Webjugate

If you are like many people today, you may be having trouble making ends meet or are living paycheck to paycheck. This often leads to homeowners defaulting on their mortgage, and defaulting on a mortgage for a primary or secondary residence can have serious repercussions for the homeowner. The repercussions of defaulting vary by state and province and by country, and can affect a homeowner for years to come, so he or she must fully realize what defaulting on a mortgage means to financial security and status.

For instance, when you default on a Spanish mortgage, there are certain consequences. In the past, such defaulting used to be very simple. This used to be true, especially for second residences or vacation homes. However, this is no longer the case, as Spanish banks can and will pursue non-residents to fulfill their mortgage obligations.

If you find yourself unable to avoid defaulting on your mortgage in Spain, the bank may agree to take the home back. This simple option will save the homeowner a lot of money in court costs and additional interest on the home loan. You cant just turn the keys over to the bank without arranging it, however. The bank has to accept your offer, and they are under no obligation to do so. Homeowners that have a true hardship as a reason for defaulting on a Spanish mortgage will likely be more successful in negotiating a home turnover. An example of such a hardship would be the death of a spouse or another situation that has caused your income to be drastically cut.

If you cannot negotiate a home turnover with the bank that holds your Spanish mortgage, you will need to sell the home as soon as possible. You should try to get as much from the home sale as you can, as you will still be responsible to the bank for any shortfall between the home sale amount and the remaining amount on your Spanish mortgage. The bank will be most likely to aggressively pursue you for a large shortfall on the Spanish mortgage. They will attempt to collect the remaining amount they are owed in any legal way they can. The bank may collect money by placing liens on any and all assets of the homeowner..

If you must default on your Spanish mortgage, it is vital that you contact the bank as soon as possible to work with them. Doing so can result in an agreement that will satisfy the bank, relieve you of your responsibilities associated with the Spanish mortgage, and allow you to keep other assets you may own.

In uncertain economic times, many people find themselves unable to make their mortgage payments. This often leads to homeowners defaulting on their mortgage, and defaulting on a mortgage for a primary or secondary residence can have serious repercussions for the homeowner. These consequences vary by state, province, and country, so you must be sure to completely understand them.

There are specific repercussions involved in defaulting on a mortgage in Spain. If you are not a Spanish citizen but own a home in Spain, you may think its still possible to easily walk away from the mortgage with no consequences whatsoever. People who were not Spanish citizens but owned a vacation or second home in Spain could default on the mortgage with little or no cost or repercussions. But now Spanish mortgage holders can and do pursue every legal means necessary to collect on their mortgages.

In case a homeowner must default on a Spanish mortgage, turning over the home to the bank is often an option. This simple option will save the homeowner a lot of money in court costs and additional interest on the home loan. You cant just turn the keys over to the bank without arranging it, however. The bank can to agree to accept the home back, but they do not have to. The bank is more likely to accept the home back from you if you have had a true hardship that has affected your ability to make payments on your Spanish mortgage. Any homeowners that can prove such a hardship to the bank will be even more likely to succeed in negotiating a turnover.

If the bank rejects a home turnover offer from the homeowner, he or she will need to try to sell the home quickly. Try to get a final sale price that will cover the remaining amount on your Spanish mortgage or one that will come as close as possible to paying it off, as the bank will still expect the full amount from you in any case. They are more likely to do so if the shortfall is large. But the bank can legally attempt to collect any amount from you. This means you may face liens on any assets you own, including your primary home and investments. Although it may take years to collect on the shortfall by going through the court systems, the bank that holds your Spanish mortgage will not give up until they do.

Defaulting on a mortgage in Spain is an extremely serious situation, so it is essential that the homeowner work as closely as possible with the bank as soon as it is evident that defaulting is going to be unavoidable. Showing a willingness to work with the bank can allow a homeowner to walk away from a Spanish mortgage with as little financial cost as possible and still retain full ownership of all his or her other assets.

So youve found your dream holiday home, arranged your mortgage in Spain and are now ready to complete the purchase

In Spain, the process of purchasing Spanish property is regulated, and the best thing that you can do to protect your interests is to employ an English-speaking solicitor or lawyer to assist you. Be certain there are no debts or restrictions on the property you plan to purchase.

The legal process for purchasing property located in Spain falls under two types of transactions. First you have the preliminary contract, or Contrato privado de compraventa, and then you have the completion contract, or Escritura de compraventa.

A preliminary individual sale bill should be signed after both sides agree to the cost. The vendor must provide proof that he or she owns the property free of any charges before this Contrato privado de compraventa has been signed. It is Spanish law to charge all outstanding debts to the actual property, and any remaining debt would be the new owner’s responsibility. Nota Simple documents were developed to validate if a property has an outstanding debts.

Details to be included in the draft sales contract will include the date of closure, agreed upon purchase price and a detailed accounting of the property being purchased. A 5% to 15% deposit of the final purchase price will be required. This money shall be held in escrow for your benefit. You can sign the private preliminary sales contract and not put down a deposit but it is not advised.

Escritura de compraventa is otherwise known as the second or final contract stage. On the completion date, the balance of the price of purchase and all fees need to be paid by the purchaser. Next, the seller and buyer meet and sign a contract, which is essentially a claim to the property. In front of a Notary Public the buyer will receive the deed of conveyance which is known as escritura in Spain. A photocopy of the deed will be provided to the tax official and property registrat to ensure everything is legitimate. In Spain, all deeds of sale must be witnessed by a Notary Public, which is a public official in that country. However, you need to have your own legal counsel to protect your own interests during the transaction. Remember too that as the buyer you will be responsible for paying the Notary Public’s charges along with the real estate sales taxes.

Once youve chosen your ideal property and found a Spanish mortgage how do you go about completing the purchase?

Many foreign countries have different regulations regarding the buying and selling of property; this includes Spain where such transactions are regulated. As such hiring an English speaking lawyer would be advisable. Validate that the Spanish property you plan to purchase is free of restrictive clauses and debts.

The legal process for purchasing property located in Spain falls under two types of transactions. The first legal document is the preliminary contract, known as Contrato privado de compraventa, and the second is the completion contract, known as Escritura de compraventa.

Once both parties have agreed to the price, then a preliminary private sales contract should be signed. The vendor must provide proof that he or she owns the property free of any charges before this Contrato privado de compraventa has been signed. The purchaser must pay the debts of their property as part of their %LINK2% agreement. Nota Simple documents were developed to validate if a property has an outstanding debts.

Details to be included in the draft sales contract will include the date of closure, agreed upon purchase price and a detailed accounting of the property being purchased. At this point you will also be more than likely required to pay a deposit of between 5 percent and 15 percent of the purchase price. These funds will be held for you in a bonded client account. You can sign the private preliminary sales contract and not put down a deposit but it is not advised.

Escritura de compraventa is otherwise known as the second or final contract stage. On the completion date, the balance of the price of purchase and all fees need to be paid by the purchaser. Both the vendor and the buyer must sign the contract at the same time. This contract is equivalent to a deed on the purchased property. In front of a Notary Public the buyer will receive the deed of conveyance which is known as escritura in Spain. A photocopy of the deed will be provided to the tax official and property registrat to ensure everything is legitimate. In Spain, all deeds of sale must be witnessed by a Notary Public, which is a public official in that country. However, you need to have your own legal counsel to protect your own interests during the transaction. Part of the fees for purchasing include property tax, and legal fees for your Notary Public.

The Atlanta home inspectors at The Inspection Company - www.inspection-company.com have greater than 12 years of experience, provide multiple certifications, and offer a guarantee of 200%. The Inspection Company The inspectors from The Inspection Company offer an immense and full disclosure and very detailed home inspection report. The Decatur home inspectors from The Inspection Company offer Decatur home inspections 7 days a week and work extended hours. As you are in the market for a home in the Atlanta, Smyrna, or Decatur Georgia and vicinity, and would like a no nonsense home inspection report that gives you full disclosure on the new home that you are interested in, search no further than The Inspection Company. - the Atl A written report is delivered by email before 0800 the next day. Follow up questions and discussions are welcome. Repair inspections are available.
SC home inspector services are available for buyers and sellers. A pre-listing inspection for sellers allows them to identify potential concerns early in the process as well as to provide peace of mind that there will be no major defects found during the buyer’s inspection. In the event that the pre listing isc home inspection does identify problems, the seller has more time and flexibility in scheduling and negotiating repairs.anta home inspection company of choice.

This easy reverse craigslist software can offer a chance to take you operations to the next level. You just define which industry you are interested in as well as specific geographical areas, simply push a button, sit back, and watch the leads come in. Then you have the ability to make direct contact to these leads or manage them, save, export, and more. There are many companies now developing versions of reverse craigs list software as well as data mining software today. Discover this version for the most reasonably priced and easy to use reverse craigs list software on the market period. If you are looking to generate leads, find qualified leads, and very tergeted leads, you will want to check out the best reverse craigslist software that you can buy today.

The development of the office and warehousing project by the Pegler Yorkshire Group currently underway in the Dearne Valley near Brookfields Park in Rotherham, has reached an important milestone with the completion of the structural steelwork for the complex. The project, which is currently being managed by Knight Fran and Lambert Smith Hampton, is scheduled to be completed for retail and commercial use by February 2010.

Pegler has decided to use over 104,000 square feet of the premises for its new office complex and distribution centre at a cost of ₤7 million. The centre is likely to be up shortly, with the machinery in place by November 2009, now that the steelwork on the project is complete.

The company, which is a manufacturer of valves, taps and fittings, will be using the setup for its office and for consolidating its distribution centres currently located in Doncaster and Barnsley. Other companies that have pre-let deskspace in the complex for office use include Next Plc, Maplin Electronics and Garnett Dickinson.

Commenting on the development, financial director for Pegler Ian Howarth said that the residents of Rotherham can see the complex taking shape day by day, now that the first phase of development for the project is complete. He claimed that the development reiterates and enforces his company’s commitment to the South Yorkshire area, and that the move is important for the company, allowing it to serve its customers from a consolidated central location. It will also provide a good boost for the economy of the region.

Review one of the world’s greatest selections of properties in Spain here!

Even though PropertyIndex.com is really a new kid on the block house, starting their business only in March of 2007, they were quick to advance to expert status. As a matter of fact, they are a extraordinarily down to earth house exclusively focused on advising any individual planning to sell, buy, rent, etc. real estate across the globe. What they affirm is to assist you light on bang-on what you desire very quickly as well as, of course, unproblematically. Estate is available for the asking in most areas of the world these days, one of the swankiest areas being property for sale in Spain. It’s no effort to chart the marvelous property you can purchase in Spain, one motive for picking properties here being a combination of the houses and apartments available and the option of being able to live together with this spirited people.

This is one of the truly trendy markets these days, and with the lovely landscape and sunshine that surrounds you all year long, how could you be wrong… Estate in Spain is very rich in history, culture and art, this region has been and still is home to a lot of sophisticated nations. About 20 years ago there’d be a mere dribble of Britishers looking for property in Spain. Ask everyone who has moved to Spain and they’ll certainly back this up. Many people would are tagging it a simple trend and others are tagging it a approximating to an infatuation! Shoppers keen on removing to this area will typically range from young urban professionals in search of a bit of a new life perspective to seniors looking to enjoy themselves and slow down.

Do bear in mind, though, that there may be hitches when attempting to acquire property in a foreign market - you’ll want to cope with 100s of procedures when scheduling, inspecting or completing. If you miss out on one single minute step this can definitely initiate insurmountable hitches not to forget, even more importantly, a financial hammering. Naturally, as can be counted on with this favored area, property could well be costly in this area which is naturally caused by the high market pressure. This notwithstanding, homebuyers indeed are a bit spoilt in terms of choice in a destination blessed by fabulous scenery. Actually it’s got the whole thing a homebuyer may covet, etc.

Having fun and purchasing a home are two phrases that are rarely
used in the same sentence. Buying a home is a major investment,
and the process of securing a mortgage and negotiating a price
is complicated. Most buyers are unaware of the confusing steps
that are involved, but dont worry.

We can make it less stressful!

Buyers are intimidated by the various dimensions that make
purchasing a home troublesome C the legal aspects, the
financial aspects, dealing with brokers, agents, insurance, and
others purchase concerns.

But understanding these steps can make buying a home an
enjoyable experience.

Step 1: Assess your finances

This step determines the buyers ability to afford a home. The
buyer may want to consult a financial adviser as to the strategy
he or she may employ in paying for a home. This is important
especially if the buyer has a troublesome credit history and
other financial obligations. The buyer must also reach a
compromise between payment capability and desired property.

Getting a letter of pre-approval shows the seller that you are
serious about buying a home. This certificate gives the seller
the assurance that you have enough money to buy their property.
Securing a Pre-Approved certificate would range from a few days
to a few weeks depending on the status if the request. Its
worth the trouble of waiting, especially if it increases your
ability to reach a fair compromise on price.

Step 2: Survey the Market

With the explosion of information, it becomes more exciting to
search for possible properties. Newspapers, advertisements,
referrals, brochures, and even the internet all give the buyer
more choices and better options. Buyers should take full
advantage of this information glut to facilitate his or her
decision regarding a house. Remember, real estate agents search
new homes on a daily basis. Use this knowledge to find your
dream home.

Consider the Multiple Listing Service. The MLS is a database -
an extremely convenient way to know what properties are for sale
at any given moment. This makes it very useful to real estate
agents and brokers.

The MLS is like a huge property warehouse. When a property is
available for sale, it enters the warehouse. When it is sold, it
leaves the warehouse. The MLS allows the user to search by
property type, asking prices, and amenities.

The MLS only contains information since real estate cannot
actually be stored in a warehouse. This information comes from
the various brokers that exist in the scope of an MLS.

First of all MLS is very convenient. Buyers can browse through
the available properties listed on an MLS. Using the MLS also
does not cost anything. It is a free service that is sponsored
by the Realtors advertising their available properties.

Step 3: Learn from Others

If the buyer is a first-timer, he or she does not have to make
the common mistakes first-timers commit. He or she should
contact people who have been in the same circumstance and learn
from their experience.

Many of the steps seem confusing at first, but become clear with
experience. Information is widely available, in books, in the
internet, and from your friends and family.

Step 4: Find a Suitable Agent

This is one of the most underestimated, yet important aspects of
home buying. Most buyers end up with an agent by sheer accident.
It would do well for the buyer to do research and contact an
agent whose strategy and skills fit the buyers needs. Buying
or selling a house is a thrilling experience. But connected to
this is a stressing and overwhelming job. This calls for a good
real estate agent.

Verifying the real estate agents license is very helpful. It
pays to be very cautious because this involves the property!
This includes their state license in selling a property. Ask for
the previous homes sold for a client. Knowing the trainings and
seminars theyve attended would also give the client a grasp on
the abilities of the agent he would be hiring. Trusting your
agent is necessary, so take the time in selecting the right
agent for you.

Develop a good chemistry with your agent. An agent needs to
understand what is important to you when searching for a
property, and when negotiating with the seller. The agent should
be able to tell their client the true worth of the property.
Meet with your agent frequently so they can keep you up to date
about new properties.

In selling a house, the agent acts as the adviser. He gives the
owner advices like the asking price of the property and acts as
mediator between the buyer and the owner. In buying a house, the
agent acts as the researcher. They also do the legwork and sort
through which properties best suit the need of their client.

A skillful agent can save the buyer a great deal of trouble and
is instrumental in a successful sale.

Ask friends and family who they have used in the past, and ask
them if they would use the same agent again in future
transactions. Trusting your agent will save the buyer from a
great deal of grief later.

Step 5: Close the deal

A great deal of discussion and paperwork is in involved in
closing a deal. However, if the preceding steps were
accomplished well, this step will be taken care of. Here, the
buyer and the seller come to terms with the financial details,
paperwork, and other details vital to the sale. By properly
planning and educating yourself, you will now be the proud owner
of your dream home!

Colorado Springs property is some of the best property in the state of Colorado. You should be able to find that perfect mountain property or other great property rather you are buying or renting a home in Colorado Springs. If you are considering a move to another state, you will want to take more than one look at this fantastic area.

When you come to visit the homes and get to know the city, you will realize that Colorado Springs has so much to offer you and that the land is just breath taking. No one ever really gets accustomed to the view it is great. Everyone would be envious of your Colorado estate even if you were on a tight budget just because of what you can see when you look out your windows. Don’t worry about your budget, because there is something for everyone in Colorado Springs. From the small one bedroom homes, to the multiple story condos, townhouses and even five bedroom homes, you can find it all in Colorado Springs.

When it comes to the value of Colorado Springs homes, you will be able to find anything in any price range and with high value. The properties range from $30,000-$4,000,000. Therefore, as for class, Colorado Springs is for anyone, and you can find the house that will fit your budget, your family and your dreams. You should be able to fit right into Colorado Springs no matter what class you are from and you will benefit greatly from the Colorado Spring area.

Colorado Spring realty businesses make sure that they price their homes fairly for both the seller and the buyer so that both parties can be happy with the final sell. That’s why it is so great to buy a home for investment purposes. Investments in the Colorado Springs real estate is a good move because you know that you will be able to buy for the lowest prices and then you can always ask for something higher when you sell it. In fact, most of the time people will purchase a house in Colorado Springs and live there for maybe a couple years or not live there at all but do some upkeep on their investment and sell it for way more than what they bought because the market value increases daily. Colorado Springs land is worth more than almost any other area in the United States.

The tourist attraction and the number of visitors that go to Colorado Springs each year makes sure that the value goes up. For those who know their stuff about real estate, the more the area is visited by tourists and the more attractions that are offered, the better the investment. It’s literally a real estate “hot spring”. The land that for sale in the Colorado Springs area is good to build anything on and can be used for building a home or ranch. A family type of life is what you will experience in this area, where people come to really experience life.

If you are thinking about Colorado Springs relocation, you are on the right track to a good investment. The atmosphere is very friendly and everyone is considered the best type of neighbor. If you are planning on relocating to Colorado Springs you will want to know a little bit of the city’s history. Well it was first found in 1871 and has become the second-largest city in Colorado. Although the city has changed a lot from being a small, Victorian spa to a huge, sophisticated city, Colorado Springs has still managed to keep its small town feel. While every town has a bit of history, you can also find there are many types of developments and houses being built all the time. The economy is strong, and jobs are to be found in this area.

It is also one of the most famous places to vacation. In fact, over six million people visit the area per year. It’s amazing that the town can stay so caring knowing that most people are only coming and going. One of the most famous tourist sites in the world is located only six miles from Colorado Springs. When you move to Colorado Springs, you became part of the town and also a part of the history as many people come to live, fulfill their career, ski, and farm. Practically everyone in the area has gone to Pikes Peak which is a site that you will have to visit when you are visiting or if you are going to live here. Pikes Peak is the gateway to all outdoor adventures found in Colorado. In fact, it is the most commonly visited mountain in the world. Tourists bring money and jobs to this region so if you want to start a business, you can do that in Colorado Springs as well.

Homes that are located in Colorado Springs can be some of the nicest homes in the state, but you should make sure that you get a good realtor in Colorado Springs. This is important because getting the financial details straight can be mind-blowing. A good local Colorado Springs Real estate will show you the best homes in Colorado Springs.

Many times the realtors will show you the Colorado Springs MLS, which contains multiple listings from multiple banks or sellers so that you are able to find your ‘dream hom’-e’ in Colorado Springs. This is an area you will want to live, explore, and raise your family for years to come. Real Estate agents in Colorado Springs are well acquainted with the area and should be able to tell you some tricks to find the best type of foods or where you can save the most money shopping, or where you can find the best nightclubs. They will inform you about the area and of what to expect with your relocation, how much services cost locally and you can find out information if you have any special needs or requirements. You will also be happy to know that your real estate agent will take of you and your every need. They will make sure that you make your transition as smooth as possible and without too many concerns or stressful times. They will try to get you the best deals for property and for any property that you are selling. The Springs is a great place to live because it is family friendly and even works for those who love the single life. Rather you have a family or are as single as they come, you will love the environment and atmosphere of Colorado Springs. Look for a home that you can grow into, one that has three or four bedrooms, so you can build a family, throw parties and have a great time living in Colorado.

Colorado Springs mountain property is some of the best property that you will find. If you live in an area where there are not mountains now, you will be excited about what you will find, see, and what you can do in this region. It is great for those who want to build a ranch or simply just be located out of the city and away from others. Mountain property can also be a great investment because everyone wants to be left alone and escape their work world when they come home. By owning mountain property, you should be able to easily cash in the investment and turn your mountain property into cold hard cash. Most mountain properties do not stay on the market for too long, that’s why you should try to snatch it up before anyone else is given the chance. Even if you are selling property by owner, you will be able to sell the house quickly and be able to invest in more Colorado real estate quickly. Real estate values are going to rise, as properties become more scarce, if you want to move, you can do it all with the help of a real estate agent who will provide you the best information about areas you can live.

Jennifer Hershey has more than twenty years of experience as a mortgage loan officer. Her site www.explainingmortgages.com - a real estate investing and mortgage resource devoted to making mortgage types and home loan programs easy to understand.

If you’re new to real estate investing, you probably haven’t figured it out yet. But you will. It’s inevitable. Stick around long enough and you’ll discover that successful real estate investors have their own lingo. Yes. Their own language. And if you ever talk to these investors, most of them will quickly resort to certain “F” words to explain their success.

Let me share just a few of these “F” words.

Focus

The all-important concept that keeps you on a clear, purposeful, directed path is focus. We are all focusing on something at every moment. For example, right now you are focusing on this article. How often are we focusing on the wrong thing? The key is to be focusing on the right thing. If you carry a lighted flashlight that is focused up instead of down at your feet, what would be the odds that you would trip in the dark? The odds, I say, would be fairly good. The flashlight is pointing at something; it just might not be pointing at the right thing.

For example, successful real estate rehabbers focus on the process - the rehab process - not the product. The product is a natural outcome of doing the rehab process well. Real estate achievers focus on implementing a duplicatable process to keep their rehab business growing. Non-achievers lack focus and haphazardly rehab the home. If the rehabbed house turns out all right, they credit their lucky stars. If the house is a dud, well, their lucky stars were not aligned just right.

Focus is the act of actually doing those actions that lead to the desired outcomes that you have chosen for yourself. Focus on the right things and you will get the right results.

Fix and Flip

If you are just getting into real estate, fixing and flipping properties is one of the best ways to realize substantial profits without using your own money. You start by searching for motivated sellers with junkers. In other words, find people desperate to sell their house that is in bad condition. Once you acquire the house, you fix it and quickly add value through a systematic rehab process. Then you resell the house quickly for a profit.

Let’s suppose you stumble on a property suffering from neglect by its prior owners. You sense that there is a lot of money to be made because you can buy the property well below its market value, make the necessary repairs, and then sell the property.

To successfully implement a ‘fix and flip’ strategy, you don’t need perfect credit, but you must have access to some cash. Preparing a real estate business plan to present to prospective lenders will vastly improve your chances of getting all the money you need to purchase the property including the repairs.

You can use the real estate business plan to provide your potential money lenders with your approach to your rehabbing business. You need to assure them that they’ll have a first mortgage on the property that will be secured by the property itself. Most importantly, your lenders need to know that that you’ll only purchase deals that are 20 to 30 percent below their after repair value.

After you purchase the property, the average turnaround on a ‘fix and flip’ property is approximately 90 to 120 days from the date you purchase the property to the date you cash out on the property. This timeframe is based on 30 days to fix it up, 30 to 45 days to sell it on the market, and usually 30 to 45 days to close. This process can be done faster, of course, under the right circumstances. However, the process can also take longer if you don’t get the property up to market standards and in selling condition in this time frame.

How many houses do you want to do? How much money do you want to make? Even on a part-time basis, doing a ‘fix and flip’ several times a year can generate a nice second income. Yes. A second income that can quickly surpass your full time income.

Financial Freedom

Real estate is one of the best and easiest ways to create wealth. More millionaires have made their fortunes in real estate than anything else! Here is what some of the wealthiest Americans have said:

“Real estate is the basis for all wealth.” - Theodore Roosevelt
“Buying real estate is the best, safest way to become wealthy.” - Marshall Fields
“90% of all millionaires made it through real estate.” - Andrew Carnegie

Generally, most individuals that are looking for ways to get ahead financially give some serious thought to real estate investing. And many take the plunge. But why do so many that take the real estate investing plunge fall short of their financial goals?

Well, there are plenty of reasons to go around, but the principal reason centers around unrealistic expectations.

Many new investors are unwilling to pay the price. All worthwhile endeavors require some sustained and focused effort. In other words, some real work.

But many of us are searching for the magic key that will open the “real estate treasure chest” to instant wealth. Is it possible this magic key exists? Honestly, I think I have a better chance of getting my face carved on Mount Rushmore than you have of truly finding that magic key just lying around somewhere.

By now you know that success comes before work only in the dictionary. Sure, it’s a cliché, but it’s also a profound truth.

There are other “F” words that permeate the vocabularies of successful real estate investors. But if you will make focus, fix and flip, and financial freedom a part of your vocabulary, you will be on your way to reaching your financial goals.

I should know. Seldom a day goes by that I don’t use one or all of these “F” words in my business.

Lee Salinas, MBA, CPA is a full time real estate investor. Lee started investing in real estate three years ago after losing his job in June 2002. In three years, he has purchased over 170 properties and authored a business plan to help real estate investors get the cash they need to buy properties. The real estate business plan is available at his website - www.realestatebizplan.com