No Money Down

Non Recourse
Credit Partner
Private Lender

MID-AMERICA ASSOCIATION OF REAL ESTATE INVESTORS

Investment News
NETWORKING : EDUCATION : COMMUNITY February 2011

No Money Down:
Can you really do no money down
deals in this market? Page 8

Rehabbing:
When should you start looking for
a new contractor? Page 10

Non Recourse:
How can you leverage your IRA to
do more deals! Page 12

Private Lending:
The Key to Profits! Page 14

Live Workshops:
4 Week Rehab Pgs 20-21

Self Storage Investing

Certified Renovator RRP

Financing with NO Banks

 February Meeting
Financing Alternatives
Through Partnering

Spencer Cullor
Of Cullor Investments
And How to Dominate Your Investments in 2011!

Are You Ready to Discover How to Do Deals in 2011?

Don't miss this Unique Monthly Meeting in February!

Are you tired of struggling to find funding?

Are you scared you might never find bank funding again?
Have you already lost a deal because of lack of funding?
Does the hectic pace of finding a deal, just not fit in your life today and leave you feeling overwhelmed?
Do you ever scratch your head and wonder what you can do to really change your financing options for the better?
Do you want to live a life filled with successful investments?
Or are you "on top" now and desperately want to know how to do more deals in today's economic conditions?

Well, if you answered yes to any of the above, this is definitely going to be the most important event of the month!

Spencer Culler is joining us to share his Top Investment Strategies he uses in his commercial investing to put together accred-
ited investors funding with profitable investments. Concepts you can use in your own investments in 2011 for:"
Investing in Houses
Investing in Apartments,
Investing in Commercial,
Or Becoming an Accredited Investment Partner!
And Dominate Your Investments in 2011!
Plus our Business Associates in the
Vendor Hall
North American Savings Bank Interested in learning
Accurate Title Company more about creative fi-

November Meeting

Speed Networking

Back by Popular Demand

nancing? Be sure to at-

Page 2 MAREInet.com
 Contents
MAREI News
In This Issue
February Meeting 2
MAREI Staff 5
Notes from Director 6
Member Pics 7
No Money Down, Can I do that? 8
Contractors When to look for a new one. 10
Non-Recourse & Self Directed IRAs 12
Private Lending, the Key to Profits 14
Economic Update 16
Self Storage vs Residential 18
Live Workshops 20
Calendar 22
Investment Opportunities 24
Lead Paint Laws 26

Features ‫ ׀‬February 2011

Are you look- New Lead Advertiser’s Directory

ing for new Paint Laws

Advertise w/ MAREI 4 Accurate Title 15
ways to fund went into ef-
fect April 22, Commercial Sub Group 9 Realty Resource 17
deals. The
2010. Viola-
8 new and im-
proved no 26 tion could
mean $1000s
Free Trial Website
Te-Tee Light
11
11
Self Storage
MAREI Workshops
19
20
money down in fines. Do
you need to Leverage Your IRA 13 kcmoHomeBuyer 25
technique?
worry? Constant Contact 13 Eric Deeter 25
Rockstar Investor 15 Home Depot 25

Investment News Page 3

 MAREI
Notes
Contact Information
PO Box 8685, Prairie Village KS, 66208

Phone: 816-523-4400 x 222 Fax: 816-523-4440

Our Mission Statement

Mid-America Association of Real Estate Investors is dedicated to promoting ethical real estate in-
vesting and to protect and promote the best interest of our membership through educational and
networking opportunities as well as community, legislative and public relations.

Legal Disclaimer
MAREI does not exist to render and does not give legal, tax, economic or investment advice and
disclaims all liability for the action or inaction taken or not as a result of communications from or to
its members, officers, directors, employees and contractors. Each individual should consult his/her
own counsel, accountant and other advisors as to legal, tax, economic, investment and related
matters concerning real estate and other investments.

Content Disclaimer
The views and opinions expressed by authors of articles contributed to this newsletter do not neces-
sarily reflect those of the association, the board of directors or the staff.

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 MAREI
Staff

Kim Tucker 816-523-4400 Don Tucker 816-523-4400 Steve Burns

Director President Audio Visual
Kim@MAREInet.com Don@MAREInet.com cashflowtreasures@gmail.com

Bertie Janssen John Welchert Larry Prato

Meeting Ambassador Meeting Ambassador Commercial Subgroup
Bertoe@janssenrei.com 816-268-3849 913-227-4693

Dan Goodwin 913-642-5218 Shelda Goodwin Frank Janssen

Meeting Ambassador Meeting Ambassador Creative Financing Subgroup
DanGoodwin@kw.com SheldaGoodwin@kw.com 816-865-6514

Investment News Page 5

 Director’s Notes
Every week it seems I get a call from an investor who
needs some ideas on how to finance a deal. I get
questions like who are the hard money lenders?
Can you tell me the name of a few private money
lenders? Who are you using for lending? Are banks
lending money?
First, yes banks are lending money, but you do need
to meet some steep guidelines. I just spoke this morn-
ing with Matt Allen with North American Savings Bank
who is offering some very interesting loans to people
who are using their self directed IRA to invest. His
guide lines pretty much line up with most banks regu-
lar investor loans . . . (1) only lending up to 70% of
Value, you have to put down the remaining 30%, (2)
you need to have money in reserves
to cover several months of payments,
(3) preferably needing minimal to no
repairs, (4) minimum of $50,000 loan
usually. He is making non-recourse
loans meaning he is not looking at
credit. But other lenders are probably
going to add a fifth requirement of
good credit.
Second, I can’t help you with a hard
money lender right now as I don’t
know of any personally, if you know of one, please
enlighten me.
Third, a Private Lender is be definition Private and will
be a person the borrower knows and is lending based
Snow, Sleet, Rain, Ice . . . We have seen more than enough of this to
last the rest of the year. But should we have more on meeting day, be
sure to check the web site for cancellation and reschedule!
Page 6
on their knowledge and relationship with the borrower.
So understand that me giving you names of my private
lenders will do you no good unless you have the same
relationship with them that I do. You need to go find
your own private lenders.
Which brings me to the monthly meeting in February.
MAREI member and Local Investor Spencer Cullor
buys commercial properties. To do this he forms part-
nerships with private lenders or money partners and
credit partners and other partners. These partner-
ships look at potential investments and invest together
to the mutual benefit of everyone.
Now you might think, but I am doing single family
houses, how will that help me? Well the concept
works, no matter how many zeros are in the deal.
Spencer works with larger deals, but you could do the
same with any type of real estate transaction.
To that end we have asked Spencer to come explain
his process and to share how you could apply it in
other real estate areas. He will be speaking at about
7:30.
Please come early as we should have several Busi-
ness Associates with their vendor tables set up . Be
sure to stop and talk to Matt with NASB as he has a
brand new book out and he will have info on how you
can get your own copy . . . FREE!
Kim Tucker
Director of MAREI
MAREInet.com
 Get Involved
We are looking for a volunteer to help us with
taking photographs at the monthly meetings. If
you have a digital camera and can attend the
monthly meetings regularly, this would be a
great way to get to know the members.
Volunteers receive discounts on Membership
and or Outside Training Events.

For more information on becoming a volunteer,

Contact Kim Tucker, Director,
At info@MAREInet.com or call 913-208-3544

Investment News Page 7

 Spencer Cullor
Cullor Properties, LLC
www.Cullor.com
No Money Down
How Can I do That?
Can you really do all of your deals “no money
down” (to you), regardless of the market?
Have you ever walked into your local bookstore and
looked in the Real Estate section to see what types
of books are out there? I did this last week, and it
seemed like half the books there were about how
you could find motivated sellers to do “No Money
Down” or “Seller-Financed” real estate. It seems
like half of the different real estate guru webinars
I’ve sat through with over the last two years talk
about finding deals with motivated sellers and nego-
tiating for terms such as the seller holding a note,
master leases, no money down, and how I could
find them too, no matter if I was flipping, wholesal-
ing, buying to hold, etc.
As I sat through these webinars and sifted through
the books I wondered to myself, with all this informa-
tion out there about “seller financing” and doing
deals “no money down,” are there really sellers out
there that will finance my deals, and can I really do
deals without any money? Have sellers heard of
this? What can I use as my competitive advantage
so that I get the best deals?
I also wondered, why would a seller offer his prop-
erty no money down or seller-financed? Are they
trying to get a price that they know the property
won’t support, but know that someone will overpay if
they offer seller-financing? Have they already of-
fered their property to all traditional investors and
were unable to sell it based on the fundamentals of
the deal, and are now so desperate to unload this
property at the price they need that they are willing
to risk financing me to get it sold?
Are there good seller financed deals out there?
Yes, I know plenty of investors that have purchased
Page 8
them. The problem is that most people who are
stuck trying to find that perfect seller-financed prop-
erty get burned out because they have to search
through so many to find not only the right property,
but the right seller that will work with them. They
either get frustrated and never do a deal or do one
deal and never do another. It’s just too hard, isn’t
profitable enough, or they get into a bad deal that
they can’t get out of because they fell for the “seller
financing” lure.
By this point, you’re probably starting to ask, “Well
Spencer, if I don’t have money or credit and can’t
find a good seller-financed deal that stands on its
own merits, how can I close on the opportunities I
do find? How can I turn the most desirable opportu-
nities into acquisitions regardless of seller financing
being offered?” Don’t worry, I asked the same
questions myself several years ago.
Thankfully, I found a very savvy and successful in-
vestor who showed me the ropes and taught me
how he buys highly desirable properties at market
rates all over the country, making great returns and
doing all of his deals “no money down”…. to him.
He explained to me that he had noticed the “no
money down trend,” but found his own competitive
advantage after getting very frustrated chasing op-
portunities. He found a way to turn a traditionally
financed deal into a no money down deal, to him, by
using partnerships. “You see,” he told me, “just be-
cause you’re offing the seller a 20-25% down deal in
a traditional way, doesn’t mean that it has to be your
money.” In fact, he told me about how he gets paid
to do deals without any of his own money by using
his partners’ resources such as money, expertise,
(Continued on page 9)
MAREInet.com
(Continued from page 8)
credit score, financial statement, etc.
He virtually eliminates half of his
competition (those seller-financing
buyers) right off the bat by offering an
attractive offer that meets most sell-
ers’ criteria. By taking the financing
off the table, he can then evaluate
the opportunity based on its funda-
mentals and does not have to worry
about finding flexible sellers. This
allows him to broaden the range of
opportunities he evaluates.
Believe me, there are people out
there who are willing to partner with
experienced real estate investors
who demonstrate real knowledge and
the ability to locate and evaluate solid
deals.
You see, your real estate knowledge
and experience is valuable and there
Investment News
are people all around you with money
who need to invest it in low risk deals
offering solid returns, but don’t know
how to put together a deal or evalu-
ate them in a meaningful way. They
might know that real estate investing
is a good way to make strong returns,
but they don’t know how to find prop-
erties or evaluate them. This type of
investor needs your experience to
help them make safe real estate in-
vestments, and they’re willing to in-
vest with you for your expertise.
I truly believe that partners are by far
the fastest way to help you reach
your goals this year. They can give
you a real competitive advantage in a
very competitive market, and can
open up many more potential oppor-
tunities to you.
To learn more about partnerships
and how they can help you grow your
business this year and make every
deal you do “no money down” to you,
please come to the MAREI meeting
on Tuesday, February 8th, where we
will be discussing various topics re-
garding working with partners includ-
ing: types of partnerships, deal struc-
turing, how to protect yourself and
your partners, what your should pro-
vide your partners, and how to stay
legal and comply with SEC rules and
regulations, just to name a few.
Bring your questions and your note-
book, and we’ll see you there.
Spencer Cullor is the Director of Ac-
quisitions for Cullor Properties, a pri-
vate real estate investment company
specializing in cashflow-producing
multifamily communities across the
Midwest. For more information about
Cullor Properties, please visit
www.cullor.com.
Date & Time:
Wednesday
Feb 2, Feb 16, Mar 2
5:30—7:00 pm
Location:
Panera Bread
103rd & State Line
Cost:
No Charge to Attend
Please support Panera
Page 9
 Donald Tucker
kcmoHomeBuyer.com
816-523-4400
Contractors
When to look for a new one
When is it time to look for a contractor? When
you have only one to choose from. The need to
look for a new contractor is not only for the begin-
ner, but the seasoned investor as well. Speak-
ing for myself, my contractor I used for 10 years
moved out of town to work in his family business.
My existing contractor decided to take a vacation
out of the country for 6 weeks. This is no way to
run a business, when you have a house to rehab,
and no contractors lined up. My example points
out the importance of having back up contractors
to bid a project, and more importantly work the
rehab.
Networking is a good way to ask around about a
good contractor. You are looking for someone
who has worked with a contractor and has had a
good experience. Ask what the contractor did for
them, and if there were any problems completing
the project. If this all sounds good, then get on
the phone and call them and conduct your inter-
view.
Ask the contractor his companies name, how
long in business, does he carry workman’s comp
insurance. Does he have a license in the certain
cities you renovate. For example Kansas re-
quires a license for a contractor, and certain cit-
ies require a license too. Prairie Village is a city
that requires a license from the contractor, along
with the Kansas License. Is he Lead based
Paint certified (see add about Lead Certification
in this Months Newsletter). What kind of work
does he specialize in. Does he work as a gen-
eral, or does he sub-contract out all his work.
Page 10
How many employees does he have on staff?
These are a few good questions to start with be-
fore meeting at a job site and asking for a bid.
An on site meeting at a house your looking to buy
is a good place to start. This will be your most
important meeting to get to know your contractor
and if you can work with each other. Have a good
idea of what you want done in the house for your
rehab, always allow him to give suggestions and
let him tell you his recommendations. A SOW,
Scope of work, would be helpful at this stage of
inspections. Prepare to leave him a copy to take
with him while he prepares the bid. Ask different
ways you can save money and still have quality
rehab. Let him know what your intentions are for
the house, either a rental house or you want to
sell to a retail buyer. There can be a big differ-
ence in price.
After you receive the bid and you both go over it
and it looks reasonable, and in general you can
live with the numbers, it’s time to see his work. I
have asked where he’s working now, and if I could
stop by on a certain day to see the job site. He
should always agree and set up a time. Keep in
mind what you’re looking for when you walk into a
strange house and what stage he is in. There are
times I have seen that the house looks a mess. I
look for the flow of the workers, and in general the
condition of what they are working on. What has
been done, and what stage are they moving into.
In other words, “Order of repairs” is important be-
cause it shows me he knows what he is doing. At
(Continued on page 11)
MAREInet.com
this point you have to have a gut
feeling for the contractor, and if it’s
good, then proceed on working
together, and leave communica- Articles Wanted!
tion open at all times. If you have Share Your Knowledge
a bad gut feeling, maybe it’s time
to start over.
This is just one of the topics I am
going to be discussing at my Four Your Complete Website (including hosting) is just
Week Rehab Class on Saturday
February 19th. Please see the ad
$39.90 per month
in this newsletter or check the plus a one-time initial setup fee of $39.90
MAREI calendar of events for
more information!

About the author. Donald Tucker

with kcmoHomeBuyer.com has
been buying, rehabbing, and sell-
ing houses in the Kansas City
metro since 1999. He has over 30 www.FREETrialWebsite.info
years of experience in the con-
struction industry from new home
construction, Section 8 Inspector,
to Environmental. Risk Free - No Obligation - No Credit Card Required!

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Investment News Page 11

 Matthew Allen
North American Savings Bank
Www.IRALending.com
Non-Recourse
Self Directed IRA
What is a Non-Recourse loan?
A Non-Recourse loan is one in which the IRA/SEP
account holder is not personally liable for repayment
of the loan. The security instruments allow no re-
course against the individual account holders or the
balances of your IRA/SEP funds. In the event of de-
fault/foreclosure the lender can only look to the prop-
erty as the sole source of repayment. The non-
recourse lender cannot pursue other assets owned
by the account holder or the IRA.
Who is eligible for a non-recourse loan using
their IRA to purchase rental/investment proper-
ties?
Anyone who has at least 30%-35% of the purchase
price vested in a self-directed IRA/SEP has the op-
portunity to buy rental properties using a non-
recourse loan. This is subject to loan approval, in-
cluding an acceptable real estate appraisal, as deter-
mined by North American Savings Bank.
How do I set up a Self-Directed IRA account?
Our website offers a list of self-directed IRA adminis-
trators who allow non-recourse loans. Please con-
tact one of the administrators for more details. NASB
does not represent or endorse any of these compa-
nies nor do they represent NASB. Please perform all
prudent due diligence before setting up an account.
www.iralending.com
What is the minimum down payment require-
ment?
30% of the purchase price is the minimum required
for a non-recourse loan. Insufficient cash flow or the
condition of the property may require a larger down
payment.
In which states can I purchase rental property
using my IRA?
North American Savings can finance eligible property
with non-recourse loans in all 50 states.
What is the processing time frame for a non-
recourse loan?
Page 12
Allow at least 45 days from the date we receive your
loan application and your purchase contract.
What type of loan programs are available?
NASB offers a 5 year ARM and a 25 year fixed.
NASB does not offer an interest only loan for the non
-recourse financing.
What types of rental property are eligible for
NASB’s non-recourse financing?
Single family detached residential, warrantable
Condo’s, PUD’s, duplexes, 4-plexes, and multifamily
(5 or more units).
Ineligible Properties Include:
Residential with large acreage, raw land, farms, rural
properties, manufactured or log homes, *non-
warrantable condos, Condo- Hotels, Co-ops, Time
Shares, hotels, senior or assisted living facilities, non
-franchise restaurants, entertainment properties, min-
istorage, and commercial property.
*Condominiums: Condos must meet the following
minimum criteria to be considered Warrantable. The
project building must be 100% complete, including
common areas. The units within the building must be
60% sold and 33% of all building units must be owner
occupied or 2nd homes (versus tenant occupied).
Condos not meeting these criteria are not eligible
under our non-recourse program.
Can properties be held in a LLC?
Yes. Discuss the LLC structure with your legal/tax
advisor or an IRA/SEP administrator.
What are the income requirements for rental
property?
Typically, the financed property must generate suffi-
cient Net Operating Income (rents minus operating
expenses) to exceed the debt payments by 20–25%.
How can I apply for a Non-Recourse loan?
Visit our website at www.iralending.com, print and
(Continued on page 13)
MAREInet.com
complete the application then fax to
913-339-9530.
LOAN OPTIONSFamily
(*DSCR: Debt Service Coverage Ratio
= net operating income / annual debt
service. Minimums listed above rep-
resent the loan amount.
NASB offers a unique financing pro-
gram designed for the non-recourse
financing requirements for IRA invest-
ments, and the application process is
easy. Loan approval is generally
within 48 hours of receipt of a full and
complete application, and is subject to
appraisal and verification of IRA funds
for closing.
NASB will quote interest rates on a
case by case basis, on the basis of
the collateral type and down payment.
The following fees (fees subject to
change without notice) and costs ap-
ply:
1. ___Origination fee to NASB (based
on loansize, property type, and excep-
tions)
2. $385 Underwriting fee to NASB
Self Directed IRAs
For more Info
See webinars on
The MAREI Calendar
With Matt Allen on Leveraging
your IRA with a Loan
And Edwin Kelly from Equity
Trust on Self Directed IRAs
Investment News
3. $310 Processing fee to NASB or LLC.
4. $16 Flood Certification fee 5. Acceptable real estate appraisal for
the property to be financed. Appraisal
5. $510 Appraisal fee (including rent
fee required at the time of loan appli-
Comps) – Due at time of application
cation before NASB will order the real
6. $_____Settlement/Escrow fee estate appraisal.
7. $_____Title Insurance
8. $_____Recording fees
9. $_____Mortgage Registration or
other state
fees (if applicable)
10. $_____Prepaid Interest and
taxes*
11. $_____Initial Hazard Insurance
Premium*
12. $200 Attorney Review Fee
* Escrows for taxes and hazard insur-
ance are required. Additional costs
may be incurred for commercial and
multi-family properties.
Documentation Required for Loan
Approval:
1. Completed loan application- visit Be sure to look for Matt Allen from
www.iralending.com for a copy. North American Savings Bank during
our Vendor Hall at the February Meet-
2. Current detailed Rent Roll or copies
ing to find out how you can get your
ofsigned leases (leases or rent roll
copy of his book: Leverage Your IRA.
forcurrently unoccupied properties are
notrequired). Visit their website and blog for more
information at
3. Most recent asset statement verify-
ing IRA assets for purchase and re- www.IRALending.com.
serves.
4. Purchase/Sales contract, signed by
the IRA account holder and the ad-
ministrator. The contract must show
the buyer to be in the name of the IRA
MAREI has part-
nered with Constant
Contact this month
to bring you a Cal-
endar Packed full of
Training Webinars
on Email Marketing.
www.MAREIandCC.info
Page 13
 Alan Cowgill
www.AlanCowgill.net
Private Lending
Key to Profits
Most people don’t realize it, but obtaining money for
real estate deals has nothing to do with saving money
for a down payment, going to a bank, filling out an ap-
plication, and waiting to be approved.
In fact, if you’re going about things this way, as I did
for many years, you’re wasting time and losing money.
For me, discovering how to use private lenders in my
real estate business has been truly life altering. The
amount of money I make and the kind of work I do
each day is incredible to me. And not only is it possi-
ble, it’s really very simple. If I can do it, anyone can.
For seventeen years I languished in a full-time corpo-
rate position. I wasn’t happy and I was barely making
ends meet. I was thousands of dollars in debt and it
was only getting worse. It wasn’t the life I wanted. I felt
that my life was just ticking away. When I sat down
and really faced things, I knew in the end I could actu-
ally retire poor.
Something had to be done.
Real estate investing came to me in the form of an
infomercial at 2 a.m. on a Tuesday. The course
piqued my interest, but the cost was $159. Money was
so tight, I didn’t have $159, but I did have a credit card
and the company offered a 30-day money back guar-
antee. I held that credit card in my hand and consid-
ered the future I wanted. Then I picked up the phone
and ordered the course. It was the first step toward a
brand new life and eventual wealth beyond what I
could have imagined.
But that was only the beginning. After a few years I
took a second step that propelled my business and my
life to a whole new level. In 2001, when I quit my cor-
porate job and took the plunge full-time into the world
of real estate, I was immediately faced with a very big
problem. It turns out that this problem was the best
thing that could have happened to me. You see, with-
Page 14
out full-time employment, traditional lenders weren’t
exactly eager to loan me funds. And without consis-
tently available money to fuel my real estate transac-
tions, I had no business at all. I tried everything:
- Banks
- Line of credit
- Hard money lenders
- Partners
- Credit cards
If only I had known that all of these methods, even if
they had been eager to give me a loan, were com-
plete wastes of my time!
Finally, about five years ago I learned a lesson I’ll
never forget. I came across a foreclosure on a
$150,000 property that was going for only $70,000.
I’d hit the jackpot! It was almost too good to be true.
Of course I jumped at the chance to get in on this
incredible deal. But I didn’t have the available funds.
It’s every real estate dealer’s nightmare. I scrambled
to the bank, to my partner. I tried to extend lines of
credit. But all of this took time, and time is exactly
what you don’t have with a lucrativeshort sale like
this.
As you can guess, I didn’t get the sale. By the time I
had secured funds, the property was sold to some-
one who had the cash ready and could close within
days. In this one deal I lost a potential $60,000.
I swore then and there that this would never happen
to me again. And it never did, because then I discov-
ered private lending.
A whole new world opened to me and my investing
has never been the same. Private lenders literally
provide you with your own private bank to fund your
real estate deals. Imagine: limitless funds that are
constantly and immediately available. Today, I have
more available capital than I do property in which to
invest it. It’s simply a store of money waiting for me to
make use of it. And anyone can have this; that’s
what’s so amazing. It’s like a dream come true for
any serious investor.
MAREInet.com
It sounds a little overwhelming, does-
n’t it? Let’s slow down. I’ll explain the
specifics of private lending, and you’ll
see for yourself how this incredible
system works.
Who are private lenders? First of all,
private lenders are everyday people.
Some are retired, some work, some
have substantial investment capital,
and others have only a little. They
may want to make the most of the
savings they’ve spent their lives build-
ing, or perhaps they suddenly came
into money through an inheritance or
property sale.
Regardless of their background, all
private lenders are looking for a safe,
PRIVATE LENDER
Locally Owned & Operated
Private Money Lender
We are a Direct Lender, not a Broker
 Rehab Loans up to 100% of Costs
 Up to 65% of the After Repaired
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 Terms from 30 Days to 1 Year
 Rates from 12 to 16% Interest Only
 Points from 6 to 10 in Lieu of Equity
 Appraisals Required
Draw Requests on Wed. Paid on Friday
RockStarInvestor.com
Jeff Basler
913-221-9080
Investment News
high-yield opportunity for their funds. I the total investment is never more
give my lenders a 6 to 8% return on than 70% of the appraised value of
their investment. There’s nothing like it the property. If for some reason you
anywhere. The incredible thing is that would fail to repay the loan, they have
most people don’t know about this the value of the property to reclaim
opportunity. They let their hard-earned their funds.
money sit in CD’s or IRA’s. Some
even risk the volatile stock market.
The win-win reality of private lending
“How to Get All The Money
is unparalleled. Really, you get imme- You need to Buy Prop-
diate, limitless funds to invest in real erty: Even if your credit is
estate opportunities at a moment’s
shot, you’re broke and living
notice.
Your lenders get an incredible 7% paycheck to paycheck” by
simple interest on their money. They Alan Cowgill. This is an 83
are secured by both a mortgage and
hazard insurance on the home. There page E-Book on private funding
is safety in their investment because in the MAREI Online Library.
Accurate Title Company
“When You Need Timely,
Top-Quality Service . . . “
 Owners and Loan Policies
 Endorsements
 Ownership & Encumbrance Reports
 Foreclosure Reports
 Ownership Information
 Tax Information
 Buyer’s Closing Services
 Seller’s Closing Services
 Lender’s Closing Services
 Recording Services
 Funds Disbursement Services
 1031 Exchange Services
 Special Requests
www.AccurateTitleCo.com
913-338-0100 phone
913-338-0107 fax
Page 15
 December 2010

www.KCRAR.com

Economic
Update
Average Sales Price: The average new home Kansas City Region Supply of Homes on the
price this month ($322,548) is 5% higher than Market The Supply calculation is determined by
the same month last year ($306,834). There taking the “Inventory” and dividing it by the “12
were price increases in all but two counties. month average of the number of Sales.” Gener-
ally speaking, a 5-6 month supply of homes on
The average YTD price for new homes in-
the market equates to a “balanced” market.
creased by 3%, from $292,506 in 2009 to
$301,932 this year. The YTD average price for When the supply exceeds 6 months, the market
an existing home also increased by 1% over the begins to favor buyers, and when the supply is
past year. The average existing home price this less than 5 months the market tends to favor
month ($145,583) is almost the same as one sellers. Supply for combined new and existing
year ago ($144,789).Three counties (Cass, Mi- homes was 8 months of supply in December
ami and Platte) experienced increases in aver- which is slightly lower than November’s 8.4
age sales price for existing homes from the months of supply. The existing home supply was
same month last year. 7.8 months for December which reflects a de-
crease from 8.4 months for November; the third
The average price for combined new and exist-
month in a row for decreases in supply of exist-
ing homes in the region this month was
ing homes. The new homes supply in Decem-
$158,120, which was 3% higher than the aver-
ber 2010 was 9.6 months, slightly up from No-
age sales price of $152,858 for combined sales
vember’s total of 9.1 months. New home supply
prices in December 2009. Cass, Miami and
has continued to remain relatively constant
Platte counties each experienced increases in
since December 2009; hovering around the 8 ½
the average sales price for new & existing com-
- 9 ½ month supply for the past year. There is a
bined from the same month last year.
slight buyer’s edge present in the new home
Inventory: New home inventory this month of market, the existing home and combined mar-
1,525 is up just 1% compared to 1,508 new kets.
homes on the market last month. The new home
inventory for the region is 25% lower than it was
a year ago at this time when there were 2,024 See charts online at www.KCRAR.com, look un-
new homes on the market. Existing inventory der resources.
this month of 13,713 is 6% lower compared to
14,614 one month ago.
The existing inventory this month is 14% higher
than it was a year ago when the existing inven-
tory was 11,981. New & existing inventory com-
bined of 15,238 this month compared to 16,122
last month represents a 5% decrease in the past
month. One year ago the inventory was 14,005
which represents a 9% increase in total inven-
tory over the past year.

Page 16 MAREInet.com
 FOR INVESTORS

BY INVESTORS

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Portfolios for Profit.
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For Investors, by Investors!

Investment News Page 17

 Scott Meyer

Free

Self Storage
Workshop

February
26th!

vs Residential
So How Does Self Stor-
age Stack Up Against
Other Forms Of Commer-
cial Real Estate Invest-
ments and Single Family
Rentals?
When comparing Self
Storage to other real es-
tate investments such as
Apartments, Office Build-
ings, and Retail, how do they compare? Lets
explore some of the most important factors.
Development Costs Break-Even Occupancy Rates
The development cost of self storage is one-
third to one-half that of Apartments (multi- When owning investment property, you simply
family), office buildings, or retail properties. must fill a certain amount of space to keep from
losing money. In self storage, this break-even
point is considerably lower than other real estate
ventures due to its low development costs.

Operating Costs

Owning Real Estate requires regular mainte-

nance of the grounds, appliances, plumbing,
electrical fixtures, etc., which usually require a
maintenance staff. As the graph illustrates, self-
storage operating costs are less than half that of
other real estate properties.
Annual Rent Ranges
This chart illustrates that the annual rent ranges
for self storage fall within the range of other real
estate. However, considering the lower develop-
ment and operational costs we discussed

Page 18 MAREInet.com
above, self storage can yield a better bottom Sound too good to be true? I’m here to tell you –
line. It isn’t. Now I invite you to Enjoy the Silence and
the peacefulness of true, passive income in Real
estate by Investing in Self Storage!

Looking for an alternative to residen-

tial or maybe a complimentary invest-
ment? Consider Self Storage Invest-
ing. Find out more on February 26th,
when Scott Meyer will be in Kansas
City and teaming up with MAREI to
offer an absolutely FREE workshop.
Failure Rate Comparison
Details on the MAREI Calendar
Compared to other real estate investments, self
storage has the ability to absorb economic fluc-
tuations, maintaining value during both good
and bad economic times.
Learning Links

Saturday Feb 26th

All Day Workshop
Sign up at

www.MAREInet.com

Calendar of Events

FREE E-Course on Self Storage

t all boils down to using a system – “Systems run Download Webinar

the Business – People run the System”! I can’t tell
you how dramatically our life changed once I per-
Download Report
fected our system for Finding, Evaluating, Buying, And look on the Blog page for a
and managing our Self Storage Empire. Then,
after we Dumped all our Single Family Rentals, FREE Business Plan
Apartments, office buildings, parking lots, and
warehouses – I turned to my wife and said Sign up at
“Listen”. She said “But I don’t hear anything”. And https://selfstorage.infusionsoft.com/go/Home/MAREI/
I said – That’s right – the phone stopped ringing!
No more calls about leaky plumbing, roofs, or ten- Check out these links to further
ant fights, evictions, broken appliances, health
inspector calls, etc.…….. It was Quiet! Your knowledge on Self Storage Investing

Investment News Page 18

TRAINING
4 Week Rehab Date & Time:

Saturday
Don Tucker has been renovating homes as a Real Estate Investors February 19th
since early 2000. He has been in home construction for too many 9:00 am till 1:00 pm
years to admit, including new home construction warranty man-
Location:
ager, Kansas City Missouri Section 8 inspector, and with more ex-
perience in the environmental field. Tucker One Properties
He has condensed down his all day Four Week Rehab Class into a MAREI Training Room
1/2 a day workshop to cover: 115 E Gregory, KCMO

 Don't pay too much for your house! Cost:

 Repair items often overlooked! Members: $59 each
 How to productively work with your contractor!
$44 before 02/16/11
How to schedule the rehab so you are not working against your-
self! Temp Members: $99

Want a little preview of Don's rehab, see some of the working Register On Calendar
video at his recent rehab in Prairie Village by going to http:// of Events Online at
www.reikc.wordpress.com.
www.MAREInet.com.

Date & Time:

Self Storage Investing
Saturday
What You’ll Learn In This One Day Workshop: February 26th
9am to 4pm
 Where to find killer deals BEFORE they go to market Location:
 How to automate the Deal Analysis and Due Diligence Old Shawnee Towne
 Partnering with brokers to get “previews” of sweet deals 11501 W 57th St
Shawnee
 Writing Business Plans to almost guarantee Loan Approval
Cost:
 13 Strategies the Pros use to buy No Money Down
FREE to all, But limited
 Managing remotely: kiosks, Internet, & Virtual Assistants Seating. Sign up to-
day!
 Maximize your income with multiple Profit Centers
Register On Calendar
of Events Online at
This an in depth look at Scott Meyers Home Study Course! www.MAREInet.com.

Page 20 MAREInet.com
 EVENTS
We have quite a few
Webinars on our calendar
for the month. Please
visit the calendar for
February at
www.MAREInet.com to
learn more about

 Email Marketing
 Direct Mail Marketing
 Self Directed IRAs
 Audio Marketing

Avoid Fines! Avoid Date & Time:

Saturday
Prison! Get Certified! April 9th, 2011
8:00 am to 5:00pm
Now is the time to become an EPA-certified reno- Location:
vator and follow the specific work practices that
Sylvester Powell Jr
prevent lead contamination. MAREI is proud to
Community Center
offer this full day seminar where you will receive
6200 Martway,
your personal RRP Training Certificate.
Mission, KS
The new federal Lead-Based Paint Renovation,
Repair and Painting (RRP) Requirement applies to Cost:
anyone who performs work that disturbs paint on a Public: $250
house built prior to 1978. This includes Contrac-
tors, Landlords, Property Managers, Apartment Members: $225
Managers, Painters, Electricians, Plumbers, Win- Members: $199
dow Installers, Pressure Washers, Realtors, Home Before February 28th
Renovators and many more!
Register On Calendar
Presented by MAREI & Kachina of Events Online at
Lunch included www.MAREInet.com.

Investment News Page 21

 Feb
Reserve a Vendor Table: If you have a product or service
to present to a targeted group of real estate entrepreneurs
Reserve a
then reserving a vendor table at our monthly meeting is an
Vendor Table
7
excellent way to meet that target group. Set up at our from

CALENDAR Feb
7
Webinar

Email
6 to 7 and receive 2 minutes to pitch in our Haves & Wants

Webinar: learn the best practices for building and main-

taining your lists through harnessing the power of social
networks, mobile technology, Join My Mailing list cam-
paigns, and word of mouth from your loyal readership.

Feb
MAREI’s Monthly Meeting: We meet the 2nd Tuesday of
Monthly
each month for networking and education. See next page.
This month we have a panel of guests to discuss Marketing
Meeting
8
in the Real Estate Investing Business. Attend, take notes,
and implement to boost your business in 2011!

Feb
Lee’s Summit Investors Networking Breakfast: Meets
Live on the 2nd Tuesday of the month for networking at Panera
Bread. Please join us and bring your deals to share and
Workshop
12
discuss. Led by Gary Cross and Deb Felderhoff

Feb
Webinars, 2 different webinars regarding Self Di-
rected IRAS. During the day with Matt Allen on non-
Webinars recourse loans for IRAs and in the afternoon with

15 Edwin Kelly with Q & A on Self Directed IRAs.

Sub Group: Commercial Investors - Led by Larry

Feb SubGroup Prato, the Commercial Investors meet every other Wednes-
day afternoon to discuss commercial investing deals. Bring
Commercial
a deal to evaluate, pitch a deal, partner up, and make
16 money. We are here to put deals together, so please join
us.

Feb
Workshop: four Week Rehab with Donald Tucker.Join
Workshop
Don for this 1/2 day workshop to find out the ins and outs of
renovating a home in about 4 weeks, so that it rents and or
Rehabbing
19
sells quickly and puts profits in your pocket.

Feb
Workshop: Self Storage Investing with Scott Meyers:
Workshops
tired of tenants and toilets or just don’t want them. Then
Self Storage self storage is the way to go instead of or in addition to your

26
traditional real estate investing. Great multiple stream of
income.

Page 22 MAREInet.com
 Monthly
Meeting
Sylvester Powell Jr
Community Center
6200 Martway, Mission KS
913-722-8200

Tuesday February 8 5:30 Set Up

Doors open at 5:30
Members: FREE
Guest Fees: $25 at door . .
Pre-register online for $15
5:40 Members Only
6:00 Industry Partner Expo
Guest Speaker
6:00 Member Networking

If guests join with in two days of 7:00 Haves & Wants (Bring
the meeting, their guest fee will be your Deals) Spencer Cullor
applied to the membership fee with
7:30 Presentation – Cullor Properties
proof of payment.
Marketing Mastery Alternative Financing
9:00 New Member Through
Registration Partnerships
Location

6200 Martway

Mission, KS 66210
Contact Spencer
www.Cullor.com

North of Shawnee Mission Pkwy Park in North Lot

South of Johnson Dr 2nd from the Building

East of Lamar Less Kids & Door Dings

Investment News Page 23

 Investment
Opportunity
Address City Offered as Price Info Contact Phone

7 Property Kansas City, Turn Key $89,000 Wholesale Christoph 816-419-1165

Package MO Becker

2508 E 46th Kansas City Minor Repair $12,000 Wholesale Christoph 816-419-1165
St Becker

4522 Forest Kansas City Needs TLC $16,500 Wholesale Christoph 816-419-1165
Becker

4501 Cypress Kansas City, Fixer Upper $7,000 Wholesale Christoph 816-419-1165
MO Becker

921 Benning- Kansas City, Needs TLC $7,500 Wholesale Christoph 816-419-1165
ton MO Becker

2500 E 69th Kansas City, Needs Work $12,000 Wholesale Christoph 816-419-1165
St MO Becker

608 W 101st Kansas City, Minor repair $118,000 Short Sale Eric Deeter 913-579-3354
Tr MO Realty Resource

405 W Dart- Kansas City, Move in, Un- $199,900 MLS Don Tucker 913-208-3017
mouth MO der value

2313 Denver Kansas City, Fixer Absolute Online Auc- Robert Mayo 816-361-2600
MO tion

Page 24 MAREInet.com
 Wholesalers, submit your properties at:

kcmoHomeBuyer.com

Looking for Investment Properties

Investment Opportunity Looking for REO homes?
Visit my site to sign up for the
Most current list of REO properties available!

There are over 37 Investment Real Estate Investor / Agent with experience in
Opportunities listed today on Bank Owned, Short Sale, and Rental Properties
the MAREI web site.
All MAREI members may log Eric Deeter
in and list their property for Realty Resource of KC
sale, include details, photos, www.EricDeeter.com
simple html, and contact info. Call (913) 579-3354

Must be your property or list-

ing, no fishing for buyers
with out proper contracts.
All new listings emailed out
on Fridays in our E-Updates Home Depot
go to
 2 % Bi-Annual Rebate for MAREI members
MAREInet.com
 Volume Discount Pricing
Click no Tool Box
Click on Property for Sale Call me to find out how you can save
on your next home renovation!

Roger Holyfield
(816) 510-9199
Roger_L_Holyfield@HomeDepot.com

Investment News Page 25

 Lead Paint
Laws?
LEAD PAINT? WHAT ARE YOU TALKING
ABOUT? I DON’T EVEN DO PAINTING!
If you are working on a painted surface, or removing
or improving any painted surface, you need to under-
stand the law and the potential impact it has on you –
how to comply and how to keep yourself safe.
The law applies to general and specialty contractors,
home improvement contractors, design-build firms,
carpenters, painters, drywall workers, window in-
stallers, etc. If you are handling or working with any
painted surfaces, even if you are just taking down a
painted door and hauling it away, the law is going to
impact you and your job.
ANOTHER LAW? WHERE DID THIS COME
FROM?
In 1976 a law was passed that was designed to help
the Environmental Protection Agency (“EPA”) control
any of the substances that were determined to cause
an unreasonable risk to public health or the environ-
ment. The name of this law was the Toxic Sub-
stances Control Act (“TSCA”).
Congress later added additional titles to the TSCA,
with this original part designated at Title I - Control of
Hazardous Substances.
Title IV - Lead Based Paint Exposure was added in
1992. For our purposes, this Title really went effec-
tive in 1999. It was designed to reduce environment
exposure to lead contamination and prevent the ad-
verse health effects caused by lead exposure.
Section 1018 of Title IV is intended to ensure family
health and protect children from the effects of lead
paint dust and debris. Among other things, it gener-
ally requires the disclosure of very detailed informa-
tion on lead-based paint and/or lead-based paint haz-
ards before a contractor undertakes any job that
could disturb a painted surface.
In April 2008, there were further amendments added.
One stated that effective December 22, 2008, the
new EPA pamphlet, “Renovate Right: Important Lead
Hazard Information for Families, Child Care Provid-
ers and Schools” would replace the original pam-
Page 26
phlet. Also, by April 22, 2010, companies will need to
be certified by the EPA, key person/s will need to
become a Certified Renovator, you will need to test
for lead paint and if present, use Lead-Safe Work
Practices.
WHY SHOULD I CARE ABOUT COMPLYING?
Because if you get hit for violating TSCA, you could
lose your business. Really.
Violations are punishable by a civil penalty of up to
$37,500 per day for each violation. Knowing or willful
violations can lead to the imposition of criminal fines
and imprisonment for up to 1 year
for each violation. Moreover, many states have their
own version of TSCA, so a violation of TSCA means
you are also violating that state’s own environmental
law governing lead paint.
TSCA is enforced by the EPA, with the assistance of
the Department of Justice, and their enforcement
oversight is increasing every year.
I CAN SEE THIS IS SERIOUS. SO TELL ME HOW I
COMPLY WITH THIS.
Your customer needs to be given a pamphlet titled,
"Renovate Right: Important Lead Hazard Information
for Families, Child Care Providers and
Schools." Specifically, the pamphlet has to be given
to the owner (and any tenant) of the housing where
the work is being done.
This pamphlet is written by the EPA, and can be ob-
tained in bulk from Kachina Lead Paint Solutions in a
variety of styles, languages, and bearing your com-
pany name and logo, as well as one of our stock lo-
gos.
And, you should make sure you have ordered from
us a version of the pamphlet in Spanish to use for
those customer’s who may speak primarily Spanish.
WHEN IS THE PAMPHLET REQUIRED?
The pamphlet is generally required for any
“renovation” to housing constructed prior to
1978. After 1977, the use of lead paint was banned -
(Continued on page 27)
MAREInet.com
so the EPA is not concerned about
jobs on buildings or homes built in
1978 or later.
The term “renovation” basically means
any work being done to painted sur-
faces. For example, this would in-
clude - but is not limited to – the fol-
lowing:
 the removal or modification of
painted surfaces or painted com-
ponents (e.g., removal, replace-
ment or modification of painted
doors, windows, gutters, walls,
etc.);
 surface preparation activity of
painted surfaces (sanding, scrap-
ing, or other activities that may
generate paint dust);
 the removal of large structures
(e.g., walls, ceiling, large surface
re plastering, major re-plumbing);
 any window replacement.
WHAT DOES THIS NEW RULE
MEAN FOR ME?
The rule requires that contractors:
1. become trained in the use of “lead
-safe work practices”;
2. become certified to conduct reno-
vation work using “lead-safe work
practices”;
3. follow “lead-safe work practices”
as required on all home improve-
ment and remodeling jobs.
Start using a new lead paint disclo-
sure information brochure. The bro-
chure was changed to indicate that
the customer needs to check and con-
firm that you, the contractor, are prop-
erly certified with the EPA to perform
the work.
The Law applies to general and spe-
cialty contractors, home improvement
contractors, design-build firms, car-
penters, painters, drywall workers,
window installers, etc. If you are han-
dling or working with any painted sur-
faces, even if you are just taking down
a painted door and hauling it away,
the law impacts you and your job.
WHAT ARE LEAD-SAFE WORK
PRACTICES?
“Lead-safe work practices” is the term
Investment News
used to describe how a job must be
handled in order to comply with EPA
regulations so that lead paint dust and
debris are not released into the envi-
ronment.
Lead-safe work practice means:
 The job is performed by a contrac-
tor that is certified by the EPA;
 The contractor uses a “certified
renovator” to perform certain ac-
tivities on the job;
 The contractor’s installers have
been provided on-the-job-training
in lead-safe work practices;
 Signs are posted at the job site
clearly defining the work area and
warning occupants and other per-
sons to remain outside of the work
area.
 The job site is isolated in a certain
manner so that no visible dust or
debris leaves the work area
while the job is being performed.
 Waste from the job site is con-
tained in a specific manner to
prevent releases of dust and
debris.
After the job is complete, the con-
tractor must clean the work area
using approved cleaning methods
and protocols.
WHAT IS A CERTIFIED RENOVA-
TOR?
A certified renovator is an individual
who has completed an EPA-
accredited training course in per-
forming renovations (improvement
and remodeling jobs) using lead-
safe work practices. To maintain
certification, a person has to com-
plete an accredited refresher course
every five (5) years.
WHAT DOES A CERTIFIED RENO-
VATOR ACTUALLY DO?
The certified renovator should be
thought of as the job “manager”. He
or she is responsible for:
 Test for lead paint.
 Making sure the job is con-
ducted using lead-safe work
practices. The certified renova-
tor can do the work personally,
or can direct uncertified workers
to do the job except that the cer-
tified renovator must perform the
post-renovation cleaning verifi-
cation;
 Providing training to uncertified
workers on lead-safe work prac-
tices; Making himself or herself
available at the job site during
key stages of the job, and at
other times be available on-site
or by telephone; and
 The certified renovator can also
use an acceptable test kit to de-
termine whether lead-based
paint is present in affected ar-
eas.
SO WHAT DO I NEED TO DO
UNDER THE NEW RULE?
1. Your company needs to become
certified with the EPA or receive
on-the-job-training by an EPA-
certified renovator;
2. Your company needs to become
re-certified every five (5) years;
3. Your company needs to have at
least one(1) individual “certified
renovator” representing it;
4. An individual “certified renova-
tor” would have to be assigned
to oversee each job;
5. Jobs must be performed under
lead-safe work prac-
tices, unless the job can be ex-
cluded from coverage of the new
rule.
You must continue to distribute the
lead paint informational pamphlet to
your customers.
IS THERE ANY JOB WHERE I
DON'T HAVE TO DO THIS?
Yes. After 1977, the use of lead
paint was banned - so the EPA is
not concerned about jobs on build-
ings or homes built in 1978 or later.
See the Page 21
To find out about Our Certification Class
On Saturday April 9th, 2011
Right Here in Kansas City
Page 27
 membership
What makes MAREI Different?
You have a lot of choices in Kansas City for Real Estate and Landlord Groups. There are many rea-
sons why MAREI is different, unique and better for you than other groups in the area.

MAREI Others

Monthly Meetings
Saturday Training Seminars

Monthly Webinars and Recorded Events

Meet Local Vendors

National Speakers

Deal Makers Quick Pitch (Haves and Wants)

Local Market Updates (at Meetings and Oline)

Heavy Emphasis on Networking

Very Active in Social Media

Robust Monthly Newsletter

Blacklist of Undesirable Speakers

Rigorous Vetting Process

Member Focused Mindset

REIA Leaders Who Invest Full Time

Robust Member Benefits Manual

State of the Art Member & Guest Website

Active in National REIA

Active in Legislative Efforts to Protect Our Industry

Packed Member Resource Pages & Online Library

Non-Stop Sales Pitch

Group Leader Focused

Poorly Run, Poorly Organized Meeting