How a $0 Investment Can Make You a Minimum of $149,000...
Probably Twice as Much
One Investing "Outsider" Used This Technique Four Times in the Last Year to Rack Up Over $300,000 ... In His Spare Time
Dear Friend:
If you could buy something worth $149,000 for nothing, would you take it?
Of course you would. That's exactly what one of the best investors I know just did. Using this type of shrewd investment, he made over $300,000 in the last year. And he's added over 7 figures to his bottom line in less than four years.
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How a $40 Bar Tab Led to a $43,500 Windfall in One Night
You can buy real estate with 20% down, 10% down, and 0% down. The key in all cases is to buy right first... then use the right amount of leverage once you've got the deal under contract. In the past year alone, Justin Ford has done three very profitable deals with no money down. And he's also done a "virtual no money down" deal. In this deal he put 10% down, but got that 10% back (plus a little more) at closing. Here's how it happened... One night, Justin went to a local pub to toast his friend Mike, who was having a birthday. Mike is Justin's tenant and an electrician who works for him. Mike always introduces Justin as a real estate investor and people often respond by giving him their cards or telling him about properties in their neighborhood. On this particular night, when Mike introduced Justin to a group of his friends as a real estate investor, a man chimed in and said, "Want to buy my house?" They drove over to his house that same night. Within three days, they had a contract. Justin bought the property with $12,000 as a down payment. But the owner gave him a $12,948 check at closing! You see, the owner continued to live in the house, and part of the deal was that he would prepay rent for 14 months more than covering the down payment! What's more, just two months after closing, the house appraised for $43,500 more than Justin had paid for it. So, he had bought it significantly under market value, got his down payment (plus) back at closing, and let the house pay for itself from there. This strategy is called a "leaseback," and it's just one of many you'll learn in Main Street Millionaire. |
I know. I'm a student of his. He has personally taught me how to make over $39,000 in just over a year on a single investment.
And so far in the 2 years he's been mentoring me, I've used his techniques to haul in over $190,000 in all-most of that is tax-free! And I just started learning from him two years ago when I was making less than $30,000 a year.
The best part is, if I can do this with no special investment training and no real investment capital to work with... well, there's no reason you can't do it to. And you won't have to worry about getting involved with scary investments like stock options... commodity trading... precious metals futures... derivatives... or other unsafe, hard to understand financial adventures.
If a Wet-behind-the-Ears Kid Like Me Can Make This Kind of Money... So Can You!
Hello, friend, my name's Will Bonner. I'm only 26 years old, yet, because of the investments you'll learn about in this letter, my early retirement is set. I'm confident I could retire at the "ripe old age" of 35 if I wanted to. Perhaps even sooner.
But I don't expect I'll ever retire... because I love what I'm doing. It's not only extremely profitable... it gives me far greater personal satisfaction than you could ever get from stocks, bonds, or a vault full of gold.
In this letter, I want to tell you about how I'm safely building my future... and about the wealth mentor who's making it possible. I'm going to tell you how he's able to make so much money... almost lessly. And I want to tell you about how he can become your wealth mentor, too.
The Oldest, Surest Way to
Build Real Wealth
My mentor's name is Justin Ford. He's something of an outsider when it comes to investing. He hasn't chosen the "sexiest" or most exiting way of building his own personal fortune.
Instead, he's chosen to follow the oldest path to accumulating real wealth on earth. It's the path that's been the basis of amassing wealth for thousands of years... the path used by names like Rothschild, Rockefeller, and Trump. This path is investing in real estate.
I'm sure you've heard about no-money-down real estate deals. And you may have wondered if they're really possible and if they are, how they work.
Well, they're not only possible, I'm going to show you how Justin used them to buy four properties in the last 10 months... three of them with no money down. And how he got his 10% down payment on the fourth one issued back to him at closing for a "virtual" no-money-down purchase.
But the single most important thing about these investments is that he purchased them all significantly below market value. And he did this even in a fast-rising market.
By buying these properties below market value, Justin got what he calls "instant equity" on each purchase. And, most importantly, it meant that each property could pay for itself entirely, even when he borrowed 100% of the purchase price.
These transactions added over $300,000 to Justin's bottom line in less than 11 months.
If you think this sort of wheeling dealing is reserved solely for the most knowledgeable real estate investors... or the most knowledgeable... think again. You can do exactly the same thing in your own hometown, on your own schedule.
And here's something else...
You Don't Need a Millionaire's Line of
Credit to Crack This Market.
Even if you have bad credit or no credit at all, you can overcome these obstacles when you learn how to "buy right first."
This is such valuable information, Justin's asked me to pass it on to you in this letter. The insight you'll gain could - no make that will - change the way you look at investments. It will help you multiply your net worth many times over faster than you ever thought possible.
Justin's asking just one thing in exchange for sharing the details of some of his recent deals with you.
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Learn to Do Low-Money-Down Deals, Too (Put 3% to 5% Down and Get 100% of the Profits) |
 Katie Button used techniques you'll learn in Main Street Millionaire to buy this house at a price that gave her "instant equity." She bought it under value, even though it was in one of the fastest-rising neighborhoods in her town. Including closing costs, she made a total investment of just $7,000 to buy the property. Yet, exactly one year later, she received an offer for $126,000 more than she paid.
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If what you learn here makes sense to you... if you agree it has value... he'd like you to consider a risk-free enrollment in his Main Street Millionaire Real Estate Investment Program. It's not like anything you've ever come across before.
No cliches, generalities, or canned speeches...
Just the specific steps you need to build a 7-figure net worth in real estate rapidly creating thousands of dollars in free cash flow every month.
The strategies in the Main Street Millionaire Program haven't been combed from a library or some late-night infomercial "guru." They come from Justin's personal experience in accruing wealth by buying and selling real estate. And they come from the expertise of some of the very best real estate investors around.
These include investors who have gone from buying foreclosures in low-income neighborhoods to profitably buying and selling hundreds of millions of dollars of high-end real estate.
I'll introduce you to some of these people a little later in this letter. But first, let me share some of Justin's strategies with you. And I'll start by showing you what he call's...
The Art of the Zero Dollar Deal
Buying something with 100% financing isn't that difficult. You've done it many times. In fact, every time you use a credit card, you're borrowing money with 100% financing.
The trouble is, if you're like most people, you buy the wrong things with borrowed money... and you use the wrong types of loans.
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How $1,000 Turns into $50,000 to $85,000 in Instant Equity |
 Peter Petronelli bought this property... using Main Street Millionaire strategies at a deep discount to market value. He put $1,000 down in earnest money to get the property under contract. On that very same day, he received an offer for $50,000 more. He turned that offer down, though, and went on to sell the property four months later for $85,000 in profit - after all closing costs.
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Let's take a look at a "for instance": You buy a new car for $20,000 with borrowed money. The minute you drive the car off the lot, it's worth $17,000. You've just lost $3,000 in resale value, but you still owe the full $20,000 plus interest.
And unless you're a taxi driver, that car is not going to make you the money you need in order to make those payments. You've bought a depreciating asset . The value of what you've bought goes down steadily - predictably -inevitably. And the money you've borrowed will end up costing you more thanits original purchase price.
Real estate investing is completely different - or it can be if you know a few core secrets. If you know what you're doing, using no money of your own , you can buy an appreciating asset like real estate... an asset that goes up steadily... predictably... inevitably.
And just as important, when you buy right, the property itself can pay for the loan and all other costs while you own it.
This means you pull no money out of your own pocket in the form of a down payment (sometimes not even for the closing costs). You assume ownership of the property, and you get all the appreciation!
Better yet, when you learn how to do these kinds of deals not just once but two, three, or four times a year, you can rapidly add thousands to your monthly income each and every year and hundreds of thousands of dollars to your net worth.
I know, because I've already done it twice... and Justin Ford has done it time and again. Here's his core secret:
Turn $0 into $149,000 in 9 Months
Using "Other People's Money"
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"Shortly after enrolling in Main Street Millionaire, I bought my first 'pure' investment townhouse. It's a one-bedroom unit. For $41,000. It's rented now for $575. My expenses (rounded to the nearest $5): P&I $200; taxes $100; Homeowners Association (including insurance) $125 for a total of $425 and net cash flow of $150 a month... Yesterday, I completed the purchase of another one-bedroom condo. Purchase price $40,000. The appraisal sent for by the lender came back at $48,000. It already has a paying tenant (who's been there for 8 years now... Thanks for everything! Until the next update (next purchase...)" - Nurit Mittlefehldt,
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Ten months ago, Justin was negotiating the purchase of a duplex consisting of two cottages. It was in an excellent location, just three blocks from a rapidly revitalizing downtown.
The property also brought in good rental income relative to its asking price. And it was being offered at a good price compared with other properties in the area.
Justin went into the negotiations with a target price in mind. The owner came down some, and Justin came up some... but they hadn't quite reached an agreement when the owner suddenly said, "You know, I have a triplex just a few blocks from here. I haven't put it on the market yet, but I've been thinking about selling it. You might be interested in that one instead."
The new property was zoned residential and commercial. And importantly, it was on a street where builders were about to break ground for new townhouses.
The building was solid concrete block and stucco construction (CBS). It had separate electric meters (so the tenants paid for their own electric). And it was fully leased at $500 per unit. It also had a coin washer and dryer that brought in another $75 a month.
Gross income: $1,575 a month, or $18,900 a year.
When asked what he wanted for it, the owner responded, "You know, I haven't really thought about it much. But I guess I'd take one-sixty ($160,000) for it."
This was an excellent deal. Looking at comparable sales prices and rental income, it was worth closer to $250,000. Plus, with $1,575 per month in income, the property would more than pay for itself even if it was purchased bought it with 100% financing (no money down).
So Justin made a combo offer for both properties... the duplex and the triplex. They settled at $298,000 for both... or $149,000 per property. Justin bought them... with 100% financing.
Here Is One of the Keys to
Making the Deal Work
A fter all carrying costs, the two properties net almost $400 per month. And that's after buying both of them with no money out of pocket... even financing the closing costs.
Better yet, within a month of these purchases, Justin did a similar thing with a single-family home. He bought it for $92,000 but got $2,000 back at closing... for a net cost of $90,000.
The total PITI (Principal, Interest, Taxes, Insurance) on the property is $680 a month. Tenants pay the utilities and take care of the lawn. The rent is $875. That gives Justin $195 net cash flow per month on another property that he bought with 100% financing.
A few months later, he did a "virtual no-money-down" deal. That's where he put down 10% of the purchase price, and then got that money back (plus a little more) at closing.
I'll tell you how that deal unfolded in a moment. First, let me show you how these deals alone have already added hundreds of thousands of dollars to Justin's bottom line.
How to Lock in $149,000 Profits... at a Minimum
Justin structures his deals so that each of his properties at least pays for itself. It's like having guaranteed, large returns in the long term... and a good possibility for even higher returns in the near term.
Take the triplex, for instance. Even if it never rose in value by a single dollar, the rents would still pay off the mortgage. So Justin owned a property worth $149,000 free and clear. And that's in addition to net rents he could collect over the years.
However, if it rose by just the long-term average of 6% a year, it would be worth about $275,000 after 10 1/2 years. And the loan would be paid down to about $126,000. The difference is $149,000. That would be Justin's equity. If this had been you making the deal, you'd be looking at turning $0 into $149,000 in about 10 years in this average scenario.
But Justin expected to do even better, which he did... because he bought significantly under market value to begin with. In just nine months, he's built up over $149,000 in equity on this one property.
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Portrait of a Positive Cash Flow,
Zero Dollar Real Estate Deal |
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Real estate math isn't complicated. You get income. You've got carrying costs. The difference is your net cash flow. But here's the key: When you learn how to buy at a deep discount to market value, you can generate a positive cash flow even on properties you buy with 100% financing. For instance, here's how the numbers worked on the triplex Justin bought with no money down:
Total PITI (Principal, Interest, Taxes and Insurance) and Utilities: $1,290 NET CASH FLOW (Income minus Carrying Costs): $285 That's $285 a month in cash flow after financing everything, including the closing costs. More importantly, as the property appreciates in value and the loan is paid down by the rents... you get all that growing equity! And when you learn how to buy at a deep discount to market value, you can pocket tens of thousands... even hundreds of thousands... of dollars in "instant equity" in a very short time, sometimes in just a matter of months. |
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Building Instant Equity When -
You Learn to Buy Under Value
Nine months after buying this triplex, Justin got a Comparative Market Analysis (CMA) on THE property.
This type of analysis is done with software from the country's largest association of real estate agents. You enter the address, and the software searches its database and randomly selects recent sales of similar properties nearby. There's no "finger on the scale," as they say in the grocery business.
Here are the "comps" (recent comparable sales) the software pulled up...
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Comparable Properties Recently Sold
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Address
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Original List Price
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Recent Sale Price
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| 416 N H St. |
$249,000
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$244,000
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| 717 Tallapoosa |
$319,000
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$312,500
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| 501 Sunrise |
$320,000
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$315,000
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| 708 Tallapoosa |
$389,000
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$339,000
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| Average |
$319,250
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$302,625
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"Main Street Millionaire got me to take the plunge and start investing in real estate the right way - with a sharp eye toward value. I bought my first property $25,000 below market value and with no money down. Last month, I just bought my 2nd property. I'm only 25 years old and I expect to have my first million by age 30." - Kyle Hodgens,
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Factoring other variables like replacement value and rental income, the value of the TRIPLEX came in at nearly $303,000... just nine months after Justin had bought it under market value at $149,000!
What's more, the leases have just renewed at a rate that brings in another $100 a month. That not only boosts Justin's income by $1,200 a year, but it also helps support the property's resale value. A rule of thumb in the real estate world is that each $1,000 increase in income tends to increase resale value by $12,000 to $15,000.
There are other sweeteners to this already profitable deal. The property is zoned for dual use - residential and commercial. And there's room to add two more units. In other words, it hasn't yet been developed to its "highest and best use"... to use a real estate term.
This represents tremendous untapped value for Justin to develop it himself... or sell it to another investor or developer at a premium.
How to Build $362,491
in Instant Equity
D on't forget: Within the past year, Justin was also able to buy two other cash-flow-positive properties with no money down... and one that was a "virtual" no-money-down deal. These, too, were bought significantly under value... in a fast-rising market. These factors created "instant equity" in each case.
Justin defines "instant equity" as the difference between what you paid for a property and what it's worth on the market around the time you buy it. Let's take a quick look at the instant equity Justin got on his four deals...
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Address
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Purchase Price
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Independently Assessed Value
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Instant Equity
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Time Transpired
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Low
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High
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Median
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| 820 S. Fed. |
$149,000
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$298,842
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$306,408
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$302,625
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$153,625
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9 months
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| 311 S. K St. |
$149,000
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$242,595
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$248,737
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$245,666
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$96,666
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10 months
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| 25 S. C St. |
$90,000
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$156,716
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$160,684
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$158,700
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$68,700
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11 months
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| 2101 Park St. |
$120,000
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$161,456
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$165,544
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$163,500
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$43,500
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2 months
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| Totals |
$508,000
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$859,609
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$881,373
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$870,491
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$362,491
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As you can see, the market values come in a range from "low" to "high." Using median values, the combined market value of the four properties comes in at $870,491.
Justin paid $508,000 for these same properties... giving him instant equity of $362,491!
But, to be conservative, if you consider just the low values, there's $351,609 in equity built up in less than a year on properties he bought with zero down. And if you go a step further and knock a full 15% off those low values...
It's still over $200,000 in instant equity in less than a year!
The Single Most Important Thing You Need to Know
About Zero Dollar Real Estate Investing