CHAPTER 1 INTRODUCTION
FREE NO
DOWN AND CREATIVE FINANCING
REAL ESTATE TECHNIQUES
Want
to... Earn More Money From
EVERYTHING? Including Home
Loans? Grow Your Existing
Business? or Start a New
and Exciting Career? All at
No Cost?
Click Here
to
Learn How!
Learn how to buy houses, homes
and commercial properties for
absolutely Nothing Down and even get
cash back at close of escrow!
With absolutely no down
payment.
Workable
FREE
creative financing and no
money down real estate
investment courses, books and
techniques are unheard of, and the
operative word is "workable".
It's true that creative
financing and no down courses and books are
available everywhere-- But
they are not
cheap, they aren't FREE and they
often neglect to provide the
best stuff. The truly
effective no down
techniques usually are closely
guarded secrets that are
usually revealed only after
paying hundreds or even thousands
of dollars for seminars and
multi day conferences. Even then, they
usually consist of information
that is often outdated or
unusable in the real world.
They often sound great but just
don't work. I promise you,
the
financing techniques and
information that follow are real,
are truly FREE with no surprise
paid for upgrades... and most
importantly, they actually work.
Everything has either been used
successfully either for myself
or by me for a client, or by one
of my contemoraries.
Why am I giving away all of
this information? For a number
of reasons...
1.
I'm a nice guy! Well maybe,
that's not the only reason, but
it really is part of it. :-)
2.
Hopefully, if you need help
financing a transaction (No Down or
otherwise), you might use us for
your home loan or one of ASN's
hundreds of partners for
other business or personal
needs. We provide an
array of legal and financial
solutions unlike any company
in existence.
Additionally anything
you could possibly need or
want is available through our network of
merchants and professionals.
If
you need it, it's here and
for less!
Take a look around, every
company you see wants to
serve you... to earn your
business and the business of
your friends and family.
See the links to which they
will go!
Click
Here
3.
If you get into an especially
complicated transaction or have
other needs, mortgage
reduction, taxes,
bankruptcy, etc... We
have affordable solutions
and hope you will give us
the opportunity to show what we can do
for you.
We are committed to
providing the best services
at the lowest possible
costs.
You see, I haven't really
provided all of this with no
hope of anything in return, but whether
or not you EVER, use any of our
partners or services... the information is
Here--
it's
yours.
And it's
free.
One
More Thing...
Don't make the age old
mistake of thinking "you get
what you pay for".
I promise you, there is as much,
and even more workable information on
creative financing and no down
techniques in these pages than
many courses I've
personally examined that others have
sold for well over $500. There
is a treasure trove of valuable information
here. Use it and feel free to
share it.
Good Luck
Bruce E Castro
RULE #1!
With Motivated Buyers and
Sellers All Things are
Possible!
You already know a bit about me.
I'm
Bruce E Castro, founder of the
solutions network and I want you
to know that what I'm
about to tell you is in no way
meant to bolster my ego, or even
to enhance anyone's perception
of me. It is for the sole
purpose of letting you know that
the information I am about
to share with you is real life,
workable, stuff.
As you read
these pages you may sometimes
ask yourself "can you really do that!".
If it's here... the answer is
always yes!
People all over the country have
used these techniques to start
investment careers; or to
get that sense of family
security that can only come from
owning your home rather than
renting and dealing with ever
increasing rents... then at the
drop of a hat having to move and
change your children's schools
all because the owner decided to
let uncle Bill move into "your"
home.
Thousands are now home owners
because after being told by "the
professionals" that buying was
impossible for them because of
their job, their income, their
credit, lack of cash, etc...
they found and followed these
principles.
The
professionals were wrong... and
they still are... Most have no
clue these methods even exist...
Let
alone how to put them in
practice! What
we teach will never be found in
real estate schools.
Realize this--
These no down techniques DO work--
and can they be utilized by
anyone! I've been in the real
estate industry in one way or
another since I was
18 years of
age. By the time I was 23 I
had purchased about 15 houses--
Over the course of my career, I
couldn't even tell you how many
homes I've purchased-- all
with absolutely nothing
down!
That means NOT ONE PENNEY
COMING OUT OF MY POCKET!
and in most cases,
I actually
had checks of anywhere from
$2,000 to $5,000 or more paid to me at
the close of escrow...
And I
still owned the property!
Sounds impossible doesn't it?
Well, it's not.
It doesn't take money,
it doesn't take a good job-- and
it doesn't take good credit...
It simply takes the consistent
utilization of proper creative
financing and no money down
techniques...
As you
can imagine, as young as I was
when I started, I had no money
or credit-- and no--
I didn't
have an inheritance or rich
co-signer. All I had was
knowledge that I was lucky
enough to acquire by being
around the right people at the
right time. How did I do
it? How is it still done? How
can you or anyone else do it?
In these next pages you will
find out.
These pages contain a wealth of
information on a variety
"investment" methods
all compacted in but several
pages, each geared
towards making you money.
Since I'm
not selling this information, I
don't have to impress anyone or
work to justify a high price by
writing a 200 page treatise.
I'm giving you the straight
facts as quickly and clearly as
I possible. The faster you
can get through it and
understand it... the quicker you
can start take advantage of what
it can do for you.
I'm
a firm believer in financial
diversification. In other
words, creating income from many
directions. It is with that substantially, mind that
The Solutions Network
was created-- to help in the
quest for financial
independence. Obviously, each
financing method will work equally well for
a man or woman. But, since it
is simpler to write "he" and
"him" rather than he/she or
him/her, that's what I have
done.
READING IN
SEQUENCE IS BEST
Keep in mind that reading the
chapters out of order will
diminish the value of the
information.
Much like looking at one corner
of a Rembrandt painting can not
give you a complete appreciation
of the totality of the work. So
it is with this course.
No, I have no illusions of
being a financial Rembrandt :-)
but the analogy still; holds...
The whole is greater than the
sum of the parts.
Each
chapter is a building block,
each is partially supported by the
information of the previous
chapter. For example Chapter 5
may not make much sense without
an understanding of the
principles of chapter 4 and so
on. By all means, peruse-- jump
around.
However, if you want the full
advantage of what is contained,
at some point, read it from
beginning to end.
You will find many
valuable techniques.
Some will seem so simple that
you will find it hard to believe
that they work- but they do! Others,
conversely, may seem too complex
to actually be of little use,
but for the right circumstances,
they will be perfect.
THEY ALL WORK!
I want to
repeat this...
Every
technique and method taught is
both effective and
workable. I have been
heavily involved in the Real
Estate industry since 1976 and
every method
I am about to show
you, I have either used for
myself, used it in structuring a
transaction for a client or have
seen it used by a contemporary.
So, be assured, these techniques
are working for others and they
will work for you.
USE THIS
INFORMATION WISELY AND ETHICALLY
Something
else to keep in mind while
studying this... Some of the
ideas included here, quite
frankly, are in gray areas of financial
legislation and must be used
ethically. In fact, as
to a few, I have been
advised to refrain from
even disclosing them; however, I
they are here nevertheless, for the
following reasons:
1) Although,
one of
the financing methods,
if used IMPROPERLY, can
cause legal difficulties;
however, if used for the right property,
under the right circumstances,
and with the right intent, it is
the ideal "nothing down" method
for both you and the seller.
2) For loan qualifying
purposes, you will learn how
others have created their own
income history to
show the
income needed to qualify.
Obviously, this is information
that no lending institution
wants you to have, but as head
of The
Solutions Network,
my goal isn't to look out for
the interests and desires of
banks... they do alright on
their own... my commitment
is to give you and every ASN
member or visitor, every tool
and every bit of information
possible to help achieve
their goals.
Real estate
financing is an art,
and like any art form, you are
limited only by your creativity.
There are onlyh so many
circumstances than make a down
payment and get a loan work.
-
It
doesn't work if you have bad
credit.
-
It
doesn't work if you have
little income or no job at
all.
-
I
doesn't work if you don't
have little down payment..
or none at all...
Even if
you fall into the each of the
above categories, you can become
a homeowner. There are more methods and
techniques for buying than most people
would probably ever imagine; and
no matter what your financial
situation is, there absolutely is a
way for you to
become a home owner or the
owner of profitable rental
properties and investments.
TWO GENERAL SECTIONS
I have
broken up the real estate
portion of the financial guide
into two general sections.
The
first section assumes that you
have some assets to work with;
not necessarily cash, but
rather, maybe you already own a
home with some equity in it,
have a second car you don't
need, or
possibly in the past you sold a
property and the buyer still
owes you for part of the equity
you had.
The second section
assumes that you have nothing to
work with except your desire to
acquire real estate... No cash,
No equities in properties, No
notes due you,
Maybe, even no job!
No matter
what your situation, these
methods will work for you.
NOTE:
As mentioned above, in
explaining these various real
estate financing methods, I am
condensing a tremendous amount
of information into limited
space. In doing so, I may, at
times, inadvertently use a term
or phrase that is unfamiliar to
you. If this happens and I have
not explained it fully somewhere
in its section, don't hesitate
to call a local real estate
agent or escrow company. I
assure you, they will be more
than happy to explain it to you
fully; the agent because he
hopes to be able, at some point,
to make a sale. The
escrow company because they hope
you will open the escrow with
them.
My goal in writing this
is not to give you a complete
detailed education in real
estate law and phraseology but
rather in foundational principles.
Laws and
phrases vary from state to
state,
but principles are universal.
My goal is to teach you
the nuts and bolts concepts you need to
evaluate a property, and to make
the best decision as to which
financing method to use.
On
occasion, while giving actual
examples of how a certain method
was used, I may allude to a
principle that although, not
explained as a financing method,
is nevertheless of such
importance that I feel you
should etch it firmly in your
memory. Any information
that fits into that category
will be
bolded. So, if
something is printed in bold,
please pay special attention.
Chapter 2.
II No Cash Down
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