling the house. These are real costs that I must consider if this is going to be a profitable deal for me. Theres
nothing magical to it and it makes it very clear why my offer is what it is. My offer naturally falls out of these numbers. And if the seller has agreed with each number as weve reviewed them, then my offer is just one more Yes in the process because its all based on the numbers. Its me and the seller against the numbers. I can only offer as much as the numbers allow. Unless the seller goes against every yes that theyve uttered during the negotiation, the only logical conclusion is that my offer is a valid one. And usually, theyll take it.
Its all in the numbers. And the beauty is, that if I get my yeses, then Ive got a profitable deal. Comment on this article online at http:// atlantareia.com/?p=17639
Don DeRosa
info@DonDeRosa.com
www.MobileRealEstateRockstar.com/Atlanta-REIA www.Facebook.com/Don.DeRosa www.Twitter.com/DonDeRosa Don DeRosa was recognized as one of the nations top 21 real estate investors in the New York Times bestseller The Millionaire Real Estate Investor. Don, who is a full-time investor, trainer, and mentor, is the first to offer his complete investing system on a mobile platform. Don teaches investors how to Make More and Work Less by being more efficient, productive and competitive, leveraging mobile technology and apps on the iPad, iPhone, Android and other mobile devices.
MoBile ready MarKeting strategies
No More Excuses for Not Having a Mobile Marketing Platform!

By Mike Barnes ave you created a mobile friendly version of your website(s) yet? If not, why not? Your customers are not going to wait until you do. Statistics are warning us of this! With more people accessing your website/blog, Twitter posts and Facebook posts using their smartphones, they are also visiting and seeing your marketing with a smartphones as well. If your website is not easily readable on a mobile phone, youre in trouble since many (or most) mobile users will simply leave your site and take their business elsewhere. More than half of all users say they wouldnt recommend a business with a bad mobile site. So even if you dont think you need a mobile version of your site, you could, in fact, be losing customers without one. Having a mobile friendly website, amongst other things, will render your images differently, helping on load times. Readability is also another huge concern. Your average mobile user will not want to spend much time trying to find the content that theyre interested in. The art to designing a good mobile website is to eliminate all the content that is not all that important for users to see on a smartphone. Consider providing a clean and easy way for customers to tap to call, tap to email or tap for directions which will help the overall functionality and effectiveness of your website on a mobile device. Did you know that 80% of all customers abandon a mobile site if they have a bad user experience? According to Google, 60% of users expect a mobile site to load in three seconds or less. 70% of the world now owns a mobile phone and in the US, its 9 in 10 people. Seriously, you have no more excuses for not having a mobile website!
Having a mobile website will also open your doors to literally hundreds of new and creative ways to drive traffic to your mobile platform. Using QR (quick response) codes will allow you to create unlimited campaigns that drive people to specific mobile friendly landing pages with calls to actions that work! It works because a properly created mobile landing page is similar to a squeeze page, effectively making people take action by entering their name and either entering an email or phone number (or both) for more information. Once you have a mobile friendly website, it only makes sense to next consider Text Message Marketing. It is easier for most to build a marketing list using text message marketing than building an email list. Using a good text message marketing platform will allow you to create polls, questionnaires, VIP clubs, special announcements and/or notifications. This will all help to keep you clients engaged and you will give them a great user experience by sending them to your mobile friendly landing pages. Using QR codes and text message marketing would be almost worthless without a good mobile website that you can send people to. With QR code and a good text message marketing platform you can create unlimited landing pages that you can use for any and each of the campaigns you create! The most important part of all this is that It is not your customers job to remember that you are in business and using the right tools in the most effective ways will al-
low you to keep in contact with current and future clients and prospects that may have otherwise forgotten about you. So, when considering your mobile website, understand that this will should also include other mobile marketing tools that you can use in concert with your new mobile website. Combining QR (Quick Response) codes and a Text Message Marketing campaign with friendly mobile ready landing pages will make you look like a superstar, not only with your clients, but to your peers as well. So heres to making your website mobile and taking advantage of the latest, coolest techniques that will keep people on your mobile website longer! Remember, keep it simple and keep it lightweight, and Ill appreciate browsing your site the next time Im wandering the internet with my mobile phone! Comment on this article online at http://atlantareia.com/?p=17635
Mike Barnes
863-221-1764 Mike@MobileReadyTeam.com
www.MobileReadyTeam.com Always taking advantage of the latest Internet Marketing possibilities, Mike Barnes has become recognized for his innovations using Social Media, Text Message Marketing, QR code Marketing and Mobile Website Design and Marketing.
American IRA Wants to be a Value Added Service to You or Your Business!
P We do business the old fashioned way.

of our clients needs.
At American IRA, we pick up the phone.
P We provide joint webinars which allows you to

high-light your services.
P We offer personalized service catered to each P We provide educational articles, live webinars,
and many other resources.
P We provide free copies of your webinar in CD/

DVD format for you to promote your services. your services on (certain restrictions apply). we understand your investment language.
P We have a resource page on our website to list P We are experienced in investing
P We have experienced IRA instructors who are

available for speaking engagements.
www.AmericanIRA.com Contact our office for any self-directed IRA questions you have or for a free consultation 1-866-7500-IRA(472) or info@americanira.com.
The Truth About Securitized Mortgages

By Bob Massey he majority of mortgages in the United States are sold into securitized trusts called REMICS and are not held as in-house or portfolio loans. All sub-prime loans are sold off in this way and have been since the late 1960s. The practice became especially common in the 1990s when the writing of sub-prime loans became more prevalent. Many prime loans also wind up sold as mortgage-backed securities. REMIC is short for Real Estate Mortgage Investment Conduit. They are investment vehicles which hold commercial and residential mortgages in trusts and then issue securities representing an undivided interest in these mortgages. Investors, such as insurance companies, pension funds, and wealthy private investors, buy these mortgage-backed securities. The securities are assembled into pools called tranches according to their level of risk. Higher risk mortgage-backed securities command higher rates of return. REMICs are managed by a trustee, often a large investment bank, and are governed by pooling and servicing agreements (PSAs). Often the note that is supposed to back the security never makes it into the securitized trust, or arrives after the date set for completion of the sale of the REMIC as set forth in the PSA. Clear violations of the PSA could cause the trustee to be fined, to lose special tax status, or to be sued by investors. In many cases the PSA does not allow substitution of a performing loan with a nonperforming one, and yet that is exactly what happens when foreclosure judges enter orders and judgments against loans
AtlantaREIA.com Website, Blog and Member Only Area Affordable, High Quality Educational Workshops & Seminars Fun, Frequent Networking Opportunities Weekly Special Interest Groups Meet Around Town Lunch & Learn Subgroup Meetings Wine & Dine Subgroup Dinner Meetings Atlanta REIA Main Monthly Meeting & Vendor Tradeshow
Atlanta REIA Member Benefits
in the pool. The anonymous investor or investors, who are never named as parties in the foreclosure suit, are left holding the bag for defaulted loans within the pool. The trustees, on the other hand, have been paid many times over. Each note can be resold in the form of a security inside the mortgage-backed trust as many as 30 times. If the mortgage has defaulted (90 days delinquent or more) the government backing from Fannie Mae, Freddie Mac or FHA, or private mortgage insurance, will have paid back the full value of the loan, even if it has been paid down substantially by the homeowner. The homeowner in default has absolutely no awareness most of the time that the holder of the note has been paid off already and yet the lender/pretender lender is also suing for the home and possibly for a deficiency judgment after the homeowner goes into default. The homeowner probably has never received notice that the note was quite possibly sold even before the loan was underwritten by investors of a mortgage-backed security. (The investors probably also dont realize that they bought a note even before it was underwritten, an action that was quite possibly counter to the rules of the PSA.) From the homeowners perspective the one they owe the loan to is the lender who presented them the mortgage papers, and yet very frequently that bank was just a pretender lender for the mortgagebacked security trustee ensconced in some Wall Street investment bank and their anonymous investors. As securitization expert and attorney Neil Garfield continued on p29
Learn From Home on Our Monthly Webcast Series Members Can Watch Webcast Replays 24/7/365 on AtlantaREIA.com Atlanta REIA Subchapter Meetings Community Outreach Programs Haves & Wants Speed Marketing Session and Weekly Meeting Monthly Atlanta REIA The Profit Interactive eNewsletter Weekly Atlanta REIA Email Announcements, Articles & News Volunteer Opportunities Member Discounts on Workshops Member Discounts from Local & National Vendors And much, much more!
Lowes Save up to 7% to22%
Atlanta REIA Member Discounts
Sherwin Williams Paint Save 30% to 40% Sherwin William Flooring Save on Carpet, Vinyl, Delivery and Installation Sears Commercial Save 4%-15% on all Appliances Nu-Set Save on Locksets, door hardware, security & lock boxes Build-A-Sign Save 15% on Signs, Banners, and Magnetics and other products and get Free Delivery on all orders And much, much more!
Join Atlanta REIA today!

http://AtlantaREIA.com/Membership
Become a Member of Atlanta REIA for as little as $100/year. Businesses can join for as little as $150/year. See our Membership Application in this issue of The Profit or visit...
http://AtlantaREIA.com/Membership
11
Business By the BooK
Just How Smart is Co-signing a Debt?

By Erven Kimble My child, if you have put up security for a friends debt, or agreed to guarantee the debt of a stranger; if you have trapped yourself by your agreement and are caught by what you said follow my advice and save yourself, for you have placed yourself at your friends mercy. Now swallow your pride; go and beg to have your name erased. Dont put it off; do it now! Do not rest until you do. Save yourself like a gazelle escaping from a hunter, like a bird fleeing from a net. (Pr 6:1-5)(NLT)
Part 2
y definition, a co-signer is obligated to pay when the other person defaults on their obligation. A promise to pay another persons debt is an entrapment by ones own words. So when the borrower fails to make the payments, the creditor can come after the other person that has signed and agreed to be responsible for re-payment of the loan. In such cases, the borrower receives the benefit and the pleasure, and the co-signer receives the obligation and the burden to re-pay the debt.
to make if the person needing a co-signer is a family member or close friend with serious needs. In conclusion, no matter how compelling the reason, or how great the need to co-sign, if you cant afford (or not willing) to, pay off the entire debt without any regrets, dont sign the note. Just say NO! Lets explore a couple of ways to help a person who may have desperate needs with little or no financial means or collateral: #1 Determine what amount you can afford to give. The simplest and often the best way of helping someone who has a monetary need is to give what you can. This approach preserves friendships, protects against unintended negative consequences of damaged credit, and expresses a genuine concern. When helping in this way, make it plain that no repayment is expected from the person that is helped. If that person chooses to pay back the money, then fine. If not, there should be no love lost between parties and no busted relationships. #2 Offer to help in other ways. Offer to assist by first listening carefully to their needs and give whatever wise advice that you may have. For example, you may be able to give of your time to transport them, or allow them to use your transportation. Or perhaps you can offer temporary living quarters, food, clothing or other resources needed that may be generating the desperate
need for finances. Consider introducing them to someone or some organization you may know that can help or have additional resources. Thoughts to Ponder 1. Are you willing to use Gods wisdom to address co-signing? 2. Would you consider a student loan an exception to this rule? a. If so, why? b. If not, why not? 3. Have you thought about other recourses that may help someone in need? Comment on this article online at http://atlantareia.com/?p=17615
Even if the borrower pays on time, the full amount of the unpaid loan will negatively count against the co-signers debt-to-income ratios (DTI). This DTI formula is used to help determine if a person has more debt than they can handle. So, since the co-signer is also responsible for paying off the loan, that debt may hamper their ability to get a mortgage, other financing or other benefits that depend on a Scripture good credit score.
Erven Kimble
404-606-8909 ElegantHomesLLC@Yahoo.com
www.PeopleWhoBuyHouses.com www.Facebook.com/EAKimble
Erven Kimble is an accomplished pastor, teacher, author, community leader, licensed Christian Counselor and Real Estate entrepreneur. Erven is a visionary that has faithfully served as the Senior Pastor of a local church in Lilburn, Georgia for twenty years. The author searched the Book of Proverbs and Psalms and extracted wisdom that reference business and finances to produce the series of articles called Business By The Book. The purpose of these articles is to present time tested and proven Biblical principles in a way that is practical, relevant and beneficial to the average business person.
indicates an urgency to correct this financial trap
The scripture indicates an urgency to correct this financial trap. If you have made a pledge of surety (co-signed a debt), or pledged to pay if someone else fails to pay; go and quickly negotiate a settlement or pay it off. Then it would be wise for you to develop a strong dislike for the thought of co-signing for anyone. In our last article, we discussed other consequences of co-signing. It was made clear this can be a very difficult decision
12
Fast traCK to selF-direCted ira investing
What About George?! Like Many of Us He Dreams Big Will His Dream Come True?!
Jim Hitt, CEO of American IRA, LLC The Dream George L., a client of American IRA, LLC, wanted to purchase a 56 unit, 1.2 million dollar mobile home park inside his IRA account. The Details George was determined to make this dream a reality and worked hard in negotiations with the owner of the mobile home park finally settling on these details: Purchase price $1,200,000 Down Payment $200,000 from an old 401(k) plan Owner financing $1,000,000 at 6% interest A Word of Caution about Loans inside an IRA The American IRA account specialist informed George that the owner financing needed to be non-recourse to qualify for IRA financing. The account specialist explained further that non-recourse means the property is the only collateral; neither George L. nor his IRA can be held liable. George went back to the table with the owner and was able to negotiate nonrecourse terms for the owner financing. George is Self-Employed Why Does That Matter? It is important because George L.s selfemployed status means he qualifies for a Solo 401(k). Even though a self-directed IRA and a self-directed Solo 401(k) work in a similar fashion, there are some significant differences. UDIT applies to an IRA and does not apply to a Solo 401(k) on purchase money debt. This saves thousands of dollars that will stay in the Solo 401(k) and grow tax free. Purchase money debt is debt that is originated at the time of purchase. If George L. adds a second mortgage to the Solo 401(k), the second mortgage WILL be subject to UDIT. American IRA account specialist The explained the differences to George L. and then asked him to meet with his professionals to determine whether a self-directed Solo 401(k) was the right tool for him. George L. met with his professionals and decided a Solo 401(k) was the right tool for him. Living the Dream! George L. successfully completed the transaction purchasing the mobile home park. George was now the proud owner of his 1.2 million dollar, 56 unit mobile home park! Time to Refinance? In January 2012, George L. told his continued on p16
SAVANNAH REIA.COM
http://SavannahREIA.com
4th Monday 6pm9pm

of each Month
Meets on the
5320 Waters Ave Savannah, GA

Leaders Kristin Mack & Aislee Jackson
FOLLOW SAVANNAH REIA ON:

www.Facebook.com/SavannahREIA www. Youtube.com/SavannahREIA www. Twitter.com/SavannahREIA
13
Decatur, GA Example
Before
After
Financing with all Cash

Purchase price: Rehab Costs: Closing Costs: Insurance Costs: Lender Fee: Borrower Cash for Project: Contract Sales Price: minus Borrower Cash for Project: minus 6% Realtor Fee: $ 84,900.00 $ 33,000.00 $ 1,000.00 $ 333.33 $ $ 119,233.33 $ 191,000.00 $ 119,233.33 $ 10,500.00
Financing with a Lima One Capital Loan

Purchase price: Rehab Costs: Closing Costs: Insurance Costs: Lender Fee: Borrower Cash at Closing: Loan Amount: Contract Sales Price: minus 6% Realtor Fee: minus Down Payment: minus Loan Amount: minus 5-months Interest: Profit: $ $ $ $ $ $ $ $ $ $ $ $ 84,900.00 33,000.00 1,000.00 333.33 3,804.00 23,780.00 98,924.00 191,000.00 10,500.00 23,780.00 98,924.00 4,284.00
Profit:
$ 61,266.67 -
$ 53,512.00
Cash Remaining for Additional Investments $
Cash Remaining for Additional Investments $ 91,169.33
Return on Investment
51%
Return on Investment
191%
Lima One Capital http://www.limaonecapital.com 404.908.0080
NetWorth Realty http://www.networthrealtyusa.com 678.321.6061
Call one of us now for more information
What About George? cont. from p13 professional that interest rates are low and that he was thinking of refinancing the mobile home park that was held by the Solo 401(k). George kept in mind that The loan had to be non-recourse He needed to consult with a tax specialist because he would lose the exclusion from UDIT on any refinance of the mobile home park. He needed to determine if the interest savings was worth the UDIT that would now be due on a balance of $850,000. George L. met with his tax specialist and decided not to refinance. Key Point The IRS allows an IRA to borrow money, however the borrowed money is not part of the retirement plan so there is a tax assessed call UDIT. UDIT applies only to the borrowed portion of the transaction. (As mentioned earlier purchase money debt inside a 401(k) is exempt from UDIT). Example: 100,000.00 purchase price 60,000.00 from the Ira and 40,000 from a non-recourse loan. The UDIT income tax is assessed only on the 40,000 that was borrowed after taking all the normal deductions that are available to real estate investors, such as depreciation, interest, maintenance etc. Now you may be thinking, Why do I want to pay taxes inside my IRA? There are three reasons to subject your IRA to UDIT:
Leverage is the key to real estate investing. profit made outside an IRA are All taxed at every level. Profits inside the compound tax deferred depending on the type you have until they are at the age of 59 . Disclaimer American IRA, LLC does not give investment advice. They do offer guidance as to the rules and regulations related to their self-directed accounts and the benefits of different account types so that their clients can take that information to their professionals to discuss the ramifications of various decisions on their individual situation. For more information, or to explore your options, call American IRA today at 866-7500-IRA (472). We look forward to working with you. Comment on this article online at http://atlantareia.com/?p=17617 IRA will or tax free of account distributed
Solutions that help you Make More. Work Less.

Use your iPad, iPhone, or other mobile device, anywhere, to H Find comps and rental rates H Sign and send contracts H Plan your entire rehab H and so much more!
Jim Hitt
800-750-0472 JimHitt@AmericanIRA.com
www.AmericanIRA.com www.Facebook.com/AmericanIRA www.Twitter.com/IRAExpert
Jim Hitt is the Chief Executive Officer of American IRA, LLC and has been committed to all aspects of investing for more than 30 years, using selfdirected IRAs for his own investments since 1982. Jims forte is the financing and acquisition of real estate, private offerings, mortgage lending, businesses, joint ventures, partnerships and limited liability companies using creative techniques.
Check it out NOW! 5 Day trial for Only $1

Make More. Work Less.
MobileRealEstateRockstar.com/Atlanta-REIA
GO tO:
Keep up to date with our latest opportunities by joining us on Twitter at www.Twitter.com/AtlantaREIA

MarKet Matters: MaKing statistiCs MaKe sense
Housing Inventory Down Prices Moving Up

By Deborah Harris
View all associated charts and comment on this article online at http://atlantareia.com/?p=17625
f you are one of those investors that have been waiting for the bottom, youve missed it! Foreclosures are seeing multiple offers with up bidding because these are the properties that are perfect for investors wanting high cap rates from rentals. Monthly sales were considerably stronger in January through May compared to both of the last two years and June sales will likely be equal or higher once lagged closings are processed. The usual seasonal low points in January were higher in both 2011 and 2012, possibly indicating a firmer base for continued sales growth following distortions caused by government purchase incentive programs in 2009/10. While sales have increased during 2012, the number of Active Listings in Atlanta are at a 12 year low. The good news for the Atlanta Real estate Market is that 2012 Metro Atlantas home prices reversed months of declines. As noted in Chart 3, for the first time since the second quarter 2010, the second quarter median sales price increased by 5.9 % (the 2010 exception occurred during the period of government purchase incentives early in 2010, after which the effects of a large inventory of distressed properties again took over) Monthly median sales prices reached another new low point in January, 2012 (Chart 4). A strong, steady increase during 2012 will be watched to see if the lower inventory and increased competition for inventory will continue to overcome the effect of a
large quantity of distressed properties and allow prices to continue to rise. Median Sales Prices shown monthly, by year, illustrates the degree to which prices have declined compared to other recent years. For the first time, median sales prices have increased over the previous year (Chart 5). Short sales and foreclosure sales add up to make distressed sales, shown here in Chart 6 as a percent of total sales. The percentage of second quarter 2012 distressed sale transactions was -6.5 percentage points lower than in second quarter 2011 and down by -15.2 points from first quarter 2012. Shown by price range, Chart 6 demonstrates the degree to which distressed sales are present in all price groupings. Nearly 3 of every 4 sales in the <$100K price range were distressed property sales during second quarter 2012. But, with less listings inventory, the percentage of Total Sales that are distressed dramatically increased. In fact, over 44% of second quarter 2012 sales are distressed (Chart 6). What does this mean for Investors? Lowball offers on high-value properties may result in missing out on a great opportunity. Prices are still low, but most properties under $200,000 are experiencing multiple offers with agents calling for highest and best offers with deadlines. Median Prices will most probably con-
tinue rising especially in many markets of north Atlanta. The quantity of distressed properties is still quite high and afford opportunity for those looking to acquire great deals for rental or flipping. Although cap rates on most rentals are above 10% for properties under $200K, cap rates are declining with the competitive nature of multiple offers causing prices to increase. As a matter of fact, over 20% of sales are over list price last quarter and that number is rising. Quick action and serious offers are required when highvalue properties are found. In summary, cheap properties, low interest rates, and high cap rates make this the most opportune time in our history to be buying real estate. Dont miss out on the greatest time to be building great wealth in Real Estate. View all associated charts and comment on this article online at http://atlantareia.com/?p=17625
Deborah Harris
404-272-9827 AtlantaRealty@KW.com
www.CommercialRealtyExperts.com www.Facebook.com/AtlantaRealty www.Linkedin.com/in/CommercialRealtyExperts www.Twitter.com/CommercialKW
Growing up In Atlanta, Deborah Harris has watched this city grow into the world recognized city that it is today. Licensed as a real estate agent in 1981, Deborah has several thousand transactions to her credit, numerous awards (The Phoenix Award from the Atlanta Board of Realtors and Top Commercial Agent from Keller Williams Southeast), and dozens of Realtor designations, Deborah, loves negotiating the deal, prides herself on the best internet marketing of properties, and is still is passionate about real estate. We are the team where experience and technology connect. Let the hardest working Realtor in Atlanta work for you, too!
Keep up to date with our latest opportunities by joining us on Facebook at www.Facebook.com/AtlantaREIA
17
FroM ContraCt to Closing
The Fellow Investor

By Michael Vazquez Up to this point the sellers that have been mentioned had no interests in being investors. They usually saw the extra property as a burden of some sort. Now negotiating with a fellow investor is different because they know the value of their property and/or its potential. When negotiating with an investor you need to be at the same experience level. If you are new to real estate investing and are trying to fake it til you make it in negotiating with seasoned investors, they will see right through you and move on to another buyer. Admit that you are new to investing and the selling investor may even cut you a deal to assist you in getting started. There are two distinct seller investors one of which are investors selling to retire or just wanting out of investing and then there are investors that are just checking to see what they can get for their property but are impartial to whether is sells or not. The selling investor that is selling to retire and/or stop investing is the seller you are looking to buy from. The selling investor in this category that is selling to retire has already spent his profits in his mind and wants the money ASAP to make it a reality. They are not going to take low ball offers but they will take a reasonable low offer to realize their dream sooner. This seller may also still love being an investor but due to his age can no longer deal with everything that comes along with it. In this instance, you may have found yourself your first owner financed property. Remember, you never know unless you ask. The selling investor that no longer wants to be involved in investing is usually because all the things that could have gone wrong did go wrong. They want to sell and sell fast! However, because they have already spent money correcting everything that went wrong they are trying to make up for it on the sales price. Do not present your all cash, no contingency offer to this seller over the phone. Present this offer in person and be prepared to support your offer. You will then need to explain to this seller how much more he will potentially loose if he does not sell. An investor that is not attached to his property is a smart investor. If you ask any successful investor if he has any properties for sale he will probably reply with,
All my properties are for sale for the right price. You can save yourself plenty of time if you can identify this type of seller early. This selling investor is happy cash-flowing his properties and now and again will test the market to see what he/ she can get for the properties while they are between tenants. If you realize this is the seller type you are dealing with, just move on. They will be there again in a few months when another property becomes vacant. By move on I mean stop negotiating but do not loose contact. Eventually, at least we hope, this seller will become the seller type we are looking for and we will be there to make the right offers. There are tons of scenarios in which a selling investor decides to sell but these are the few I have seen to be the most common. The one thing that still remains constant is to make a win-win offer and execute. Comment on this article online at http://atlantareia.com/?p=17619
Michael Vazquez
678-951-9222 MichaelP.Vazquez@Gmail.com
Michael Vazquez has been offering properties to real estate investors significantly below market value since 2006 in both Texas and Georgia. Michael is always looking to for more investors to work with.
Advertise Your Business in The Profit
Atlanta Real Estate Investors Alliance
If youre looking to reach the Real Estate Industry here in the Greater Atlanta Metro Area and throughout Georgia, you cant do better than The PROFIT. Your ad will reach more than 10,000 each month with your message. Our production teams are among some of the best designers in the country. We make you look GOOD!
When youre ready to get started, see our Advertising Rates in this issue and then call Christine Griffin at 678-701-7160 or email admin@atlantareia.com.
http://atlantareia.com/the-profit/advertising-rates
For more information or to register online http://ForeclosureTour.AtlantaREIA.com
Real Estate + The Internet = The Perfect Marriage Part 3

By Tony Pearl ello again! Picking up from where we left off last month, we were discussing how almost everyone now has a smartphone, email, Facebook, and they read their text messages within 5 minutes of getting it. We also discussed how most other types of traditional media are on the way out: Yellow Pages, newspapers, etc. Basically, everyone is using the internet these days. So if youre in business, you need to not only BE on there, you also need to position yourself correctly AND take advantage of the emerging technologies that your prospects are using to possibly find you. This includes having an optimized, converting website. Please look at Part 2 of this series to see what needs to be on your site. Contact me if you need help with this. So, Id suggest you get that website set up first. Use the ideas that were presented earlier to get your content together, and ALWAYS try to answer the main question your visitor is asking himself as he looks at your site: Whats in it For ME? After you have your site together, you can take that content and use it to set up your Facebook Fan Page. Again, do a Google search on a recent post to see
pearls oF wisdoM
how this is done, because theres not enough space in this article to teach you. But basically, youll just sign in to your existing Facebook account & set up a Fan Page from there. Look for the links. Quick FB Tip: Get some fast likes by posting on all your friends walls, letting them know about your new Fan Page, and asking them to Like it. This will help get the word out AND gather a few likes so that when your prospects find you there, theyll see that other people Like you, so they should do the same. Yep, this is whats called Social Proof, boys & girls! And its what Facebook is all about. Moving on, head on over to Twitter (http://Twitter.com) and set up an account over there, too. Tie it in to your website. You might want to do the same with YouTube and Pinterest, too. Use This To Set Up Your Website: Id suggest you set up your website with the hottest, best platform available today: WordPress! With WordPress, making and managing websites is a snap. Sure, theres a learning curve, but its well worth it. And you can easily add content, change the appearance, and get
traffic with a good Wordpress site. You can get started for free AND learn how to use it at http://wordpress.com, but eventually, youll definitely want to have your own hosted domain & use the version at http://wordpress.org (software). Again, contact me for help with this if you need it. I Know What Youre Thinking: Wordpress website. Facebook. Twitter. YouTube. Pinterest. Holy Crap! Thats a lot of stuff to manage! And youre right. It is Especially when you add Text Message Marketing & Emails to it all. But guess what? Ive got the hook up for you! After you have all your content together and your website & social media is set up, youll definitely need to take advantage of the technology available to save yourself a TON of time. If you do it the old way, heres what youd have to do: Write something valuable for your prospects. Add it to your website. Log in to Facebook & post it there. Log in to Twitter & post I mean Tweet it there. Log in to YouTube & do it there. Log in to You get the idea. But what if there was a way that you could write something ONCE & blast it out on ALL those places (once you have them set up) simultaneously? And what if making that ONE post would bring you even MORE targeted TRAFFIC to your sites, and therefore attract MORE PROSPECTS AND LEADS to you like steel to a big-ass magnet?! EXTREMELY IMPORTANT, TIMESAVING TIP: Theres actually a lot of continued on p25
LAtE NItE NEtWORKING

at the Meeting-After-the-Meeting
We meet at the Tilted Kilt Perimeter located 1155-B Mount Vernon Highway in Atlanta right after our Atlanta REIA Main Meeting.
Join us for
PERIMETER
20
How to Sell Houses in a Down Real Estate Market for Full Market Value!
Robyn Thompson, The Queen of Rehab s this depressed housing market making you nervous? Are you thinking that you cant make money when real estate prices have dropped by as much as 50%? Do you think it is impossible to sell a house in todays market? If you answered yes to any of these questions, this special report was written for you. Many real estate investors are shying away from the ugly house business right now because they fear selling houses in a depressed real estate market. We have all heard the horror stories of real estate investors who lose their shirt because they get stuck with a property they just cant sell or rent. I am here to tell you that this does not have to happen to you, but there are nine rules you can never violate. Selling a house starts before you ever buy it. I start focusing on marketing strategies as I pull up in the driveway for the very first time, not after I purchased and renovated the house. Most untrained investors never focus on selling until after they have the property renovated and by then it is too late for most. Let me explain why in more detail.
Step #1 for selling a house starts with buying the right house that the majority of first time buyers would want to call home. The easiest mortgage money for a first time buyer to qualify for right now is for a FHA, VA or Conventional Financing. The good news is the down payments are low and the seller can pay most of the prepaid expenses and closing costs. The bad news is the buyers need good credit. Buyers with good credit scores are much more critical about the house they pick to call home. Real estate investors must be very selective with the homes they are buying, renovating and selling to ensure they can sell for a large profit. So here is the list of my eight houses to never buy: 1. Never buy a house on a busy street because most first time buyers have pets or plan on having a family and they will not buy on a busy street. Inexperienced investors who can buy houses dirt cheap on a busy street think they are great buys but they are not. They are tough to rent and hard to sell. 2. Never buy a tiny house that is less
than 1000 square feet. With a huge surplus of houses for sell right now, buyers have a ton of homes to pick from and the buy the bigger homes. Over 85% of the buying population wants at least three bedrooms. 3. Never buy a house with a small master bedroom. I will never buy a home where the master bedroom is smaller than 12 x 12. Most first time buyers already own the bedroom furniture. The furniture stores push the king size bed, huge dresser, amour, and two night stands for a low package price and that is what first time buyers purchase. If all these items wont fit in the master bedroom of the house I am looking to buy, then I wont buy the house at any price. Many inexperienced investors struggle with this. I have made this mistake early in my real estate career and I got the privilege of making 14 monthly payments on a house that I couldnt rent or sell because the master bedroom was too small. 4. Never buy a house in the war zone. Nobody wants to rent or buy in a high crime area. Contractors dont want to work there either. If you are new to an area and you are not sure about the crime rate contact your local police department and ask for the undercover detective that is assigned to that area and they will be able to provide you with the crime statistics for the area. 5. Never buy a house that is mixed use or next to a commercial area. Mixed use properties require substantial down payments of 20%-30% for
http://AtlantaREIA.com 21
PERIMETER
Join us for Education & Networking at the Meeting-Before-the-Meeting

We meet at the Total Wine & More located at 124 Perimeter Center W in Atlanta at 3:00pm before our Atlanta REIA Main Meeting.
financing which eliminates the majority of buyers. Remember you want your property to appeal to the masses not the minority. Most first time buyers dont want noisy commercial businesses near their home. Stay away from properties near low income housing, high tension power lines, train tracks, and sewer treatment plants. 6. Be careful if you are considering buying a property with no garage. I have purchased 303 houses during the past 13 years. I actually went back and looked at how long it took me to sell houses with garages vs. houses without garages. My average holding period to buy, fix and sell a house with a garage is 121 day. My average holding time for homes without garages is 239 days. Yes, that is correct it takes almost 4 months longer on average to sell a property without a garage.
7. Never buy a house where you can not correct functional obsolescence. Examples would be a house with low ceilings, narrow stair case, bad layout, because the flow of the rooms is weird or tiny bathrooms or kitchens that cant be expanded. 8. Never buy an entry level house in a flood zone because the insurance cost will be high. Most first time buyers are extremely sensitive to their monthly payments. The extra premium for flood insurance can make the monthly payment much higher than other houses in the same price range. So what is left to buy you ask. As a seasoned investor in a depressed real estate market, I can tell you that I am being more picky about what I buy than ever. I am only making offers on two out of ten deals that come across my desk because I want to sell at lightning speed. The fastest properties to sell are four bedroom
+ houses, over 1500 square feet in great school districts with garages, formal dining rooms and big master bedrooms. Comment on this article online at http://atlantareia.com/?p=17633
Robyn Thompson
352-351-8061 QueenOfRehab@Gmail.com
www.RobynThompson.com www.Facebook.com/Robyn.Thompson.169 www.Twitter.com/QueenOfRehab
Robyn Thompson is the nations leading expert on buying properties at deep discounts, renovating them at lightning speed and selling them quickly for huge chunks of cash. Robyn has rehabbed over 320 properties in her 15 years of investing and has actually rehabbed as many as 51 houses in one year. She takes her business very serious and runs it like a fine tuned machine and not just a hobby.
Deal or No Deal cont. from p6 for another day. You dont have enough money for this, so this is not an option for you! No private money lender in their right mind would fund this. Your exit strategy: Buy, Fix and Hold. There is a loan program out there 203k program that will provide the funds as a first time home owner. Home Path has a program also (I did research on it and was able to find out you as an investor could use the program.) This allows you to buy it and rehab it with investor money. You can get the rehab money rolled into the loan. This might be an option for you! Your exit strategy: Buy, Fix and Hold Using Hard Money. You dont have enough money to make down payment and the repairs. The loan will not cover the total amount to do the deal. For the investor who wants to get out of their job in the next 5 years, this is not a deal. The offer to make this a deal is $28,500. Comment on this article online at http://atlantareia.com/?p=17621
Russ Hiner
404-660-4289 Russ@RHiner.com
www.RHiner.com www.Facebook.com/1RHiner
Russ has been investing in real estate in Atlanta Georgia since 1981. His company currently controls apartment buildings and singlefamily properties in Georgia and other states. His focus is on raising private capital through Hedge Equity, LLC. Russ invests everyday. His knowledge and experience is current in the market. He is capitalizing on the needs, wants, and desires of the customer. He has a deep level of experience in building relationships with vendors, investors, tenants, sellers, and qualified buyers. He has the knowledge to negotiate contracts, manage rental properties, and make his co-investors wealthy. He enjoys taking properties which are virtually destroyed, renovating them, and creating a better community.
Domain Names for just

for first year with new, non-domain purchase. http://SuperSmartDomains.com Domain Names Web & Wordpress Hosting Email & Exchange Accounts SSL Certificates Marketing Tools and much more!
*Certain terms and conditions do apply. See website for details.
$1.99
22
MarKeting MagiC triCKs
So Sue Me
hroughout your life, no matter who you are or how you earn your living, you need to be concerned about protecting your assets. Your assets may include your home, vehicles, jewelry, boats, artwork, properties and whatever other assets you accumulate along the way. After all, you work hard for what you have and there are always going to be people out there who want something for nothing. The more money you have the greater a target you become, and youll want to protect yourself from frivolous lawsuits. In the real estate investing business this is especially true. The real estate business is one of those where you will be piling up assets quickly. If you are holding properties and you have tenants or tenant/buyers in your properties, this can make you an even bigger target for possible lawsuits. For this reason alone you want to be holding your assets in another entity, such as a land trust in order to keep your name off of public record. The main advantage to purchasing properties in land trusts or other entities is anonymity. If everything you own is in your own name, it makes it easy for someone who wants to sue you to find out what you have. If a plaintiffs attorney looks on public record and it appears that you have nothing, you are much less likely to be sued. If you are holding properties in land trusts, corporations or LLCs this prevents your name from showing up on public records; making it appear that you dont person-
By Kathy Kennebrook, The Marketing Magic Lady
ally own anything; and that is the whole idea. You want to hide your assets from creditors and predators. There are a lot of people out there who want what you have, but they dont want to work to get it. As you begin to grow your real estate business, you need to begin thinking about protecting yourself and your assets along the way. Make sure you begin working with a reliable real estate attorney who can help you grow and protect your business. Make sure they understand the importance of purchasing properties in land trusts or in entities that do not represent you personally. If they dont want to do things your way, find someone who will. In addition, you want to be thinking about placing other items of value that you own, such as bank accounts, jewelry, vehicles, boats or artwork in property trusts. This will protect these assets from showing up should you be sued for any reason. You also need to be working with reliable a financial planner and a CPA in your business in order to protect you assets by investing them well with a diverse portfolio. Your CPA will also help you hold on to your assets by finding ways for you to legally pay fewer taxes on the income from your business. The real estate business is one of those businesses where there are a lot of great tax deductions for you if you structure your business correctly. You also want to think about diversifying your assets so that you dont have all your eggs in one basket. As the markets con-
tinue to fluctuate this becomes even more important for protecting your assets. Your CPA and your financial planner can also help you structure your assets so that if something happens to you, your assets will be distributed to children, grandchildren, charities or whomever you choose in a way that is fluid with the least amount of taxes and stress. This way there is no question as to how the distribution of your assets will be handled if something were to happen to you and this can save your family a lot of hassles later on. Protecting your assets while you are still around to enjoy them is going to be very important to securing a future for you and your family. For more information on asset protection and all other aspects of real estate investing, visit my website at www.marketingmagiclady.com. Comment on this article online at http://atlantareia.com/?p=17628
Phone: 941-792-5390 KPaddler@ATT.net

www.MarketingMagicLady.com www.Facebook.com/Kathy.Kennebrook
Kathy Kennebrook is a speaker, author and has been actively investing in real estate since 1999, Kathy currently resides in Bradenton, FL and is known as the Marketing Magic Lady because she is the countrys leading real estate marketing expert on finding motivated sellers using direct mail.
Keep up to date with our latest opportunities by joining us on Twitter
www.Twitter.com/AtlantaREIA
Keep your Atlanta REIA Membership current and enjoy big discounts from these suppliers and many others in the Community Buying Group.
For more information, see http://Benefits.AtlantaREIA.com
The Perfect Marriage cont. from p20 options you could use to save yourself the time of manually getting your information out, but heres one of the easiest & fastest: Its called If This Then That. http://ifttt.com This is absolutely amazing. So check it out. It works like this: You define what you want to happen when something else happens. For example: IF you post something on your Wordpress website, THEN this will post it on your Facebook FanPage wall. Automatically. For Free! You can also have it Tweet that post on Twitter for you, automatically. Pretty sweet, right? Of course, youre probably still going to need a few Wordpress Plugins to do the rest of whats needed.
Oh! I almost forgot! Youre definitely going to need an email autoresponder! This lets you collect the email addresses of your website visitors and communicate with them at pre-determined times automatically. Heres what I use: http://aweber.com They have a great way to get started for only $1 for 30 days. Ok. Thats more than enough to keep you busy for the next month. Go take a look at all those things you learned, and well get right back at this in our next article. Its important to have your site looking good and working properly BEFORE you start to send the herds of traffic to it. Until Next Time, Tony Pearl
Comment on this article online at http://atlantareia.com/?p=17623
Tony Pearl
202-556-0670 Tony@TonyPearl.com
www.TonyPearl.com www.Facebook.com/TonyPearl www.Twitter.com/TheTonyPearl www.Youtube.com/TonyPearl
Tony Pearl is an entrepreneur, copywriter, proud father, mentor, marketing consultant and talented teacher who resides in the Washington, DC area. He has traveled to over 26 countries, speaks 4 languages, and continues to travel extensively. He has been a professional Ballroom and Latin dance instructor, competitor, and exhibitor for over 19 years. As a Real Estate Investor, Tony has bought and sold over Ten Million dollars worth of real estate, and has been educated by and associates with the best.
Want to stay plugged in and connected to Atlanta REIA from your mobile device?
Join our Mobile Real Estate Investor VIP List Just text AtLANtA to 404-996-1099
*Standard text message rates apply
Follow us online from your mobile phone at

http://M.AtlantaREIA.com http://Facebook.com/AtlantaREIA http://Twitter.com/AtlantaREIA http://Youtube.com/AtlantaREIA http://Meetup.com/AtlantaREIA
Subscribe to The Profit Newsletter & Email list at http://Subscribe.AtlantaREIA.com

thoughts FroM your attorney
Signatory Authority For Your Closings

By Attorney Craig Halperin eal estate investors must protect their assets by assuring that parties with sufficient legal authority execute purchase and sale agreements and other documents associated with their business. Failure to do so may result in voided transactions and a complete loss of title on the property. Multi-member LLCs, partnerships, and corporations are at greater risk for such oversights, but all investors who do business through asset protection entities should be aware of legal guidelines for real estate transactions in Georgia to avoid potential losses. In general, entities must be in good standing in the state in which it they were created to execute real estate transactions. Basically, this means, do not forget to pay your annual registration fees to the appropriate office each year, most likely the Georgia Secretary of States office. Furthermore, any person signing or executing documents on behalf of the entity must have the authority to do so on behalf of the entity. In order for a person to have legal signatory authority, such authority must be reflected in the entitys filings with the Secretary of State. Real estate investors who are entering into agreements with artificial entities can verify the authority of persons with whom they are dealing by checking the entitys filings on the Georgia Secretary of State web site. Recent changes in the filings that add or delete parties with authority warrant independent verification of the current parties with authority. Often, the attorney representing the entity can verify changes reflected in recent filings. Investors should also be aware that self-dealing real estate transactions improperly executed on be-
half of an entity are void; conveyancing or mortgaging of land by or to an officer of a corporation, partner of a partnership, member of an LLC, or parties to a trust (if the land is owned in the name of a trust) will not bind the entity itself if the person executing the documents has no authority to do so. Documents must reflect legally required procedure and identification to protect the validity of any real estate transaction. All signatures on real estate agreements and related instruments, including indemnities, and all notary or acknowledgement blocks, must properly reflect the authority or capacity of the signer. Hypothetically, a signature block that read, ABC, LLC by Jane Smith, Manager would be legally sound, but a signature block that simply read, Jane Smith would be insufficient. When directors or other entity officials are located outside of the United States, all signatures on any documents, including corporate resolutions, are to be acknowledged pursuant to foreign notarial guidelines of the United States, including terms of the Hague Convention, if applicable. There are specific guidelines in Georgia that govern authority of parties acting on behalf of limited liability companies. A managing member is an agent of the LLC for purpose of carrying on ordinary or usual business. An act of a managing member that is not apparently done for the purpose of carrying on ordinary or usual business will not bind the LLC unless all members authorize the act. Closing attorneys must approve any transaction not in the ordinary course of business or not specifically allowed under an LLCs operating agreement, including, but not limited to, execution by a man-
aging member of a deed in lieu of foreclosure without the consent of all members, including all non-managing members; execution of a mortgage involving cross-collateralization with different borrowers (even with some commonality among borrowers) without consent; execution of a mortgage where the proceeds of the loan are going to an entity other than the mortgagor LLC; and transactions where the LLC or its property is rolled up, merged, contributed, or converted to or into another entity. A good closing attorney should be able to keep real estate investors abreast of Georgia real estate transaction requirements. If you have any questions or concerns about how to best conduct real estate transactions through your asset protection entity, or if you have concerns about the authority of persons signing on behalf of an entity with whom you do business, your closing attorney can advise you on your next steps. Comment on this article online at http://atlantareia.com/?p=17613
Craig Halperin
678-999-9220 Craig.Halperin@HalperinLyman.com
www.HalperinLyman.com
Craig Halperin is a native Atlantan who is currently the Managing Partner and CFO of Halperin Lyman, LLC. After graduating from the UGA School of Law, Craig practiced corporate law until making the switch to the practice of real property law in 2006. In addition to his work with Halperin Lyman, Craig is also the Owner and CEO of CGC Real Estate Services, LLC, an Atlanta based investment company providing a full spectrum of real estate investment consulting services.
26
Mutiple Sizes available.
Place Your adver tisement Here and Get Not iced!
Sign up now and get your ad created by our design specialists for FrEE! If you are ready to get started, see our advertising rates in this issue.
this introductory special is available for a limited time only.
Then call Christine Griffin at 678-701-7160 or email admin@atlantareia.com.

5 Reasons cont. from p5 arent able to borrow money today are reluctant to write offers to buy houses because they dont know where to get the money they need to buy the property. They dont understand how financing works. They have never learned about how to structure deals with or without interest. All most investors have ever heard about is paying All Cash. They dont have the correct, easy to use paperwork. Having the paperwork that doesnt scare the sellers will be critical to writing an offer a seller may accept that is somewhat creative. 5. They Think They Must Always Make the Maximum Profit They Can From Each Deal Most real estate investors today dont realize they can create multiple paydays from almost every deal. It is always good to create paydays that continually provide you with money to be able to pay for your life style. Most investors today only think about receiving ALL CASH when they sell and never think about Long Term Monthly Income also. Getting all cash when you sell a property is good if you need to pay for an immediate issue you may have but if you will be faced with huge tax consequences if you get all cash there are alternative ways to receive the profits from your deals where you can get much better taxing treatment. Comment on this article online at http://atlantareia.com/?p=17609
Larry Harbolt
727-420-4810 LarryHarbolt@Gmail.com
www.LarryHarbolt.com www.Facebook.com/Larry.Harbolt.7 www.Twitter.com/LarryHarbolt
Larry Harbolt is the nations leading creative Seller Financing expert as well as a popular national real estate speaker and teacher whose timetested strategies and nuts and bolts teaching style has helped thousands of aspiring real estate entrepreneurs realize their financial dreams with little or no money and without the need for credit. Larry has been successful creatively buying and selling real estate for over 30 years and has written numerous popular articles and real estate courses. Larry also has been running a meetup group in St Petersburg, FL for real estate investors for over 13 years.
Keep up to date with our latest videos by subscribing to our YouTube Channel
www.YouTube.com/AtlantaREIA
the landlords lunChBox
Foreclosure Tours: Fun, Informative and a Fast Track to Invest!

By Chris Littleton
Narrowing down to a tour that fits your needs can be as easy as choosing the right market locations and the right team that supports your investment needs. As President of Solutions Realty Network, Inc., I can offer you that team. We have a proven success record for: Real Estate Investment Education Property Evaluation Property Renovations Tenant Screening & Placement Ongoing Property Management Exit Strategies REIA member discounts Comment on this article online at http://atlantareia.com/?p=17667
Dont Miss the Bus! Get On the Bus With Us!
Get on the Bus with Us on Sept 29th & 30th! tenant is unknown. To minimize risk and get the highest return, consider the experience and expertise of the agent and brokerage you choose to work with. Market Area is very important. Youve heard it before Location Location Location! Limit the market area to a range that meets your investment criteria and your ability buy and hold. Your range should not reach out farther than your support team, i.e. rehab contractors, property manager, and future sale support just because it appears to be a good deal. In todays real estate market, there are plenty of good deals. Stay in respectable, conforming neighborhoods that can be managed well. Service and Expertise of the person hosting the tour can add to the event or lead you on a bus ride to nowhere. Some foreclose tours are geared toward owner occupied buyers and are best served by sales agents who focus on the needs of the owner occupied. If you want the highest and best use of your time for investment property, the tour should be led or supported by a property management broker or his sales team. One who has been in business for more than five years and should be managing hundreds of properties. A good property manager is looking for a long term relationship with good investor owners and he has a vested interest in you buying right. Information and Education is your key to understanding the market you are buying in and where that market may go in the future. You should be looking at the foreclosure markets, rental markets, job market and local economies. The information on the properties should include last sale price, current tax records, and comparable properties to include recent sales as well as current listing for both sales and rent. This information is needed so you can calculate how well a property may perform.
e are living in a rare moment in history. Housing can be purchased for less than the cost to build, interest rates are at an alltime low, and the pool of qualified renters is an all-time high. Now is the time to GET ON THE BUS and take advantage of this once in a lifetime opportunity! Whether you are a seasoned investor, just getting started, or just need to find out what all the talk is about, a great option is to participate in a Property Foreclosure Tour. These tours are showing up in every major market across the nation in many shapes and sizes. When booking a tour you should consider some of the following things: Who will the providers be representing on the tour, you or the seller? What market areas will they be covering? What types of properties will you see? What types of service and expertise will be offered? What type of education and information will be provided? Representation is an important consideration when booking a tour. Some tours are designed to sell properties for an owner client. This is most common if you are looking at properties that have already been renovated with a tenant in place. The benefit is the risk has been lowered however you should expect to pay a little more sometimes 30 to 40% above the sellers all in cost. Tours offered by the sellers agent may also be limited to properties that are with one bank, asset manager or broker. Before booking your tour, find out the relationship between the agent and the properties being offered. Working with a buyers agent will most likely offer the highest return however the risk could be increased because the final renovation cost and time to place a
Join us on September 29th & 30th for a Two Day Foreclosure Tour!
http://foreclosuretour.atlantareia.com
Its time for YOU to be among the hundreds of successful investors we have served in the top real estate market in the nation Atlanta, GA! Heres a little of what we will cover: P Why Invest in Atlanta, GA P The Atlanta Rental Market P Setting Your Investment Criteria P Property Evaluation Tools P Your Real Estate Success Team P Hundreds of Properties to Choose From in and Around Atlanta For more information or to register for this event, see http://foreclosuretour.atlantareia.com
Chris Littleton
678-782-1004 ext. 217 CLittleton@SRNhomes.com
www.SRNhomes.com www.Facebook.com/SRNhomes www.Youtube.com/SRNhomes
Chris Littleton is Co-Owner & President of Solutions Realty Network, Inc., a Real Estate Investment and an Asset Management Brokerage in the great state Georgia. He first became a landlord in 1993 when a job relocation left him faced with a choice of selling his home at a loss or generating income by leasing it. This began his passion for BUY & HOLD investing. Chris has assisted with over $100 million in investor transactions and manages closes to $4.5 million in annual property incomes for his clients.
28
Annual Plan
6 Month Plan Gold $1,500

Save 50%
Month-to-Month Plan Gold $300

Save 40%
Atlanta Real Estate Investors Alliance
Ad Size 2 Pages Full Page
Gold $2,400
Save 60%
Silver $3,600
Save 40%
Silver $2,100
Save 30%
Silver $400
Save 20%
Guest $500 $250 $225 $150 $100 $75 $60
$1,200
Save 60%
$1,800
Save 40%
$750
Save 50%
$1,050
Save 30%
$150
Save 40%
$200
Save 20%
Get Your Business Noticed!
2/3 Page 1/2 Page 1/4 Page 1/8 Page Business Card
$1,080
Save 60%
$1,620
Save 40%
$675
Save 50%
$945
Save 30%
$135
Save 40%
$180
Save 20%
$720
Save 60%
$1,080
Save 40%
$450
Save 50%
$630
Save 30%
$90
Save 40%
$120
Save 20%
If youre looking to reach the Real Estate Industry here in the Greater Atlanta Metro Area and throughout Georgia, you cant do better than The PROFIT. Your ad will reach more than 10,000 each month with your message. Our production teams are among some of the best designers in the country. We make you look GOOD!
$480
Save 60%
$720
Save 40%
$300
Save 50%
$420
Save 30%
$60
Save 40%
$80
Save 20%
$360
Save 60%
$540
Save 40%
$225
Save 50%
$315
Save 30%
$45
Save 40%
$60
Save 20%
$288
Save 60%
$432
Save 40%
$180
Save 50%
$252
Save 30%
$36
Save 40%
$48
Save 20%
When youre ready to get started, call Christine Griffin at 678-701-7160 or email admin@atlantareia.com.
Securitized Mortgages cont. from p11 says, This is a classic case of necessary and indispensable parties being ignored. Most securitized loans offer a raft of opportunities to find fault with the original lending process, the foreclosure process, or both. An experienced attorney with training in securitization and forensic mortgage audits can uncover many ethical and legal violations to help homeowners to get out from under these loans. Just in the examples given here there may well be violations of the pooling and servicing agreement that in effect could endanger the trusts status. If a pretender lender is the one filing a foreclosure notice that notice may be null and void because the party named as plaintiff really isnt the one who is the rightful owner of the note. Finally, the homeowner needs to know who actually holds the loan, and that is, quite frankly, rarely revealed when the loan has been securitized. All are issues that can be used as leverage against a lender on behalf of a distressed homeowner. To get more information about investors can use this information to help underwater homeowners and do some great deals in the process, give my office a call at 706-485-0162. All of this shady stuff the banks have been doing has created the most incredible opportunity I have ever seen in real estate investment. We finally have what we need to get the banks working on our terms. Again, for more information, call me at 706-485-0162. Comment on this article online at http://atlantareia.com/?p=17611
Bob Massey
706-485-0162 info@REWealthCoach.com
www.REWealthCoach.com www.Facebook.com/BobMasseyOfficial Bob Massey is a recovering corporate executive who is now living the dream running his own real successful estate investing business and teaching others how to do the same. In the process he has become the nations leading educator on the foreclosure investing the foreclosure process.
Join us on Meetup and RSVP for the meetings you will be attending
www.MeetUp.com/AtlantaREIA
Mail Application to Atlanta REIA, 2700 Braselton Hwy, Suite10-183, Dacula, GA 30019 or Fax to 770-216-1560
Atlanta REIA Membership Application
Membership Plans - Choose a Membership Plan
Silver Membership for Individual: $100/year Silver Membership for Couple: $150/year
Applicant Information - Please print clearly
Applicant #1: Address: Phone #1: Email #1: Sponsor:
(if applicable)
Gold Membership for Individual: $300/year Gold Membership for Couple: $300/year
Applicant #2: Phone #2: Email #2:
Payment Information - Please print clearly

Name on Card: Billing Address: Card Type: Card Number: Visa, Master Card, Discover, American Express Expiration Date: Code: Total Amount: $
Terms of Sale, Disclaimer & Release

The undersigned Applicant(s), hereafter called the "Applicant" understands and acknowledges that membership in the Atlanta Real Estate Investor Alliance, hereafter called "Atlanta REIA", absolutely does NOT entitle nor make Applicant a legal member of Atlanta REIA, LLC the company. Applicant acknowledges that Atlanta REIA does not render legal, tax, economic or investment advice. All programs are provided with the understanding that Atlanta REIA is not engaged in rendering legal, tax, or other professional services. If legal, tax or other expert assistance is required, the services of a competent professional should be sought. Atlanta REIA does not investigate its members, nor vouch for, nor make representation as to the honesty, integrity, reliability, motives and/or resources of its members, officers, directors, employees, agents, and or contractors. The Applicant, in consideration for his/her acceptance as a member of Atlanta REIA, hereby releases, discharges and agrees to indemnify Atlanta REIA, its officers, directors, members, employees, agents, and/or contractors from any liabilities now accrued, or which may hereafter accrue, from their actions, inactions, or communications made by Atlanta REIA and/or officers, directors, members, employees, agents, and/or contractors in or through their respective capacities with Atlanta REIA. Applicant agrees to comply with the terms and conditions described herein, the Code of Ethics and any other terms described on our website at AtlantaREIA.com as well as any other Atlanta REIA rules and regulations. Applicant agrees and acknowledges that Atlanta REIA may enforce these codes, terms, rules and regulations at its sole and absolute discretion and may terminate this membership at any time for any reason whatsoever. Applicant grants to Atlanta REIA, its representatives and employees the right to take photographs, video or audio of Applicant and Applicant's property. Applicant authorizes Atlanta REIA, its assigns and transferees to copyright, use and publish the same in print and/or electronically. Applicant agrees that Atlanta REIA may use such photographs, video and audio of Applicant with or without Applicant's name and for any lawful purpose, including, but not limited to, publicity, illustration, advertising and web content. Applicant grants permission to Atlanta REIA to contact Applicant regarding membership and related business by phone, fax, email, text message, chat programs, social networking, automated voice broadcast dialers or any other means necessary. By completing this application, Applicant agrees to give Atlanta REIA permission to bill the credit card above for the membership plan selected above. Applicant acknowledges and agrees that the term of membership is one (1) year and that billing for membership will be automatically renewed for one (1) year upon expiration at the then current membership rate and that the appropriate charges be applied to Applicant's credit card on file. Should Applicant decide to cancel membership, a written notice of cancellation must be emailed, faxed or sent via postal email to Atlanta REIA at the address, email or fax below thirty (30) days prior to the next billing or renewal period. Atlanta REIA must acknowledge receipt of this written cancellation notice for it to be valid. Membership dues are NON-REFUNDABLE for any reason whatsoever. Applicant promises NOT to initiate any refunds or credit card charge backs for these membership dues and related charges at any time. Applicant agrees that Atlanta REIA may change the terms of this Agreement or its membership dues at any time by posting such changes to our website at AtlantaREIA.com. By continuing membership, Applicant agrees to be bound by such changes. Applicant will send all written notifications to: Atlanta REIA, 2700 Braselton Hwy, Suite10-183, Dacula, GA 30019. Fax: 770-216-1560 Email: notices@atlantareia.com With my signature, I accept the "Terms of Sale, Disclaimer & Release" and I authorize Atlanta REIA, LLC to charge my credit card for the membership plan above as well as total recurring amount shown. I further acknowledge that these membership dues are non-refundable.
Applicant #1: Date:
(sign) (print)
Applicant #2: Date:
(sign) (print)
Atlanta REIA Use Only: Member #: ____________ Exp Date: ____________ ID Card: Printed Sent ___/___/___ Mail Application to Atlanta REIA, 2700 Braselton Hwy, Suite10-183, Dacula, GA 30019 or Fax to 770-216-1560
rev 1/28/2011
Atlanta REIA Meetings Calendar

http://AtlantaREIA.com/Meetings
PLEASE NOtE: This schedule is subject to change. Visit http://AtlantaREIA.com/Calendar for the most current schedule.
September 10th, 2012
1st Sunday of Each Month Cash Flow Players Group Meeting 4:30 PM Game Over Secrets Factory 2030 Powers Ferry Rd SE, #440, Atlanta, GA Leader: Alan McDonald http://cashflow.atlantareia.com 2nd Wednesday of Each Month Spanish Investors Networking Group (SING) 6:30 PM 8:30 PM Taco Depot 4788 Sugarloaf Pkwy, #107, Lawrenceville, GA Leader: Michael Vazquez http://sing.atlantareia.com 2nd Wednesday of Each Month I Love Marketing Group 7:00 PM 9:00 PM Social Vinings, 3621 Vinings Slope SE, Atlanta, GA Leader: Rock Shukoor http://ilm.atlantareia.com 2nd Thursday of Each Month Atlanta REIA South Meeting 6:30 PM 8:30 PM Giovannas Italian Kitchen 1375 Virginia Ave, East Point, GA Leader: Reggie Jackson & Gordon Catts http://south.atlantareia.com 2nd Thursday of Each Month North Georgia REIA 7:00pm - 9:00pm Hilton Garden Inn Cartersville, 24 Liberty Drive, Cartersville, GA Leaders: Bill & Kim Cook http://reioutpost.com/ 2nd Thursday (Once Per Quarter) Small Business Group (SBG) 3:30 PM 5:30 PM 5 Seasons Brewing 5600 Roswell Rd, Sandy Springs, GA Leader: Karen Bershad http://sbg.atlantareia.com 3rd Monday of Each Month Movers & Shakers Lunch Meeting 11:00 AM 1:30 PM 5 Seasons Brewing 3655 Old Milton Parkway, Alpharetta, GA Leader: Gordon Catts http://moversandshakers.atlantareia.com 3rd Tuesday of Each Month Gwinnett County Group (The Fish Club) 7:00 PM 9:00 PM Red Lobster 2055 Pleasant Hill Rd, Duluth, GA Leader: Aaron McGinnis http://fishclub.atlantareia.com 3rd Wednesday of Each Month Atlanta REIA North Meeting 6:30 PM 8:30 PM 1960 Skylar Hill Dr, Suite D, Buford, GA Leader: Dustin Griffin & Gordon Catts http://north.atlantareia.com 3rd Wednesday of Each Month Late Nite Networking Buford 9:00 PM Late Nite Tilted Kilt 3480 Financial Center Pkwy, #M1080, Buford, GA Leader: Dustin Griffin & Gordon Catts http://north.atlantareia.com 4th Monday of Each Month Atlanta REIA West Meeting 6:30 PM 9:00 PM Cherokee Cattle Company 2710 Canton Rd, Marietta, GA Leader: Leslie Mathis http://west.atlantareia.com 4th Monday of Each Month Late Nite Networking Marietta 9:00 PM Close Cherokee Cattle Company 2710 Canton Rd, Marietta, GA Leader: Leslie Mathis http://west.atlantareia.com 4th Monday of Each Month Savannah REIA 6:00 PM 9:00 PM Barnes Restaurant 5320 Waters Avenue, Savannah, GA Leader: Kristin Mack http://savannahreia.com 4th Tuesday of Each Month Note Buyer Group Meeting 6:30 PM 8:30 PM Olive Garden 2467 Cobb Parkway SE Smyrna, GA Leader: Tom Boyer http://nbg.atlantareia.com 4th Wednesday of Each Month Beginning Investors Group Meeting (BIG) 6:30 PM 9:00 PM Chef Robs Caribbean Cafe 5920 Roswell Rd NE, #A117 Sandy Springs, GA Leader: Alan McDonald http://big.atlantareia.com 4th Thursday of Each Month Cash Cows Commercial Group 11:30 AM 1:00 PM 5 Seasons Brewing, 5600 Roswell Rd, Sandy Springs, GA http://cashcows.atlantareia.com Atlanta REIA Main Meeting 5:30 PM 9:00 PM Crowne Plaza Ravinia Hotel 4355 Ashford Dunwoody, Atlanta, GA Leader: Dustin Griffin http://main.atlantareia.com 1st Monday of Each Month Late Nite Networking Dunwoody 9:30 PM Late Nite Tilted Kilt, 1155-B Mount Vernon Hwy, Atlanta, GA Leader: Lee Budden http://main.atlantareia.com 1st Monday (Once Per Quarter) Mobile Real Estate Rockstars Group 3:00 PM 5:30 PM Total Wine & More 124 Perimeter Center W, Atlanta, GA Leader: Don DeRosa http://rockstars.atlantareia.com September 10th, 2012 Short Sale & Foreclosure Group 3:00 PM 5:30 PM Total Wine & More 124 Perimeter Center W, Atlanta, GA Leader: Bob Massey http://ssf.atlantareia.com 1st Monday (Once Per Quarter) Active Investors Group 3:00 PM 5:30 PM Total Wine & More 124 Perimeter Center W, Atlanta, GA Leader: Gordon Catts 1st Tuesday of Each Month Mountain REIA 6:30 PM 9:00 PM Golden Corral 2025 Market Place Blvd, Cumming, GA Leader: Gordon Catts http://mountainreia.com 1st Wednesday of Each Month Creative Deal Structuring Group (CDS) 7:00 PM 9:00 PM Whitehall Tavern 2391 Peachtree Rd NE, Atlanta, GA Leader: Russ Hiner http://cds.atlantareia.com Every Thursday (Except Major Holidays) Have & Wants Meeting 1:30 PM - 3:30 PM 5 Seasons Brewing 5600 Roswell Rd, Sandy Springs, GA Leader: Joe Thompson http://havesandwants.atlantareia.com
31
PLEASE NOtE: This schedule is subject to change. Visit http://AtlantaREIA.com/Calendar for the most current schedule.
ATLANTA REIA CALENDAR OF EVENTS

SEPTEMBER 2012
SUNDAY 2
Cash Flow Players Group Meeting 4:30pm Game Over
MONDAY 3 4
TUESDAY
Mountain REIA 6:30pm 9:00pm
WEDNESDAY 5
Creative Deal Structuring Group 7:00pm 9:00pm
THURSDAY 6
Have & Wants Meeting 1:30pm - 3:30pm Webcast on 99 ways to beat the IRS! with Patrick James 7:00pm - 8:30pm
FRIDAY 7 8
SATURDAY
MAIN MEEtING MOVED
10
Atlanta REIA MAIN MEETING
11
5:30pm 9:00pm Late Nite Networking Dunwoody 9:30pm Late Nite Short Sale & Foreclosure Group 3:00-5:00pm
Spanish Investors Networking Group (SING) 6:30pm 8:30pm I Love Marketing Group 7:00pm 9:00pm
12
13
H&W Meeting 1:30pm - 3:30pm Atlanta REIA South Meeting 6:30pm 8:30pm North Georgia REIA 7:00pm - 9:00pm
14
15
16
17
Movers & Shakers 11:00am - 1:30pm
18
Whats Hot Webcast with Dustin Griffin on Mobile Websites for Real Estate Investors 7:00pm - 8:00pm Gwinnett County Group (The Fish Club) 7:00pm 9:00pm
19
Atlanta REIA North Meeting 6:30pm 8:30pm Late Nite Networking Buford 9:00pm Late Nite
20
Have & Wants Meeting 1:30pm - 3:30pm An Evening with a Real Estate Expert Webcast with Alan Cowgill 7:00pm - 8:00pm
21
22
How to Make $20,000 in 30 Days a Full Day Workshop with Don DeRsosa on the Tools, Tactics & Strategies to Create Winning Deals 8:30am - 5:00pm in Atlanta
23
24
Atlanta REIA West 6:30pm - 9:00pm Late Nite Networking West 9:00pm - Close Savannah REIA 6:00pm - 9:00pm
25
Note Buyer Group Meeting 6:30pm 8:30pm An Evening with a Real Estate Expert Webcast with Mike Warren 7:00pm - 8:30pm
Beginning Investors Group Meeting (BIG) 6:30pm 9:00pm
26
Cash Cows Commercial Group 11:30am 1:00pm Have & Wants Meeting 1:30pm - 3:30pm
27
28
29
Foreclosure Training & Tour 8:00am 5:30pm
30
Foreclosure Training & Tour 9:00am 4:00pm
SNEAK PEAK FOR OCTOBER

Oct 1 Atlanta REIA Main Meeting with Alan Cowgill on Private Lending Made Easy Oct 6 Full Day Workshop with Alan Cowgill on Private Lending Oct 18 Webcast with Mike Warren on Making a Fortune with Judgements & Liens
NEWSLETTER dESigN pRovidEd by

The Profit Newsletter For Atlanta REIA - September 2012

Hochgeladen von

Dokumentinformationen

Originaltitel

Copyright

Verfügbare Formate

Dieses Dokument teilen

Dokument teilen oder einbetten

Freigabeoptionen

Stufen Sie dieses Dokument als nützlich ein?

Sind diese Inhalte unangemessen?

Copyright:

Verfügbare Formate

The Profit Newsletter For Atlanta REIA - September 2012

Hochgeladen von

Copyright:

Verfügbare Formate

SEPT 2012 Atlanta Real Estate Investors Alliance SEPT 2012

Monday, Sept 10th

How to Get a Yes to Your Offer

An agreement cannot be the result of an imposition ~ Nestor Kirchner

Atlanta REIA, LLC

Atlanta Real Estate Investors Alliance SEPT 2012

Business MeMBer spotlight

Atlanta REIA Welcomes AquaGuard Foundation Solutions

Would You Like to Make More by Working Less?

How to Make $20,000 in 30 Days Workshop

September 22nd from 8:30 AM to 5:00 PM

Register Online at http://20Kin30Days.AtlantaREIA.com

2 for 1 Early Registration Special

Gold Members $19.95

Silver Members $29.95

Atlanta Real Estate Investors Alliance SEPT 2012

Keep up to date with our latest opportunities by joining us on Facebook

Atlanta Real Estate Investors Alliance SEPT 2012

Creative FinanCing is King

Dont Miss Our Atlanta REIA Live Webcasts

Atlanta REIA Webcast Replays

Atlanta Real Estate Investors Alliance SEPT 2012

how to Be a real estate investor

Is This House a Deal or No Deal?

+ Voicemail + Virtual Faxing + 24-7 Live Operators + Online Management

LIVE ANSWERING SERVICE

$30 per month

Haves & Wants Meeting

@ 12-18% ROI with 35% Equity !

THIS IS OUR SPECIALTY

Buy a home like this at a

SINCE 1 996, WE HAV WHOLES E A OVER 1,7 LED PROPER 00 tIES !!

Step-By-Step Real Estate Success

Atlanta Real Estate Investors Alliance SEPT 2012

Atlanta Real Estate Investors Alliance SEPT 2012

MoBile ready MarKeting strategies

No More Excuses for Not Having a Mobile Marketing Platform!

American IRA Wants to be a Value Added Service to You or Your Business!

P We do business the old fashioned way.

At American IRA, we pick up the phone.

P We provide joint webinars which allows you to

P We provide free copies of your webinar in CD/

P We have a resource page on our website to list P We are experienced in investing

P We have experienced IRA instructors who are

Atlanta Real Estate Investors Alliance SEPT 2012

The Truth About Securitized Mortgages

Atlanta REIA Member Benefits

Lowes Save up to 7% to22%

Atlanta REIA Member Discounts

Join Atlanta REIA today!

Atlanta Real Estate Investors Alliance SEPT 2012

Business By the BooK

Just How Smart is Co-signing a Debt?

indicates an urgency to correct this financial trap

Atlanta Real Estate Investors Alliance SEPT 2012

Fast traCK to selF-direCted ira investing

4th Monday 6pm9pm

5320 Waters Ave Savannah, GA

FOLLOW SAVANNAH REIA ON:

Financing with all Cash

Financing with a Lima One Capital Loan

Cash Remaining for Additional Investments $

Cash Remaining for Additional Investments $ 91,169.33