One of the greatest joys for me is to watch others succeed as real estate investors.  I am always amazed how some investors jump in and can create profits from almost any deal, while others seem to struggle with each step they take. 

Over the course of my investing career I have tried hard to identify those characteristics which I believe exemplify successful real estate investors… before they even get started.  And, while this have been no easy task, I thought I would share some of the most common characteristics of successful real estate investors that I have discovered. 

1.  They are not victims.  Every successful investor I have ever known does not allow themselves to be a victim to their circumstances.  They accept responsibility for where they are in their life, their decisions and the results they are creating.

2.  They come from professional backgrounds.  Those individuals who have been in the professional business world have an easier time succeeding in real estate.  I believe this is true because many business professionals have learned to work in teams, have been required to be self-starters, are used to performance based compensation, and for more then a few, they have learned how to manage things.  All of these skills translate directly to building a real estate investing business.  Does this mean everyone in this group succeeds?  No!

3.  They are extremely motivated.  I have found that those investors who have not had the benefit of working in a professional environment, know if they stay where they are, the prosperity they are seeking will not be forthcoming.  In fact, they most likely will be stuck in a dead end job with no way out — and what a tremendous motivator for these individuals that is . . .

4.  They are not afraid of hard work.  Successful investors are motivated by more then just money.  This is an extension of number 3 above… yet I believe this is the number one issue which separates the men from the boys.  These successful investors know the money will come, and it has the potential to come in big chunks, often with little effort, especially when compared to the number of hours required to generate that “big chunk” in the working world.  But, to get that money moving towards them, they have to work at it.  They need to fix problems.  In essence, they must execute item number 1.

5.  They are constantly learning.  The most successful investors get rid of their egos and allow themselves to be taught.  Like a sponge on a mission, those who are willing to learn as much as they can, seek out the advice of experts and then actually take the advice and use it, are hands down the ones that succeed almost with ease, and are fun to coach.

Now for a real life example…

I get a lot of new investors approach me after they have spent thousands of dollars on other mentoring and guru programs.  I am always leery of these investors because I am concerned that they have been taught things that just don’t work, and that they can’t be untrained.

In October of last year I was approached by a new investor who fit everyone of the charateristics mentioned.  During my discussions with her, I could tell that this investor was one focused and motivated person.  Her level of clarity and enthusiasm could not be missed, and everything about her background shouted success!

As I watched her in action I was impressed how she was willing to take those actions others are not willing to take.  Actions like developing her farm area, or getting out of her car — yes actually getting out of her car to walk the neighborhood and get a feel for why this would make a great place to get started. Then she started mining the MLS for properties in that area — of course she found several and made offers.  This lady is all action; just point her in the right direction, let her know what to do, and then stand back.

Within four weeks of getting started she had offers in.  Within 6 weeks she had her first offer accepted.  Within the first 3 months she had the property purchased and on the market. Finally, within the next 2 months she had the deal sold, made a great pofit and was moving on to her next deal. 

Why was she able to spring into action so quickly?  Simple… she displayed those 5 characteristics above and was not afraid to take action!

What does this mean to each of you reading this post?

Here is the take away…

Ask yourself: How do I measure up to the characteristics above?  Do I display the characteristics of a successful investor?  If not, what changes do I need to make to achieve my success?

Image: Kevin Teague

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

Five Characteristics Of Successful Real Estate Investors

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

Property Insurance is one of those nuisance expenses you always see calculated into mortgage payments and cash flow projections. It’s the second “I” in the acronym “PITI” (Principle, Interest, Taxes, Insurance), which most investors use to describe an overall monthly obligation on a property.  While unexciting and usually begrudgingly paid, I would argue that property insurance is one of the most important components in a real estate transaction.  Interestingly, I have found that even the most meticulous investors often pay little attention to the price and coverage of an insurance policy … perhaps assuming that all policies and carriers are alike.  I can assure you after working with numerous insurance agents and carriers over the years, this is definitely not the case.

While I have seen insurance agents bind policies for investors at $ 900/yr, I’ve seen almost identical policies on similar properties with premiums of $ 500/yr. At a difference of $ 400 dollars a year, an investor could potentially give up a large portion of their monthly cash flow simply because they bound a policy without shopping around first. I’ve found that different insurance agents have relationships with different carriers, and as such, have different programs to offer. I’ve also found that many insurance companies are not particularly interested in landlord policies and either don’t offer them at all, or price them less competitively than other carriers who may be more comfortable with this line of business.

In many cases, insurance agents quote a higher premium assuming an investor wants a higher level of coverage. For example, the investor may have a policy with a lower deductible or additional coverages such as contents, rent loss, etc.  As an investor, it is very important to weigh the cost and benefits of paying extra premium (and sacrificing cash flow) for these types of enhancements to the policy.  While there is not a right or wrong answer, the important questions to ask are:

• Is this policy competitively priced considering the coverages and deductible?
• What level of insurance do I need to feel comfortable while not sacrificing an unnecessary amount of cash flow in the process.

Finding a good insurance agent is critical for any real estate investor.   I encourage investors to shop around and get referrals from other investors before buying an insurance policy. Make sure you are not over-insuring and/or overpaying for your policy. Getting quotes from multiple companies will help you develop a framework for understanding how much you should be paying for insurance. In addition, by speaking to multiple insurers, you may find opportunities to save even more by bundling insurance (i.e. auto and property), association discounts (i.e. military or professional associations), safety discounts (smoke alarms, monitored alarms systems), etc.

As always, it comes back to educating yourself in all aspects of a real estate investment. Property insurance is just another facet to this business that should not be taken for granted.  Cash Flow margins are already skinny enough without overpaying for property insurance. Take the time to put the right coverage in place that strikes the balance between peace of mind and profitability!

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

Investors: Be Smart About Your Property Insurance

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

A quick rundown of the important real estate news from the week of February 4 – February 10, by the numbers:

Less than 50% – Number of lenders offering mortgages to applicants with FICO scores less than 620 and a 10 % down payment. Borrowers are being rejected, even though the applicants fit within the government sponsored enterprises’ purchasing guidelines.

3.33% – Drop in consumer sentiment in January from the previous month according to Reuters/University of Michigan’s monthly index. The 72.5 reading (previous month was at 75), was less than the 74.8 reading economists expected.

358,000 – Number of seasonally adjusted initial unemployment claims. The number is down 15,000 from last week’s revised figure of 373,000.

42% – Increase in the number of housing markets that showed measurable improvement in February. The list of improving housing markets is now at 98.

$ 25 Billion – The amount of a mortgage settlement reached between the federal government and the nation’s 5 biggest banks. Approximately 750,000 borrowers from 49 states (Oklahoma is the only state not participating) who lost their home due to foreclosure between 2008 and 2011 will receive $ 2,000 over a 3 year period.

$ 35,000 – Amount banks are offering up to for struggling homeowners to sell their home, via a short sale, prior to foreclosure. In many cases, banks take less of a hit incentivizing homeowners to short sale, than if they just let the home get foreclosed.

3.87% – Average rate on a 30-year fixed mortgage this week according to Freddie Mac. The record low rate of 3.87% has stayed steady for two weeks now.

20.2% – Drop in single-family median home prices in Q4 2011 from Q4 2010 in Boise City – Nampa, Idaho. Boise City had the largest drop in value out of the 29 metros that lost value during the same time period.

25.6% - Increase in single-family median home prices in Q4 2011 from Q4 2010 in Cape Coral-Fort Myers, Florida. Cape Coral had the largest rise in value out of the 29 metros that gained value during the same time period.

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

Real Estate News by the Numbers: Week of February 4 – February 10

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

Over the last 35+ years I’ve spoken with literally hundreds of people convinced they were seriously preparing for retirement. The problem for many is one of scale. For a couple in their 40s who make $ 80,000 yearly between them, $ 250,000 is one heckuva lotta money. Yet, if they’re 45, retiring at 65, turning that  amount into $ 1 million would require 20 consecutive years of just under 7.2% annual yield. No losing years allowed. ‘Course, they’re gonna have a down year or two, right? That means a few months to a few years on the ol’ treadmill catchin’ up to where they were when Murphy showed up. At that point, more likely than not, double digit returns would be needed to arrive at the coveted million dollar mark.

A million bucks at retirement probably ain’t gonna cut it for most retirees.

Think about it. For those getting their income from 401s and IRAs, two things sober ‘em up big time, and quickly.

1.  Every single dollar coming out of their plan is taxed.

2.  If they were 65 today, the 10 year treasury bond would yield them exactly $ 19,000 a year plus two $ 5 foot-longs at Subway — before taxes.

The same million bucks in debt free real estate?

Well located real estate, assuming no increase ever, as in never-ever, in net operating income (NOI), the income would be roughly $ 60-80,000/yr give or take. $ 1,000/mo into an EIUL from 28 years old ’til 58, with inflation adjustments of about 2% annually on the premiums, will get my own daughter and her newish hubby around $ 100,000 annually — tax free — ’til they die.

The combination of those two investment vehicles, wisely used, with careful and Purposeful Planning, will slaughter, literally, the anemic performance of a million bucks in the average couple’s 401k or IRA.

Thing is, Purposeful long term real estate investing is relatively rare. This is especially true when compared to those with the ‘qualified retirement plans’ at work. Seems most everybody has one, but they’ll quickly tell us how the performance has been mediocre at best, and dismal at worst. What TV does with real estate is Barnum and Bailey. There’s the required flipper. Then they find a property. Then there’s some false drama created to keep us coming back after the commercials. Then they make a profit. Then it’s time for the new Netflix movie that came in the mail today.

The Takeaway

Your 401k or IRA ain’t gonna get ya there, regardless of what you’ve been told. The next person who tells me about the six figure retirement income they’re enjoying, courtesy of their 401 or IRA — will be the first. They gotta be out there, but I’ve yet to meet one.

Are you gonna be the exception proving the rule? Not freakin’ likely.

Marshal your capital, and commit to learning about how to invest in real estate, long term. Don’t travel the road most are on, it’s a dead end. There are thousands of Americans thinkin’ they’ve succeeded with their retirement plans, solely due to the fact they’re nest egg requires two commas. They were woefully misled, but after the last guest at the retirement party leaves, it’s a bit late.

Now, it might not be too late, IF, that million bucks can be extracted tax free. Alas, a pipe dream for most.

What’s that I see comin’ round the corner? Another birthday?

Time . . . is . . . not . . . your . . . friend.

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

Purposefully Planning Your Retirement – What Is Time To You?

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

Recently we started running some split tests for our Facebook real estate marketing ads, and one of the ideas we tried is known as the “Where In” campaign. In other words, this is a way to pull in traffic via Facebook by displaying an advertisement that portrays a local landmark, which visitors can guess at for a chance of winning a prize.

After making some very simple yet extremely effective tweaks to the original copy, we were absolutely shocked by what we found. In fact, I think Josh Schoenly nearly peed his pants when he discovered that by altering 3 specific components, the click through rate (CTR) literally jumped by 2,000%!

How Our Facebook Real Estate Marketing Campaign Improved Exponentially

1. The Image: As you will see from the video below, one of the most important factors to improving CTR’s is by utilizing a catchy photo. Think of this as interruption based marketing versus actual search intent.

   Therefore, with Facebook paid ads, you want to make sure that you find a way to jump off the page. By shifting from a generic stock photo to using a very small image of the actual location, users had a much higher interest. Tip: make this just small enough that people have to visit the page for better visibility.

2. Advertised Location: From Ryan’s first ad, we find out that using “Central Pa” in the copy was far too broad. Therefore, it helps to keep your Facebook real estate marketing as targeted as possible. Especially when utilizing the “Where In” concept, people are much more likely to guess at something if it falls within their local area.
3. Demographics: Finally, by changing the targeted demographic from “within 10 miles of York” to just the city, we were able to cut our audience by about 35,000. This helped to remove those irrelevant impressions without sacrificing our reach.

Critical Facebook Ads CTR Benchmarks

Now, Josh will show you more of the nitty gritty below, but here are just a few important factors that you’ll want to keep in mind when running tests for your Facebook real estate marketing:

1. Cut out any advertisements that fall below a CTR of .025%
2. Continue split testing whenever you are between .025 and .05%
3. Anything above the .05% benchmark is great, and over .1% is absolutely bananas

So, click play below to watch this case study and discover how we achieved a CTR of over .2%…

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

How We Improved Our Facebook Ad’s CTR by 2,000%

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

Crazy, crazy, crazy. One of the agents in my office recently got an assignment for an REO. How exciting!. Agents love REO assignments, and this wasn’t his first.

Here’s the crazy part: When I was going over the paperwork, I noticed that the property had been foreclosed upon by the lender in 2008. I couldn’t believe it, so I actually asked a title company to double check that date for me. And, yes, it was true.

So, here’s the clincher: the property is still occupied. (Talk about livin’ large; that’s three years without making a payment on anything except utilities.)

In our constant mumblings and grumblings about the distressed property market, we always talk about the famed shadow inventory. We wonder when the banks will unleash the shadow inventory of REOs on the world and we also wonder how that will impact the housing market.

Recently, I’ve heard rumors that the banks are going to be selling their inventory in bulk. And, there are public discussions about the plan to convert these bank-owned properties into rentals. (Talk about a field day for property managers.)

But, I digress. It seems to me that allowing individuals to live in properties for years at a time probably isn’t a good thing for our national economy. That being said, with all the money that those folks I mentioned saved in rent, they were able to help infuse our local economy with more hard, cold cash—shopping at Target, going to the movies, hitting the malls.

So, what’s the world coming to? Is it better for the economy for banks to hold these properties back or rent them out? Or, is it better for sellers to avoid foreclosure and sell their properties in a short sale?

What say you?

Photo: flickr creative commons by respres

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

What’s Going on in REO World?

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

Did you realize that you could currently be sitting on a mound of cash for your business? Leads that are literally ripe for the picking? And in fact, most of your competition is probably not taking the necessary steps to liquidate this real estate marketing goldmine into consistent closed transactions.

What I’m referring to is the power of email marketing. You may have heard that the money is in the list, and this is definitely true to a certain degree. However, the flip side to this statement is that real profits are in how you choose to incubate and covert those leads into business over time.

This is the most common error that real estate professionals can make when it comes to using email. In fact, I have personally witnessed more missed opportunities than I would like to admit of people who spent loads of time and money building up their funnels, only to never truly follow up post opt.

When utilizing this real estate marketing tactic, you may come across varying reports of how often you should stay in touch with your readership. Regardless, consistency is key. Truthfully, we have discovered that when our clients submit at least 2 emails every week, they experience a much better response, less spam complaints, and higher conversion rates than if they only chose to do so sporadically.

Of course the answer is in how you balance this. Each niche and market may be slightly different, but the principles remain relatively the same. Find a pattern that seems to fit your audience best, and then provide them with exactly what they are looking for on a consistent basis.

Here are 4 More Tips on How to Have Great Success with Your Email Campaigns:

1. Pretend You are Writing to Your Best Friend: I cannot stress enough how powerful this one real estate marketing tip is alone. Imagine the loads of emails and junk that your audience is receiving on a daily basis. Simply by creating copy that seems real and genuine instead of formulaic will greatly improve open rates. Both in the subject line and body, find ways to stand out from the crowd and sprinkle in some humor or unique spins once in a while.
2. Include Calls to Action: Always have some form of a call to action in the body of your emails. This should be something that will get your audience to engage with the material. Whether it’s trying to get an interested buyer to look at a house or simply to check out your newest post on your real estate marketing blog, find a way to get people interacting. Be sure to include this several times throughout the body of your content for best results.
3. Keep it Simple: Any email content we create for our own campaigns is always clean and simple. Instead of messing with all types of banners, colors, and other distracting features, we just use plain Jane text. Having too much can take your prospect’s attention off of what’s most important…following through on your calls to action.
4. Ask for Referrals: Finally, always remember that each person is in a different stage of the buying cycle. Therefore, it is unreasonable to think that everybody is a true prospect. This is the group of people that may need to incubate for some time. So, be sure to include something like the following whenever you are featuring a property:
   

   Not ready to buy but know someone who is? We have plenty more properties just like this! Please feel free to pass this message along to friends or family. (you get the idea)

These are just a few great examples of course. Do you know of something that has worked really well for your own real estate marketing campaigns? Please feel free to share below!

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

4 Tips for Creating Killer Real Estate Marketing Emails

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

“If you think education is expensive, try ignorance.” – Unknown

Your first real estate investment should be a solid financial education

If you are like me, you’ve probably made a few mistakes in your investing career. Every successful real estate investor has made plenty of them. However, you can limit your mistakes and increase your odds of success by building a strong real estate investing financial education.

My biggest investing mistake happened because I didn’t know what I didn’t know. I didn’t have a team around me with experience to guide me away from danger and it cost me in both time and money. But that is a story for another day. Today, with all the education available, this does not have to be the case. You can limit your mistakes and make more money in real estate investing by having a solid real estate investing financial education.

On the flip side, by learning a few things at a seminar we attended, we were able to immediately apply what we learned to turn a potential disaster into a real asset. For example, we turned a potential $ 75,000 environmental mess on one of our properties, which was preventing us from being able to sell it, into a property we could sell, had a government program clean up the mess, and made a $ 125,000 profit. What was that seminar worth to us? Well… about $ 200,000 on that deal, and the event cost less than $ 1,000. Talk about return on investment.

Below are 4 things you can do today to start building your real estate investing.

Become a student of the industry. If you want to be successful in commercial real estate, read everything you can on it. If you want to be a successful multifamily investor, subscribe to newsletters and read blogs on multifamily real estate investing. There are numerous free information sites available including blogs, free reports, and industry publications. After that, buy a few really good books on the industry. It’s amazing how much information you can pick up that you can apply to your business.

Pick an area and focus. There are 100+ different ways to make money in real estate. Every guru has a system for making money. From short sales to flips to long term apartment investing, you can make money in any of them. However, you won’t make money in any of them if you don’t focus. Pick an area and be the best in it. Don’t spread yourself too thin always trying to find the next best thing. Real estate investing can be hard work. By picking an area and focusing, you will increase your odds of being successful. You can always try new things once you’ve started making money.

Find a mentor. The fastest way to take your investing to the next level is by finding a mentor in the industry that you can learn from. They can help you cut the learning curve dramatically. Find someone who is willing to teach and share with investing experience that can guide you along the way. A mentor can be instrumental in helping you take your investing career to a new level. They also have the experience you need to help you avoid major mistakes.

Invest with Experienced Investors. If you aren’t ready to go out on your own just yet, invest with experienced investors in the area you would like to be in. It’s a great way to learn hands-on while earning a return on your investment along the way. Investing with others will allow you to experience the entire investment process without trying to do it all yourself before you are ready. You will be able to walk through the properties. Look over how they evaluate properties. You can also view the offering materials and find out what makes a good investment. Review the monthly reports and learn the important measurements of successful real estate investments. Just be sure to do your homework before investing.

Building a solid real estate investing financial education is one of the best ways to limit costly mistakes in real estate investing. It will also help you make better investment decisions and in turn, more money. Education doesn’t have to cost a lot of money, but I can guarantee you this: whatever you spend building your investing education before investing will pay big dividends once you start investing.

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

4 Ways to Build a Strong Real Estate Investing Financial Education Today

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

Yes I know, I am treading into a debate which in all likelihood would cause a real brawl if discussed over a few beers, but that is not my intention.

My intention is really simple. Is today’s market a better market to be investing for appreciation or for cashflow? In some markets the answer might be BOTH, but I doubt it!

I am constantly discussing goals and objectives with new and experienced real estate investors and invariably the discussion turns to appreciation or cash-flow when it comes to income producing properties.

Now I realize that if you are an investor in California, one of  your primary strategies before the housing market crash might have been to purchase a rental or two, not caring about positive cash-flow — all you had to do was own the property for a year or two, and its value would increase by an amount greater than your negative cash-flow.  That might have been a great plan, but guess what?  When the market turned downward, property values declined significantly and all you had was negative cash-flow, feeding the beast. Praying for appreciation didn’t seem like such a good deal.  Did it?

Here is the number one rule every investor much live by every single day:

You Profit When You Buy!

I know this may not be new to you, but here is what I have learned this rule really means. When I mention that you must “profit when you buy”, what I mean is “You must purchase the property at a price that will ensure your profits based upon your ability to execute your exit strategy to extract that profit from the deal” and, in the case of rentals, you end every month with positive cash-flow and lots of it!

And guess what? If you are investing in hopes of appreciation, it is the only thing that you have any control of influence over.  (Note: I realize that forced appreciation, possible in the commercial property world is very doable in any market, but this is not the appreciation I am referring to.)

In fact, investing today with appreciation as even a second or third objective is extremely risky!

Let me explain.  In most markets today the housing market has not hit the bottom.  Values have been bouncing around near the bottom and in a few markets there might be some appreciation, but it has not been consistent.  To further complicate matters, most markets are expected to decline up to 5% throughout the remainder of the year.

If you were to invest with appreciation as any of your objectives the first question you have to ask is this.  Where do I start my baseline?  At the purchase price, which would be the most reasonable place to start or wait until my market has hit bottom and start there.  Then suppose that this is your course of action. What could you expect future appreciation to be in the coming years?  Assuming that you would realize some level of appreciation over 5 to 10 years, what amount of positive cash-flow would you require to make this investment worthwhile?

The reality is you can’t predict when the bottom will be hit or how much lower it will go nor can you predict what appreciation will be in the future nor as stated above can you control or influence it!

However, here is one thing that you can control and influence.  In fact, you can, with reasonable accuracy develop and execute a business plan that will yield consistent cash-flow by just focusing on the cash-flow.

The bottom line is that appreciation may sound sexy, but remember you can’t control it!  You can only control your cash-flow assuming of course you bought it right!

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

Appreciation or Cash Flow — Which is Better?

Real Estate Investing For Real | A BiggerPockets Investment Property Blog

I was recently contacted by a well-known real estate guru whose name you would instantly recognize. I’d never spoken with him before but apparently he got my phone number from a mutual friend.

This guru told me he had a big project in development and wanted me to be part of it. But first, he wanted to know how I was making money these days and what I was personally doing. I told him that today I was doing a lot of subject-to’s and that I was trying to acquire a lot of rental properties to hold onto for the long term.

After all, the real estate market is still in the tank in many places and you can pick up bargain rental properties and just sit on them until the day you die. In fact, that’s the dirty little secret that nobody wants you to know.

The “Not-So-Secret” Formula to Wealth: Build Your Rental Portfolio

If you really want to become wealthy as a real estate investor you need to own multiple (quality) rental properties and you need to pay them off over time until you own them free and clear. That way, when you retire you’ll have a nice “pension” of $ 10,000 or more coming in every single month thanks to your properties.

Anyway, when I told the guru this is what I was personally doing these days he said “ohh” and there was a long silence. I was then informed it wasn’t “sexy” enough and that he didn’t think I’d be a good fit for his project. I told him I understood, but that’s what I was doing.

Don’t Forget: Gurus are Marketers

I realize he makes his living selling courses and boot camps and to tell you the truth, I have no problem with it. If people are willing to pay up for his material, then good for him.

However, I do not make my living selling products, therefore I can tell you the truth of what works in real estate without the worry of losing sales or not appearing “sexy” or even without the worry of offending people, because I don’t really care.

Because I know that if you accumulate a “buy and hold” portfolio of just 10 properties… and if you pay them down over the years with money from your other deals, then you’ll have enough income coming in to live a very comfortable life.

It may not be sexy, but at least it’s true, and at least if you follow it you won’t be broke in retirement like far too many Americans.

Photo: dantwohundred

This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved.

Why The Real Estate Guru’s Don’t Want Me Talking

Real Estate Investing For Real | A BiggerPockets Investment Property Blog