Buy/flip a mortgage

Have you wondered about how much you could make if you were able to
buy/flip a mortgage that is in default from a person who carried back
a mortgage when they sold their home (seller carry-back) or from the
bank at 20%-60% of the actual value?

In this marketplace, there are plenty of ways to make money, but you need
to be careful with your investing to make sure that you don't make a mistake.
Assuming that I was able to share with you exactly HOW to find these "notes"
and how to buy them at 20%-60% of the actual value... what if I could show
you how to do it without using your own cash or credit...?

In fact, if you've been unable to get a property at short sale, why not "Go in
the back door" and simply buy the note... You'll probably get an even better
deal!

Would you say that beats doing a short sale?
What could you do once you get the note?

You could:
* Foreclose
* Rehab the loan
* Deed-in-lieu of foreclosure
* Sell the note
* Plus a lot more options

Because of all the distress in the marketplace, you need to get
up to speed on making money with distressed mortgages and notes.
Rather than try to teach you myself, I"ve invited someone even
better (at this topic) to provide a special training on Cashing
In With Defaulted Paper.

Don't expect a big pitch to buy a home study course on this training,
since this is with my mastermind partner, Mike Warren.

He's going to share as much as he can with you during this training
and then if you want to stick around, he'll explain how his application
process for anyone who wants to partner up with him to take advantage of
the distressed notes that are availalble right now.

Negotiation, including the Three Key Questions That Can Make You Rich

NEXT LESSON: Negotiation, including the Three Key Questions That
Can Make You Rich

SUGGESTED HOMEWORK: Go to http://www.cashflows.org and download
and study:

Preparing Note Packages That Get Funded
How To Answer Noteholders' Favorite Questions
7 Secrets Of Successful Negotiators, by John Schaub

and any other articles that interest you.
The above homework articles are in the "Negotiation" section.

THE HOMEWORK
I've put together all of the homework
assignments for this course for just $13.00. That way you can
proceed at your own pace and not wait for the next lesson.
It's faster and easier, and you get a discount, too!

Just go to http://www.cashflows.org and check the box near
the top of the page and you'll get all of my recommended readings
immediately.

Remember, when you have questions, post them in the "Advice"
area of the Notes Lounge:
http://www.bulletinboards.com/message.cfm?comcode=5045

I or someone else will be glad to answer your questions if we can.

Next Saturday you'll receive Lesson IV of this
free 7-part e-mail course. You'll hear from a very experienced
note investor who warns that "every note seller is a liar and a
crook!" You can make up your own mind.

May the Lord richly bless you,

W. J. Mencarow
President, The Paper Source, Inc.
Editor, THE PAPER SOURCE JOURNAL

P.S. I personally hand-picked the materials for THE COMPLETE
PACKAGE, comprehensive training for note brokers and investors.
You'll get training from people who measure their experience in
the note business in decades, not months.

You'll instantly get as digital downloads:

* Make Money Trading Mortgages by Del Ashby. The best introductory
book on note brokering.

* How To Get Started Profiting From Notes by me, W. J. Mencarow

* The Paper Source Registry Of Note Investors -- All the investors
you'll ever need and what they want to buy, updated frequently on
the Internet.

* Almost Everything That Could Possibly Go Wrong With A Note (and
how to prevent it!) also by yours truly

* The Paper Source's Own Contracts, Worksheets, Checklists, Forms &
Sample Letters -- Every essential document you must have for your
note business.

* 50 Contracts And Forms For Notes And Real Estate -- Advanced
documents when you need them.

* Lorelei's Legal Lessons -- The Essential Guide For Note Brokers
by Lorelei Stevens, President of Wall St. Brokers.

* One-year subscription to THE PAPER SOURCE JOURNAL (sent by
regular mail every month) .

Plus this incredible bonus -- EVERYTHING IN THE CASH FLOW DOLLAR
STORE!!

That's right! You'll receive over 300 profit-centered articles,
contracts, forms and sample letters, all written by the most
successful note brokers and investors. You'll get all the
invaluable information in these categories:

* How To Find Notes
* Especially For Beginners
* Negotiation
* Wealth-Building Strategies
* Note Niches (cash flows other than real estate notes)
* The Art of the Deal
* Hot Issues!
* Forms and Contracts
(to see all you will get in this bonus, go to www.cashflows.org)

Purchased separately all this would cost you almost $500.00.
Buy The Complete Package and they are yours for $199.95!

Why is it so inexpensive? We don't do costly infomercials,
telemarketing, etc., and we don't have fancy offices and a big
staff, so we can charge much less. Plus, you get this huge savings
because (except for THE PAPER SOURCE JOURNAL) all the materials
come to you as a digital download. Save all the files to your hard
disk and read or print them when you need them.

THE COMPLETE PACKAGE has everything you need to profit from notes
as a broker or investor in notes. Whether you are just getting
started or are a note veteran, you can't afford to pass up The
Complete Package.

Get started immediately! Go to:
http://papersourceonline.com/the-complete-package/


"THE PAPER SOURCE has recouped our subscription costs incalculably
over the years. What we've learned and the contacts we've made
through it...has made our business grow phenomenally.
Obviously we wouldn't be without it!"

Become an expert at screening notes

Finally, I want you to know what you're doing so you'll be
able to spot the occasional note that is just so good you want it
for your own portfolio. That takes an educated and experienced eye,
and just knowing how to find notes and who to sell them to will
never prepare you to invest and never make you really wealthy.

*

Screening Notes
When your marketing efforts begin to pay off and note holders
start calling...what will you say?

The sad fact is that many note buyers don't know how to
quickly cull. They waste their precious time negotiating with note
holders on notes that no investor will buy. You simply can't do
that and last very long in this business.

Unless you know how to rehab notes, and most beginners don't,
you must become an expert at screening notes and only work with the
ones that are marketable or that need slight improvements.
If not, you will go out of business.

A lot of note buyers think the order is: Find the note,
send it to an investor and have him screen it. That's wrong.
The right way is to find the note, screen it, and only if it passes
your screening do you send it to the investor.

Here's a series of questions that can keep you in business.
Both the wording and the order in which they are to be asked are
important. If you use them in order you will be able to determine,
in a very short time, if the caller has a mortg*age you can buy
(since that's the bread-and-butter note for almost everyone).
This does not replace your intake sheet or worksheet (we'll get to
that a little later). It is to be used before you start filling
that out. Keep this by your phone, and every time it rings
ask the questions. If they say, "I'm calling about your ad,"
ask the questions. If they say, "I read your ad, what do you mean
you buy mortgages?" ask the questions. If they say, "Hi, it's Mom,"
ask the questions (you never know!).

These questions are to screen real estate-secured notes,
by far the most traded "cash flow" in our business. You can easily
modify them to deal with other kinds of income streams. The wrong
answer to any one of them is an automatic cull. Terminate the call
when you do not receive an acceptable answer.

1. Are you currently receiving payments on a mortgage? (depending
on where the property is, it could be a mortgage, a trust deed, a
contract for deed or, in Louisiana, a bond for deed. It doesn't
matter at this stage what it is called).

If the answer is no, you know what to do. You'll get many
calls from people who are PAYING on a mortgage and think they can
sell it. I once received a call from a tenant who wanted me to
"buy" his rent payments, whatever that means. That was one
transaction that to this day I have never been able to figure
out!

2. Are all the payments current?

The market for defaulted notes is small and they are deeply
discounted. It's essentially a real estate investment. If the payor
is in default, and you don't know of any investors for defaulted
paper, it's best to move on to the next note.

3. What kind of property secures the note?

I used to advise terminating the call if the answer is
industrial, chattels (i.e., restaurant equipment), signature notes,
gas stations, mobile homes with no land, timeshares, churches,
co-ops, taverns/bars, properties with hazardous waste potential, etc.
If there is someone who buys such paper, I used to say you'll go
out of business trying to find them. How the business has changed!
Today THE PAPER SOURCE REGISTRY OF NOTE INVESTORS has buyers for
almost all of those kinds of notes. However, it remains harder to
find investors for paper secured by that list.


4. What was the sales price and when was it sold?

Some investors won't consider a note on a property that is
valued under a certain amount, such as $25,000 or even $50,000.
Know your investors' limits. This question also tells you if the
note is a new or *green* note. Green paper is worth less.

5. What is the balance of the mortgage?

Know your investors' LTV limits. With some exceptions,
notes over 85% LTV are difficult to market. 3rd liens are almost
impossible to sell and if you find a buyer he will want a deep
discount. Small notes (under $10K) are not worth fooling with
unless you have private investors. Although there are exceptions
to every rule, large single notes (over $500K) are very difficult
to place.

6. How much cash did the buyer put down?

If the answer is none, or "rent credits," or "$1,000" or
"you should see what he did to the property..." or
"unnnhhh.........what?" say goodbye. By the way, $1,000 down
(not to mention zero) is almost a guarantee of default.

7. Is there a balloon and, if so, when is it due?

If the answer is 6 months or less, terminate the call
(and be suspicious if it is less than a year). Your investor
will ask you questions you can't answer: If the balloon
will pay off so soon, why doesn't the seller just wait for his
money? What is wrong with the note, the payor or the property? Of
course, it is entirely possible that the note holder is so desperate
for money that he can't wait, but your investor will have to be
absolutely convinced that that is the only reason he's selling now.

At this point, you should be able to think of at least one
investor who will buy this note. If you can't, reject it and go
on to the next one.

After you've asked these questions and received satisfactory
answers, it's time to get more information. You're not negotiating
yet. Pick up your worksheet/intake sheet.

You'll notice that the worksheet asks for a lot of
information. All of it is needed by the investor to be able to give
you an accurate, dependable quote. After all, you don't want the
quote to change later because you didn't get the necessary
information.

But there's another reason for all the questions. If anyone
will sit with you for the time it takes to answer them, you'll know
they are serious about selling their note. And these are the only
people you should deal with.

******************************************************
"If you haven't read Lonnie Scruggs's books you're doing yourself a
HUGE dis-service. His books should be on the must-have "classics"
list for real estate investing. You won't find a better value for
the money anywhere. I'm buying a set for every member of my family
for the holidays. They're that good." -- Paul Horn, North Carolina

Details: http://papersourceonline.com/e-books-more/deals-on-wheels/
http://papersourceonline.com/e-books-more/make-w-mobile-homes/
http://papersourceonline.com/e-books-more/take-mystery-out-of-money/

******************************************************

Here's an intake sheet that I wrote for our business.
You're welcome to use it. I like it because it is a script that
anyone can follow, and it that makes gathering the information a
snap. Even if you're not in your office, anybody answering the
phone can ask the questions and fill in the blanks. You can answer
any of the note holder's questions when you call them back.
This form is from www.cashflows.org, which also has many other
contracts and forms for buying notes.

MORTGAGE/TRUST DEED INTAKE SHEET


TO (Investor): ___________________________________________
FAX (____)______________________
BROKER'S NAME: ___________________________________________
COMPANY___________________________________________________
BROKER'S FAX (____)_____________
PHONE(____)________________ E-MAIL________________________

About The Property
What is the address of the property securing the note?
__________________________________________________________
City _______________ State ___ County ____________________
ZIP ______________________
Does the note payor live there? _____
(If not) Is it currently rented? _____
For how much? $__________
What kind of property is it? (i.e., single family home, condo,
duplex, apt. bldg., lot /land, etc.)
__________________________________________________________

Describe the property & neighborhood in detail:








What was the sale price of the property? $_________________
What was the sale date? ____________
How much cash did the buyer put down? $__________
(If a second) How much was the 1st mortgage? $_________
If there is a current appraisal on the property how much
did it appraise for? $________
When was it done?_____ If there is no current appraisal,
how much is the property worth today? $______________

About The Mortgage (Trust Deed or Contract)
Is the mortgage to be sold a 1st mortgage? Yes ___ No ___
(If Yes, skip the next 7 questions)

What is the name of the lender holding the 1st mortgage?
________________________________
Is it a (check one) FHA mortgage ___ VA___ Conventional ___
Private ___
What is the original amount of the 1st mortgage? $__________
Current balance? $____________ Interest rate ? ___%
Monthly payment ? $__________
Does this include taxes & insurance?____

What was the original balance of the mortgage to be sold? $_______
Current balance? $_______
How long is the mortgage originally written for?__________
What interest rate? ____%
How much are the payments? $________ per ____
Are they current?___ If not, how far behind? ____ months
What was the date of the first payment? __________
When is the next payment due?
________________
How many payments have been made? _____
How many remain? ____
If a balloon payment will be due, how much is it? $___________
What is the date the balloon is due? ____________

About The Payor
How often have they been late? ____
What is the payor's employment? ______________________________
What is the employer's phone number and address?
______________________________________________________________
What is the payor's name(s), address and (if known) S.S. No.?
______________________________________________________________


About The Note Holder
Why does the note holder want to sell the note?
______________________________________________________________
How much cash does he/she need right now? $______________
What else should we know about the note, the payor, the property or
any other aspect of this?




What does the note holder think is a fair price for their note?
_____________


SELLER'S NAME:
_________________________________________________________
(Put seller's address and phone on the back, not to be faxed to
investor unless requested)

ADDITIONAL INFORMATION OF USE TO INVESTOR:

Buying Seller financed Notes

So far we've covered what you will need to get started,
some of the pros and cons of notes, and some of the basics of
finding them and marketing your business.

I hope you studied your homework assignments. Doing the
homework will help you learn more, and faster, too. If not, you
still have a chance to do so. I suggested that you read
'Dale Ketcham: Buying Notes Since 1970' and 'Your Marketing Toolbox'
parts I, II and III. They are in the 'Finding Notes' area
at http://www.cashflows.org

Now you're prepared to learn the closely-guarded secret
of how to make money in notes safely. Here it is:

Don't buy any.

I hope that didn't fly by you too fast. If so, I'll repeat
it. Don't buy any notes. That will keep you out of trouble. Yes,
there's more to it, but that's the key. Now that you know what NOT
to do, let me tell you what TO do. The system you'll follow is
straightforward and simple. You'll make money without spending
any of your own. Like it so far?

Most systems of instruction cost money, but this one pays
you to learn. It operates on the principle that there are people
in the world who have a lot they could teach you about notes,
because buying and selling them is their business. These people
need something you can provide: more notes. The more notes you can
supply to them, the more experience you'll get and the more you'll
learn, through observation and through hands-on practice.

The ABC System To (Almost) Risk-Free Note Investing and Note
Brokering

If you simply follow my ABC System, you can make money from
paper with very little risk:

ADVERTISE for paper anywhere and everywhere you can. This includes
networking. We covered this topic in Lesson II.

BE organized when people respond. Have THE PAPER SOURCE Mortgage
Worksheet by your phone, and ask for the information you need to
complete the Worksheet. Thank the caller and tell them you'll
analyze the information and call them back shortly.
(This and many other forms are at http://www.cashflows.org )

CONTACT a professional note investment firm. Fax them your worksheet
and any other paperwork on the note you have. If the note meets
their criteria (which you should know before you fax them) they will
quote you a price and expect you to negotiate with the seller.
You make your money by negotiating a price somewhat lower than what
the investor has quoted. You will also be expected to know what
documents the investor needs, gather all of them into a professional
package and overnight them to the investor ASAP.

At the beginning, work with "institutional investors."
These are the professional note investment firms, the big national
companies that buy notes. PAPER SOURCE JOURNAL subscribers will
find them in the PAPER SOURCE REGISTRY OF NOTE INVESTORS
(http://papersourceonline.com/registry-of-investors/how-to-get-in/)

This is the simplest way to start. As soon as you can, I
want you to do it differently, because you'll close far more deals,
but this will get you started. Using the ABC System, you avoid
liability, use none of your own money, make profits and learn from
a professional paper buyer. Only when you've done this over and
over and over again and know exactly how the professionals work
are you ready to buy a note for your own portfolio. You'll be so
thankful you waited: your yield will be high (because you'll know
what you're doing), your investment will be blue ribbon category,
and you'll be able to buy lots of good notes with all that money
you've made! After you've done that for awhile, you may even want
to branch out into fixing up "bad" notes, which can be a very
profitable specialty.

You'll still be selling almost everything you find to
investors. But occasionally your highly-trained sensors will zero
in on a super deal that you'll want for your very own.

Using the ABC System, you never use any of your own money
(except to find the notes, of course) and you never actually own a
note, so if something goes wrong, you haven't lost any money. The
professional reviews the note with you, tells you its strengths
and weaknesses, orders and pays for the title search, appraisal
and credit check and handles all the details. You work with the
professional, ask questions, review the paperwork with him and
learn: And make money in the process! Every time you do this,
you'll learn more and more about notes. Eventually you'll know
enough to safely buy a note on your own once in a while. Even if
the pro doesn't want some of the notes you bring him, you'll still
learn, because he'll (hopefully) tell you why they're not good
notes.

A couple of caveats: Don't waste the investor's time by
faxing unmarketable notes. The home study course I recommend and
your own experience will train you to spot such notes in 30
seconds or less.

Make sure you are working with a "real deal." That means
you have direct contact with a motivated note holder. It means you
do not waste your or the investor's time with notes you found through
other brokers or through court records or other methods without
contacting the note holder to see if they want to sell. DON'T GET
CAUGHT IN BROKER "DAISY CHAINS"! (Buying a note from a broker who
bought the note from another broker who bought from still another
broker, etc., etc.). That's a tried-and-true formula for failure.
Deal with only note OWNERS.

Please don't fax the same note to a bunch of investors.
Make it your business to know what kinds of notes different
investors want and only give them those. You'll soon know who
gives the best quotes for what notes. In fact, the sign of an
experienced note broker is that he or she has the note under
contract before ever contacting an investor.

You can't start this system without some preparation.
I attended a "free seminar" for the cash flow business
at a local hotel. They were trying to get you to sign up for an
expensive seminar, and I've heard that if you go to that, they try
to sell you more expensive stuff. Anyway, the speaker/salesman at
this "seminar" said that all you have to do is to "find somebody who
needs money. Anybody here know anybody who needs money?"

Sure, most people need money, but the question should be,
"How many of you know somebody who needs money -- and has a
marketable note -- and wants to sell it -- and is willing to
discount it?" Of course, that makes it sound harder. Actually,
it makes it sound closer to the truth. But the truth doesn't sell
expensive seminars.

According to him, the cash flow business consists of
finding somebody who needs money, and of course they happen to
have a marketable note they're willing to sell at a discount,
you fill out a brief worksheet, fax it to an investor and wait
for your money. The whole process, once you've done a few,
should take "a couple of hours."

Oh, you have to spend several thousand dollars taking his
seminar first (if it's so easy, why do you need the seminar?).

That's worse than slick salesmanship. It's an outright
lie. There is a lot more to the business.

You should at least know the basics of note investing
before you talk with an investor about notes you want him to buy. Why?
First, you must be able to screen the notes and reject the poor ones.
If you repeatedly call an investor with unmarketable notes, you are
wasting their time and yours and eventually they'll ignore you.

The second reason I want you well-grounded in notes is that
if you know what you're doing, usually you can suggest alternative
ways of buying a note to the note seller and/or the investor:
methods they (and your broker competition) may not have thought of.
You can often save a deal this way and make everyone happy.

Keep, Create and Repeat Real Estate Notes

This Tip series started with the outline of the three goals of a successful marketing plan: Keep, Create and Repeat. Please refer back to previous Tips. We will continue with - Keep, letters (direct mail).

Typing the recipient's name and address on the envelope (as opposed to using mailing labels) is very effective in maintaining a personal touch. Here again, many word processing programs are capable of printing envelopes on a printer using the "mail merge" function.

Addressing your letters by hand is the ultimate personal touch and helps to stimulate curiosity about what is inside. You might consider this approach for smaller mailings.

Whenever possible, use "real postage stamps" rather than having the mail metered. Having a stamp helps to distinguish your letter from "metered mail." This can work to your advantage because many people often associate "metered mail" with junk mail, solicitations, or in some cases, bills. The post office has a large selection of "commemorative stamps." Most of the commemorative stamps are colorful, attractive and interesting. Using an interesting commemorative stamp can add a bit of color and will often help draw attention to your letter and gives it a more personal touch.

You should also take a minute and look at all of the programs we offer to help you succeed in the Cash Flow Business. You can see them all here:

BILLIONS of DOLLARS in Funding

Did you know that BILLIONS of DOLLARS in funding are available from
PRIVATE Hard Money Lender Sources? Yes, Nationwide and Local Hard
Money Lenders have Funding for virtually ALL types of REAL ESTATE
deals for both Beginner and Seasoned Investors!

The "INSIDERS" know something you don't know. They know HOW to get
the money, WHO has the money, and WHAT kind of deals the private
hard money lenders are looking for!

Now YOU can UNLOCK the SECRET and have access to the most
soughtafter PRIVATE MONEY LENDER SOURCES

IMAGINE HOW DIFFERENT IT COULD BE. . . .

If YOU could:

*Never again worry at the last minute about coming up with the
money.

*Make FUNDING COMMITTMENTS quickly and easily.

*Not have to WORRY about GOOD DEALS LOST because of not being able
to close FAST.

*KNOW how to GET ADDITIONAL HARD MONEY for REPAIRS and REHABS.

*LEARN how to PUT your DEALS TOGETHER QUICKLY.

*KNOW how to get HARD MONEY and PRIVATE FUNDING for both
RESIDENTIAL and COMMERCIAL.

*Get MONEY for LAND, LOTS, and DEVELOPMENT.

*Find out ways to CONFIDENTLY work on MORE than ONE DEAL at a time.

*Find out how to CONTACT these Private Money Lender Sources
quickly, what to say, and how to get FAST results.

*Learn the ROPES about PRIVATE MONEY LENDING.

*Do more DEALS than ever before.

*Get MORE Private Hard Money Lender Sources than EVER BEFORE.

*Know what type of Private Hard Money Lender to use for what type
of deal.

*Have other investors BRINGING DEALS TO YOU.

*Participate in PROFITS by bringing in the HARD MONEY.

*Have everything you need to do FAST FLIPS.

*Be able to do REHABS Profitably and WITHOUT MONEY out of your own
pocket.

*Know the INSIDE Hard Money SECRETS to structure deals just the way
the Private Money Lenders want them.

*AVOID some of the common BIGGEST MISTAKES real estate investors
make when the money isn't lined up.

*Make more PROFITABLE DEALS than ever before.

*MASTER the EASY STEPS to submit your deals and GET THEM FUNDED in
as little as 24 HOURS.

*END your WORRIES about funding your real estate deals FOREVER.

IMAGINE - Just one funded deal could make all the difference...

Because once you know how you can do deal after deal after deal.
Sellers and other investors will start bringing the good deals to
YOU! How many deals could you do? One a month? Two? Maybe one a
week! It's up to you.

We created the Private Money Lender Sources for people just like
you. No matter how much you know about "techniques" and
"strategies" to negotiate good deals on real estate, you still need
the money.

Every investor knows that traditional lenders will only give you
the money to fund a HANDFUL of deals. And in today's mortage
environment, most will FLAT OUT REJECT your investment property loan
applications or require that you come in with a HUGE DOWN PAYMENT
of 20% or MORE.

Traditional lenders have STRICT guidelines to follow and can't loan
money to you because your of traditional loan underwriting
requirements pertaining to your credit, debt, assets and a dozen
other "LOAN CONDITIONS" relating to your individual loan
application. Private Hard Money Lender Sources are not limited by
those requirements, in fact, THEY COULDN'T CARE LESS!

Thats why we created the Private Money Lender Sources for you! They
couldn't care less about your credit rating, they couldn't care
less about how many properties you own, they couldn't care less
about your bank account statements, and your tax returns, and your
debt to income ratio, etc.... etc.... etc.....

What they do care about is the PROPERTY and all you'll learn all
you need to know about how to present the property to your Private
Hard Money Lender.

HERE'S AN EXAMPLE:

"We located the property and offered the seller almost $30,000 less
than they were asking. They weren't desperate people but they
already had purchased another home. The renters they had in the
property had beaten it up pretty badly but it was a nice brick home
in a great neighborhood. We gave the offer to their realtor who
said they probably wouldn't be interested because they already had
a better offer. But a few days later their realtor called and said
the other offer "fell out" and that the seller wanted to accept our
offer. Our Private Money Lender Source had already committed to
give us the funds and was ready to close in just a couple days! Not
only that, but the lender gave us $10,000 to fix up the property to
do ALL the repairs and improvements AND gave us a good rate and NO
PAYMENT required until we "flip" the property. We've already had
people in the neighborhood sending us their friends and family to
look at the home because now it looks great and it's worth about
$70,000 more than we paid for it. My partner and I are already
looking for our next property. Don't tell me this doesn't work
because we've already done our first deal!" -TC Dumas

Visit our website for an example of the actual paperwork offer and
closing title company documents funded by a Private Money Lender
Source for a 6000 square foot residential investment property for
$850,000 that was purchased where the buyer, a new investor, used a
Limited Liability Company. The private information concerning the
actual buyer and address of the property have been "blacked out" for
privacy. The property later appraised for almost $1.2 million.
BOTTOM LINE--The Private Money Lender Sources gives you EVERYTHING
YOU NEED!

WHO to contact.

WHAT to say.

HOW to present your loan proposal in a SIMPLE step-by-step process.

WHEN to say "NO", knowing that another Private Money Lender Source
has an EVEN BETTER DEAL for you!

You can do AS MANY DEALS AS YOU WANT TO DO! IN ANY REAL ESTATE
MARKET!

Read on--because IT GETS EVEN BETTER!

With the Private Money Lender Sources you become a SERIOUS
INVESTOR. Buyers take your offers seriously. You close your deals
fast for quick, quick profits!

Haven't you wasted enough time and lost enough money seeing great
profitable deals get literally swept right from under your feet?
With the Private Money Lender Sources you will get immediate
DIGITAL DELIVERY of your e-book. You can start lining up money for
deals RIGHT AWAY.

You'll have 300 private hard money lenders ready to fund deals
nationwide, regionally and locally for BOTH residential non-owner
occupied property and commercial property too!

Literally, MONEY AT YOUR FINGERTIPS!

Since I know it's 100% to your benefit to act right away, I want to
sweeten the pot and give you every possible reason to say YES
today! YES today!

If you respond immediately, you'll also receive the following:

BONUS # 1 Value--The UPTRENDING Real Estate Markets Report

You'll get a link to a FREE BONUS REPORT showing you the UPTRENDING
real estate markets in the UNITED STATES! Never again will you be
without updated information about which cities have the highest
appreciation rates. 70 pages of solid facts! You'll be in the know!

BONUS # 2 Value--Private Money Lenders Access Pack

You get all of these: *Proven SCRIPT to contact the lenders. It's
short and sweet and it works! *Step-by-step GUIDE to package your
loans for quick funding! *Actual loan application form PDF file
used by most Private Money Lender Sources. *Complete contact
information including names, phone numbers, e-mail address and fax
numbers for easy access!

BONUS # 3 Value--Access to Commercial Hard Money Lenders

Imagine having access to commercial hard money for your commercial
property deals! You'll never be limited again!

You'll have access to MORE PRIVATE HARD MONEY for REAL ESTATE
INVESTING than ever before!

Don't believe what you hear! There is more PRIVATE MONEY available
for REAL ESTATE INVESTING than at any time in the HISTORY of this
great nation! Don't miss out on on your share!

We've already been approached for an "exclusive" for this
information! They know how valuable this information is and want to
make it "privately" available ONLY to their clients!

That should tell you something.

The regular membership at $500 would be worth every penny. But
we're not charging you that here. We're not charging you $250. Not
even $197, the REGULAR PRICE... FOR ONLY A LIMITED TIME!

You're getting EVERYTHING included for only $99.95...

Investors spend tens of thousands of dollars on "coaching and
mentoring" programs to learn investment strategies and negotiation
techniques.

For only a fraction of that, only $99.95 you can have the money to
actually fund the deals. If you're one who has invested in these
mentoring programs, this is an invaluable tool to put your
knowledge to work and get some deals done now.

Look at it this way -- $99.95 is really a painless drop in the
bucket to be able to get your hands on The Compete Private Money
Lender Sources and start using it right away to improve your
lifestyle!

You Really Can't Afford Not To Invest In "The Compete Private Money
Lender Sources"

It's easy to get started:

Go to http://www.opmcredit.com/order.htm

You can order right now for only $99.95 (even if it's 3:00 am in the
morning).

Your Opportunity to Become a MONEY INSIDER

Go to http://www.opmcredit.com/order.htm

Once you have these connections you can develop relationships with
many lenders for virtually any type of real estate project you want
to work on. You can be confident as an investor because you have
the money you need to make the deals happen. You will be respected
as a SERIOUS real estate investor.

The Private Money Lender Sources are your keys to funding. We wish
your investing to be prosperous for many years to come!
Don't you owe it to yourself to try The Compete Private Money
Lender Sources today?