From The Desk Of Harry Kunelis
Imagine navigating any real estate opportunity with a compass that always points you in the right direction. Whether you are selling, buying or investing in real estate—it makes no difference.
Lock yourself to this page and look no further—because this map will expose you to the lion's share of insider information discreetly tucked away at the top of the real estate food chain; and the new rules of the game.
This will definitely save you the tens of thousands of dollars you can't afford to waste and loads of your precious time...
If you are like most people, then you likely don't have the extra tens of thousands of dollars to spend on real estate consultants, courses and attorneys. Or maybe you do, but you just don't know where to look for the right questions and answers in the first place. Either way, we know gathering accurate information for the sake of getting up to running speed can be risky—because trial and error is costly.
Therefore, doesn't it make sense to know the specifics on the seven lessons that will never go out of style? You might even say these seven lessons are classics. In fact, as you will discover in Lesson 7, some of the modern day real estate regulations imposed by the Obama administration in 2010 weren't so modern. In other words, when adopting stifling deed restrictions to block the general public (you) from buying and selling residential property, the Obama administration plagiarized regulations created almost 100 years ago by the Franklin D. Roosevelt administration.
What's the point and why should you keep reading?
The point is—if you intend on placing your time and your money in harm's way, then doesn't it make sense to take a peek at the entire landscape first? After all, there are scores of real estate training courses and advisors out there. To attend one relevant class per each real estate niche would easily cost you the combined sum of a college tuition. And that is assuming you knew which courses and events to stitch together in the first place.
Before you appoint a real estate consultant...or pursue pricy training on private lending, short sales and discounted pay-offs, lease options and master leases, flipping property, buying notes and secondary market investing, buying bank foreclosures, creating mortgage pools, no money down investing, self-directed IRA investing or even buying your first home...would you consider having the seven principles guiding all of these strategies?
All modern day real estate strategies—whether it's buying your first home or starting a full blown real estate company—are the offspring of the same seed. And rely on the same basic strand of DNA. This single item reveals the DNA code of modern day real estate in seven simple lessons.
If you—or your team—ignore these seven principles, then you will struggle in any type of real estate transaction you attempt. Moreover, if you have already invested many thousands of dollars and are still struggling in real estate, the likely reason why is because you have failed to internalize these seven must-know commandments.
Currently, most licensed and accredited professionals (brokers, attorneys, accountants and etc) are ignoring some of these most important tactics; while skewing the facts about the remaining lessons. To be blunt, the vast majority of professionals have little clue regarding at least three of these how to invest in real estate lessons.
Specifically, you will find that...lesson one, lesson three and lesson seven...are known or well-understood by only a handful of investment professionals. And in case you don't believe me, here is a recent snippet of proof.
For instance, if you followed recent history, then you know beyond a shadow of a doubt what United States Federal Reserve Chairman Ben Bernanke—and other 'experts'—had to say about the 2007 U.S. housing collapse. Here the red arrows (in the chart above) indicate a point in time when the 'experts' continued to defend their stance that housing was not in a bubble.
Not only did the New York Fed publish a study in December 2004 denying the existence of a housing bubble, Ben Bernanke echoed that message in the subsequent years leading up to the crash. In other words, at the peak of the largest United States housing bubble in recorded history, Fed Chairman Ben Bernanke—and other experts—declared publicly there was not a housing bubble. Were they right? No, in fact, they were dead wrong.
If you didn't follow recent history, don't worry. In Chapter one, we reveal (in simple to view color charts) what ten United States local markets looked like leading up to the crash. Including Las Vegas, Miami, San Francisco and more. Frankly, you will also learn why it's pointless to invest in markets like Las Vegas if you are borrowing money from a bank.
If it's your aim to know how to invest in real estate and buy property like a pro—and avoid getting crushed by market cycle reversals—it pays to compare what various United States local markets look like. And how each market appeared leading up to the crash.
Naturally, there are a few savvy individuals feeding on the cadaver remains of poor decisions made by others. Be the hunter; not the hunted. If you recall, nearly $8Trillion of wealth was lost following the 2007 United States real estate crash. And many savvy individuals avoided the wreck entirely because they knew the rules of the game. You too can discover these powerful insights (1) without breaking your bank account and (2) without wasting a lot of your time.
Clearly, this is where to start for anyone interested in:
- buying, selling or renting property
- borrowing money to buy property
- investing in real estate
A cost effective solution that points you in the right direction immediately. A simple to read map that reveals how to navigate your way to more wealth—even if you get handed a broken compass.
Here's one final way to look at it...
Undoubtedly, you've heard of the Pareto Principle; aka the 80/20 rule. Otherwise, known as the law of the vital few and the trivial many. If you were to consider the Pareto Principle, then you would know 20% of the salespeople make 80% of the sales...20% of the writers sell 80% of the books...80% of your success and financial wellness is derived from only 20% of your activities. And it just so happens the Pareto Principle applies to real estate information as well.
So what's the point?
The point to nail down is: these seven lessons (steps) comprise the few nuggets of gold, sifted from the 80% of useless sediment. Engraved inside these pages lies the core 20% of information that matters most in real estate. Not the 80% of uselessness that the cat uses to chase its tail.
This playbook was specifically designed so you can tackle modern day real estate head on; in a simple and cost effective way. Before you start spending thousands of dollars on a real estate consultant, attorneys, educational courses, or even your first home, start with a low cost way to gain insider knowledge.
...Because if you were to heed the advice of a mainstream real estate consultant or broker back in the mid 2000's, you would have lost ocean's of wealth in real estate. And the proof is front-and-center in the chart above.
Not surprisingly, many unfortunate souls are still losing money today by taking mainstream real estate consultant, broker and investment advisor advice at face value. The goal here is to sharpen your sword with core real estate investment concepts that save you time and boost your financial returns.
Before I confess how neglecting just one of these elite money manager secrets back in 2003 blind-sided me, let's quickly spit out what else is part of the 20% basket of information that is responsible for 80% of your success in real estate.
Here's What These Seven Key Lessons Are About...
- Step 1 - How to Analyze Local Real Estate Wealth Cycles
- Step 2 - How to Determine Property Value (hint: there are four ways)
- Step 3 - The Secret to Wealth
- Step 4 - Understanding The Real Estate Supply Chain
- Step 5 - Buying, Selling, Investing & Renting Strategies For The Modern Era
- Step 6 - The Anatomy Of A Closing
- Step 7 - How to Protect Your Time and Your Money
I discovered the best way to lose $1,500,000 so listen up...
And guess what? I did not lose that money in real estate as you might suspect. Nevertheless, I made the exact same devastating mistake we see real estate investors, property buyers, first-time home buyers, borrowers and other business owners violating every single day. As a result, it personally cost me $1,500,000 within five years (from August 2005 - July 2010)—ouch.
Hint: if you borrowed money to buy property in an equilibrium market, then guaranteed you have already made this mistake without even knowing it.
If the answer to what defines an equilibrium market is not on the tip of your brain immediately, then how can you buy property or know how to invest in real estate like a pro? You can't. That is the reason why we clearly define the three market types for you in Chapter 1; including equilibrium markets.
Back to the story...
As a licensed dentist in the State of Illinois (USA), I owned and operated a state-of-the-art digital dental office (you can see it in the picture to the left) located in a nearby Chicago suburb. It was a leveraged business. In other words, I used debt to create the opportunity. The debt wasn't necessarily the problem. The problem was the debt structure. To make a long story short, that dental business still exists today; but I don't own it.
I reveal this investment blunder inside Chapter 3 – The Secret to Wealth – of our book and how to avoid duplicating it when you invest in real estate. If you were to get this one underground tactic right, you would automatically boost your wealth because you will have structured positive leverage.
Meanwhile, between these same five years (2005-2010), I controlled $3,980,000 of assets. Ironically, real estate comprised 87% of it—or $3,480,000. But wait. Earlier I mentioned that I incurred losses resulting from a predominantly non-real estate asset. How is it possible to avoid getting sunk in real estate during a real estate storm? Despite the fact the bulk of the assets you control are real estate?
You will discover a few ways that it's possible by reading this book. For me it was possible because I only took possession of Title to one property. The rest were options to buy. I laid skin in the game—$185,000— to tie up those properties too. As you will learn in lesson four, it is much easier to get out of trouble when you don't take Title to property.
If I had known how to deploy each of these seven lessons back in 2003, I would have $1,500,000 more to work with today. Indeed, I remain a licensed dentist, but I have not practiced dentistry in many years. You might say that I am a "wanna-be" dentist. After devoting seven solid years performing advanced level dentistry, I retired at the age of 35 to engage in real estate full-time.
Why not maintain both pursuits you ask?
...Because I believe real estate is a full time specialty. The same remains true for advanced level dentistry—it's a full time gig. And I don't believe it's fair to dental patients, nor real estate clients, to dilly-dally part time in one while neglecting the other.
Confucius said it best:
"Man who chases two rabbits catches neither."
For example, in May of 2012, I was in Shanghai, China meeting with real estate clients on investment related business. Now, can you imagine if at that same time you were a dental patient calling me with a dental emergency?
"Hey doc my tooth hurts..."
How would it make you feel knowing I have to ignore your emergency for real estate affairs?
Let's be truthful about the not so fatal flaw because...
Real estate is simple; but not easy. What does that mean? In simple terms, this solution has one flaw that you should know about. Before I reveal the flaw, let's quickly recap what the goal is here.
The goal is for you to:
- Seize the entire basket—of the 20% of information—that is responsible for 80% of your total success in real estate; and grab it without breaking your bank account.
- Collect this killer information in a quick—at your fingertips—and simple to understand way.
- Decipher the DNA code of real estate investment; so you can quickly start working with any real estate consultant or broker (if you even choose to) as early as next week.
- Obtain the bricks and mortar of real estate investment in case you plan to do it yourself and build your own real estate company.
- Dodge hidden land mines before they blow up in your face.
- Start growing your wealth in real estate now.
- Navigate how to invest in real estate and buy property like a pro.
Therefore, this solution reveals the wisdom that a top real estate consultant or fund manager would know. These seven steps (lessons) are the cornerstone to your success as a first-time property buyer, real estate investor, real estate broker, or future money manager. However, if you think this item is intended as a how-to-be-a-real-estate-expert overnight, then you will be disappointed.
Simply stated, I'm openly providing you the core basket of information that matters most in real estate. Not the 80% of useless stuff that can lead you—and your wallet—into the Bermuda Triangle. And because I believe in the Pareto Principle, this approach will save you loads of time and money so you can feel comfortable buying, selling or investing in real estate now. Likewise, if you intend on hiring a real estate consultant or broker, these seven key lessons will arm you with the knowledge so you can put your advisor's feet to the fire.
However, if you plan to dig deeper into each core, you will need specialized legal contracts and other field experiences that only a top real estate consultant would have. Obviously, that will require further due diligence on your part.
For instance, my legal team has created legal contracts that have a retail street value of $62,000. That is what it would cost you if you had a legal team create similar documents. And that is assuming you knew exactly what to request of them in the first place. I do not provide my legal contracts in this book. If I did, then I would have to price this solution at thousands of dollars. And that would defeat the purpose of this item. Therefore, the only flaw to this gem that awaits you is: you should not expect to have access to my entire library of legal documents—at least not at this low price.
However, what I do provide inside are the names of training resources, tools and attorneys that I use. Just in case you are one of those maniacs who wish to dig deeper for yourself. Otherwise, what makes this solution uniquely special is that it can be used by the first time home buyer, as well as, a top real estate consultant; and everything in between.
Here's a summary of the entire basket of wealth benefits that eagerly await you in each of these seven key lessons...
Chapter 1: How to Analyze Real Estate Wealth Cycles
- Why many experts guessed wrong during the real estate peak of 2007.
- How a few savvy individuals predicted it with laser-guided accuracy.
- What is the single worst metric to use when measuring real estate cycle data?
- I define the three types of markets and provide examples of each.
- What do real estate wealth phases in America look like? In simple to view graphs.
- I provide resources where you can get the tool that I use. In case you feel you need it.
Technical analysis monitors how to recognize local real estate wealth phases. This step one data is your parachute. By sniffing-out wealth cycle reversals in advance, you can land on your feet while others crash in flames.
Chapter 2: How to Determine Property Value
- The three main ways to determine property value. What are they? Which method to use when assessing residential real estate vs. commercial real estate.
- I reveal a fourth way to determine property value. Specifically, this method can be used when evaluating residential real estate. And to double check what phase of the market cycle you are in.
- Vacant land. A brief glimpse at why assessing vacant land value can be tricky. Especially, parking lots in major cities.
If you plan to buy, sell, rent, lend money, borrow money, invest to own private notes secured by real estate, or purchase bank owned properties in bulk...isn't it logical to grasp how industry insiders appraise asset prices?
Upon completing this chapter, you will know beyond a shadow of a doubt how a pro prices property. The ultimate benefit of Chapter 2 is—it exposes how to never overpay for property.
Chapter 3: The Secret to Wealth
- How to decipher debt like a professional fund manager.
- What is positive leverage and how to structure it. (hint: there are two components to positive leverage)
- Do loan interest rates matter in real estate loans? When do interest rates matter and when don't they matter?
- What is the secret to wealth and how to capitalize on it.
Hands down one of the most important lessons. Ignoring this single lesson alone cost me $1,500,000. I can promise you most investors and property buyers wander unaware of the tactics in this Chapter—guaranteed.
If you don't believe me, then riddle me this...
In this real world example, what is the one key number to consider when creating a positive leverage scenario?
Hint: it's not the price of the property.
If you did not answer Cap Rate to the last question within five seconds, then you should not buy, sell, nor invest in real estate alone; or until you grasp every rudiment in this Chapter.
If you guessed the answer correctly, plug ahead only if you know what role each number plays in the final result and why.
Unfortunately, you won't be able to utilize this lesson unless you fully grasp lessons one and two first. Which adds fuel to the fire because most folks don't have access to the information revealed in Chapters 1 and 2. Steal these tactics that elite money managers use to invest; so you too can quickly and profitably create your strategic investment plan.
If you are currently losing money, you will realize neglecting the lesson in this chapter is largely responsible for your brain-damage. This lesson—step 3—is the bedrock of money.
And it's frightening how few real estate consultants advise on this formula; likely because the real estate consultant is unaware of it too. I completely undress these commonly made investment mishaps for you in this chapter.
The ultimate benefit of Chapter 3 is learning how to achieve wealth without being a slave to the big banks. If you get this step wrong, I guarantee your end result will not be good.
Chapter 4: The Real Estate Supply Chain
- The real estate supply chain dissected into 8 parts. Know where you fit.
- What is a hypothecation and how it works in secondary markets.
- How to distinguish the difference between a note and a security instrument.
- The difference between asset management and liability management.
- The 2 ways a property owner can lose their property.
- Bird's eye view of the foreclosure process.
- Contrary to popular belief, learn why bankruptcy does not eliminate foreclosure.
By understanding the real estate supply chain, you can be the hunter—not the hunted. In other words, each of us plays a role in this real estate ecosystem at all times. And depending on where you lie in this food chain will determine if you are in a position to eat...or be eaten.
Learn the rules of the game before you buy property, sell or invest in real estate. Chapters 1, 2, 3, and 4 are the foundation for anyone engaged in any real estate transaction—even 1st time home buyers.
If you lose money in real estate, then it will be caused by ignoring any one of these first four steps.
Additionally, if you plan to preserve and grow your wealth through real estate, you must be exposed to the entire basket of the 20% of information that is responsible for 80% of the success. That is why I have included lessons 5, 6, and 7 to round-out this seven step short-cut.
Chapter 5: Buying, Selling, Investing & Renting Strategies For The Modern Era
- How to rank which property is priced best when comparing multiple properties in your buying decision. Hint: the lowest priced property is not always ranked best in value.
- Where you can find the ranking tool that I use just in case your real estate consultant does not use one.
- How to structure away the risk if you're a property owner seeking to rent your property to a tenant.
- What are the typical criteria to look for in a retail rental tenant?
- Both an easy way to sell property and a hard way to sell property revealed.
If you are staring at four deals, which one is priced best? Doesn't it make sense to know how to decipher this? The answer may not be the one with the lowest sales price. When you buy property, you must use the right tools to determine which property is ranked best—or hire a real estate consultant that uses similar tools.
The ultimate benefit is that Chapter 5 clarifies the ins and outs of ranking which property on your radar is 'priced' best. Don't be fooled by a real estate broker who touts they know this solely by looking at the MLS. I too am a licensed real estate broker—and own a luxury real estate brokerage in downtown Chicago—with access to the local MLS. By itself, the MLS will not tell you which property is ranked best.
If you or your real estate consultant do not use such a tool, I point you in the right direction. So you can get one for yourself at fractions of what it would cost to create it on your own.
Chapter 6: The Anatomy of A Closing
- Discover the role of the middleman and how to be one—legally—regardless if the middleman is a licensed broker or not.
- What are the differences between an agent and a principal and why that matters?
- What is the difference between a wet closing and a dry closing from a real estate investor's and the FBI's point-of-view?
- How to keep the Federal Bureau of Investigation (FBI) mortgage fraud officers from showing up at your doorstep if you're a real estate investor; or work with real estate investor's.
Real estate closings are probably the most misunderstood facet of the real estate transaction. Claims of fraud have often been reported in the media. Likewise, if you intend to flip property without using your own money, then the lessons in this chapter are a must-know.
Discover the simple truth in this chapter. There are rules that apply in residential real estate that do not apply in commercial real estate.
One way or another, there are a few vital points to know while the rest of the noise is plain non-sense. If you understand these points, you will discover kosher behind the scenes strategy; legitimized by the F.B.I.
The extra benefit is that you won't have to struggle finding (and paying) an over-priced attorney many hundreds of dollars per hour to consult this to you. Especially, considering the majority of attorneys are unaware of this obscure rule.
Chapter 7: How to Protect Your Time And Your Money
- Asset protection
- Subtleties of an LLC vs. Corporation
- Advantages of an LLC in real estate
- The structure of the Securities and Exchange Commission (SEC) simplified
- How, where and when 'securities' regulations started
- The securitization process in an initial public offering (IPO) and how it relates to real estate investment
- Difference between 'distribution' vs. trading as it relates to securities and the role of the middleman
- The role 'securities' play in real estate investment
- Legal exemptions to filing with the SEC and why that's important to any real estate investor
- Biggest Ponzi scheme in the history of mankind
This final lesson is the icing on the cake with candles too. If we are looking for the complete basket of real estate information responsible for 80% of your success in real estate, then no story would be complete without these asset protection and securities principles.
The ultimate benefit of learning the tenets described in this last step is that it will set you apart from the flakes. Plain and simple. Unless you are a fund manager, or plan to be a fund manager, much of the information in Chapter 7 will be new to you.
At HK Creative Investments, we know what matters most in real estate is accurate information. And how to use it. Not some theory class that has little real world value.
It makes no difference on whether you are a first-time home buyer, real estate investor from America or abroad, a newly licensed real estate broker, fund manager, private family office, retirees looking for a place to park your money or even a complete rookie to real estate altogether. The common thread among all of these people—people just like you—was the need for a substructure bolted together with accurate information.
This single book item—How to Navigate Modern Day Real Estate in 7 Simple Steps—is your Pareto Principle to getting what you want out of real estate. This is single-handedly the fastest and cheapest way for you to get a bird's eye view of the entire real estate landscape. And your road map to know exactly what rocks to look under next.
If you've got a few hours set aside, start here and guaranteed you'll boost your real estate investment IQ...
Thank you for your time.
P.S. Warning! Don't hire a real estate consultant, broker, nor invest in real estate until you read this book. Remember that neglecting just one elite money manager tactic revealed in Chapter 3 alone cost me $1,500,000. Use this hard-to-find wealth blueprint as your parachute so you can land safely on your feet while others crash in flames.
P.P.S. Claim your copy now at this low introductory one-time payment before this rare short-cut guide jumps to its future price of