FAQ Sell Your Note Earn 15% Now! Mortgages

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Sub-Prime Lending Markets Will Affect You

Forget all the negative press about "predatory practices" that have put some of the major
sub-prime lenders out of business lately - there is much more to the picture! A sub-prime
lender is one who lends money to high-risk individuals.

The biggest players, including some large banks and insurance companies, are losing
tremendous sums of money at the sub-prime game. Over the past several months' most major
sub-prime lending companies, including the biggest and oldest in the business, experienced
some difficulty in one way or another. Many have either struggled to keep their doors open
or have actually decided to file for bankruptcy.

Those still standing have had their investment ratings downgraded due to the industry's
legal and political risks, not to mention the financial realities of doling out money to
high risk borrowers, secured only by high risk, high-loan-to-low-equity-value properties.
The strategy of aggressively creating loans and then selling them off in pools of securities,
known as "securitization", has given fuel to this multi-billion dollar industry, at the
expense of profits.

Equity Is Still King. Spending money to make money might make sense in the right business
platform - but giving it away tends to spill red ink all over the place. Consolidation in
sub-prime lending markets will likely make equity king again - forcing deal-makers to
return to "practical solutions" for real estate financing options, and not always just for
sub-prime borrowers.

How This Affects You

Okay, it's time to think of new ways to help your clients. Creative solutions for everyone.
For many of you it will be a whole new educational process. Fortunately, you don't have to
look far - I am a quick phone call away. And the time to get started is sooner rather than
later.

Remember, every deal is different and I can always give you some basics so you'll have a
complete understanding, and the ammunition, for counseling your clients on closing deals
in a less fluid environment.

For example, did you know that table funding (otherwise known as simultaneous closings)
has become one of the hottest techniques in real estate transactions over the past eight
years - making up an estimated 20% of all private note sales? Several issues ago, I
explained how Sellers needing cash could sell a newly created note simultaneously with
 the sale of their property.

Installment Sale

Additionally, in the last issue, I pointed out that most Sellers assume that they need
all the cash at closing. However as I explained, an installment sale can often be a better
alternative, both from a tax and a reinvestment standpoint.Also in the last issue, I
illustrated how a client holding existing paper can use that paper as collateral to
secure more assets, while continuing to enjoy higher returns and more tax benefits.

The Best Strategy

If you or your clients are disposing of real estate assets or need to liquidate existing
notes, feel free to give me a call ahead of time. I am happy to help you determine which
strategy might work best.What I am proposing is that you use one of the many alternative-
financing techniques, providing a broad range of options so your clients can complete
transactions in a manner that is acceptable to them.

More Options

Here are a handful of options you can choose from:
1. Private seller carryback purchase mortgages
2. Table funding
3. Trading equities
4. Exchanging
5. Substituting collateral
6. Bartering
7. Using land contracts
8. Converting existing notes to cash
9. Structuring lease options.

All of these deal-making strategies have been used for decades and are valid, viable, and
valuable techniques.

Problem Solving Professionals such as Realtors, attorneys, CPAs, and mortgage brokers have
used these techniques reliably for years - knowing that they offer practical solutions for
their clients.

Fax 1 775 640 6558

Call 1 561 840 8644 CellPh 1 561 951-8244 E-Mail: rmealey@usa.net R Mail: P.O. Box 3392 Palm Beach, Florida 33480

FAQ Sell Your Note Earn 15% Now! Available Now

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