Becoming a Property Investor the First Steps

Writen by David Woody

More and more of us in the UK are taking the plunge into property investing. By property investing I mean people who own or manage more than one property, although it would be technically correct to refer to all homeowners as property investors, for the purposes of this article lets look at those who are considering “taking the plunge” and buying additional property for profit.

Unfortunately, although there are considerable profits to be made (and being made as we speak, a significant percentage of the richest people in the UK made their fortunes through property!) many novice investors suffer serious financial losses and in many cases these losses could have been avoided with some planning and foresight.

The absolute first consideration is not raising finance, choosing property in right location or even marketing the properties for sale ( although these are all obviously important factors),it is allowing for the time commitments running a property business will have on your existing occupation, social life and family.

Many people seriously under estimate the time and hassle involved in running a part time business, for those who have the financial resources to invest in property on a full time basis this of course does not apply, but for most of us starting out in property, we will be juggling a full time job along with family and other commitments in addition to property investing.

Cast your mind back to the purchase of your existing home, was it quick, easy and painless? Unless you have been extremely lucky the answer will be an emphatic NO! You will probably have viewed in the region of 20 30 properties just to arrive at a short list, some of the properties you were interested in may have fallen through at various stages due to “gazumping”, survey problems or a host of other difficulties. Then there is the paperwork, mortgage applications, solicitors and conveyancing….

Try and work out how many hours you actually spent on the whole property buying process, I think you will be suprised at the amount of time involved. Now consider this, buying a property as a home is MUCH easier than buying an investment property! Take the amount of time involved in buying your existing home and multiply it by a factor of 3 4. Then of course we come to the second stage, the refurbishment/renovation of the property to ensure good selling price and finally selling the property, or renting it out to suitable tenants. Are you beginning to see the time and effort involved in just one additional property?

Unless you are willing to make a substantial commitment in time do not even consider property as a source of additional income, it is a labour intensive business even at the best of times and the potential problems are many and varied. If you have taken this on board and are still interested in property investing however, then the potential rewards can be huge.

This is the first article in a series on beginning property investing, to read the rest of the articles please visit http://www.fm money.co.uk

Cheap Houses For Sale

Writen by Steven Gillman

We found cheap houses for sale all over the country. My wife Ana and I were on a seven week drive around the country. It was a vacation, but we looked at houses too, and bought one in a great little town in the mountains of western Montana. It cost $17,500, and after $2000 to fix it up, we lived there for several months before selling it for $28,000.

We loved Anaconda. Where else can you fly fish, go to a three dollar movie in a beautiful old art deco theatre (the 5th most beautiful in the country, according to the Smithsonian), drop some nickles in a slot machine, eat at a fine restaurant, stop by the bar for a dollar beer, and buy a house for under $30,000 all within a four block area! There are good schools and churches, a library with fast internet service, and wildlife (including bears) a few hundred yards from downtown.

Why Are There Cheap Houses For Sale?

There are cheap houses in Anaconda, and nearby Butte because there aren’t many good jobs. I easily found jobs in Anaconda but not good ones. This explains why people left the area in the 80’s, after the mines and smelters closed.

Thirteen percent of the “housing units” in Anaconda are vacant, according to the 2000 U.S. census. This has driven down the home prices dramatically. Since it still has all the basic ammenities, is cleaner now, and is slowly recovering, it’s a great place to retire to or to move to if you have an internet or other non location based business.

A poor local economy is the reason you can buy cheap houses in many parts of the country. These are towns that have seen troubled times, but are often recovering, sometimes with good reasons. Anaconda, for example, now has, in addition to it’s beautiful mountain scenery, a ski resort and a Jack Nicholas golf course. Houses cost four times as much an hour in any direction, and those prices are bound to reach Anaconda eventually.

Cheap Houses You Don’t Want To Buy

There are towns like the one in South Dakota where we stopped for lunch one day. A bulletin board had ads for cheap houses for sale by desperate people trying not to be the last to leave town. There was a photo of a beautiful old five bedroom farmhouse for $11,000. As we ate, we looked up the deserted street and noticed that most of the buildings were boarded up. This was a dying town, with nothing to help revive it. A free house wouldn’t be a good enough reason to move here.

Cheap House For Sale Our Criteria

There are many wonderful towns, from Florida to Oregon, where there are cheap houses for sale. After our Montana experience, we started a website about them. What does a town need in order to make our list? The criteria are certainly subjective, but include at least the following:

1. Population of 4,000 to 80,000.
2. Decent library.
3. Good grocery store.
4. Movie theatre.
5. At least six houses for sale under $50,000.
6. The town has a good “feel” to it.

After much research, we found a number of towns that met our criteria, including some with homes for under $30,000. There really are nice towns out there where you can find cheap houses for sale.

Steve Gillman has invested in real estate for years. See a photo of a beautiful house he and his wife bought for $17,500 on his home page, or go straight to the section on Investing In Real Estate: http://www.HousesUnderFiftyThousand.com

Property Investment Researching The Location

Writen by Timothy Wright

It’s always wise to have an idea of what type of property you’re looking for when considering an investment and this article outlines 8 of the different factors to consider when researching specific locations.

1. Infrastructure

It’s important to consider a town’s infrastructure when looking for an investment property, especially in terms of what future investment is to be made in that area.

Local Authorities and Councils will have an annual budget for both the maintenance of current infrastructure and also for the construction of new infrastructure projects. Finding out how much the annual budget is and future investment will give you an idea of how proactive the authority is in attracting new residents, extra funding and business opportunities.

Most councils will be happy to provide most of the information and a lot of it will appear on their websites. Also look at the websites of local big businesses to get information on their future plans which will attract investment and create new jobs in the area.

2. Proximity to Amenities

In most cases, the main purpose in buying an investment property is to attract tenants who will pay a weekly or monthly rent.

It’s important to know what type of tenants you are looking to attract and so any potential investment property will need to be close to the amenities required by the tenants. A city worker will want to rent a property close to shops and transport whereas a farmer will have different requirements.

Most properties in close proximity to the town will rent fairly easily compared to those which are a 15 minute drive outside of the town. Properties close to the town will also attract tenants who don’t have their own transport.

So it’s best to know what your tenants requirements will be before you purchase.

3. Local Employers

It will always be easier to find tenants in towns where there are large employers in the vicinity. These include factories, large shopping malls, hospitals and universities.

With hospitals, many of the employees may be employed on a temporary basis and so owning or buying their own property in the area may not be a choice for them and renting is the easier option. Also, in the case of universities, a lot of the students will come from out of town and so renting is again the best option. This offers them more flexibility however it also means that your investment property could be vacant during certain months of the year and may switch tenants on a regular basis.

Again, be sure to research the future plans of these employers. If a major employer is due to shutdown or relocate in the near future then there will be a glut of empty properties with landlords doing whatever they can to fill them including drastically reducing the rent.

4. Geographic Location

This will determine both the type of tenant you get and also how easy your investment property will be to rent out.

Holiday properties near the ski fields will command a higher rent than a property in the city however it may only rent out for a few weeks per year. A beach house will also be in the same position. Again, it’s important to understand the type of tenants in the area, what they are looking for, how much they are willing to spend, etc.

A beach house may command a high rent but may only attract retirees who are willing to pay top dollar and so this narrows the number of potential tenants. Properties closer to cities and amenities will likely attract a higher number of tenants willing to pay a lower weekly rent.

5. Demographics

Spend time understanding the demographics of the areas population and you will have a better idea of the type of tenant you can expect.

Find out the populations’ average salary, the different age brackets, percentage of those married and single and the percentage of the population that rent.

The demographic information will show if the town’s population has been growing or declining over the past number of years and therefore if an investment is a safe bet. It will give you an idea of the earning capacity of tenants and how much rent you can expect.

It may also show movements of parts of the population to new parts of the same area due to factory closures, increase in crime etc.

6. Property Median Prices

Historical property prices will be a good indicator to the fluctuations in property values in the area over time.

A property may look like a bargain at first glance but with a little research you may discover that the same or similar properties changed hands previously for a lot more money. There may be a simple explanation for this such as a vendor wanting a quick sale but it may also reflect a dive in the local property market for various reasons.

Median prices will give an indication of what you can expect to pay for the different types of properties (no. of beds, land size, etc) in the area and the figures may also show the number of recent sales. The historical figures will also give a pattern of historical growth or decline in the area over time and this could be used to indicate a property’s future value.

7. Occupancy/Vacancy Rates

Each area will have a certain percentage of rental properties tenanted (occupied) and the remainder without tenants (vacant). Towns with a high vacancy rate (normally deemed to be more than 4%) will make it possibly harder to find tenants to fill your rental property as it shows a lot of competition for too few renters.

Too few renters will also mean that landlords will have to be more creative in attracting tenants and may need to reduce the rent and offer other incentives to entice renters.

Areas with high employment and a strong outlook for the future are likely to have a higher occupancy rate and this may even cause competition amongst renters, allowing landlords to set higher rents.

8. Property Managers

Finding a trustworthy property manager is important if you will not be looking after the property yourself in terms of finding tenants and collecting the weekly or monthly rent.

Good property managers will communicate regularly, carry out periodic property inspections, arrange repairs and, most importantly, regularly deposit the rent (minus expenses) to your bank account.

There are also many other duties a property manager can carry out and it’s important to question those managers in the potential area to find one or more likely candidates that are going to take care of your investment.

Find out how many rental properties they manage, how long they’ve been in business and ay other questions you deem necessary until you find one you are happy with.

In closing, the above points are only guides for you to learn more about an area before you make an investment. There may be more factors you’ll need to consider depending on your situation but if you research the above you naturally increase the amount of knowledge you have about the area. And the more knowledge you have will reduce the risk of a potentially poor investment.

Tim Wright is an international property investor and regular article contributor. He is the author of “Bulgarian Property The Overseas Buyers’ Kit available at http://www.bulgarianpropertybuyer.co.uk

Hiring Family & Friends

Writen by Ed Chaparro

The real estate industry is an extremely competitive business. It’s difficult enough competing against other professionals. But, it is further complicated by the fact that obtaining a real estate license is relatively easy. It takes about 70 hours of class work and passing one or two exams. If I were king I would substantially raise current standards. The low cost of entry to a real estate license is a great disservice to the industry. Sometimes it seems everybody has at least two or three friends or family members that have a real estate license. If you need to sell your home is it a good idea to hire family or friends? Well, it depends. Before you sign on the dotted line there are a few things to keep in mind.

Selling your home is serious business. If your home is not adequately marketed it can cost you a bundle, thousands of dollars. There may be other consequences depending on your reason for selling. Before hiring a family member or friend, the first question you need to ask yourself is “will I be able to fire this person if the job doesn’t get done?” Furthermore, if you do have to fire them how will that affect your relationship with them? Is it going to create a problem at the Thanksgiving table each year and other family events?

Conversely, it may be difficult for your real estate friend to have a frank discussion with you about aspects of your home sale. Selling a home can be an emotional experience. One of the advantages to hiring a professional is that they provide third party objectivity. For example, if I get comments from prospective buyers that my client’s home has an unpleasant odor or is priced too high then I need to have a conversation with my client that a relation or friend may be reluctant to undertake.

Some people don’t give a second thought to hiring a family member to sell their home because they assume that there is really no difference between real estate agents. They reason that all real estate agents do the same thing to sell a home. Or, they reason that putting a sign on the lawn and placing a listing on the MLS is enough to get their home sold. This is a mistake. There is a very big difference amongst real estate agents in the kind of services offered and the amount of attention given to a home. This being the case, you would be well served to ensure that your cousin or in law, or whoever you know, is actually prepared to provide you the kind of services you need to get your home sold.

If that relation you know is a true professional working full time earning their living in real estate and provides the services you require, then go ahead and hire them if you want. On the other hand, if it’s just somebody who got a real estate license they keep in their drawer to “make some extra money,” I would think twice. In either case, ask yourself if you’ll be able to fire them in the event the job doesn’t get done. If you hesitate or feel you couldn’t fire them, then you’re better served hiring someone else that you’re not emotionally or genetically tied to.

Taxes When You Sell Your Home

Writen by Scott Boulch

What’s the difference between death and taxes?

Death doesn’t change every time Congress meets. But taxes certainly did in 1997, and the Taxpayer Relief Act of that year made a dramatic difference in the tax liability of those who sell their own homes. As it stands today, almost no one will owe any federal tax on profit made from the sale of a principal residence (defined by the IRS simply as the place you live most of the time.). To qualify, you must have owned and occupied the house as your main home for at least two of the five years before you sell.

And that’s about it..

It won’t matter how old you are when you sell.

It won’t matter if you once used the old one time $125,000 over 55 exclusion.

It won’t matter whether you buy a replacement home or not.

It won’t even matter if you’ve used this new exclusion on another main home in the past, as long as it was more than two years before the current sale. A single owner can take up to $250,000 gain free of any federal tax ever.

A married couple filing jointly can take up to $500,000. Even if only one of them owns the property, the full $500,000 is available if the non owner spouse occupied the property for the required two years.

The exclusion can include postponed profit on previous homes, rolled over under the old pre 1997 rules. This new tax break can be used over again on the sale of another principal residence, as often as every two years.

You can even use part of the exclusion if you were in the house less than the full two years, if your move is required by one of three reasons: job transfer, health reasons, or some other unforeseen circumstance acceptable to the IRS.

So few home sales will require federal tax payments these days that in most cases your sale won’t even be reported to the IRS by the person in charge of the closing.

For More Information on Selling your home quickly visit http://www.webuyhouseshome.com Unlike other so called We Buy Houses websites, Rescue Real Estate gives you every available option for selling your home. Simply complete our short 1 page form, and get anonymous online access to our team of specially trained REALTORS

Buying A House Checking Exterior Wood

Writen by Raynor James

You need to be very careful before committing to the purchase of a house. If the house has wood and brick on the exterior, you need to consider the following issues.

Wood Issues

Wood is a beautiful material, particularly when it is used on the exterior of a home. Compared to stucco and other materials, it is a wonder wood isn’t used more often. The reason, of course, is wood simply doesn’t hold up as well as man made materials. If you are looking at a home with a heavy emphasis on exterior wood siding, trim and so on, here are some things to watch out for when evaluating the opportunity.

1. The first thing to realize is the appearance of wood has almost no relevance to the condition. A perfectly good looking piece of wood trim may be infested with termites or rotting and you will never know by just glancing at it. When inspecting wood exteriors, never trust your eyes.

2. One of the biggest issues with wood is degradation. When looking at particular areas, make absolutely sure you physically touch the wood. In fact, you are probably best off giving it a fairly good poke with a finger. In doing so, you should be looking for soft areas. Soft areas are indicative of rot in one form or another. Finding rot in one area should make you very concerned about finding rot throughout the structure. Put another way, you may want to start looking at other homes on your list.

3. Finding soft spots in wood can be troubling, but there is something worse. If you poke or squeeze a piece of wood and dust or bits fall off, run for the care. This type of degradation is often a sign of termite problems. Termite problems should be a huge red flag for any prospective home. If you buy the house, you are going to have to tent it to kill the bugs and pay to inspect and repair the damage done by the evil little bugs. In short, you are buying a minor, but expensive, nightmare.

Make no mistake, wood can be very attractive on the exterior of a home. Just make sure you don’t rely solely on a visual inspection of it when deciding on the merits of the house.

Raynor James is with the FSBO site http://www.fsboamerica.org FSBO homes for sale by owner. Visit our home buying page http://www.fsboamerica.org/buyer.cfm to view and buy homes, houses, condos, land and real estate.

Home Buying Checklist Paint and Stucco

Writen by Raynor James

Buying a home is a big investment. You should use a checklist when sizing up potential homes. In this article, we cover a home buying checklist for paint and stucco.

Paint and Stucco

The exterior of a home typically makes the biggest impression when you first view a potential buying opportunity. Many homebuyers, however, often make the mistake of looking at color schemes as the principal issue. In truth, a close review of the exterior of the prospective home can tell you a lot about the quality of the structure.

A person selling a home is not stupid. Before putting a home on the market, they are going to take steps to spiff it out to raise buyer interest and the rate you are willing to pay. There is nothing devious about such conduct. It is natural to want to put your best foot forward and a person selling a home isn’t going to act differently. This is why you want to take a close look at the exterior paint and stucco on a home.

1. The first thing to look for is peeling or flaking of paint on the exterior walls. If you see this in an obvious place on a wall, run for the hills because the house needs a total repaint. Typically, you are not going to find such obvious problems. Instead, you need to poke around behind bushes, up under roof overhangs and in nooks and crannies. If you find problems of this sort, it tends to mean the paint job on the home was not applied correctly. Once these problems start occurring, you can count on them getting worse over time.

2. The second thing to look for is stains around perforations in the paint. For instance, look for an area where bolts or nails penetrate a painted surface. If you see rust around the hole, you may be seeing an indication of poor maintenance. Even worse, you may be seeing an indication of a water drainage problem. Investigate such occurrences very carefully.

3. With stucco homes, you are typically going to find some cracking do to earth movement and temperature changes. As long as these areas are relatively small, you shouldn’t have problems patching them for a nominal price. The bigger problem, however, is if you find stains or soft spots on the bottom section of a stucco wall. This can mean there are problems with the drainage screen behind the stucco wall and water isn’t getting out. If water isn’t getting out, the stucco will continue to degrade and you may have a mold problem at some point. Both situations can be very expensive to fix.

When checking out perspective home buying opportunities, the exterior of the home should be looked at very closely. In this case, the merits of the home all come down to the details.

Raynor James is with the FSBO site http://www.fsboamerica.org FSBO homes for sale by owner. Visit our home buying page http://www.fsboamerica.org/buyer.cfm to view and buy homes, houses, condos, land and real estate.

Real Estate Investing Deals That SkyRocket Your Net Worth 10 Fold

Writen by Alain Diza

Consider these parameters for a real estate deal:

Property Value: $250,000
Purchase Price: $160,000
Repairs: $2,500

If you analyze the numbers, you see that the equity available in this deal is $87,500 (Property Value minus Purchase Price minus Repairs).

So here’s a hypothetical question for you: Assuming that the information above is accurate, and the property is located in an area that you view as acceptable and/or favorable, then:

If I offered to give you this deal in exchange for $10,000 in cash, would you do it?

Remember this is hypothetical. The real question here is this:

Would you exchange $10,000 in cash for $87,500 in equity?

For most savvy investors, the answer is: Absolutely YES!

This is called “Wholesale Real Estate Investing” the process of buying a lot of equity at a very significant discount from another real estate investor who has already done the hard work of finding a deal and getting it under contract.

Just think about that consider how easy real estate investing would be for you if you had a network of real estate investors in your area (and maybe even all over the country) who, several times each month, offered you the opportunity to purchase significant amounts of equity for a severe discount…

…It would be quite easy to become wealthy, fairly quickly, wouldn’t it?

The answer again, is: Absolutely Yes, it will.

It is through smart “wholesale real estate investing” that you can increase your net worth by $20,000 to $100,000 on every real estate deal that you do.

…Now the burning question becomes, “Where exactly do I find these wholesale real estate investing deals?”

I know of at least 3 solid sources…

You’ve got to admit it will be a pretty wonderful thing when you know how to find great real estates deals in which you can trade a small amount of cash for a large amount of equity without even having to find the deals yourself…

…And that’s exactly what “wholesale real estate investing” is all about.

So let’s get right to it. Here are 3 places to find wholesale real estate deals:

1.) Visit the local real estate investing club in your area. Almost all of these clubs have networking opportunities to work with other investors who wholesale deals regularly, and this is an easy way to find great opportunities.

2.) Watch for ads in the newspaper, television, and in other media that advertise slogans like, “We Buy Houses”, or “Sell Your House in 9 Days” or anything similar to that. Most of the time, these people are real estate investors, and they are happy to wholesale deals to people like you.

3.) Watch your email inbox. Why? Because if and when you choose to enroll in various free e courses online, such as that via tm RealEstateInvesting.com, you’ll be provided with automatic notification about great local and national deals as they become available. But be forewarned you’ve got to act quickly whenever these deals are announced, because obviously the response is always significant.

Happy Hunting!

Alain Diza is an Ex Enron survivor turned real estate investor who, through the careful mentorship of real estate ‘gurus’ Bryan Ellis, Omar Periu, and Robert Shemin, catapulted to rapid financial success. He continually creates multiple income streams with his unique marriage of Real Estate Investing and Internet Marketing.

To see a sample of his strategies in action, go to Alain’s private website at: http://www.tm RealEstateInvesting.com

Michigan Real Estate A Little of Everything

Writen by Raynor James

With lakes, forest, farmland, college towns and big cities, Michigan has a little of everything. Fortunately, Michigan real estate prices are on the low end.

Michigan

Michigan is a state of great beauty if the outdoors is your thing. The state borders no less than four of the Great Lakes and has thousands of smaller lakes within its border. Yes, thousands. With all this water come forest and a bevy of outdoor activities. If you prefer the city life, Detroit is in a renaissance. For a taste of the college life, Ann Arbor is the home of the University of Michigan.

Ann Arbor

Home to the University of Michigan, Ann Arbor is a great college town. With a population of roughly 100,000, it is actually a small city but can grow during college football season. The football stadium holds over 100,000, and people from all over the state make a weekend of the games. With the college atmosphere, Ann Arbor is full of interesting little shops, cafes and has an active nightlife. If you’re considering living in a college town, Ann Arbor should be on the top of your list.

Detroit

If ever there was a city that took a beating in the press, it is Detroit. Criticized for an out of control crime problem, the city definitely deserved some criticism in the past. These days, however, Detroit is in the process of turning a new leaf. Over a BILLION dollars has spent renovating the downtown area and crime statistics are down significantly. For comparison purposes, Atlanta and Washington, D.C., have much higher crime rates. The rebirth of Detroit is an ongoing process, so don’t hesitate to give it a look. It may be an opportunity to get in on the bottom floor.

Michigan Real Estate

Michigan real estate prices are surprisingly cheap. A single family home in Detroit will set you back roughly $280,000, while the same home in Ann Arbor is $345,000. On average, the prices in Ann Arbor are the highest in the state.

With such reasonable prices, one wouldn’t really expect to see an exciting appreciate rate in Michigan. For 2005, Michigan real estate appreciated at a miserly rate of a little less than 5 percent.

Raynor James is with the FSBO site FSBOAmerica.org homes for sale by owner. Visit our home buying page to view and buy Michigan real estate.

The Many Ways To Profit From O.P.P.’s Multiple Cash Streams

Writen by Sue And Chuck DeFiore

In a previous article we introduced you to the concept of O.P.P., or Other People’s Property.

In that article we asked you what you would do if you found a business that:
* could generate multiple streams of income
* would work in any area of the country
* could be worked both locally and nationally
* could be worked both on and off the web
* would allow you to build your long term net worth
* and, can be started either in your spare time or part time

What we are talking about is a wonderful business that allows you to generate immediate cash flow and also build your long term net worth.

So, what is this wonderful business. Lease Purchasing.

Lease Purchasing is a specialized niche in the field of Creative Real Estate, which allows you to control property without the trouble of ownership; and profit from this. Lease Purchasing affords wonderful benefits and opportunities to sellers, buyers, investors and those who would like to operate a home based business. Lease Purchasing allows you to control property without ownership and this has benefits for all.

Lease Purchasing provides you with a variety of ways to make money. Some of them are:

You make money with the assignment fee. The assignment fee is the money you receive from selling a contract you have on a property. This will vary depending on the strategy you use.

You can also make money on cash flow. Cash flow is the difference between what the tenant/buyer pays you and the obligation you have on a property. You can also negotiate with the seller for a percentage of the positive cash flow, even if you are using one of the strategies in which you do not remain in the deal.

You can receive money at closing. When the tenant/buyer exercises the option to purchase the property, and if the deal is structured in this way, you can receive money at the closing.

You can create your own, high quality notes, which will give you a very nice monthly income.

You can flip a contract or sell a pure option to another investor and receive money in this manner.

You can consult with buyers and sellers. Sometimes the seller just doesn’t want you in the deal or a buyer wants to do it themselves. In these cases you can consult with buyers and sellers and show them how to do it. You charge a consulting fee to help buyers and sellers with the lease purchasing their property.

Every year, thousands of people get started building their fortunes in Real Estate. It is well documented that Real Estate is the world’s greatest wealth builder.

The niche of Lease Purchasing grants you the ability to reach your financial freedom, with O.P.P., Other Peoples Property. All it takes is the desire to succeed, some time investment on your part and some specialized knowledge.

As you can see, Lease Purchasing comes very close to being the Perfect Home Based Business. A realistic first year income is $50,000 to $75,000 for someone working full time. You can add $20,000 to $30,000 to your present income on a part time basis.

Don’t you think you owe it to yourself to explore the potential of O.P.P.?

What are you waiting for?

Copyright DeFiore Enterprises 2000

Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our “how to” Home Business Solutions Digest, it’s like having your own personal coach: mailto:subscribeHBS@homebusinesssolutions.com