I have been a client and student of professional coaching programs for more than a decade making the transition from virtual learning programs to personalized coaching to make quantum leaps in the growth of my businesses. Once I gained a more complete understanding of the value of professional coaching, the financial investment in programs where placed into a clear perspective.
I have worked with a variety of remarkable people in amazing programs which account for much of what I now teach in my own coaching practice built upon the guidance given to me by my coaches. As a result of these tremendous experiences I continue to seek out opportunities to engage in and share programs from other coaches, teaching new topics, or entirely new methods in order to make major advancements in my business and life.
I was made aware of the work of Master Coach David Neagle by my friend and colleague Mary Kay Morgan. Having just completed Mr. Neagle's "Art of Success" program, I am eager to learn more and therefore am excited to share a unique opportunity to engage in a free coaching session conducted by David Neagle on July 8, 2009 The program in called "Recession Rescue with Results," and it comes at the perfect time for business owners of all kinds including those with traditional businesses, Realtors, Mortgage Bankers, Sales Professionals, Attorneys, Wealth Advisers, Internet Marketers, Network Marketers, Direct Sellers, Service Providers, Product Developers, and anyone wanted to create more wealth and success in a challenging economic environment.
On this Mega-Announcement call, you’ll also learn:
The single biggest and very real economic change affecting entrepreneurs that has already taken place in today’s economy, but that no one is thinking about, let alone accounting for.
What a Winter economic climate means for: YOUR marketing, YOUR price points, and the importance of “tangible deliverables” within YOUR offers.
Why maintaining the status quo in the current climate, especially in your business model and marketing strategy, is a recipe for ruin.
How and why YOUR business structure and positioning might actually be blocking big money from flowing in … AND what you can do immediately to open the doors to receive! (READ: Make more sales!!)
For me, this is about living my life purpose, my core beliefs and what I teach to my private students every day: That the creation of abundance in all forms is directly tied to WHO we’re BEING and the impact we’re creating (in terms of service to humanity) in the world. To reserve your free spot on the call follow this link: Make Your Reservation Here
David Neagle knows how to help you achieve whatever it is you desire in life. When a tragic accident nearly took his life many years ago, David awakened to the potential previously untapped within him. He made a decision that day to begin the journey responsible for changing his entire life, and now the lives of thousands of others.
After his brush with death, David began to study his own potential. In only 12 months, and with one simple change in his thinking, he tripled his income! Within the next two years the former high school drop-out was an executive corporate manager, a stock investor, and a business owner! David continually sought new mentors with each new level of success he attained. He began to study every great person in history! It wasn't until David began studying The Science of Getting Rich, by Wallace D. Wattles, that he fully understood the transformation he'd undergone. Wattles' book uncovered the exact change in David's thinking and in his attitude that had gotten the ball rolling; to create his unstoppable success. Biography Taken from David Neagle's Website I am personally going to be on the all July 8th and I will be participating in the complete training program that is being made available in a unique, high value format. If you would like to learn more visit: Make Your Reservation Here
(c) Copyright 2008-2009 James A. Holmes. All Rights Reserved.
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James Holmes, Global Team Builder, Coach and Trainer, combining online and offline techniques to help you grow your business. To request a free 30 minute consultation contact James by phone at 303-523-9503 or email at james@AskJamesHolmes.com
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Note: If you’d like to reprint this article on your blog or in your newsletter you have permission to do so as long as the copyright information and the resource box above remains with the article.
During challenging markets one discipline that is often overlooked is personal development and the value of maintaining a prosperous mindset. Avoid the temptation to commiserate about the conditions of the market and choose to become a stronger person and professional through self development and taking correct actions on a daily basis. I am excited about the establishment of a formal platform which will empower me to continue doing what I have done for years; assist my referral partners, clients and associates in developing a prosperity mindset, with the intention to create wealth and abundance in their businesses and personal lives.
Many of my Realtor partners and mortgage banking associates have benefited from my weekly "Wealth and Abundance" conference calls, so I am now opening the calls up to the general public. Challenging markets cause all of us to double our efforts to take the correct actions to produce the results we desire. Often the role that the sub-conscious mind plays in predicting our outcomes is overlooked and therefore our efforts at times fail to produce the results we seek.
Join me for my weekly call and take advantage of the resources provided as part of the Optimum Wealth System.
You can listen on line - Here is a link to the free pod-cast:
You can listen by telephone - Here is the number and ID:
(724) 444-7444 Call ID: 13344
In addition, my personal coach and mentor Joe Schroeder has just released his latest and perhaps most extraordinary training entitled "The Temple of Super-Mind," which is training designed to teach you how to turn your subconscious mind into a tool for success. Joe Schroeder says, "Forget about the power of positive thinking; it doesn't work because it depends on motivation as a foundation and has little to do with the science of creating wealth and abundance in life."
The "Super-Mind" program is a complete coaching program and will become the life-work of Joe from this point forward. To make it easy to get started, Joe has created a introductory course that includes 2 audio CDs and a massive, content rich workbook for only $97.00delivered to your home. This is NOT a e-book and MP3 program; you will have both the workbook and CDs delivered by first class mail. I am sharing this with all of my partners and associates.
To order the "Super-Mind" introductory program CLICK HERE and you can use any major credit card or Pay Pal to complete your purchase. You will then be invited into a powerful community of mentors, doers, achievers and you will transform your business and your life by creating wealth and abundance.
The weekly Wealth and Abundance conference calls are designed to help you realize your full potential and dreams" using the power of create thought.
Learn:
*How to recognize gaps in your life *How to help others see the gaps in their lives * How to help others see the value in taking action to close the gaps * How to ask THE RIGHT QUESTIONS to convert your prospects into clients for life * Learn the secret behind "The Secret" - correct actions
What you will learn can be applied to your full-time career and every other aspect of your life. I am committed to helping you succeed and what you will learn will help you live the life God intended you to have.
I hope that you will join me each Friday and if you find value in the call be sure to sow increase into another persons life by telling them about the call.
Title: Wealth and Abundance Call presented by James Holmes
Contact James A. Holmes, CMPS, CML, Director of Private Mortgage Banking, Cherry Creek Mortgage Company or by calling me Toll free at 888-850-6100 or email at: james@privatemortgagebankinking.net
In the first installment of my blog series "How to thrive in a Challenging Market," I wrote about the value of having the perspective in order to settle your client's fears with facts allowing them to gain perspective as a buyer or seller. Part 2 will cover "Patience," which is an essential ingredient of success in a challenging market.
I want to stress the importance of being patient as you navigate these choppy waters in an effort to provide your clients with the best advice on how to proceed with their sale or purchase.
A. First be patient with yourself by giving yourself little grace in evaluating your production numbers and pull through percentages as you build your business in a difficult environment. Remember that fear is infectious and by equipping yourself with a firm knowledge of the factors that have lead to the present mortgage meltdown and ensuing issues; you can instill a sense of confidence among your client base and demonstrate that you are the expert in your market. As you go about planning your work be sure to focus on winning the day.
B. Be patient with your clients, agents on the other side of the transaction, the lender, seller or buyer. They will bring their own set of fears to the transaction and they will without a doubt form opinions based on what they read in the media regardless of how inaccurate their interpretation may be; this is were your expertise comes in to assist them in determining what applies to them and what does not apply to them.
C. Be patient with the process from start to finish. Regardless if your client came to you by personal referral or other methods; you have an opportunity to slow down the process to the extent that there is greater understanding and more realistic expectations established.
Here is a strategy to assist you in creating and encouraging patience in a difficult market:
1. Choose a reliable news sources like CNBC Realty Check, The Wall Street Journal or www.SmartMoney.com to ensure that you are gain opinions from industry professionals from an institution point of view. These news agencies cover the topic daily and welcome contributors with opposing views followed by practical recommendations for the consumer.
2. Practice the daily formula of 5+5+5 to win the day. Make 5 outbound phone calls to your client base, write 5 personal notes to your clients or referral partners and send out 5 emails that are marketing oriented. Do this task first, prior to logging on and opening your email in box. Treat your inbound email as a reward for completing the task and winning the day.
Demonstrating patience will allow you to settle your client's anxiety and build their confidence. Part 3 will cover "Perseverance," which is a quality of character and an essential ingredient of success in a challenging market.
Contact James A. Holmes, CMPS, CML, Director of Private Mortgage Banking, Cherry Creek Mortgage Company or by calling me Toll free at 888-850-6100 or email at: james@privatemortgagebankinking.net
Isn't it striking how every morning as you wake up to the morning news all you hear is how bad the real estate market is, or how the sub-prime mortgage melt-down has cost yet another CEO to bite the dust, or how the equity crunch is solely to blame for the woes of the economy. My advice is to start your day with positive personal development and forget about watching the morning news; you will approach your day with a much more proactive "can do" attitude.
I want to share with you three golden nuggets that I picked up from one of the premiere real estate sales trainers in the country. Consider this, the person that shared these three key ideas recently lost his home, cars and most of personal pocessions in the San Diego wildfires yet he has ability to stay focused on the big picture - amazing. I hope that you will find these tips helpful in your pursuit of excellence in a challenging market.
#1. Perspective
To place our market environment into proper perspective you must know the numbers; your personal historical production numbers, the historical numbers for your immediate market and the historical numbers for the broader national market. If you have been a real estate agent for less than eight years, you only know how to function in a growing real estate market, let me say that again; if you have been a real estate agent for less than eight years, you only know how to function in a growing real estate market.
The 2007 real estate numbers will come in as the 4th best market based number of transactions closed since 1952, it may not feel like it but those are the facts. Here are the numbers based on sales closed by year: 1988 3.5 million; 1991 3.1 million (-10% lowest in 20 years); 1998 4.2 million (start of the boom); 2002 4.6 million; 2004 5.7 million, 2005 7.1 million (speculative buying begins as 40% are non-owner occupied transactions); 2006 6.4 million; 2007 5.5 million estimated.
Consider these facts in the wake of the overly hyped media view of foreclosures: 1.) In the US 30% of all homes are free and clear of mortgage debt. 2.) The total US mortgage market is 9.9 trillion Dollars of which 75 billion is sub-prime debt or .0075% of the total market.
Having the proper perspective will allow you to avoid being stricken with "market apathy," in your business and allow you to thrive as many of your competitors flounder. By having the proper perspective your buyers and sellers will view you as the expert and as someone capable of offering viable solutions to satisfy their objectives. If you have not developed the proper perspective it will be impossible to translate perspective to your clients.
So what do you need to know about your market?
Number of active listings 2006 compared to 2007 (month to month)
Average listed price 2006 compared to 2007 (month by month)
Average sales price 2006 compared to 2007 (month by month)
Average sales price 2006 compared to 2007 (calculate listed to sale price ratio)
Average 30 year Freddie Mac interest rate 2006 compared to 2007 (present month)
Once you have the market numbers, develop your personal numbers and commit them to memory. If you know your numbers you can control your emotions.
Average sales price
Average commission (both dollar amount and percentage)
Average monthly expenses
Having the proper perspective will allow you to settle your client's fears with facts allowing them to gain perspective as a buyer or seller. Part 2 will cover "Patience," which is an essential ingredient of success in a challenging market.
Contact James A. Holmes, CMPS, CML, Director of Private Mortgage Banking, Cherry Creek Mortgage Company or by calling me Toll Free at 888-850-6100 or email at: james@privatemortgagebankinking.net
The mortgage lending landscape continues to evolve week by week and another important development relatesto down payment assistance programs. Property seller-financed Down Payment Assistance Programs known as DAPs are no longer an eligible source of funds for FHA loan programs.
One such program known as The AmeriDream program www.ameridream.org/ has been granted an extension through February 29, 2008. This will allow time for borrowers who had planned to use this resource to enter lock, close and fund transactions with in the migration time-line.
Borrowers seeking 100% financing continue to see their options narrow as the industry adjusts in the wake of high foreclosure rates and the credit crunch.
Migration Time-line
Last day to for buyer and property seller execute purchase sales contracts using AmeriDream programs: February 29, 2008
Last day to lock loans under previously posted guidelines: February 29, 2008
Last day to deliver loans under previously posted guidelines: March 31, 2008
These restrictions DO NOT apply to a variety of State and County down payment assistance grants and loans provided in local markets. To learn more about eligible programs refer to my prior post on this blog or visit my Real Estate and Mortgage Blog at http://www.privatemortgagebanking.net/
Contact James A. Holmes, CMPS, CML, Director of Private Mortgage Banking, Cherry Creek Mortgage Company or by calling me Toll Free at 888-850-6100 or email at: james@privatemortgagebankinking.net
This year I completed a process which resulted in my being awarded the designation of Certified Mortgage Planning Specialist(CMPS) by the Certified Mortgage Planning Institutehttp://www.cmpsinstitute.org/
The process included a preparatory exam followed by a two day session with a number of the most highly respected trainers in the mortgage planning industry sharing best practices and preparing us for the accreditation exam. It was a very rewarding experience and the knowledge gained has been used to provide expert advice for our clients. I want to share the core commitments of the CMPS Institute, which we have adopted fully as part of our membership in the institute.
Statement of Commitment:
In delivering mortgage planning advice to home owners, home buyers and real estate investors, CMPS members are committed to:
1. Ask questions and listen to our clients in order to fully understand their needs. 2. Create mortgage solutions that complement our clients' overall financial strategy, and allow them to most effectively accomplish their short and long term financial goals. 3. Be sensitive to the fears that many homeowners have about obtaining a mortgage loan and earn their confidence as a trusted advisor. 4. Respect our clients' time and minimize the amount of effort required of them by applying our knowledge, experience, and resourcefulness. 5. Use state-of-the-art technology to complement our customer service, making adjustments when necessary to avoid overwhelming our clients who are less technically proficient. 6. Communicate regularly and proactively with our clients to keep them informed of the status of the loan and to reduce the stress that is associated with uncertainty. 7. Ensure smooth, on time closings with anticipated costs and terms. 8. Provide our clients the luxury of home loans in the future with little effort on their part, by means of an Annual Mortgage Review. 9. Measure our success by our client's willingness to confidently recommend us. 10. Take full responsibility for our actions and be honest at all times. 11. Seek to improve the quality of service we provide by encouraging each client to critically evaluate our performance.
My goal is to continually grow as a mortgage professional and to seek out meaningful accreditation to demonstrate my commitment to excellence for both my referral partners and clients. As with many Realtors, the letters behind our names represent expertise within very specific areas of expertise in our industry and further demonstrate the level of commitment to professionalism within our industry.
Contact James A. Holmes, CMPS, CML, Director of Private Mortgage Banking, Cherry Creek Mortgage Company or by calling me Toll Free at 888-850-6100 or email at: james@privatemortgagebankinking.net
I discovered Active Rain while snowed in for a few days last winter at the recommendation of my friend and Active Rainer Ken Deshaies www.activerain.com/kentheauthor. I have loved being part of the Active Rain Community having met many wonderful and passionate professionals along the way. Blogging has become a real joy for me and it has been rewarding to have found many new clients and exchanging ideas with fellow industry professionals as a result of my blogging efforts.
Reaching 20,000 points is just a baby step - like going from crawling to walking. Small as it may be, the step represents allot of blogging, great exchanges of ideas, many comments on the expressions of others and acknowledgment from your peers that your voice matters. I am looking forward to the next twenty-thousand and growing my network among the rainers.
Thank you for counting me among those who grow and thrive on Active Rain.
I have come to believe that in challenging markets the cream always rises to the top and I salute all of the great Realtors and fellow industry professionals that participate regularly as part of the Active Rain community. Collectively you are true stars and represent the best our industry has to offer.
I have posted a number of blogs over the past few months concerning the mortgageindustry meltdown and the resulting impact on home-buyers and Realtors across the country; among the blog post are theses:
Although I have felt from the beginning that the problem was much more serious than many thought and proved to be more serious than I would have predicted. I knew that this problem would extend beyond the sub-prime market and that it would bring about a fundamental change in the way Realtors must act to protect their buyers and sellers. The following is a sampling of recent closures and guideline announcements from major national lenders including many of the largest in the industry during the most difficult days of the meltdown.
RFC changed their Jumbo A, Expanded Criteria, and Payment Option pricing adjustments. WAMUceased doing any low-doc transactions whatsoever with FICO's less than 680 and LTV's greater than 65%. MortgageITdiscontinued their No Ratio, No Doc, and SISA loans for several of their products. Greenpoint stopped taking locks entirely on their Alt-A Fixed and ARM products. Wells Fargo worsened their Jumbo prices by 1 point. Countrywide changed their guidelines and pricing adjustments for their Expanded and Jumbo product lines. Indymac closed their bulk (conduit) desk. Taylor Bean and CSFB are no longer doing 2nd mortgages. Taylor also scaled back their first lien, Alt-A Fixed, Hybrid ARM and Option ARM programs. AstoriaBank tightened their guidelines and engaged in a mid-day price change on their ARM's for the worse, in spite of a nice improvement in A-paper product. CitiMortgage changed their pricing adjustments for non-agency ARM loans, and also changed the pricing structure for SIVA, NINA, and several other types of loans. More news.... Option One: 185 account executives around the country. All Option One loans have to close by the 17th of this month and fund no later then August 31st. Missing these deadlines will result in your loans being denied or changed for the worse. If you have any loans in the pipeline now, please get them closed ASAP. NovaStar: Suspended funding on Friday - expected to issue a statement tomorrow. Aegis: Stopped funding - expected to issue a statement soon. National City Mortgage: Suspended all second lien applications. This company has been one of the nation's leaders in home equity loans - big problem. Countrywide: Significantly cut back Reduced, Super Streamline, No Ratio, NINA doc types Wells Fargo: Announced elimination of Stated/Stated second liens today.
The good news is that although the sky is VERY cloudy, you can notify "chicken little" that it is not falling. In fact in time there are clearer days ahead for borrowers seeking sound financial guidance from their mortgage advisers and for Realtors seeking a more stable and reliable environment for their sellers and buyers. There was massive buying from a large percentage of Realtors and lenders to simply get the deal funded with little thought to the long term consequence of lax lending standards and relatively easy access to 100% financing to those with moderate credit scores and modest cash reserves. Lesson learned. Ok, with that being said what can a savvy, professional Realtor do to protect their client? Here are the recommendations I am sharing with my Realtor partners:
1. Partner with a competent mortgage professional that monitors daily market changes and is aware (they should be coming to you and warning you, not learning this news from you) of the fallout in the market and the changes to underwriting policies and program guidelines.
2. If you are the listing agent, require that your lending partner be allowed to speak with the buyer's lender (the buyer will have to provide permission) in order to validate the pre-approval letter. Although the lender cannot share privileged information with a third party without expressed written permission from the borrower, they can generally provide support for the borrowers ability to qualify based on program guidelines as represented. If the buyer's lender misstates program guidelines or raises any-other red flag, your trusted lender can work to resolve the issue from day one vs saving your transaction when it crashes the day before closing.
3. Do not be too easily swayed by the news about the industry in the popular press. The situation in the capital markets is indeed very serious; however, I have noticed that the popular media would lead you to believe there is no money to lend and that the dream of homeownership is no longer obtainable. Not true! A well informed mortgage consultant armed with the resources offered by FNMA, Freddie Mac, FHA, VA among others can navigate the choppy waters and find programs that work for well qualified borrowers.
4. Learn to trust your lender and support his or her recommendations when advising your clients. Work together and recognize that not every individual with the desire to own a home is eligible to do so immediately. Put together a financial coaching program in association with your lending partner to help those who do not qualify today, but are willing to work with you to correct credit problems or save money for a down-payment on a future purchase. No does not have to mean no forever and you will earn a client for life by making a strong commitment to helping less qualified individuals arrive at yes.
I hope you are enjoying propsperity in your life. As you may know through my contributions to Active Rain; I have been blessed with success in both my real estate and mortgage businesses and remain very busy and I had not been looking for something new to add to my plate.
A very good friend and colleague introduced me to a new company in a great industry and a tremendous opportunity to create a significant six figure income through a semi-passive residual income stream. I have long been a reader of the books by Robert Allen "Multiple Streams of Income,"Robert Kiyosaki "Rich Dad, Poor Dad,"and more recently Gary Keller's "Millionaire Real Estate Agent."SO I WAS OPEN MINDED.
After two months I am somewhat surprised to tell you that I will never have to make another mortgage payment for the rest of my life and that is only the beginning.
When it comes to investing in real estate there are many avenues to explore when identifying a property, financing structure or hold and exit strategies. One option for many investors who have limited cash reserves or who desire a limited risk strategy could be county tax sales.
County tax sales provide an opportunity for investors to purchase liens resulting from delinquent property taxes.
An investment in a property tax lien should be viewed as a potentially long-term investment with a predetermined return on investment (ROI) not as a pure real estate investment. Keep in mind that you are not purchasing an ownership interest in the property; you are purchasing a lien interest in the property that may convert to vesting in the title in rare cases.
Here are some facts to help you understand what a tax lien sale investment is, and perhaps more importantly what it is not:
When you purchase a tax lien sale certificate on property, you become a lien holder on the property. In essence, you loan funds to the owner to pay taxes.
You purchase the tax lien, not a deeded interest in the property. In the majority of cases the property owner redeems the lien by satisfying the delinquency and the deed does not transfer. For example in Douglas County, eventual transfer of deed has occurred in less than 2 percent of all purchases.
Investing in tax liens through a purchase at from a county tax lien sale should be viewed as a secured investment with a pre-established interest rate. The annual interest rate is set at nine points above the federal discount rate. The time-line for payout may be long-term; redemption of the certificate can occur immediately upon the Treasurer's Deed being issued or up to 15 years from the date of sale, whichever comes first.
The State Banking Commission determines the rate of return. The annual interest rate is set at nine points above the federal discount rate as a certain date. The County Treasurer's Office operates the sale on a "all sales final, buyers beware" policy. The county will make every effort to remove a property with bankruptcies, FDIC or RTC connections, although they will not guarantee a property to be build-able or desirable. The bottom line is that you must know what you are buying.
2007 - COLORADOCOUNTY PROPERTY TAX LIEN SALES
ADAMS COUNTY - November (TBD), 2007 Poss:INTERNET BASED SALE
To learn more about real estate investment strategies contact James A. Holmes, CMPS, CML. Cherry Creek Mortgage Company - Private Mortgage Banking. Visit www.PrivateMortgageBnaking.net
I want to add value in exchange for the time that you invest in visiting my site. I have spent more that twenty years in the real estate and mortgage industry and I am passionate about our wonderful profession.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
During challenging markets one discipline that is often overlooked is personal development and the value of maintaining a prosperous mindset. Avoid the temptation to commiserate about the conditions of the market and choose to become a stronger person and professional through self development and taking correct actions on a daily basis. I am excited about the establishment of a formal platform which will empower me to continue doing what I have done for years; assist my referral partners, clients and associates in developing a prosperity mindset, with the intention to create wealth and abundance in their businesses and personal lives. 
In the first installment of my blog series "How to thrive in a Challenging Market," I wrote about the value of having the perspective in order to settle your client's fears with facts allowing them to gain perspective as a buyer or seller. Part 2 will cover "Patience," which is an essential ingredient of success in a challenging market.
Isn't it striking how every morning as you wake up to the morning news all you hear is how bad the real estate market is, or how the sub-prime mortgage melt-down has cost yet another CEO to bite the dust, or how the equity crunch is solely to blame for the woes of the economy. My advice is to start your day with positive personal development and forget about watching the morning news; you will approach your day with a much more proactive "can do" attitude.
The mortgage lending landscape continues to evolve week by week and another important development relatesto down payment assistance programs. Property seller-financed Down Payment Assistance Programs known as DAPs are no longer an eligible source of funds for FHA loan programs. 
This year I completed a process which resulted in my being awarded the designation of Certified Mortgage Planning Specialist(CMPS) by the Certified Mortgage Planning Institute 
I have posted a number of blogs over the past few months concerning the mortgage industry meltdown and the resulting impact on home-buyers and Realtors across the country; among the blog post are theses:
The good news is that although the sky is VERY cloudy, you can notify "chicken little" that it is not falling. In fact in time there are clearer days ahead for borrowers seeking sound financial guidance from their mortgage advisers and for Realtors seeking a more stable and reliable environment for their sellers and buyers. There was massive buying from a large percentage of Realtors and lenders to simply get the deal funded with little thought to the long term consequence of lax lending standards and relatively easy access to 100% financing to those with moderate credit scores and modest cash reserves. Lesson learned. Ok, with that being said what can a savvy, professional Realtor do to protect their client? Here are the recommendations I am sharing with my Realtor partners:
Hello My Friends -
When it comes to investing in real estate there are many avenues to explore when identifying a property, financing structure or hold and exit strategies. One option for many investors who have limited cash reserves or who desire a limited risk strategy could be county tax sales. 
;)
;)
