Cashflow Blog

Are you having a hard time selling you house? Has you house been on the market for months without a buyer that can qualify for a mortgage. Today banks have basically closed the door on many mortgages, it’s harder for a buyer to get a mortgage which leaves the investor stuck with a property, they can’t sell and paying the monthly holding cost.

I’ve talked to a number of investors recently that are in this predicament, hoping and wishing that their realtor for find a buyer. Well in todays market you have to make every option available and an often overlooked strategy is seller financing. Basically you hold the note, either for cash flow (which can be better than rent and removes you from having to maintain the property) or to immediately sell the note and get your cash.

Seller financing is not new, in fact before the securitization of mortgages (basically before mortgages where bundled and sold in buckets to investors worldwide) many homes wher sold with the seller holding a note. The note as usual is completely secured by the property so the risk is about the same risk the bank assumes (assuming you did your due diligence).

Anyway, when you do the math on the seller financing, it isn’t bad (I have a Youtube Vide that shows the math) or you can sell the note at a discount to a note buyer (we can help there).

Here is what you (the investor needs) to sell the note

• Pricing Request Express Worksheet
• Appraisal – preferably within past 60 days (if available)
• A zip file or web link containing least 15-20 interior and exterior digital photos of the property
• Description of property (Realtor listing preferable)
• Description of major improvements in past 18 months, if any (Spreadsheet preferable)
• Accompanying receipt/contractor bill breakdown for each major improvement
• A copy of the original purchase contract
• Copy of title with legal description

Here is what you need from the buyer

• Copy of Buyer’s Driver’s License
• Typed 1003 in PDF format
• Credit report within past 60 days (if available)
• Bank or Securities Statement showing 5% funds available for down payment
• Signed Purchase Contract
• If buyer is an investor, pre-leases signed by tenants for any non-owner occupied units

You basically have the realtor list the property and in the notes include that the you are willing to accept seller financing and then you advertise the property as “Seller Financing, Avoid banks, Credit Checks etc), (If it where me, I’d handle the online advertising) (we can help)

The worst that can happen is the same thing thats happening now, the second worst thing that could happen is you get a list of potential buyers and one may qualify for normal financing and the best that could happen is the damned hose is sold and you get your money. In any case at least something happened.

What’s the definition on insanity (Doing the same thing over and over and expecting a differnt result) do something different

Dedicated to your success and let me know if I can help

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Having a Hard Time Selling Your Property - Offer Seller Financing

Use your Home Based Greeting Card Business System to take advantage of the tax breaks that can be available to owners of a home based business while you create additional household income and  financial security. 

Did you know that Greeting Cards are a $7.5 Billion Industry? How about the fact that the average American buys 10 card per year, but actual could be sending over 50 cards per year?  Did you know that two of the biggest reasons they don’t purchase or send the extra cards is the inconvenience or they just forget? Your Greeting Card System helps to eliminate both of these problems and more. You can offer your customers the online convenience of 24/7 shopping and thousands of cards to choose from. The system comes with a built in reminder system that reminds them 7 days in advance of an upcoming occasion. They can create custom cards, include pictures and captions, send campaigns and so much more. All this for about ½ the price of a store bought card. Than you can add the fact that they just choose the card and add their message and the rest is done for them. Their card is printed, stuffed, addressed and mailed with a first class stamp for them. It just doesn’t get much easier than this. 

Is it time for you to get started? 

A home based business also provides multiple tax breaks that are not available to the regular home owner. You will be able to deduct all or part of such expenses as computers, telephones, electricity, heat and other utilities. You can deduct your business expenses such as advertising and marketing costs, office supplies. equipment costs and more. Don’t lose out; make sure your business qualifies so you can take full advantage of these tax breaks. 

Changing Lives, One Card at a Time

Dave

763-389-4064

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Advantages of an At Home Online Greeting Card Business

Chocolates, candies, cookies, coffee, tea, nuts and more. Your home based Greeting Card System has all these gourmet gift items that can be mailed right with the cards. There is also a choice of several different gift cards.

What a great tool for both your retail and business customers. Not only can they reach out and touch someone with a heartfelt card, they can also include a delicious gift. And the work is all done for them. They just choose the gift item they would like to send and it is packaged and mailed for them and sent with the card. It just doesn’t get any easier.

And its fun….these cards are filled out on the internet, but a real card goes out in the mail (no, you don’t print it yourself). Plus, it only takes a few minutes to send one. Just pick a card, type your message and hit the send button. The card is than printed, stuffed, stamped and mailed for you. 

Contact me for more information 

Try it out (Valentines Day is Feb. 14^th / send a free card) 

Changing Lives, One Card at a Time
Dave
763-389-4064

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Online Greeting Cards and Gourmet Gifts

A great way to increase the income from your at home business is to show other businesses how to become senders of cards. One of the most important things any business needs to do is let their customers and clients know that they are appreciated. A rewarding way to do this is by sending greeting cards. They can send a card to say Thank You, we Appreciate your Business, Happy Birthday or any other special occasion that may come along.  

With over 10,000 cards in the card catalog they will be able to find a card for any occasion.  But one of the Key Features of the online card system is the ability they will have to create a custom card for their business. They can create a card with their logo, company slogan, a picture of the business or product, or the employees. The limit is their imagination. They can send a card to show their customers and clients not only their gratitude but use the card system to *increase sales *establish new partnerships *gain a competitive edge *eliminate cold call prospecting *reduce advertising costs*enhance customer loyally * and more, Much More.   And it can all be done right from their computer with a click of the mouse. The Importance of Relationship Marketing  

Changing Lives, One Card at a Time

Dave
763-389-4064

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Work from Home and Earn Additional Income by helping other Business’s Create Custom Cards.

 

   What would you say if your Greeting Card Business could operate 24/7 from any computer with internet access? What about a Greeting Card system that has thousands of cards to choose from and also allows you to make custom cards. Add the fact that your customers choose the card they want to send, add their personal message (in their own handwriting if they like) insert the address and hit send. The card is than printed, stuffed, stamped and mailed for them. All of this for less than $1.50 per card.

   That is only the beginning.  You can insert gifts, gift cards and checks into any card you send. You can do your card weeks in advance and set your mail date for the appropriate time. You can set up a campaign and send hundreds of cards in just minutes. The card system comes with a contact manager that tracks birthdays, anniversaries and other important dates and than sends you a reminder 7 days before the important date.

   As I said in an earlier post the options are endless both for retail and business customers.

 

Take the first step and send a free card.

 

Changing Lives One Card at a Time

Dave

763-389-4064

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Online Greeting Card Business