Earn Up To 8.6% On Your Cryptocurrencies

Earn Up To 8.6% On Your Cryptocurrencies

Do you hold (HODL) bitcoin, altcoins, or stablecoins? Blockfi is offering up to 8.6% monthly compounding interest on select cryptos. Note: Blockfi offers the highest monthly compounding interest on stablecoins, with BTC being the next highest, and altcoins as the lowest.

Keep your crypto with a secured loan

Do you hodl your cryptos, and want to put them to use, but without having to sell them? You can also consider using a secured crypto loan. You deposit your crypto, and are giving a certain amount in a loan, based off the value of your crypto deposit. So, whether you just want the crypto for a special occasion, or for a big project, you can get a loan based off your crypto, without having to sell them, so that when you repay your loan, you can get your crypto back from Blockfi.

Additional Information

If you deposit 1BTC into your Blockfi, in a month, you can earn 0.005 BTC interest on that deposit. After a year, you can earn 0.062 BTC. Note, this assumes that prices remain stable. When prices fall, or spike, your interest for the month is reflected on that.

Also, if you join Blockfi by following any of these links, you can also become an affiliate of Blockfi, and there is currently no limit to the levels you can build.

Our Link Exchanges

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No Payments for 12 Months Hard Money Loans

No Payments for 12 Months Hard Money Loans


If you’ve ever applied for a Hard Money Loan (HML), you are probably already familiar with paying interest only payments for the term of the loan, which is helpful, so that you don’t have to pay big monthly payments, while you work on the rehab. You then pay the rest of the loan amount off, when you flip the house. How does No Payments for 12 Months Hard Money Loans grab you?


What if there was a program that would offer you flip funds, BRRR money, or other refinance money, with the possibility of even the interest payments to be deferred, for up to 12 months? Would that mean that you would have more money for your working capital? You can find out more on our No Payments HML page.

Private Equity Groups

Are you looking to sell your business, but can’t seem to get the price you’re looking for. Maybe you’re being told that the business isn’t worth it’s asking price, right now. Perhaps you’re looking to expand it, to make it worth your asking price. A Private Equity Group may be just what you’re looking for.

First, consider Selling Your Business To A Private Equity Group Is Not For Everyone – Here’s Why. “I have represented several business owners in the sale of their companies to a Private Equity Group (PEG). In every case except one, the outcome was nothing short of phenomenal for the owner, and the one negative transaction was the result of a seller not holding up their end of the deal. However, unlike a full exit in a traditional business for sale transaction, sellers have to understand that this type of deal is almost always a two-step process that requires their ongoing involvement.”

Then, Is Selling to Private Equity a Victory or a Defeat? “That’s why when most private equity groups look to invest, they are looking for great management teams who are chomping at the bit to grow and chase down every opportunity they can. Rather than an admission of failure, this is more about issuing a challenge to see how much more you can accomplish if access to capital is no longer an issue.”

If you want to know a little more about the Private Equity Group we work with, visit our opportunities page.

Up To 100 CLTV And More

100% CLTV

We have recently become a referral agent for lenders that will provide 100% CLTV. What does that mean. For residential real estate, we can lend up to 60% of the LTV. This means that the seller will carry the remaining 40%. For commercial (including multifamily of +5 units), We can go to 55%. Note, these are general guides, and can vary based on property type, and other factors.

For all intents and purposes, this can allow you to (almost) buy a property with “no out of pocket costs.” Why “almost?”

  • You will need to provide a clean title.
  • You will need an appraisal.
  • We have a doc fee, which is what the legal department charges, to draw up the documents.
  • Closing costs.

If you have a clean title, and an appraisal (between 3 – 9 months, case by case), then you will only need pay the legal fee to close the deal, and closing costs. Note, in your negotiations, you can ask the seller to pay closing costs, aka, seller credit.

Hard Money Loan (HML)

Since this is hard money, as part of your negotiations, you can offer to pay the seller the rest when you refi the property, which can be in as little as 6 months, or as many as 36 months. Note that with the 100% CLTV HML, you can do fix & flips (light to medium), but not full rehabs (including gut jobs), ground up construction, or raw land.

Interest is higher than “conforming loans,” like bank loans, as are most other Hard Money.


Starting 2019: It’s The NOI

While it has been a while since our last posting, 100K Investing, LLC, has been keeping very busy. For 100K Investing, LLC, what we focus on is NOI, or the positive cash-flow, in our deals.

Our purchasing process

We are focusing strictly on commercial deals–not apartments or mobile/rv parks–but commercial deals. The can include medical or assisted living facilities, retail shops, or just about anything that is positively cash-flowing. No distressed deals, land, notes, or construction/development projects.

We (currently) finance entirely through a combination of 3rd party financing (bridge/HML) and seller financing. We look for deals between $100K – $3M. Real estate must be for sale, as part of the transaction. It doesn’t need to be part of the sale, but it must keep the transaction to within $3M. Our lender requires to be in first position.

We offer terms, when we make offers to buy. The NOI must justify the purchase price. The NOI must be able to pay the seller financing, the interest on the HML, and pay the refi. On the refi, on average, it must gross $15k/mo, or $180k/yr. We will verify the finances during our due diligence phase.

When the due diligence phase is complete, we can fund, on average, within 5 days. Prior to this, we will need a BPO/appraisal of the building. If you don’t have one, completed within the last 9 months, we will order one.

We would like to know what the sellers’ tax strategies are. When selling, the amount of money the seller will receive is a large windfall. We focus on two options, regarding the seller financing, based on the sellers’ goals. We can either continue the seller financing, for the duration of the time it takes to fully pay off the seller, thus keeping the amount of tax they pay in any one year lower. Or, after a period of 12 months, we refinance the seller note, paying the seller in full. We can use whichever method works for the seller.

JV/Partnering Up

As mentioned above, our lender requires a first position. If you aren’t willing to take a junior position, we may not be able to work with you. If you have a self-directing IRA/SoloK, Home Equity option (Loan/Credit/Sharing), and are not concerned with “position,” so long as you are paid a return, we can be flexible. Note: our financing is interest only payments, so any deals we work on must already be positively cash flowing, to cover the interest payments, from the beginning of the transaction.

Now Featuring SSL and More!

Now Featuring SSL

For the longest time, we’ve been wanting to add more security to the site, but not something that would be too technical, nor expensive. As we may have mentioned, we’re a big fan of Linux, and our prime system is Linux Mint. Thus, when ever possible, we like to use Free and Open Resource Software. For a while, we were trying some Word Press Plugins, but they just weren’t working.

Finally, there were two options. The first is Let’s Encrypt. A number of the WP Plugins seem to use this, as it’s free. However, it didn’t seem to be working, and after trying a few options, looked at another option.

That option is SSL For Free. This allows the creation of the SSL certificates needed, and to create them in a simple text file, where it can then be taken into the C-Panel, go into the security section, and copy-paste the needed information. Now, 100K Investing, LLC, has a secured site. Thus, when going through the pages, and especially on the submission forms, they are secure. Previously, the secured forms were SSL were hosted on other servers.We’re leaving a few external forms, but most are now hosted locally. We did have to go through, and recheck the http urls are now https, and we believe we have that accomplished. If you see a page that has that url, from our site, please contact us, so we may fix it.


We now have an affiliate section, for those who are interested in promoting our Equity Share program. Affiliates will earn 1% of the money loaned to home owners. So, if a home’s worth $250,000 × 15% (amount loaned) = $37,500 to the home owner. $37,500 × 1% = $375 to the affiliate, upon closing.

For second/vacation homes, and rentals, in certain states, affiliates will earn a flat fee of $100.

When an affiliate refers another affiliate, that affiliate receives $50 for each primary home owner transaction closed, and for second/vacation homes, and rentals, in certain states, a flat fee of $25, and the referred affiliate receives their fee, as outlined above.

We will also be looking to open an affiliate program to our retirement account affiliations.

Equity Sharing News

Leverage your house to invest, no monthly payments nor interest!

In this last blog post, we introduced you to an alternative to HELOCs, HELs, and Cash-Out ReFis.

Since the initial information, we have added new pages to add information about How Equity Sharing Works, Looking Beyond Your Credit Score, Repaying Equity Sharing and Fees, and even have an Affiliate Program set up, for affiliate marketers. Even if you’re not an affiliate marketer, but know someone who may wish to have a loan based on the appraisal of their house, for no monthly payments nor interest, we can still offer you a referral fee.

There are two investor firms we work with. The main differences are that one will offer Equity Sharing on second/vacation homes, and rentals, and the other doesn’t; only in CA and WA. The other is that one works in more states than the other. The full list of states that Equity Sharing is currently available in are:

New Jersey
New York
North Carolina
District of Columbia / Washington D.C.

An affiliate does not need to live in one of these states, only the home owner does. Currently, we are only accepting affiliates in the US, but as we continue to grow, we are looking to offer the program to affiliates anywhere that PayPal works.

We are looking to JV!

We offer 50% of the *purchase price.* $100K – $5M (property value should be at least 200k and within 5million. Over $5M is case by case). Buy & Holds only. Closing, legal, appraisal, etc. fees not covered. We’re looking to passively invest. All 50 states.

We prefer commercial or MFH of +5U. Bulk/tape (including SF portfolios) of +5U. No war zones, land or development projects, RV Parks, nor notes. Can do mobile home parks; Townhouses/condos are case by case.

For more info, check out the work with us section.

Leverage your house to invest, no monthly payments nor interest!

When one wants to tap into the equity of their home, as the image above demonstrates, one usually has 3, main, options, that just about anyone can use:

Option 1: HEL (Home Equity Loan),

Option 2: HELOC (Home Equity Line Of Credit),

Option 3: Cash Out ReFi (Refinance).

Each of these have pros and cons. HELOCs are generally considered the “easiest,” whreas the Cash Out Refi is considered the “hardest,” where the HELs fall in between. What you need to keep in mind, for all of these is that in most, if not all, circumstances, while you will have “cash” for your investment options, you will now have two debts: your original mortgage (or new mortgage, for the ReFi), and your new loan.

Investors will loan you an amount of money—ranging from 10 – 20%–and charge you no interest or monthly payments.

To learn more, visit our No Money Investment Page.


Up and coming information!

Summer is here, and we have some up and coming information for you!

We have redone our navigation at 100K Investing, LLC, and have recreated our financial information section.

We have included information about Self-Directed IRAs (SDIRAs), as well as SoloKs. These options that have some similarities, in regards to your investing options, but also, distinct differences. The most distinct difference being the SoloK is primarily available if you own your own business, and the only full-time employees are yourself and spouse; SDIRAs are open to anyone.

We will be looking at having a series of monthly workshops throughout Spokane County, to help educate the community about these options. In addition, we will be looking at holding a series of webinars, to provide information to people outside of our local community, to help open up the opportunity for them to learn about investment options.

Please note: at no time, during these workshops, will deals of any sort–businesses or real estate–be offered. These workshops will only provide information, to help you with performing your due diligence.

Getting Started In Investing? Passive Investing?

Real estate investing is NOT easy. If it was, there wouldn’t be all these gurus and infomercials selling you “education.” They would be doing real estate. So do both, but many sell you stuff, and sell, and sell…I’ve “been there, done that…and lost the film rights!” Ok, maybe not that last, but it seems so!

There are a ton of areas in REI: bird dogging, wholesaling, fix & flip, land, rentals, single vs multifamily, commercial, notes, short term rentals (Air BnB), and on. All of these, except for bird dogging, and maybe, if you do the deal great wholesaling (or lease option/wholesaling), you need green, and I’m not talking about paint, for the flippers, either!

You can go the way of hard money, and if you have the money for your “skin in the game,” a lot of successful flippers do so. I know of one HML which offers 100% funding. I have NOT used them, so cannot say anything about it, but wanted to point out the resource.

Also, if you’re looking to wholesale properties, and don’t want either party knowing what you’re making (suggested if you’re going to make between $5 – $10k, or more), then you may want to try Transactional Funders. Same rule as above, in that I haven’t used all of them.

But maybe, you’re wanting to go more. Maybe you’re tired of getting deals under contract, but having to let the deal expire, because you can’t get a buyer: they don’t have funds this month; it’s in the wrong zip code; it has a pool, and they don’t want the hazard, or many other options. For that, you need Private Money, which I loosely define as money not from any sort of institutional lender, “bank alternative,” or someone soliciting you on a real estate social media platform. If the terms and figures seem like Hard Money, then it’s Hard Money, by another name.

The best option for REI, IMO, is networking with others, presenting a large, unified front, to find private money. One of the best sources, is Self-Directing IRAS. If you’re unfamiliar with them, then watch this short video.

We’re looking to network with other real estate professionals, no matter your experience level. If you’re interested in working together for mutual benefits, please contact us.

Updates and Corrections


I appreciate those that have reached out to me, to let me know that some of the email forms weren’t working, on both the cash buyers and JV-wholesale forms. I’ve removed the pages, and opted for a simple contact page, with appropriate phone numbers and emails. There were a few other faulty links and pages, which have now been fixed.


The opportunities section (eg, co-wholesaling), and the identity theft are now under the About Tab. There’s the About section (click About to go to that part), Opportunities, and ID Theft.

We will probably be removing the Factoring Section, shortly, as it’s not in line with our main focus of real estate investing.

We’re now relaunching our Lease-options opportunities, with a focus on JVs with other investors looking at the L-O arena (four sections; click on the Lease Option tab for more info, regarding LOs).

A List Of Transactional Funders For Real Estate Wholesalers.

A List Of Transactional Funders For Real Estate Wholesalers.

I have uploaded this list of Transactional Funders via Google Drive. You should be able to read it right from the drive. Let us know if you have a problem downloading it, if you wish. If you don’t have Excel, and want to view it offline, without Google Drive/Dox, I suggest looking for a freeware version of the software, such as Libre Office, which is what I made this in. Other Free/Open Sources include Open Office, or some other choices for you.

Based on their data, which I’ve placed in this sheet, Lima One Capital is probably your best option. They have no extra fees (processing or wire) and have a 1.75% interest.

Straight Line has a lower interest rate, but don’t work in all states.

ICF doesn’t work NY or GA, so if you’ve deals there, you won’t be able to use them.

There are 3 that are nationwide. However, they charge processing or wire fees. You may find that one of these others are better suited to you, and you may develop a good rapport. Some companies, when you do a certain number of deals with them, or in bulk, offer better terms; it never hurts to ask!

These are not the only Transactional Funders; just the ones I’ve come across at the time of this writing. Most, and possibly all of these funders will cover the closing costs, so when you present your cash offer on your deals, which you’re doing as someone with a transactional funder, you can also tell them you’ll cover closing costs. However, issues like back taxes, liens, etc. may not be covered by transactional funding. It will be something that you’ll need your end buyer to be aware of.

Terms For Investing And What They Mean

Terms For Investing And What They Mean

In the last post, we looked at some of the ways to invest in real estate. This included auctions, REOs, subject to, and Lease Options. Here, we’ll go over some more terms, what they mean, and as applicable, elaborate on them.

The ARV, Comps, and 70% Rule.

When you get involved in REI for any length of time, especially with SFH, you’ll come across “The 70% Rule.” What this means is that you find the ARV (After Repair Value or Approximate Retail Value), sometimes called the Fair Market Value of the subject house. Boiled down, the ARV is what the average cost of similar sold houses in the area, and are a guide for what your subject house may sell for. Remember, REI is an art, not a science. “A house is only worth what someone will pay for it.”

How do you find similar homes? These are your comps. Generally, you want 3 – 6 homes for your comps. Two, generally, aren’t enough. Anything more than 6 is generally going over board. These are only houses that have sold; houses that are still for sale are not accurate, as their final sold price may be vastly different. The guidelines are as follows:

  • The houses should have the same number of bedrooms and bathrooms. Often, you may not have houses that match the same number of beds and that. In these cases, the first number you adjust is the bathrooms, going no more than 1 more, or 1 less. After you’ve gone through your comps, and if you still lack enough comps, you adjust the number of bedrooms, 1 up, or 1 down. Again, this is a guide.
  • It is preferred to find the comps that are those that have been sold within the last 6 months. In bigger cities, like NYC or LA, this shouldn’t be a problem. However, in say, Plummer, ID, this may not work. Then, you may go back 9 months. While you may go back 12 months, the comps aren’t considered as accurate, because “the market changes.” But, if you’re in a smaller market, it may still hold.
  • The next guide is that of a property that is no more than 1 mile from your subject. Property values can change within a few miles, and sometimes, even in the same block. While some prefer 0.5 miles, you may find yourself having to go out 1 mile. In other cases, you may find yourself having to go out 1.5, or even 2. Similar to the 6 months time frame, the further out you must go, the “less accurate” your comps can be.

Another option is a CMA, or Comparative Market Analysis. This is done by a real estate agent. It can provide more accurate details than the ARV, and can include a BPO, or broker price opinion.

All of this helps you determine your MOA, or Maximum Offer Amount. Once you have the ARV, this isn’t what you offer the seller, or else you won’t be able to turn a profit. The 70% rule is that the most you’ll offer someone is 70% of the ARV. For simple math:

  • You have a subject property, and are using 3 comps.
  • Each of the 3 comps sold for $100,000.
  • Your ARV is $1000,000 (3 homes X the sold price of $100,000 = $300,000. Divide that by your number of comps, and you have $100,000).
  • 70% of your ARV is $70,000. That is the most you offer, but that’s mainly if you’re flipping. You also need to take away your estimated repair costs. Then, if you’re wholesaling, you need to subtract your wholesale fee: anywhere from $2K – $10K. You can do more than $10K, but at that point, you don’t want to assign the contract (some say not above $5K). Instead Transactional Funding is what you’ll most likely want to use.
  • Often, it’s suggested that you offer be 65% of the ARV, or even 60% of the ARV. The deeper the discount, the better your options.

How To Find Your Comps.

There are a number of sites that you can use to find your comps. Some are easier to use then others. There’s Zillow, Trulia, Realtor, Redfin, and others. When you enter your subject property into one of these site’s search box, in many of them, you may see the site’s estimate, such as Zestimate. However, these aren’t considered accurate, and if you present the Zestimate to an investor, they’ll reject the deal, then and there, and probably won’t look at any future deals. Use these sites to find comps, as outlined above.

One option others may tout are sites and banks “Value Calculators.” Some include RE/MAX,Bank Of America, or Chase Manhattan, which show prices of homes in the neighborhoods, their BR/BA (bed/bath), etc. But just like the Zestimate, these can also be off the mark. Thus, the art of running comps, to try to get a more accurate value of the home.

A few sites include Real Estate ABC, Find Comps Now, or REI Kit. And as you read above, even the ARV is an art, not a science. For one thing, not all of the sold comps can be listed, in which case you need access to the MLS, which isn’t free. If you’re not a real estate agent, broker, assistant, or like, you may not have access to it. Some sites do provide access to the local MLS, but not all do. So, while a CMA, with full access to the MLS, and all properties sold, will tend to be more accurate, until or unless you develop that sort of close relationship with someone who can provide access to the MLS, your options are the creative art of the ARV from the above sites, and to remember to estimate on the side of caution. Estimate higher repairs, for example.

In the next post of this series, we’ll outline some transactional funders.

Methods To Buy Real Estate

Some of The Methods To Buy Real Estate

If you missed the previous post, we discussed Getting Started. We touched on shows on HGTV, single family, multifamily, and a few other topics. Now, onto some methods.

There are many methods to buy real estate. However, not all methods work for the investor. For example, buying a home with traditional bank financing usually isn’t recommended, because for one, you’re putting your personal credit on the line, and it’s generally advisable to use other methods. This blog post will cover some of the ways and places to buy Real Estate. Note that links to external sites are not endorsements. Rather, they are just one site with information on the subject matter, provided for educational usage. We do not suggest following their techniques, unless you know what you’re doing, or have someone to help walk you through it. Note that we will focus directly on buying real estate, and not methods such as real estate investment trusts.

Buying Real Estate At Auction.

Should one buy real estate at auction? The initial appeal of looking at real estate at auctions like Auction.com, and others, are that they’re cheap. BUT, you generally must put up deposit money, which can be a few hundred, or thousand, to bid. If you’re just getting started, this may not be the best method to go. Depending on the site, some deposits may be refundable, and others may not. In addition, if you win, but don’t meet the reserve figure, then you don’t get the deal. Finally, remember that you’re competing against everyone else who is at the auction, or looking at the auction site. They people who are auctioning the property are looking for the highest bid. In the case of bank auctions, especially, they’re going to announce it on every platform available to them, to increase the chances for a high bid. Finally, it can be very difficult, if you’re not the end buyer. For the same reason that you can’t assign the contract of an REO, you can’t assign a won auction…indeed, if you read the above, you’ll possibly need a few thousand, just to bid. Then, you’ll need to be able to close at the auction, or within a set time, sometimes within 24 hours. You can use transaction funding (there will be a post about this, later) to buy that, but you’ll need to have your end buyer in place. Of course, if you have your end buyer lined up, or make some sort of arrangement with them, you can always buy the house in the name of an LLC, with yourself as “manager.” Then, if you win the house, you “assign” your ownership in the LLC to the end buyer, who comes to closing as the “owner” of the LLC. Make sure you follow your jurisdictions regulations for buying and selling a business. For more about auctions, read this article on Investopedia.

Buying REO, AKA, Real Estate Owned: Houses Owned By

The Bank.

Generally, after the auction, a house that doesn’t sell at the auction becomes REO. The bank owns it. Bigger, national banks—Bank of America, Chase Manhattan, Wells Fargo, etc.–have their own departments that handle these properties, and are placed with a realtor to sell. Often, they will try to sell the house at market value, to make up for their losses. These can sometimes be good deals, but just like there are a lot of people trying to get a good deal at an auction, there are a lot of people looking to buy REO. You’ll need to run the numbers, to see if it’s a deal. If it’s close to retail or market value, you won’t be able to wholesale it. You may be able to flip it, or buy it for a rental, of course. However, as mentioned in the auction section, wholesaling it is another matter. Also, as mentioned, you can use transactional funding, or “assign your LLC.”

Smaller, local banks, credit unions, or regional banks may or may not have the same resources for dealing with REO. Likewise, since they’re smaller, they may not have as many, or any, REO to buy. These can also be difficult, because unless you know who to talk to, and how, you’ll beat your head against a wall of gate keepers. Even if you reach out to “disposal managers,” finding the right people can be difficult for the new investor. Here is a little bit more on REOs. One other article I’ll point you to, regarding REOs, is about “shadow inventory.

Buying Real Estate Subject To.

In short, Subject To means that you are agreeing to buy a house, subject to the existing mortgage(s), along with any taxes or other encumbrances. This should not be confused with assuming the loan, which is the more “formal version.” The owner deeds the property to you, and you take over making the payments to the lending institution. For more on this, and some tips for due diligence, read this article.

The Lease Option.

There are a lot more methods, but the last I’ll touch upon is the Lease Option. Unlike a lot of other methods of REI, the Lease Option tends to focus on the “pretty homes,” or those that may need cosmetics, small updates, and “light repairs.” The Lease Option can be used in conjunction with, or independent of, rent to owns. They usually do involve seller financing of some type.

Have you ever leased a car? If you have, then you already know what a lease option is. When you lease a car, you do so with the option to buy it at the end of the lease period. If you don’t wish to buy it, you can give it back and buy or lease another car. Substitute house for car and you’ve got the idea!

A lease option is exactly what it says it is. It means leasing the house with the option to buy the house within a certain time frame at a predetermined price. This process may also be referred to as lease purchase or rent-to-own. Many people think that this procedure entails taking a security deposit plus the first month’s rent, putting the tenant in the property and waiting for the tenant to call at some point and say: I’d like to buy the house now. That is a lease with the hope that the tenant will buy! How we lease option a home is not even in the same universe. All the conditions of both the sale and lease will be spelled out in advance and a specific time line will be adhered to.

Why Do Lease Options work?

Lease options work because there is a huge market for them.

This market is made up of buyers who have some sort of problem that will not allow them to qualify for a mortgage. The problem could be bad credit or lack of the full down payment. A lease option affords these people the opportunity to purchase a home that they otherwise could not acquire.

On the other side of the coin, a lease option helps a homeowner to sell a home that for whatever reason (job transfer, divorce, retirement, location of house, etc.) could not get sold quickly enough or in a conventional manner.

The lease option process is not very complicated. Lease options work because both parties need each other. I find these people and put them together.

What Are the Lease Option Benefits to Tenant/Buyers?

Price locked in up front.
Low down payment.
No loan qualification needed.
Option consideration.
Time to obtain good financing.
No taxes to pay.
Time to repair credit.
Time to save additional down payment.
Time to check out the house and neighborhood.
And some others.

What Are the Lease Option Benefits to Landlord/Sellers?

Huge market of buyers all the time.
No management headaches.
No realtor commissions.
Higher quality of tenant.
Seller [may] retain tax shelter [check with accountant for specifics].

In the next post, we’ll get into some terms, and what you’ll need to learn, regarding wholesaling, and investing SFH.

Getting Started In Real Estate Investing

You want to get started in real estate investing?

That’s great. It’s a nice field to get into. The question is why? Did you see a show on HGTV? Did you see the thousands of dollars they made…realizing of course, that it can take 2 – 6 months–and sometimes even longer!–from the time you close on the deal, until it’s ready to be sold. Then, you have the time it takes for a property to sell. You’re competing against EVERY OTHER HOUSE ON THE MARKET! While, in theory, it can happen within 90 days, once it’s ready, it’s not uncommon for houses to sit for 6 – 12 months, or longer. When you decide that you want to get into real estate investing, the most important things are not only what your end goal is, but how are you going to actually get to that end goal?

These blog posts will take you through some of the many methods of real estate investing, and will give you starting points. There are many aspects of REI (Real Estate Investing). The main types of REI are SFH (Single Family Homes), MFH (Multifamily Homes, like apartment complexes and mobile home parks), Commercial, and lots/land. There are more, and as I mentioned, REI has a lot of areas. For the purpose of this series, and for anyone who wants to learn with us and JV, our focus will be on SFH. This is mainly about the numbers. Could we focus on, say for example, land? Yes. But, when you look at it, nationwide, do you think there are more people who have homes to buy and sell, or lots/land?

I also want to provide some elaboration, regarding single family homes. For the most part, it’s just what you would think: a simple home, with a one or more bedrooms, bathrooms, a kitchen, and maybe some other rooms. But did you know that often, in investing, and even regarding financials, “SFH” is considered “4 units or less.” This means it can include duplexes, triplexs, and even quadplexes (sometimes called four-plexes). However, once it goes to five units—by the “powers that be”–5 seems to be the “magic number” for it to be multifamily.

Investing in SFH

Other properties that can be considered SFH include town homes, row houses, condos, and mobile homes. It should be noted that for the most part, few investors invest in mobile homes. Let me elaborate. First, if it’s in a +55 community, that is a very specific niche. When you buy, you want to buy with the end goal in mind. With everything else, an investor wants as many people as possible to look at buying their property. With this ages restriction, it limits your end buyer, and puts an unneeded risk for most investors. Then, there is the very fact that it’s in a community. For the most part, unless you develop a great rapport with the owner, or manager, as the case warrants, you’ll need to make sure it’s ok to rent your property inside of their community. There are people that do this, and there are a lot who don’t. You need to make sure all the rules you may give your tenant(s) align with the community. Most don’t want to do this, simply because they don’t understand, or want to bother to learn, all the nuances. Thus, most investors won’t do mobile homes. Also, if for some reason, there’s complications, and they have to move the mobile home, and it’s not a simple rv/trailer, it can cost anywhere from $2k – $10k, to move the mobile to a new site. Thus, it becomes another expense that investors don’t want to loose sleep and money over. The exception, of course, is if the mobile home is not part of a park. If the owner also owns the land/lot that it sits on, and the owner is looking to sell the whole thing, then there tends to be more interest in it, since the end investor has more control of the deal. Many of the above reasons can also be why some, or most, investors don’t want or like to invest in condos, or in HOAs. HOAs aren’t deal killers, but not something all investors will deal with.

In the next post, we’ll look at some of the various REI methods. Stay tuned!

Now Offering Affordable Legal Services and ID Protection

In this day and age, perhaps two of the biggest issues are legal issues, and identity theft. With that in mind, we are now offering affordable legal services and ID protection.


While people are supposed to be offered “equal justice under the law,” the sad fact is that unless you have the money to afford a lawyer–which can average at $200/hr!–you most likely will not be able to receive the legal help you need. Enter the legal plan.

For a nominal monthly fee, much less than most lawyers’ hourly fee, you can have access to a quality law firm, in your jurisdiction (US & Canada), to help you with legal issues. There are plans for individuals, families, and small businesses.

Some of the features of the legal plan–personal and small business–are:

  • You can have unlimited phone consultations and letters written on your behalf.
  • Contract and document review.
  • Discounts on additional services.

The Identity Protection Services.

We have all heard the stories of people who have had their credit cards, Social Security Numbers, and other financial information taken. However, Identity Theft is a much larger issue than that.

Child ID Theft: Social Security Numbers Stolen Before Birth!

Medical Identity Theft: Mom has authorities threaten to take her kids!

These are just a few of the types identity theft issues that exist. But instead of solving those issues on your own, you can have a team of licensed private investigators work on your behalf, for about the same monthly fee as in the legal plan. Find out more!

New Calendar and Workings

I am now using a new calendar.

I am now using a new calendar. After a lot of issues with the old system I was using, I’ve decided to give TeamUp a try. We shall see if this will work, to help scheduling time with other professionals. This calendar will only feature my “in field” time, which is 10:00 a.m. – 5:00 p.m. PST. Before that, I will be working on emails, and scheduling with my virtual assistants. Both before and after that time, unless it is an emergency, I prefer not to be called, as I am a new father, and want to spend time with my baby boy, and ask all professionals that I work with to respect that, please.

Not available on weekends.

This is two-fold. Saturdays are my Sabbath. I will not go into my spiritual & religious beliefs and preferences, just as I will not ask you yours. I will aim to respect any professionals I work with, regarding such beliefs, and ask for the same, in turn.

Since most of the people I know–for those who have a religious preference–have their day on Sunday, I’ve found that Sundays are simply best for me to have “family time,” especially with the new baby. Also, I honestly cannot recall any financial institute having hours on a Sunday, and with a lot of working being on REOs, and various NPNs/NPLs, I find it best to do the bulk of my work on days when they are open. Of course, there are various federal “bank” holidays, where other professionals can work, and unless I otherwise note on the calendar, I’m generally available during the week, on the times listed, barring unforeseen circumstances.

If it is real estate, we can work it!

My primary transactions have been with various forms of residential properties, being SFH or MFH. We are always looking to work with any form of commercial:

  • Office,
  • Retail,
  • Agriculture,
  • Etc.,

At this time, we are only working with secured transactions, and not unsecured transactions–business debt (C&I), and consumer debt (eg, credit cards)–with new clients. Before working with unsecured debt, we must have a firm and established relationship with the client. When we have completed a few transactions that are secured by real estate (REOs and/or notes), we can explore unsecured transactions, for clients interested in these sort of transactions.

Winter Has Been Long

In some ways, the winter of 2016-2017 has felt long, and mainly because some others have been having issues with the cold weather. There have been a few cases where the winter has caused some outages, which has delayed work, but that’s life.

We are now working the NPN/NPL niche, with the focus on bank and credit union nonaccurals. We look for those debts that are +90 days, and are not getting payments. Our company has a number of investors, that are interested in this, and we are looking to source these accounts.

If you work with a financial institute, and you know that there are a number of tapes with nonaccurals, Non-performing notes/loans, etc., we welcome referrals.

Looking to Explore NPNs

100K Investing, LLC, is always looking to explore opportunities. The current opportunity we are looking at is NPNs, or NPLs, also known as Non-Performing Notes or Non-Performing Loans.

At this time, or main focus will be on both brokering these notes in the Inland Northwest to those who are interested in the area, and to provide due diligence services on these notes, tapes, or pools. You can find out more my going to the cash for notes tab, and select NPN.