Hard Money Wire - The Private Money Blog

Luxurious Rehabbed Home in Highland Park, CA

Mon, 12 Feb 2018 18:58:12 -0800

Rehabbing done right... check out this place in Highland Park, CA. You can see the amazing website for this property here: 1325highlandpark.com Luxury has finally arrived in this beautifully crafted, 2048 square foot remodeled oasis, just a few steps north of the exciting lifestyle on York Blvd in Highland Park. Every square inch of this home has been meticulously remodeled to perfection, both inside and out. Whether you’re relaxing in your extra-large luxury bath in the expansive master bathroom or basking in the radiance of the California sunshine on your private deck, this property offers all the comfort of home with all the amenities of a retreat. Boasting a beautiful open floor plan, vaulted ceilings, a large master suite with walk-in closet, new stainless steel appliances, new stamped driveway and carport, incredible private back yard with a new deck and elegant lighting to complement the lush landscaping. The property is centrally located but It literally feels like you’re in your own compound away from the world. As if it wasn’t already a dream, there is also a lovely, small studio in the back yard (not included in the square footage), which is perfect for a home office or whatever your creative mind desires. Don’t walk - Run to this modern, upgraded masterpiece in the hip, up and coming community of Highland Park. Check out these amazing videos of the property: This one will blow your mind: https://www.youtube.com/watch?v=sblIZrt_FOo Want to see before and after pics?: https://www.youtube.com/watch?v=DEkH8NIdy2M Or even a pretty and dramatic slideshow: https://www.youtube.com/watch?v=v50RnKhldrE You can also see it in 3D here captured in Matterport: I mean this is marketing at it's finest. Don't you agree? This giant 2048 square foot home is being offered at $995,000. What a steal. Do you know anyone? Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

March 2017 highest U.S. home sales in 10 years!

Sat, 22 Apr 2017 08:49:41 -0700

U.S. Home Sales highest in the past decadeDo you remember how crazy the market was in 2006 – 2007? Home sales and home prices were incredibly high by historical standards right before the big crash in 2008. This time is different though because the home sales are not built on a house of cards full of bad loans and subprime borrowers. The numbers are backed by a truly strong economy which means we are now seeing the beginning or end of a bubble or a potential bursting of that bubble. March Numbers In March, the annual median price of a home was $236,400, up 6.8 percent from March 2016. The overall housing inventory increased by 5.8 percent to 1.83 million existing homes for sale, but was still down by nearly 7 percent compared to a year ago, NAR said. The unsold inventory was at a 3.8-months supply, which was unchanged from February. The annual pace of sales was up over last year in all regions; However, sales declined over the month in the West region, which has seen the fastest price gains. Read more of this blog post on our Private Money blog. Conclusion 2017 is off to a great start and the true buying season hasn’t even started. As always, I can’t wait for summer to begin, but now I have even more of a reason to enjoy the 2nd and third quarters. Let’s ride this wave together! Don’t believe me? Don’t just take my word for it. Check these out here as well. http://www.cnbc.com/2017/04/13/2017-shaping-up-to-be-fastest-housing-market-on-record.html Private money is the best way to finance your investment opportunities. Always consider www.private-money-loan.com for your private money needs. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Fix & Flip Financing | 5-day close | rates below start at 7.5%

Fri, 21 Apr 2017 14:43:05 -0700

We have some amazing new pricing and programs. Call us today and take advantage of everything we have to offer. High Volume FlippersHigh volume Flippers - We can get you docs the day after you give us the purchase contract. One time underwrite when you apply for membership that lasts for 12 months. $5million credit facility that feels like a line of credit. 85-90% of purchase, 100% rehab, loan up to 75% of ARV. Rates from 8-8.75%". No appraisal or application fees, no inspection until we close.Auction Buyers - best program for youAuction Buyers - this is for you. Replenish your cash up to 90% of cost, one or two days after you record on title. Full rehab. No application or appraisal fee. No inspection needed until the loan closes.Requirements- 10 verified successful flips in the last 24 months - 660 FICO- $25k liquidZero Points Up Front!!!That's right! We're now offering programs where you can keep even more capital by moving your usual up front points to exit points. This means that all origination costs that you usually pay up front you don't have to pay now. Just pay third party fees and standard closing costs. We still offer up to 90% of the purchase price + 100% of the rehab costs for our clients. These programs have always been super aggressive where clients only needed to bring a 10% down payment down (if qualified) plus their origination costs and 3rd party fees. Now we've lowered the amount you need to bring in even lower with our special exit points feature.Keep more capital, stay more liquid, buy more deals with www.private-money-loan.com HUGE PRICE REDUCTION!!!We have reduced our pricing across the board for larger loan amounts. Everything is based on percentage of loan amount so when your loan amount goes up so do your costs. Now we have reversed that trend. On certain loan programs with a combined loan amount over $500,000 we've slashed our pricing.$500,000 - $1,000,000 1.75% in total origination cost$1,000,000+ 1.5% in total origination costAnd you still get our aggressive 90% of Purchase Price + 100% rehab loan programs (if qualified) with the ability to push the points to exit!!It's time to start closing more deals for cheaper prices!Call me at 310-948-8585 or email me at steve@private-money-loan.comhttp://www.private-money-loan.comFinancing and loan program options varies from state to state. Contact us directly to find out what we can provide for you. We have available financing in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, WyomingVisit us at www.private-money-loan.comWe're looking forward to helping you create a better financial future.We provide private money financing, hard money financing, commercial financing, conventional financing, bridge loans, long-term financing. We primarily fund 1-4 unit residential properties but we also can work with commercial deals as well. So whether you are buying a wholesale deal and are in need of subprime financing or fix and flip financing or maybe you found the next great fixer upper with a simple rehab we're here for you. Bring your next handyman special that needs a little TLC to us. We're here to help. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

I have the best financing in Southern California

Mon, 12 Sep 2016 11:47:51 -0700

People out there usually do not believe claims like this because they are so absolute. But whoever is reading this, you better start believeing. When it comes to people who are fixing and flipping houses there just isn't a better financing option than what I have in Orange County and Los Angeles County. We are literally offering 100% financing on the purchase price for fixers and flippers. 100%. So if you're buying a flip for $400,000 then we will give you $400,000 for it. Of course it has to qualify and the buyer had to qualify, but as long as it meets very simple criteria we do it. Just because we're leveraging properties at 100% financing doesn't mean we have the best finacning out there. There are other companies out there that will also provide financing like that. What makes it the best financing is that we're providing 100% of the purchase price at such a low rate and cost. Our financing is a good for 1 year, at 10% flat rate with onl 2.5 to 3.0 points charged to the buyer. That's it. No appraisal fee. No junk fees. Plus we're easy to work with. So extremely high leverage (100%) + low rate + low points + no BS fees + easy process = best financing in Southern California. Like I said ... better start believing. To check out more options and get more information all you need to do is check out our Southern California 100% Financing Options and we'll take it from there. Or call us direct at 310-948-8585. It's time to start living your dreams. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Make $200,000 in 30 days!! - Buyer in place - 7%+ CAP in LA, CA

Wed, 13 Jul 2016 04:25:59 -0700

THIS DEAL JUST GOT WAY SWEETER!!!It was on a 90-day clock, now it's less than 30 days Retail: Commercial spaceTenant Occupied9080 SF buildingStreet FrontageEscrow opened with buyer in place to take out at $1.4M This is a great opportunity for people who like to make fast money. I have a unique situation where a client's mother died leaving her a retail space. Because there is a death clause in the NOTE wells fargo has accelerated the loan and is going forward with foreclosure proceedings.The property is worth $1.5M easy. We have a buyer in place to buy it with a hard money loan for $1.4M at a discount. The catch is the seller won't own it in 20 days because of the foreclosure. So we need someone to come in, buy it for $1.2M and then resell it for $1.4M and make $200,000. It is currently leased triple net, way below market at $7500/month. So let me know if you want to make a quick buck.Call me at 310-948-8585 Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

A Week of Mind Blowing Awesomeness & Self Promotion

Mon, 11 Jul 2016 13:29:30 -0700

Hey, last week was my first week of being on the Active Rain site and I hit the ground running. I wanted to highlight some of the blog posts I put out there because maybe you missed them, and maybe they could provide some great information for you. Maybe they won't do anything for you. I can't control that. All I can do is lead the horse to water... not that you're a horse... you're not... you're an amazing human... but you get the idea. Below is my recap... get it? Recapping My Blogs From Last Week 100% LTV Financing for Fix and Flippers | Private Money | Hard MoneyLink: http://activerain.com/blogsview/4912266/100--ltv-financing-for-fix-and-flippers---private-money---hard-moneyIf you think you're just an agent and you let your clients find their own financing than you are losing business. You should be a 1-stop shop, a fountain of knowledge, an oracle where people go to find answers to everything. You need people like me that can open up avenues for fix and flippers, investors and those that get denied by banks. Read more about this blog I wrote about our 100% financing options and keep me in your back pocket for later. You'll thank me one day. Get a Rain Maker Active Rain account for free! & How to do itLink: http://activerain.com/blogsview/4912420/get-a-rain-maker-active-rain-account-for-free----how-to-do-itYeah, pretty cool thing to note especially for newbies here. You can get your account for free in less than a year when you rack up 500,000 points. Check out exactly how this works. Travel through time with a mouse clickLink: http://activerain.com/blogsview/4913321/travel-through-time-with-a-mouse-clickYes, you read this title correctly. If this sounds intersting then it is my friends. Read it and blow your mind. This was for a contest entry about social media. It's a fun little ride. Private Money Program HighlightsLink: http://activerain.com/blogsview/4913445/private-money-program-highlightsA brief rundown and bullet points of highlights of some of our best programs. Again a great place to check out a nice overview of what we can do and how we can help you or your clients. The 2nd half of 2016 | Private Money | Hard MoneyLink: http://activerain.com/blogsview/4913387/the-2nd-half-of-2016---private-money---hard-moneyThis was for another contest sponsored here on Active Rain. Talk a little about how I project the rest of 2016 to go. Also go over som important insight about Brexit or #Brexit. Maybe you can learn a thing or two about a thing or two. Mentioning of 3 recent deals we just closedLink: http://activerain.com/blogsview/4913405/just-closed----90--ltv---100--of-rehab-funds-in-palm-springsLink: http://activerain.com/blogsview/4913412/check-out-this-100--financing-flip-we-closed-in-whittier--caLink: http://activerain.com/blogsview/4913431/chicago--il-area---recently-funded-flip-at-90----100- Stop Using Lawyers Title Right Now!!! Major policy shift! STOP NOW!!Link: http://activerain.com/blogsview/4912703/stop-using-lawyers-title-right-now----major-policy-shift--stop-now--This is a major warning for anyone that uses Lawyers title or has ever thought about using them. Beware!! Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Private Money Program Highlights

Sun, 10 Jul 2016 15:25:31 -0700

I have very aggressive programs for Fix & Flip / Rehab Investors. We do truly have an excellent 100% Fix and Flip program and several other outstanding rehab financing options. Please look below and contact us.These are just some of the highlights of just some of the great Private Money programs we can provide. Program #1: 100% Private Money SOCAL- Up to 100% of Purchase Price- Up to 100% of Rehab- Up to 100% of Closing Costs- Up to 100% of LTV- Up to 80% ARV (case by case basis as long as it makes sense)-6-12 month term (longer available if needed)-No PPPAvailable in the following states: CA (LA and Orange Counties only)See more information about the 100% Financing on Active Rain ... or...Learn more directly from our website about the 100% financing optionsOr better yet call us now directly at 1-877-945-LOAN (5626) or 1-877-945-5626 Program #2: 90% Private Money + 100% REHAB-Up to 90% of Purchase Price-100% of Rehab-Up to 80% of LTV-Rates start at 7% I/O-12 month term-No PPPAvailable in the following states: AZ, CA, NJ, CO, FL, GA, IL, MI, MO, NC, NV, NY, OH, OR, SC, TN, TX,VA, WA, and WVWe can go into more details for you about our 90% financing + 100% rehab programsOr better yet call us now directly at 1-877-945-LOAN (5626) or 1-877-945-5626 Program #3: 100% Nationwide with Cross-Collateralization100% of Loan To Cost (LTC) with additional collateral.85% LTC with no Additional CollateralPlease call us about the state you are interested in to see what we can do for you:Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming **Inquire for more details Program #4: Sub-Prime is back- Up to 80% of Purchase Price- Up to 75% for refinance - Rates start at 6.75% for hard moneyAvailable in the following states: Nationwide Let's talk about any scenario you may have. Call us now directly at 1-877-945-LOAN (5626) or 1-877-945-5626. This is what I do and I solve problems and provide very economical solutions. Best of luck out there. About the Author:Steve Snyder has continually provided private money and joint venture programs for many real property buyers and sellers for more than 12 years. Steve owns and operates the company Private-Money-Loan and offers exceptional solutions for all those that needs financial assistance. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Chicago, IL area - Recently Funded Flip at 90% + 100%

Sun, 10 Jul 2016 15:01:33 -0700

I do a lot of business in Southern California because I'm stationed there. However, we have offices around the country where we close loans all the time. Chi Town fix and flip financingRecently we closed a fantastic fix and flip deal in Naperville, IL, right outside of Chicago, that provided an excellent return for our client. We provided 90% of the purchase price and we provided 100% of the rehab funds. Now, I hope you realize just how aggressive that is. That means in order to close this transaction all the client had to do was bring in a 10% down payment and cover the closing costs. We provided everything else plus the $70,000 they spent on fixing the place up. Bad credit ok!!! Get this... we can do this program without running credit. We can close the deal in an entity (LLC, trust etc...) and we don't have to pull credit. We do a simple background check to make sure they don't have a foreclosure or a short sale or a Bankruptcy in the past 2 years. Also we make sure they don't have a felony or major tax liens outstanding. As long as they don't have that they could have 27 charge-offs and a 410 FICO score and we'll lend to them. Not bad right? So bring me your tired, you poor, your huddled masses and let me close their loans for them. The Author:Steve Snyder has continually provided private money and joint venture business opportunities for countless home flippers for upwards of 12 years now. He is the President of the firm Private-Money-Loan.com and provides fantastic products for the people that needs financial assistance. My most recent blog post is a unique perspective into an old 80's movie. It will amuse you I imagine. Enjoy! Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Check out this 100% Financing Flip we closed in Whittier, CA

Sun, 10 Jul 2016 14:25:44 -0700

Whittier is a nice little hot market in South Los Angeles county right now. My client went in and found a gem of a little fixer upper in Whittier, CA. He had money for the rehab, but he didn't have the cash for the purchase. This is our specialty. We understand that it takes money to make money and that it is better for you to retain more capital for future investments than to try and maximize every single drop of profitability for 1 single deal. That's why we offer true 100% financing options. We went over these options in more details here no Active Rain so please dive in and learn more about these aggressive positive products that can help you or your clients out. Look at this beautiful RemodelI don't know about you but that clean, slick, black and white contrasting look is what makes all the difference in my mind. I know that look in the greater Los Angeles, CA and Orange County, CA real estate markets is what is hot right now. My client knows his end buyer and caters to them with that look. When we resold this one it set the market and is not the highest comparable sale in the area for that square footage. What is your local markets style? If you are your clients are fixing and flipping in Southern California then you need to get in touch with me and see what we can put together for you guys. It is well worth your time. The Contributor is a long time real estate investor and hard money provider. Steve Snyder is the CEO of his own private money finance company, http://www.Private-Money-Loan.com. See a little more about why Google is so powerful that it actually helps you travel through time. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Just CLOSED!!! 90% LTV + 100% of Rehab funds in Palm Springs

Sun, 10 Jul 2016 14:04:24 -0700

I specialize in Private Money and Hard Money across the country. However, being based in Los Angeles I provide some incredible products that Southern Californians need to be aware of. Why do you care about Private Money?Look, you need to close more deals. I am not sure what kind of realtor or investor you might be, but if you have anything to do with Fixing and Flipping than I am going to be your best friend in the entire world. We have high leverage programs at great rates and low costs. If you or someone you work with invests in real estate than you need to reach out to me. A recent Close in Palm SpringsWe have much more information on our website about this private money transaction in Palm Springs, but the bottom line is we provided 90% of the money for the purchase price and 100% of the money for the rehab. That is agressive financing and it keeps a lot more money in your client's pockets so they can buy more homes from you and be more profitable. Find out more about us and what we can provide and call me directly at 310-948-8585 to discuss more details about your endeavors and your clients' needs. Let's start closing more deals. Steve Snyder, the writer, is a private money wizard who's been providing loans since 2004. Steve Snyder creates for several online sites about personal finance management, real estate investing and lending and borrowing money. Check out one of my latest blog entries about Time Travel ... kind of amusing. You should like it. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

HARRY’S TOP 5 TIPS TO FOR ARTICLE WRITING MARKETING BECOME AN EXPERT IN YOUR FIELD

Fri, 15 Jul 2016 16:41:04 -0700

Good information in this article. I think you'd like to review it. HARRY’S TOP 5 TIPS TO FOR ARTICLE WRITING MARKETING BECOME AN EXPERT IN YOUR FIELD I have been hitting the Internet hard for the past eight months when it comes to marketing my real estate services. ActiveRain has always been a major player in my overall Internet marketing plan. It gives me exposure that is much expected by my clients. They like the fact that I have my own blog so that they can keep up with local statistics and events in one place. I have disciplined myself to dedicate 90 minutes per day for social media. There are days when I am not motivated. However, I want to continually hit the mark. I came a across an article describing the importance of posting articles on various sites to become a local expert. It was very interesting to me since I was writing blogs on a daily basis. I did more research on this type of marketing and found it to be very useful. So, I have included this strategy into my social media game plan. Currently, I have published and posted 13 articles on various subjects on ezine. TOP 5 TIPS TO ARTICLE WRITING MARKETINGINFORMATION-Write about information that people are search for such as foreclosures, real estate investing, private money and so on. Be the local expert on two to three niches of your choice and write about it so people see you as the expert.TITLES THAT GRABS READERS ATTENTION-Be creative and have a title that grabs the reader’s attention such as "Phoenix Foreclosures Continue to Decrease"POST ARTICLES ON MAIN WEB SITE-Builds credibility to people coming to your site along with original content added to your site for key word searches.USE RSS FEED-Syndicate your articles for people who want to receive them.CROSS REFERENCE ARTICLES FOR GOOGLE JUICE-All clicks point back to you.The goal is to continue to write original content to post all over the Internet so you come up in key word searches so people have call to action to get in touch with you. It has been working great for me. This is not an overnight endeavor. One must be a farmer who plants the seeds to enjoy the harvest down the road. Here are my top web sites to post my articles: http://www.ezinearticles.com http://www.web-source.netMake the Call, Set the Plan, Do the Deal$! Feel free to listen to my Radio Show to learn more about the phoenix real estate market, new trends, and the latest opportunities. The Real Estate and Beyond Radio Show Airs every Saturday from Noon-2:00pm on Conservative Newstalk KKNT 960am in Phoenix, Arizona. You can listent to past shows, or stream on-line. Phoenix Real Estate Resource Center Follow Me On: Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

The 2nd half of 2016 | Private Money | Hard Money

Sun, 10 Jul 2016 13:29:58 -0700

Rates? Who needs rates?The one thing about being a Private Money and Hard Money lender is that I am not dictated by rates. I am simply guided by how much money my investors are looking for. They have a certain yield in mind and we strive to deliver on that yield and return for them. You see I never wanted to be the listing agent knocking on doors or parading first time home buyers around that are dying for that open floor place becuase they saw "Love It, or List It" last week on HGTV. I like numbers and I like investors, especially fixers and flippers. I also like working from home. You know how cool it is to be slinging the best private money loans around in my boxers at 2:21 in the afternoon. It rocks. My business is not really affected by rates or more to the point the Fed rate hikes or drops. Well... that's not entirely accurate. You see I am indirectly affected by it. Mortgage rates do directly affect the housing market as you can read in Investopia. Basically, when rates go down more people can afford homes so more people buy homes so the real estate market gets better and Vice Versa. I am affected by the real estate market. The crux of my business are Fix and Flippers, so if the markets look good then people have more profit margins to work with on Fixer Upper homes. Brexit and The U.S. Housing Market Brexit or #Brexit is actually going to be great for the U.S. markets. As investors look for more stable places to park their money they will find the U.S. markets as the major safe haven and more to the point the U.S. 10-year treasury bond, which will have a profound effect on the decrease in mortgage rates through 2016 which will then impact a promising U.S. Housing market. I wrote up a pretty solid analysis on Brexit and the U.S. housing market the other day so you can read all about it. I am expanding my business right now through social media, SEO, Active Rain and my own personal web site. I am makreting more locally in Southern California where my local investors love to invest. Overall the second half of my 2016 is looking very good and all indicators are pointing to me closing a lot of business out and helping a lot of investors get great loans in the process. Hey, maybe I'll even close some real estate deals in the process as well. The Writer is a long time property buyer and seller and hard money loan provider. Steve Snyder owns and operates his own private money loan company, http://www.Private-Money-Loan.com. Have you ever wanted to travel through time? Guess what? You do it everyday. See what I mean and see how you are traveling through time with Google searches. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Travel through time with a mouse click

Sun, 10 Jul 2016 13:27:07 -0700

Ain't nothing but a G-thangWhen I market my business I am way more into the SEO (Search Engine Optimization) factor of online marketing. I love Search Engine Optimization. I know that Google runs the world and we all go to the G when we are searching for... well... anything. You want to know what the hell Brexit was... Google it. You want to know who won the World Series in 1973... Google it. You want to jump on and try the next roasted chili pepper and lemon juice enema cleanse (you sicko)... that's right... Google it baby. You can find anything you want on Google, which has left us with one sad reality... we have all lost the ability to speak out of our asses. Google is the ultimate BS analyzer. 10 years ago, before the dawn of smart phones and Google at your fingertips, you could go to a party and pretend you knew something. You could spout off sports facts, or stock market tips or whatever and no one could really go against you. They might sense you are a little off, but they had no immediate proof unless they were a fountain of knowledge themselves. Now, in 2016, bam... you whip out that iPhone (#neverAndroid), punch in your search criteria in Google (because you downloaded the Google App to spite Steve Jobs and Tim Cook) and Google check any facts flowing from the mouths of anyone around you. It is knowledge at it's best. You are all now oracles. Quantum Leap through the world with GoogleYes, you too can be like Scott Bakula!!!! Google is the hive mind of the Universe. Google literally gives you the ability to travel through time. Yes... LITERALLY. OK ... stay with me now and I promise my crazy time travel statement isn't completely nuts, it is founded in geniusness (and yes, that is not a word but this is a blog, not a Wikipedia entry and it's my blog and its more interesting to speak like I am in run on sentences with loose to weak punctuation). Now, I ask you ... do you remember Bill and Ted's Excellent Adventure? (again stay with me). If you do not remember Bill & Ted's excellent Adventure than I will cry a tear of sadness for you because despite it's complete buffoonery, it is epically awesome. At least it was through my 10 year old eyes when it came out. Basically the premise was that these two dropout loser stoners got a time machine (an old phone booth) that let them go through time, gather a bunch of historical figures, present them in the present day during a history report, and then they save the world. I bet you can't believe it won the best picture Oscar in 1989 can you? (Come on... Google that answer... I bet you're dying to do it like I just said that at a party and you want to prove me wrong... come on... I'll do it for you... Here you go). Yes, I am sarcastic, it was Rainman. For those of you that I have not lost yet, this is why and how you can travel through time with Google. You see in Bill and Ted's Excellent Adventure there was a scene where they realized that they could manipulate their current present day by simply planning on going back in time and leaving things for themselves that would help them out. They went back in time, left objects for themselves, so when the present day happened for them in their current state of consciousness they had exactly what they needed in order to seize the moment and achieve what they needed to achieve. As your mind explodes with the sudden rush of immense stupidity let's bring it back real quick and move forward. Yes, this premise is ridiculous, but it is very amusing and entertaining. It might shock you to believe this was not a documentary, it was a comedy and meant to be ridiculous and funny as to entertain the masses much like a 1989 Jester of the court. Even more mind boggling is you too can now unravel your present day very much in the same was as Bill and Ted did with their phone booth. To see the exact clip I speak of from this epic cinematic masterpiece that is Bill and Ted's Excellent Adventure please watch below and relish in this beautiful moment you have witnessed. Google is your time traveling phone boothFlash to the future or present day in 2016. You, without the power of a time traveling phone booth, can literally travel through time and have what you need at your finger tips just by thinking it exactly like Bill & Ted did. THIS IS A FACT!!! I will prove it... Right now my DCP-L25400W Brother Laser Printer is running out of toner. I would like to post something out to the world about how to bypass the toner sensor since we all know it is rigged. I am going to post this question on forums in order to get the answers from all these other people in the world just so I can figure this out. Maybe I need a week or a month, but eventually I will possess this knowledge and fight the man. Now, if I had the time traveling phone booth I could go back a month, post it, and then now in my present day I would have the knowledge that I am seeking. Yet, the world is such a big place, that someone already has done this for me and all I need to do is Google it... and you can find your answer here, and also here, and also here. Hence, Google is your time machine, it is your time traveling phone booth. The G is all powerful. Hail Google! Social Media Connects us allMaybe you agree with my analogy or maybe you don't, but the power of the Google search engine is something we all have experienced and want to harness badly. That is the power of SEO, it allows you to harness Google's awesomeness. Now, since the explosion of social media it has become incredibly important. Social Media is the most important thing that has happened to marketing since the creation of the internet itself and the creation of Google. With a simple "#" or hashtag you can connect with so many people through the interwoven hashtag fabric and topics across the globe. Unfortunately, I am somewhat handicapped when it comes to social media. I am now 37, and I am starting to feel like that old person who told me to "turn that racket down" or couldn't grasp the concept of a VCR. I grew up in the age when search engines sucked (Alta Vista, Lycos, who cares...). Then in college a fraternity brother of mine showed me Google and it was changed everything. You typed in what you wanted to find and you actually found it. I was shocked. I couldn't believe someone had created it. So I grew up still with that concept. By the time Apple and Steve Jobs launched the App store, which defined social media as we know it today, I was getting ready to turn 30 and I instantly blew it off thinking it would be the next MySpace. To my dismay Twitter, Instagram, Facebook, etc... became the biggest platforms outside of Google on this planet. So now, here I am, 37 and with a feeble knowledge of Social Media wishing I could just hire a millennial to manage it for me and make me cool. Please make me cool. My Social Media Success StoryAlas, even though my social media presence is weak, and I kinda feel like Dr. Evil trying to be hip... I have actually had some success (golf clap please). You see, I started my Twitter account just a little bit ago (yeah that's right, help a brother out and click and follow), and I put a few Tweets out about my products and loan programs and everything. I loaded it up with hashtags like #privatemoney and #hardmoney and all kinds of cool things. I had the usual delusions of grandeur like there was a horde of salivating home buyers out there all needing my services aimlessly clicking on #privatemoney just waiting for my services to enlighten their lives and burden their over-bloated budgets. So I tapped the little birdy on my screen and sent it off into the information super highway of our existence. I listened for the notifications to go off, but alas, all I heard was the deafening sorrow of silence. Until, one hit. I was followed by an investor. Crazy huh? I clicked on the investor, I found his information, and now this one single solitary group is one of the groups I use to supply clients with Private Money. Kind a cool right? So it works. Social Media works. I sent out a Tweet, got a follow, and now I have an avenue I never had before. All I had to do was do it. The conclusion I have taken away from all of this is that you need to build roads. Whether the roads are blog posts on Active Rain, or private blogs you own, you need to build the roads. Maybe the roads are articles or SEO optimized tier 2 links trying to bolster your tier 1 links. The roads can even be social media postings with lots of #hashtags. You can put Las Vegas in the middle of the desert, but if you don't build roads to it no one is going to find it and no one is going to go there. You might have the "Las Vegas" of websites, but if you don't build the roads all you got is desert and a big ass electric bill. Build all kinds of roads. Promote everything you do. Blast it out there and keep on building. Utilzie social media even if you are as clueless as I am with it. It's gonna be worth it in the long run! About the Author:Steve Snyder continues to provide private money and jv opportunities for countless property buyers and sellers in excess of 12 years now. Steve Snyder runs the company www.Private-Money-Loan.com and provides excellent services for the people around him. Active Rain Social Media Success Story ContestDo you have a social media success story you'd like to share? I bet you do... join the contest put on by Active Rain and help your community out. Share and enrich our lives with your vast social media knowledge. We all look forward to reading it. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Stop Using Lawyers Title Right Now!!! Major policy shift! STOP NOW!!

Fri, 08 Jul 2016 07:39:16 -0700

I have been in the middle of an epic ridiculous battle that you cannot believe. I have a client who is a fix and flipper and we were in the middle of refinancing his home before he sold it so he can buy another property. Everything was great, loan docs were out, signed, and the wire was sent from the lender.Then this ridiculously horrible title officer got involved and she stated that because there was work done on the property (it was a cosmetic remodel BTW) that they needed to wait 90 days before they could issue title insurance on this deal. 90 days. Let me say that one more time 90 FREAKING DAYS!!!!!!!!!Does anyone else understand how ridiculous that is? It is insane. She told us we couldn't close this deal till October with their company. What??????They said they needed this 90 day period to elapse in order to ensure that no mechanics liens were filed against the property. That constitutes a 90 day period. INSANE!!!So ... I being the fighting, go getter awesome loan provider that I am dove in and started working with their underwriters. I got an entire indemnity agreement signed by the borrower and the contractor. Plus I had the contractor write a hand written letter that he was the sole person that worked on the property, that there were no sub-contractors that ever worked on it, and that he had been paid in full, all work was completed and he would not file a mechanics line against the property. BOOM! Overkill, no we can close, right? NOPE!!!! The underwriters and their legal team said no. The said we need the full 90 day period to elapse. ARE YOU KIDDING ME!!!!! This happened yesterday.So I closed today, less than 24 hours later, with Orange Coast Title and we disbursed funds today. They have no problem with the loan or the paperwork.So .... STOP USING LAWYERS TITLE RIGHT NOW!!!!I am dead serious. You cannot afford to deal with them. They are rolling this out as an internal memo that all branches must follow to a TEE. I don't care if your wife is the title rep. Have her polish up her resume and get her out of there right now. Use them at your own peril. They are awful now. Run away... run away ... flee ... flee. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

Get a Rain Maker Active Rain account for free! & How to do it

Sat, 09 Jul 2016 03:00:01 -0700

Free RainMaker account with 500,000 points Look, I literally just started using this platform last night. I wrote my first blog post late last evening and poured a bunch of time into it and made it look all pretty (check it out here if you haven't read it yet). It's an informative post, and honestly I plugged my services in it. A little self promotion is never a bad thing, right? But in my searches I was informed of a way to get a RainMaker active rain account for free, and I'll get into that in just a second. We all have goals when we jump into platforms like this. Some of us truly want to connect with other agents and brokers in the world. Many want to promote their pages and services to the consumers beyond the confines of the Active Rain community by utilizing the great SEO benefits and outreach that this platform provides. Others just simply want to be heard, while benefiting from great exposure out in this community and the world at large. Whatever the motivation that brought us here, it really doesn't matter. We're all here, we're all part of a great community, and we all want to benefit while also providing benefit. A true give and take, Quid Pro Quo at its finest. A Discovery to help All Our Finances In my blog post last night, Tony and Suzanne Marriott were nice enough to comment on the post and provide some insight into a part of the community I had no idea about. See, when I upgraded my account to become a true "Rainmaker," I signed up for $39/month in order to unlock the true benefits of the program. I looked at it like a simple business expense where I can network with the real estate community and increase my exposure where it will eventually produce a nice ROI (return on investment) from the expenditure. $39 x 12 = $468 a year. Now there was a $199 for the year option, but I am one of those subconscious masochists when it comes to money (not like 50 shades of gray, keep it PG there people). What I mean is for some reason, I will pay more money over time with monthly payments rather than drop it all up front and save. I do this constantly and I don't know why. I am a numbers guy so I do the math, I see the clear financial benefit of the yearly price, and yet I always opt for the monthly, slow, attrition based, blood letting option. Ughhhhh! I digress ... back to Tony and Suzanne. They were so nice as to point out a feature of Active Rain I never knew of. Apparently, when you reach the 500,000 point milestone you actually get to stop paying for your rainmaker account. That's right... Once you reach 500,000 points you are entitled to a FREE Rainmaker account. Time it takes to get to 500,000 points and a free account My first impression was jubilation. I was like "Yes, I was brilliant by not paying the yearly because I can just blog and rack points up all day long and get to 500,000". Yes, this is true you can rack up points quickly, but how do we get to 500,000 points and how quickly can one really get there? First, let's talk about how you earn points in the first place. The Active Rain powers that be have done a full breakdown already and you can find that right here with the Active Rain Points Breakdown Page.I could sit here and type out and regurgitate everything, but who has time for that when it has already been done. Open up that page and follow along. I'll break down how quickly you can realistically get from zero to 500,000 points. Blogging:We all know that blogging will get us there, but what can we really do in a week? A month? The table next to me shows the point structure on how we earn points by blogging. There are limitations on a daily basis in order to promote a non-spammy atmosphere, while also supporting the community financially. Clearly, Active Rain wants quality content being published and not garbage. Let's say you're motivated and publish the max blogs per week. You'll get some comments on them as the community rewards people for commenting. You'll also get some likes and maybe even a reblog. So realistically, let's say you do all 10 blog posts per week, reblog another post every day, you get bookmarked, liked and comments (not maxed out, but you get them). Here is what you can realistically expect to receive from blogging in a week. 10 Blogs a week: 10 x 225 = 2,225 points a week1 bookmark per blog: 10 x 25 = 250 points a week8 comments average per blog: 8 x 10 x 6 = 480 points a week10 likes per blog average: 10 x 10 x 5 = 500 points a week1 reblog per blog: 1 x 10 x 25 = 175 points a week (limited to 1 per day) So realistically, you can expect to receive about 3,630 points a week from blogging if you are a very active blogger on Active Rain. I think the main thing to do is put out quality content that people actually care about and want to read. Yes, self promotion is fine, but if you're gonna do it ya gotta offer the reader something. Stuffing your post with a ton of key words and SEO links to your products and services is not something that is going to get an overwhelming response from the community at large. So, offer something and they'll reward you for it. Quid Pro Quo! Commenting & Reviewing: Ok... so blogging is the primary way to rack points up, but there are other ways as well, such as commenting and reviewing. Reviewing is not a major player in my opinion, but it will add up to the grand total if you embrace it.Commenting is almost more important than blogging in a lot of ways. Just look at how many points you can amass by simply writing comments to people on their blog posts. 25 comments on posts: 25 x 20 x 7 = 3,500 points a week1 product review a week: 1 x 50 = 50 points a week Maybe you'll review a product everyday, I guess you could, but for 50 points it seems like a waste of time. I mean do it when you have something viable, but eking out that extra 350 points per week seems like a stretch. It seems like one of those things you do for a week or two and then never do it again. So, in my humble opinion, I think it is realistic to get 3,550 points per week if you're motivated and commenting a lot out there. Q & A points:The next major way to pile on the points on your way to 500,000 is by asking questions and providing answers in the Q & A section on Active Rain. It's a great place for people to stay active and gain other's opinions and perspectives about a number of topics. You might know your local market, but trends and styles and thoughts of your peers can be very beneficial. So ask away and answer away for your own benefit and watch your point total grow at the same time. 1 questions per day: 1 x 10 x 7 = 70 points a week1 bookmark every 3 questions: 25 x 2 = ~50 points a week15 answers per day: 15 x 20 x 7 = 2,100 points a week1 like per answer average: 10 x 140 = 1,400 points a week You see how fast questions and answers can accumulate points for you? Writing good questions and answers can get you bookmarks and likes where writing reviews of products can't. Q & A takes a lot less time than a product review and you get so much more exposure for it plus extra points. Work smarter not harder. The smart way is to answer and keep answering questions. On average, if you are very active in this section, you can look to bank about 3,600 points in a week. Other Points: There are some other way to stack points up in addition to the main ways outlined above. Some of these you have control of, others you do not have control over. Still, there are some additional ways to increase your overall point total. 1 login per day: 1 x 100 x 7 = 700 points a week5 times you follow another member: 5x 10 x 7 = 350 points a week5 time you are followed: 5 x 50 x 7 = 1750 points a week If you're active everyday, you'll get 700 points a week, so that should be an automatic for you. Following other members is easy if you're doing everything else in regards to commenting and answering questions. Being followed is a gray area I just don't know about. I imagine if you are blogging everyday, posting questions and answers everyday, following others everyday etc... That you will also get reciprocating follows. I just can't imagine why that wouldn't happen. So again, if you are active and making it rain, it looks like you can add another 2800 points a week doing this. Recruiting: Here is where it all starts to really add up. We are all in the real estate field if we are here at Active Rain. If you're anything like me, then you know a bunch of people in the field that could benefit from a service like this. Whether they jump in with both feet and gun for 500,000 to get a free rainmaker account is completely hit or miss. If they do, they you get a bonus of 10% of their points that they provide. So if they hit 10,000 points in a week that means you get an extra 1,000 points that week. Kinda nice, right? It can really add up. Plus, for every person that just accepts your invitation and signs up for a free account or whatever you get 250 points. Recruiting could work out for you or not. Again, this is one of those areas which is really out of your control. You should do what you feel comfortable with. If it works for you then great, but I am not going to include that in this analysis as it seems more like bonus to me. Give us ... us ... FREE! I'm a movie buff so that was a little quote from Amistad if you don't know. In summation, let's look over what you can expect to get in a week if you are very active and doing everything you can to reach the Free Rain Maker account with Active Rain! Blogging: 3,630 points in a weekCommenting: 3,550 points in a weekQ & A: 3,600 points in a weekOther: 2,800 points in a weekTOTAL 13,580 points Ok ... so ... by these calculations you're looking at topping out at about 13,580 points a week if you are doing everything you can to rack up as many points as possible and really interact with the community by providing relevant content with strong comments, questions, and answers. If the goal is 500,000 points, then all we have to do is a little bit of math. 500,000 / 13,580 = 36.8 weeks So, it will take you about 36.8 weeks or roughly 9 to 9.5 months in order to turn your paying Rain Maker account into a free Rain Maker account if you are super active on the site. As I mentioned before, I am paying $39/month so I will pay roughly 10 months of that or $390. I definitely should have paid for the year, but I just didn't do it. Now, the only way I can see curving that time in my favor is by recruiting a lot more. If I wanted to really shave some time off that 10 month clock, then I would have to recruit people and get them fired up to be overly active like I am right now. I am not so sure that is a realistic goal for me or not, but it could make sense. Conclusion: I am still pretty happy about the fact that this option even exists at all. There is a end in site. The most important thing for me is the platform itself. I want to reach out and promote my services because many people need them. There are a lot of investors and agents on here that can use my help. Vice Versa, I will be able to connect with agents and investors on here that can help me and expand my knowledge about the entire real estate industry. This is an exchange interface and the people that created this platform created a great community. They figured out a way to organically promote people to interact and share and work together in a great environment with the incentive of allowing one's upgraded account to become a free rain maker account with active rain once they have proven themselves. It's a win-win scenario and I am happy to be a part of it. I hope that helps you a little bit in understanding what it's gonna take to hit that 500,000 point milestone and get your free account with Active Rain. Best of luck out there. Steve Snyder, the writer of this piece, is a hard money master who's been loaning since The year 2004. He is currently writing for a number of online blogs regarding customized fiscal management, real estate and obtaining credit. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

We Are ActiveRain!

Fri, 08 Jul 2016 00:10:51 -0700

Reading below I thought it was good to highlight milestones in the community. Very interesting information about the 500,000 points. Bottom line, it seems like it is pretty difficult to get 10,000 points in a week. Yiou have to be very active with blogging, logging in all day etc... I wonder how fast someone could get there? Playing in the rain results in the celebration of many different milestones.For many it is the financial freedom that comes with $500,000 points.Another would be that coveted number one position in your city, county or state. Some of these are getting harder and harder to come by.Counting the number of subscribers to your blog might be another one.Or counting the number of posts you have been lucky enough to have featured is another.With this post, I reached a different milestone---one that many may not even be aware of.While I have no clue what it actually means, it does mean a heck of a lot of people have found my blog above and beyond the few people actually part of ActiveRain.At the top of the “Stats” page there is an orange bar that tells how many blog posts you have written followed with the number of times your blog has been “viewed.”That seems like a heck of a number to me, but I think it is all part of the picture of why AR has such good google juice---both for AR and ourselves. We ARE ActiveRainCharles Buell, Real Estate Inspections in Seattle* * * * * * * * * * * * * * * * * * * * * * * * * Seattle Home Inspector WA State, Home Inspector Advisory Licensing Board Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.

100% LTV Financing for Fix and Flippers | Private Money | Hard Money

Thu, 07 Jul 2016 14:53:07 -0700

100% LTV Financing - The Myth Is True In the world of real estate investing one thing is always true. The more properties you can buy the more money you can potentially make. Ok, you might think this inherently obvious, but many people don't realize this. Too many times when someone is looking to buy a property, or more to the point finance a property, they are always analyzing and concentrating on the wrong things. Home buyers are always on the hunt for the best rate. Ever since an investor was ever informed about financing they have always had one goal in mind; finding the lowest interest rate on planet earth. What they really should be doing is calculating how they can maximize their buying power so they can leverage their money to purchase more property. This mainly pertains to fix and flippers and rehabbers, but it resonates across the board in some ways as well. Rate Doesn't Matter... "Say What????"I am not here to tell you rate doesn't matter ... oh wait, that's exactly what I'm telling you. Now class, repeat after me, rate doesn't matter... good ... say it again, this time a little louder... RATE DOESN'T MATTER ... do you believe it yet? I bet you don't. The reason why I say rate doesn't matter is because if you're flipping this property than you're going to hold on to this property for what? 90 days? 120 days? Interest rates matters when you are holding on to it for 30 years and going to make 360 payments on a note throughout your lifetime. Your rate over 4 months? Come on now. Concentrate on what matters. It's not the current interest rates. Wanna Play Real Estate Roulette?Look, I'll admit it ok, if all things are equal in a given situation than rate does matter because you want to save as much money as possible. Yes we know, first rule of business is not how much you make it's how much you don't spend blah blah blah. Lower your bottom line and your profits will grow blah blah blah. Thank you Business 101. We all get the basic rules, but making your top priority be the saving of a few bucks you can can ruin literally ruin your investment strategy. What you call thrifty shopping, I call Real Estate Roulette. One of the key things you need to do is work with someone that can deliver and that you trust. Real Estate financing is not something that a person can do well their first day on the job. It takes thousands of closed transactions to understand how to navigate the intricate details of the way everything works. If you find a lender you like, and they treat you well, then they are worth their weight in gold. I swear to god, especially if you find someone who can provide 100% financing otpions. If you work with someone that you know and trust and he charges a rate of 10% you might be inclined to look around and shop for a better deal all because your Business 101 professor beat that into your head along with every advertisement during the refi boom. Now, let's say you find a guy that says he can do everything your trusted lender can do, but he can get you 8%. Wow, 2% savings, sounds great right? WRONG!!!! Over your 3-4 month period you may save a thousand dollars or so, but you just put your entire investment future into the hands of someone that you don't know and hasn't proved themselves. They are an empty promise on the other end of a telephone. He might be able to close at 8%, and he might not. Are you willing to gamble your investment away? You wanna play real-estate roulette? What if in the middle of the transaction he realizes he read his rate sheet wrong and he needs an extra 10% down payment that you don't have? Now you just wasted 2 weeks with this moron on a 17 day close and you now have to get an extension or walk away from the deal. If you were standing to profit $50,000 from your flip you have now just lost $50,000 because of your epic bragging rights quest of attempting to save 2% on an interest rate over the next 4 months. Nice work pal. I can tell you're not going to be investing too long. ABCs: Always Be ClosingIt's a cliché but ya gotta love Glengarry Glen Ross, even if you feel the language (get over it) is minorly offensive (If you don't know what I'm talking about then you must not be a salesman and go buy it now from Amazon). Always be closing. Alright now we're getting somewhere class. "Always Be Closing" means so much more than concentrating on working with people you trust so you can close. I literally mean you should always be closing. Your goal as a fixer and flipper should be to always be in escrow whether you're buying a new prospect or selling a recently remodeled fixer upper. You should always be in escrow. All Cash Offers with Other People's MoneyThis is going to trigger your anxiety about having enough capital to go around. In order to invest you need capital, there is no doubt about it. However you don't need all cash for every single transaction. What you need to do is leverage the cash that you do have so you can maximize the amount of properties you can buy at any given time. You do this by utilizing and tapping into the wonderful world of Private Money. Private money is this somewhat obscure world in between hard money and your rich uncle Bob. If you can find the right private money lender out there then they are worth double their weight in gold. Leverage is the #2 PriorityChances are if you're looking to invest in properties than you should have some capital in which you plan to use for your investments. More than likely you don't have 2-10 million dollars lying around to buy every investment opportunity you see in straight cash. Now, if you go back to the train of thought of maximizing the profitability of a single transaction (from your business 101 professor) as being the top priority than you'll believe that buying a property all cash is what matters most. All cash means no lender fees, no interest rates etc... You can save money by purchasing a home all cash, but that limits you to only one or a few transactions. Hypothetically let's say you have $125,000 you can invest. (please keep in mind I am oversimplifying this to make a point). Now you could purchase one property at $100,000, put $25,000 into it and then resell it for $155,000 giving you a $30,000 profit. Sounds pretty sweet right? You saved loan costs and you bought yourself a nice property and resold it for a nice profit. Now, let's say you have the opportunity to buy 4 houses for $100,000 each + $25,000 each for the rehab. Well that stinks, you're $375,000 short. Change your way of thinking. Borrow 100% of the purchase price money from Private-Money-Loan.com for each home. Let's say it costs you $5,000 for each loan in rates and fees. Well, you resold each home for a $25,000 profit and made $100,000 in profits versus $30,000. That is exactly why rate doesn't matter. If you're working with the right person that can deliver results than you will be able to buy more houses by leveraging your money with more aggressive programs. This will always yield you much better results and much more money. 100% Financing is the Holy Grail for fix and flippersIt is not easy to find 100% LTV financing, but it is out there. You just need to look in the right places for it. Concentrating your efforts on finding the maximum amount of leverage is going to be the biggest payoff for you in the long run. Utilizing other people's or a company's money will cost you more per transaction, but if you listen to Alec Baldwin and follow the ABCs then you'll be a much wealthier person than any "rate bragger" out there in the world. Best of luck out there. More about the writer: Steve Snyder has continually provided hard money and joint venture programsfor lots of property investors for upwards of Twelve years. Steve Snyder is the Founder of the firm Private-Money-Loan and provides excellent solutions for anyone around him. Steve Snyder President http://www.Private-Money-Loan.com If you don't have an account with active rain yet, then sign up now and blast your real estate business to the stratosphere.