the internet real estate cash...

The Internet Real Estate Cash Machine _____________________________________________________________________________

© FWM, LLC – All Rights Reserved Worldwide 1�

The Internet Real Estate Cash Machine!

Proven System For Buying & Selling Houses On The Internet

Jim Fleck



ALL RIGHTS RESERVED. No part of this book may be reproduced or transmitted for resale or use by any party other than the individual purchaser who is the sole authorized user of this information. Purchaser is authorized to use any of the information in this publication for his or her own use only. All other reproduction or transmission, in any form or by any means, electronic or mechanical, including photocopying, recording or by any informational storage or retrieval System, is prohibited without express written permission from Jim Fleck or International Profit Systems, Inc.

LEGAL NOTICES: While attempts have been made to provide effective, verifiable information in this Book, neither Jim Fleck nor International Profit Systems, Inc. nor their respective parents, subsidiaries and affiliated companies assume any responsibility for errors, inaccuracies, or omissions. If advice concerning tax, legal, compliance, or related matters is needed, the services of a qualified professional should be sought. This Book is not a source of legal, regulatory compliance, or accounting information, and it should not be regarded as such. The use of any information contained herein, such as opinions, instructions, suggestions, advice, letters and other similar content is at the user's own risk. You are strongly encouraged to consult with legal and financial professionals prior to making any decision that could have legal or financial consequences to you.

This publication is sold with the understanding that neither Jim Fleck nor International Profit Systems, Inc are engaged in rendering legal, accounting or other professional services. If legal advice or other expert assistance is required, the services of a competent professional person should be sought. Due to the nature of direct response marketing and varying rules regulating business activities in many fields, some practices proposed in this Book may be deemed unlawful in certain circumstances and locations. Since federal and local laws differ widely, as do codes of conduct for members of professional organizations and agencies, the reader of this Book must accept full responsibility for determining the legality and/or ethical character of any and all business transactions and/or practices adopted and enacted in his or her particular field and geographic location, whether or not those transactions and/or practices are suggested, either directly or indirectly, in this Book. As with any business advice, the reader is strongly encouraged to seek professional counsel before taking action. NOTE: No guarantees of income or profits are intended by this Book. Many variables affect each individual's results. Your results will vary from the examples given. Jim Fleck and International Profit Systems, Inc cannot and will not promise your personal success and have no control over what you may do or not do with this program, and therefore cannot accept the responsibility for your results. You are the only one who can initiate the action necessary in order to reap your own rewards! Any and all references to persons or businesses, whether living or dead, existing or defunct, are purely coincidental. Any slights of people or organizations are unintentional. TRADE SECRETS NOTICE: You agree by reading these methods, not to disclose any of the trade secrets to any person other than your spouse or attorney. When instructing real estate professionals on closing procedures, you should seek to minimize the information they need in order to complete their job in assisting your sales, financing and closings. You should leave out key points in the System when hiring others or instructing others in any sales or closing procedure. This agreement also applies to public discussion boards. Discussion of said secrets on any real estate discussion board or any other public forum is prohibited and we will seek damages from offending parties through the court System. Purchaser also agrees not to sell or trade any said secrets, methods, and techniques of the Cash Now System method, including the resale of Purchaser’s own training materials.

Published by: Jim Fleck, International Profit Systems, Inc

PRINTED IN THE UNITED STATES OF AMERICA FOR WORLDWIDE DISTRIBUTION.

© 2009 Foreclosure Wealth Management, LLC



TABLE OF CONTENTS

About the Author Jim Fleck is a serial entrepreneur. Ask any family member or friend and they would tell you even as a young

child, Jim had an attitude for entrepreneurism. Starting to work at the age of 12 he had his first business when he was

18. While he was in high school he had a knack for creating faster ways to get jobs done so he could double his pay. By the time he got to college, at one point he had a painting company with over 10 employees.

Dropping out of college he secured corporate work and began the daily

grind. While trying to succeed, he had a couple of bad loans, a few failed businesses and bankruptcy. He couldn't go on vacations, let alone had any money to start a business. Jim could not get loans, decent credit cards, or nothing and was stuck in a nightmare, working day-in and day-out and his credit was ruined for ten years.

Then he woke up one day and realized he had to make a commitment to

not let anything stop him. He studied, made mistakes, lost money on deals, tweaked systems, tried new strategies until he had things systemized.

He purchased his first foreclosure in 1991. Since that time he has been

on TV and radio and in print almost continuously. He has been published in dozens of magazines and newspapers and speaks at sold out seminars and also coaches students from all over the world.

Jim has even bought and sold 4 properties and made $20,000 in 20

minutes...from a golf course. He recently put together a new system and made $93,317 in 90 days and

is now teaching his students that very same system. He is the author of Pre-Foreclosure Millions, How to Make $30,000 A

Month Flipping Properties, How to Sell A House In 2 Days, The REO Success Formula, Foreclosures Made Simple, Getting Paid to Buy Houses, Real Estate Fortunes Made Simple, No Money Down on the Internet and Paychecks in Your Mailbox.



No Money Down on the Internet

I Like To Call This Virtual Investing?

Lots of people do not think you can virtually invest. They feel you have to talk to agents, look at a hundred properties, rehab, blah, blah, blah. That is just old school thinking.

Wired, that is right wired.

You heard me, as we are talking about a new world, new economy, and a

new school of thought.

My definition of virtual investing is through properties that are either flipped or added to your portfolio, even though you never see them personally. I will teach you how to do this by using the power of the internet to market for motivated seller leads, and also to find hungry buyers to sell those properties to for quick cash.

Something I do want you to think about as you think about real estate.

Wholesaling real estate, also called quick turning or “flipping” is something that can help you eliminate your debt. Just think if you flipped 10 houses over the next year and you could easily make $10,000 per deal or more, and that would be $100,000 right there in one year. That would eliminate most people’s credit cards, loans and car debt. It may not eliminate a primary mortgage, however that could always be next, if you wanted.

What I am telling you is wholesaling or “flipping” houses is the best short

term strategy I know of to help you make money. I could teach you to buy a business, start an internet business, be a consultant, or a number of other things. However, nothing works as well, or has as much opportunity as real estate.

I would also have you look to develop a long term strategy for buying and

holding real estate, building up a monthly cash reserve with rental income to take advantage of the wealth building power of real estate.

I wholesaled 11 houses in the 90 days before finishing this book. I did not

use credit nor did I borrow the money to buy the properties. All I did was put some earnest money deposit down on some of them.



Wholesaling or “flipping” is the best way into the real estate investing business. Doing it online at home at your kitchen table or home office makes it the best business in the world.

My goal is to share with you how to use this simple, easy, online based

system.

I live in the Chicago area. Although, I have wholesaled out of state properties there are plenty of properties in Chicago to buy. Many people might live in an area where they can not flip deals right in their immediate geographic area. They may live in rural areas, depressed urban areas and it might be a little harder for them to find the right properties even though there are plenty of properties usually to be flipped to landlord/investors. I am currently looking at properties all over the nation and with the Internet the whole country is my backyard.

So do not worry about where the properties are, just trust me for now and

in the end you will see it does not really matter.

I know this is not the biggest problem people face when getting started investing in real estate. The biggest obstacle is that they think they need to have money or credit available to do deals, and this is simply not the case.

The beauty is I am going to show you how to get big checks of $5,000,

$10,000, even $20,000 or more when you wholesale properties, all through the Internet.

I have had over a dozen businesses over the years and as of the writing of

this book, still have five. I have never seen a business, where I get such great profit checks, and have so much fun and am afforded so much freedom than the real estate investment business by wholesaling properties.

In this business, if you are willing to put in some time, the money that will

come back to you will be amazing. If you quit, it will not. Will take some work? Of course it will! Why do you think you get checks of $5,000, $10,000 or $20,000?

I am going to give you a nice plan that will allow you to grow your real estate

income fairly easily to between $5,000-$10,000 every month, then you can take it from there, to wherever you want or as high as you want. This is exactly what I do every day. You just need to follow along and maybe tweak things a little for your area, and always remain flexible. If something is a little different in your area, seek the answer, do NOT give up, and do NOT take no for an answer.



Now, what is this “No Money Down on the Internet” story? Well, everything you will need to do will pretty much is done on the Internet using this system. You may need a fax machine once in a while, but that too can be handled by using a service like www.efax.com which allows you to fax over the Internet. You can use email, search engines, along with some select websites to find buyers, motivated sellers and private lenders.

I use an all in one telecommunications center that includes 800#’s with

extensions that I use for marketing houses and investors, plus online faxing.

All my faxes come as email, so I do not really use a fax machine any more because everything is done through my PC. If I need to fax something out I use my printer/scanner combo machine, I scan it in and use the faxing software that comes with the system.

I have my sellers or buyers fax back completed documents and then I send

FedEx to pick up the originals, or simply send them an email with instructions to call FedEx to come pick up the docs. You must have original signed documents.

Fax is kind of old school and out of date these days. Everything is all done

through email if you want to make your life easy, and scale the business to the size you would like. Having things online also allows you to hire “VAs” or “Virtual Assistants” to do things for you.

That is why I use the word “Virtual” in this system. In all of the properties I

purchase these days, I never step foot in any of them. I buy and sell virtually and I am going to teach you how to do this right now.

How Do You Buy Property Without Looking At It?

Build a “Power Team.” The “Power Team” is your unpaid helpers who more

or less will make money when you profit or they will make small dollars that you can afford to pay. You cannot do this business alone unless you just want to do a deal here or a deal there. This is a team business. You do not make $2,000,000 a year alone. While I was writing this book I did $93,317 in 90 days. I did not do it alone, I had a team. The people on the team are: Realtors, REO or Asset Managers, Lenders of all types, Inspectors, Property Managers, Handymen, Contractors, Appraisers, Project Managers, Property Acquisition and Sales Managers, let alone helpers, and a few more I am probably forgetting.

One of the secrets of the Internet, and one of the most powerful members of

my team are my VAs. I have been using VAs for almost ten years now. It is a must if you want to stay virtual and lean. The cheapest VA I have makes about



$4 per hour and raves about me, and thanks me once a week for providing her the opportunity to work. She is off-shore where the standard of living is much less and the average hourly wage is way below that.

Where do you find people who will work as VAs?

1. http://agentsofvalue.com 2. http://odesk.com 3. http://workaholics4hire.com 4. http://vaservant.com 5. http://easyvirtualassistant.com 6. http://elance.com 7. www.guru.com

For technical work and other things that may be a little more expensive,

however it’s still a way to get things done quickly I suggest the sites below. I once posted a project on the Internet to create a special project spreadsheet at http://rentacoder.com and the person said draw a picture and explain what I wanted and I had it back in 30 minutes and it only cost me $15. Here’s the technical sites:

8. www.getafreelancer.com 9. www.rentacoder.com

People from these websites for me do research, look up property information

on tax sites, like www.realtor.com, www.ebay.com, different REO sites, they make phone calls, crunch numbers for me, create spreadsheets, you name it, they do it.

The assistants only bring me the deals that make sense and fit my criteria.

You can start by hiring someone a few hours a week and see what happens. Your time is something you have to protect like gold at Fort Knox, or the freedom our forefathers fought for. In fact, the other thing to focus on is to forget everything else in all my books and systems and do anything it takes to get the first offer made. No money will ever be made without offers. As I write this book, I can pull up my spreadsheet of offers and it shows that I have 95 offers out right now. This has been done with a “VA” or two and my power team. Granted you will not start there, however you can get there very easily.

Look at it this way. If your “VA” can help you make $10,000 dollars this

year and you only paid them $100 that is a pretty good ROI (Return on Investment). Just know your time is way more valuable than you think it is.

http://agentsofvalue.com/

http://odesk.com/

http://workaholics4hire.com/

http://vaservant.com/

http://easyvirtualassistant.com/

http://elance.com/

http://www.guru.com/

http://rentacoder.com/

http://www.getafreelancer.com/

http://www.rentacoder.com/


10 Steps to Virtual Wholesaling

Step One – Locating Property You have to have a property. The cheapest and fastest way to locate

properties in my opinion is on the Internet. I use real estate agents and direct mail and referrals also, but nothing is as easy and as fast as the Internet. Sometimes it takes a lot of looking and that is where a “VA” comes in very handy.

Internet websites to locate real estate properties:

1. http://www.ocwen.com/reo/ 2. www.homesales.gov 3. http://www.buybankhomes.com/ 4. http://homepath.com 5. http://bidselect.com 6. http://homestep.com 7. http://craigslist.com 8. http://lendersreo.com

Banks are very motivated because they are holding more inventory than

they can easily sell. So, as I said before, you just need to start making offers. It does not even matter if your offer is way off base at least it will get the ball rolling. Always remember there is no way anyone can make you buy a property. When you make offers, at the absolute worst, you have only the earnest money deposit at risk. The less earnest money deposit you put down, if any, the less the risk. The Strategy Is Simple:

Find A Good Deal,

Click a Mouse, Buy a House,

Click a House, Sell Your House


http://www.homesales.gov/

http://homepath.com/

http://bidselect.com/

http://homestep.com/

http://craigslist.com/

http://lendersreo.com/



Step Two – Research

Research is not a step I really need to do, at this point in my real estate career because I live in the Chicagoland area of Illinois and the properties are endless. There are occasions where you as an investor might live in a rural area and need to find out where to go to do research for an area. Big cities are always easy. However, there are sites online that are very nice and do the research for you.

These Internet real estate research sites will help you pick places to invest:

1. http://realtor.org 2. http://www.searchsystems.net/ 3. http://remax.com 4. http://realtytimes.com

For another site, really all you have to do is go to www.google.com and type

in “real estate market research” and you will have more data than you can use.

By the way, if you are hearing from everyone that this city or that city is the place to invest, you may be too late. You either need to be ahead of the curve or simply work in your own area, and if you want to work long distance, it needs to be a big city. Anyway you do it; you do it through the Internet.

If you are doing market research you want to look at things like demographics and population growth. In other words is it younger generations that will want to buy, is it seniors who want to rent, or is it a “work” city where everyone rents due to a local industry that might leave. Are there any new companies moving into an area like a Wal-Mart? The bottom line is people need a place to live. My recommendation is go buy some wholesale houses and flip them or hold them and rent them out to that community.

Here are some market research sites:

1. www.city-data.com 2. www.census.gov

I do not want you to do this research on your own, simply go and look for it

as it all has been done for you already. You just need to look and you fill find it. I will say it again, “I do not do a lot of research.” I can watch the news or read the newspaper and know that most of the major cities if not all have enough properties. Just go and look and you will find properties just like my other students who are buying and selling real estate all over the country and given that one of my best students works in the more rural areas of Idaho I know that by following this plan you can have success anywhere.

http://realtor.org/

http://www.searchsystems.net/

http://remax.com/

http://realtytimes.com/

http://www.city-data.com/

http://www.census.gov/



Another thing you will need to know once you find potential properties, are the properties comparables (or comps). This will tell you what the approximate value of the property is. Only use recent comps from no further back than SIX months ago if possible and no more than up to ½ mile away. Look at tax information and the sales history if you can. Most of this type of information is online these days.

You can also use these sites for comparables:

1. www.facorelogic.com 2. www.realquest.com 3. www.dataquick.com

For getting some quick free comps, there is:

1. www.zillow.com 2. www.cyberhomes.com 3. www.trulia.com 4. www.yahoo.com

You can also find out the value of a property from the county tax

recorder/assessor’s website. The county recorder directory is online at www.netronline.com to find the website for different county tax assessor’s offices

Finally, a good piece of information to have if you are going to flip the property to an investor is what rent is going for in a specific area. Very often, if you simply call a local property management company and ask them they will tell you what the rent is in the area. They are used to it. Of course since this is an Internet system, how can you find rent online? Use the sites listed below. Of course if you can not find a good market rent for the property that you are looking at, you can always use the Internet to find the telephone number of a local property management company.

1. http://hotpads.com 2. http://rentals.com 3. http://Realtor.org 4. http://www.narpm.org

You can also find newspapers from across the country and look for

properties to see if there are any rentals:

1. http://newspaper.com 2. http://www.newspaperlinks.com/home.cfm 3. http://newslink.org 4. http://www.newsdirectory.com

http://www.facorelogic.com/

http://www.realquest.com/

http://www.dataquick.com/

http://www.zillow.com/

http://www.cyberhomes.com/

http://www.trulia.com/

http://www.yahoo.com/

http://www.netronline.com/

http://hotpads.com/

http://rentals.com/

http://realtor.org/

http://www.narpm.org/

http://www.newspaper.com/

http://www.newspaperlinks.com/home.cfm

http://newslink.org/

http://www.newsdirectory.com/


Simply go to the classified ad section and see what other landlords are asking for rent.

I still hold one of the best ways to find the market rent is, as I said above, call a local property manager. This is the national organization’s website for property managers:

www.Narpm.org

You can call the organization to find local property managers. Then call the names of the property managers they give you and say “I’d like to rent a house in the _________ area, there is one for rent on ___________ street do you know what it should be going for?” Or simply say, “I am thinking of buying an investment property at 123 Main Street, could you tell me how much you charge to manage and how much you think I could get for rent?”

You can also get information from the government on Section 8 housing, which is like getting guaranteed money. For Section 8 housing information use these sites:

http://gosection8.com http://socialserve.com

Another site which is great, HUD Fair Market Rent Schedules:

http://www.huduser.org/datasets/fmr.html or http://www.huduser.org and look at reports in alphabetical order and look for one on fair market rents for the area you are focused on.

Example:

This is information I found for a particular county in Illinois by going through the tools at http://huduser.org. You will be able to print this type information and use it with an investor/buyer by showing them what they can make if they buy this as an investment property.


http://www.narpm.org/

http://gosection8.com/

http://socialserve.com/

http://www.huduser.org/datasets/fmr.html

http://www.huduser.org/

http://huduser.org/



Step Three - Inspecting the Property

There are two national home inspection websites where you will be able to find a local inspection company. The inspection companies will usually give you a complete report delivered online. If they do not do digital pictures and email, select another company. You want to see lots of pictures. That is one of the best ways you can find out what is wrong with the property without actually going there. Now, one of the things I often do is to get a real estate agent to take the pictures. If I am want to do this whole process completely online, and super low cost, I will hire a college kid to do it for $20. You do not want to pay for a full blown inspection report yet because it would get too expensive.

There are two sites I recommend to help you do this:

1. www.ASHI.org 2. www.Homegauge.com

Step Four – Coming Up With an Offer Price

There are basically three things we need to know to get our offer ready to be made with the forethought of flipping it to another investor. The ARV, EOR and MR. Let’s look at each of these now.

1. ARV - After Repaired Value. The top value I can get from the property

once it is fixed up. I get this from one of the websites listed earlier, from a real estate agent and/or the tax assessor site. I gather the ARV from all sources so I can cross check them.

2. EOR - Estimate of Repair. I get this from a contractor and/or a

handyman. If you do not do this, it is going to make it harder to flip the property because anyone buying the property will want to know this how much the estimate of repairs will be. By having this information readily available it will allow you to flip the property quickly. As long as you either 1) tell the contractor you will use him if you keep the property, or 2) pay him if you sell it, or 3) refer him to the buying party, and he will keep doing estimates for free. Obviously if you do not take care of him, he will not take care of you. If you five him $200 out of your profit each time he will do estimates for you forever.

3. MR – Market Rent. Investors who are landlords and are going to keep

the property will want to know what the market rent is in the area.

http://www.ashi.org/

http://www.homegauge.com/


You can find out all three of them. The better the data, the quicker you can move “flip” the property. In addition, if this information is solid, you will form relationships with investors who will eventually not even question your numbers, and they will just take your deal because they know you do your homework. That is a great spot to be in.

Wholesale Maximum Allowable Offer (WMAO) Flip To an Investor

Example After Repaired Value (ARV) $100,000

Estimate of Repairs from my contractor $ 6,000

(ARV X 70%) minus repairs = MAO (Maximum Allowable Offer)

$100,000 X 70% = $70,000 - $6,000 = $64,000

Investors will jump at the chance to buy this property

Where is your profit?

It is WMAO (Wholesale Maximum Allowable Offer)

Get either 10% of ARV or $5,000 minimum on properties

$64,000 - $5,000 = $59,000 In this case you would need to buy this property for $59,000

or lower



Methods That Can Make You More Money

When Negotiating 1. Ask for the seller to pay closing costs 2. Make sure you contract says the earnest money is

the sole remedy for default, which will keep your risk down if you can not find a buyer

3. Never pay more than:

Wholesale = ARV X 65% Minus Repairs (This is probably even better these days than using 70%)

It is hard to tell you exactly what to do, however

always try to at least make $5,000 per transaction

It is Not Worth It For Less!

Step Five - Buying It Right!

Making the offer and buying it right! It is said that if you buy a property right, you will always make your money. Now, remember, this is a transaction only, do not look at it any other way. Do not get greedy, do not get attached to the property, and do not try to force a profit if there is none there, just move on. Be unemotional is what I am telling you, this is just a business transaction. There will be more.

All I ever want to know is what the numbers are. The numbers tell the story and they do not usually lie. So, buy it right and you will profit.

Step Six - Sell It or Flip It

Selling your deal fast is really not that hard. Many investors can be found in the same places you found your properties.

www.ebay.com www.craiglist.com www.backpage.com


http://www.ebay.com/

http://www.craiglist.com/

http://www.backpage.com/



No Money Down on the Internet Shortcut

I learned this technique from a friend of mine. It speeds up everything that

I have shared with you until now. The previous steps is how you will want to grow however to do fast flips I have a technique that will allow you to take advantage of other people’s legwork.

You basically look for other investors doing what you are doing, and then grab their properties and offer to try and find them a buyer for a fee. Here’s how:

Step 7 - Generate Leads (Use a “VA”)

Compile a List of Wholesale Deals a. Get phone numbers, emails, property address, create spreadsheet to

keep the information b. Look for properties offered by other wholesalers and investors c. Control the property with a non-exclusive option contract. This means

you have the right to sell and you do not have to take it off the market, you are just giving someone else the right to find a buyer also. (You skip the legwork, the wholesaler did it and found the property for you, and you just looked online, found the property listed, never had to do the due diligence, because it is been done by other investor)

d. Online methods for finding properties i. www.craigslist.com>real estate for sale> search “Fixer Upper” ,

“TLC”, “Wholesale”, “Handyman Special” ii. www.backpage.com>real estate for sale> search “Fixer Upper” ,

“TLC”, “Wholesale”, “Handyman Special” iii. Search for a local real estate investors club at http://nationalreia.com

see if there is a local club with a website of properties. iv. Local newspaper websites

e. Offline methods i. Newspaper

Step 8 - Contact Leads To Make Offer

Make contact by calling or emailing (calling preferred to get experience and build relationships)

http://nationalreia.com/



Hi my name is Jim I am calling about your wholesale deal is it still available? If no, continue to the next lead. If yes, “I am a wholesaler and think this property is perfect for my buyers, can I market it to my buyers?” Emphasize that it: “It does not cost you anything. I can mark it up a bit and that is it. Can I send over an agreement? I usually sell these types of properties in 3 days or less.”

So what you will do is find a wholesaler/investor who found a property at $50,000 and marked up to $60,000, we mark up to $65,000 and make sure the seller understands that they can continue to market like normal, if they find a buyer first, our agreement is terminated, if you find buyer first, you want them to honor the deal

Sometimes the wholesaler/investor will discount further to move the

property through you, in other words, they will sell it to you for $55,000 instead of $60,000, and if you find them a buyer that means you would make you $10,000 instead of $5,000…Sweet!

Once they agree, get a signed agreement of a “Non-Exclusive Option”

agreement. (See appendix)

Get pictures and whatever info the wholesaler/investor has, which I covered earlier when you are putting any other deal together, however remember, they have done all the work already. If you have to you can pay a kid $20 or pay someone else to get pictures.

Follow up with the wholesaler/investor until agreement signed. If needed, take them to lunch or meet at the property to network. Ok, ok, if you must network on www.facebook.com or www.myspace.com to make it all Internet well, you can try. I highly suggest you go meet a person that can make you $10,000 on a single property and maybe more on future properties.

Step 9 - Market the Property

If you have created a buyer’s list already, simply email them and tell them about the property. Email current buyers, or new buyers from Step 7.

The email could say:

“I have a property I am desperate to sell, email or call me with your offer if you are interested, I will take best offer this Friday so go look at it today, because if you call me on Saturday, it will be gone”



Find buyers online from the properties you found in Step 7 on: www.craigslist.com, or www.backpage.com

Get contact information from all the contacts. Check the real estate wanted

section of online sites, use the Section8 link, or www.showmetherent.com to look for rental properties and pull up landlord names.

Post the property online. Use www.postlets.com, www.craigslist.com, www.backpage.com, local newspapers online, local REIA (Real Estate Investors Club) club sites

Join Yahoo® or Google® investor groups and join in conversation in

addition to other online forums. Let them know about your property.

Step 4 - Close and Get Paid

Contact the highest offer, get a contract with earnest money deposit, I prefer to get at least $2,000.

This is a non-refundable earnest money deposit, and the only time the buyer gets it back is if title issues come up or the seller backs out.

When you get $1,000-$2000 earnest money up front, this is really the first portion of your profit. Some buyers might want the money to go into escrow, and the title company will hold it until the closing. This is ok too, as long as the escrow agent understands that it is non-refundable.

Sometimes you can get the entire wholesale fee up-front from an investor. Look, if you only make $3,000 for signing some paperwork and you do it five times a month that is $15,000. Not a bad month. There are occasions when you can get the whole $3,000 in earnest money up-front.

Now you go back to original wholesaler and convert the non-exclusive option agreement to a purchase and sale agreement.

If the profit is less than $15,000 you can just try to “assign the contract” like you have learned before in the Cash Now System.

If the profit is more than $15,000 you might schedule a double closing where you buy the property then turn around and sell it. That way, neither the Seller nor Buyer knows how much you are making.


This does cost more money, in terms of two sets of closing costs. However all you do is submit both contracts to your title company, get the closing date, and on closing day, the title company wires you your proceeds.

This is it. This is my shortcut. Now just go and do what is in these pages even if it does not seem all that clear. You will get it done. You must take action. Use my hotline specialists and keep moving forward.

If you find a seller that will do the deal with you and you find a buyer who wants the property, and you are going to make a good profit and you need to do a double closing and you are cash poor. Just contact me through support. I will fund your deal if you have an end buyer waiting so there will be no worries! I look forward to seeing you at one of my live Cash Now Seminar and hearing your success story. To Your Real Estate Success,




Appendix Banks and Websites (Realize that many banks may have been purchased, consolidated, or be out of business when you see this list) Bank Name URL Wells Fargo http://www.wellsfargo.com Bank One http://www.bankone.com/ Bank of America http://www.bankofamerica.com/ Republic Bank http://www.republicbancorp.com/ La Salle Bank http://www.lasallebank.com/ US Bank http://www.usbank.com/ Bank Franklin http://www.bankfranklin.com/ Frost Bank https://www.frostbank.com RBC Royal Bank http://www.rbcroyalbank.com WestStar Bank https://www.weststarbank.com Compass Bank http://www.compassweb.com PNC Bank http://www.pncbank.com/ Citibank US http://citibank.com/us/index.htm CathayBank http://www.cathaybank.com/p_MortgageLoan.asp StateFarm Bank http://www.statefarm.com/bank/mortloan.htm Zions Bank http://www.zionsbank.com/home.jsp Bank Rate http://www.bankrate.com/brm/rate/mtg_home.asp Charter one Bank http://www.charteronebank.com/calculators/MortgageLoan.asp Cofed Bank http://cofedbank.com/ Met Bank http://www.metbank.com/mortgage/default.asp Integra Bank http://www.integrabank.com/mortgage/ Sovereign Bank http://www.sovereignbank.com/companyinfo/default.asp Fidelity Bank http://www.fidelitybanknc.com/personal/loans.shtml Bank of Montreal http://www4.bmo.com/personal/0,4344,35649_36691,00.html Homae Banc http://www.homebanc.com/ Bank of Oklahoma http://www.bankofoklahoma.com/personal/mortgage/ Merrill Bank http://www.merrillmerchants.com/ HSBC Bank http://hsbc.ca First American Bank http://www.nbcbham.com/default.aspx?id=39 Ever Bank http://www.everbank.com/main.asp?affid=eb MidSouth Bank http://www.midsouthbanking.com/ Umpqua Bank http://www.umpquabank.com/ First United Security http://portal.fxfn.com/zfusbta/ Community West Bank http://www.communitywestbank.com/ Bank of Walnut Greek http://www.bowc.com/ Bank of Alameda http://www.bankofalameda.com Coast Commercial Bank http://www.coastcommercialbank.com/ Hanmi Bank http://www.hanmi.com/pb/ Lake Community Bank http://www.lakecommunitybank.com/ Bank & Trust http://www.pffbank.com/ Sierra Central Bank http://www.sierracentral.com/Loans.asp Canada Trust http://www.tdcanadatrust.com/

http://www.wellsfargo.com/

http://www.bankone.com/

http://www.bankofamerica.com/

http://www.republicbancorp.com/

http://www.lasallebank.com/

http://www.usbank.com/

http://www.bankfranklin.com/

https://www.frostbank.com/

http://www.rbcroyalbank.com/

https://www.weststarbank.com/

http://www.compassweb.com/

http://www.pncbank.com/

http://citibank.com/us/index.htm

http://www.cathaybank.com/p_MortgageLoan.asp

http://www.statefarm.com/bank/mortloan.htm

http://www.zionsbank.com/home.jsp

http://www.bankrate.com/brm/rate/mtg_home.asp

http://www.charteronebank.com/calculators/MortgageLoan.asp

http://cofedbank.com/

http://www.metbank.com/mortgage/default.asp

http://www.integrabank.com/mortgage/

http://www.sovereignbank.com/companyinfo/default.asp

http://www.fidelitybanknc.com/personal/loans.shtml

http://www4.bmo.com/personal/0,4344,35649_36691,00.html

http://www.homebanc.com/

http://www.bankofoklahoma.com/personal/mortgage/

http://www.merrillmerchants.com/

http://www.hsbc.ca/hsbc/personal_en/insurance/creditor-insurance?cp=/public/canada/personal/insurance/creditor_insurance/en/creditorinsurance.html&prm=hl

http://www.nbcbham.com/default.aspx?id=39

http://www.everbank.com/main.asp?affid=eb

http://www.midsouthbanking.com/

http://www.umpquabank.com/

http://portal.fxfn.com/zfusbta/

http://www.communitywestbank.com/

http://www.bowc.com/

http://www.bankofalameda.com/

http://www.coastcommercialbank.com/

http://www.hanmi.com/pb/

http://www.lakecommunitybank.com/

http://www.pffbank.com/

http://www.sierracentral.com/Loans.asp

http://www.tdcanadatrust.com/



Community National Bank http://www.comnb.com/locations/sandiego.asp Premier West Bank http://www.premierwestbank.com/ Hibernia Bank http://www.hibernia.com/main/0,3461,3333,00.html Plains Capital Corporation http://www.plainscapital.com/personal/ IIB Bank http://www.iibbank.ie/ New Alliances Bank http://www.newalliancebank.com/personal/ First Arkansas Bank http://www.firstarkansasbank.com/index.asp?page=1477 Traders Bank http://www.tradersbank.com/ FairFiel County Bank Corp http://www.ridgefieldbank.com/online_loan_center.html Commercial Bank http://www.commercialbank-stl.com/ National Iron Bank http://www.ironbank.com/ Milford Bank http://www.milfordbank.com/Calculators/calculators.htm Liberty Bank http://www.liberty-bank.com/ Putnam Savings Bank http://www.putnamsavings.com/ SWFloridaHomes http://www.swfloridahomes.com AMSouth http://www.amsouth.com/ Stearns Lending http://www.firstpacificfinancial.com/ Pace Funding Company http://www.pacefundingco.com/info.htm Alaska Pacific Bank http://www.alaskapacificbank.com/personal/mortgage/ Capital PacificHomes http://www.capitalpacifichomes.com/corp/mortgagecompanies.cph Pacific National Bank http://www.pnb.com/ Community Bank of Florida http://www.communitybankfl.com/default.cfm?hasFlash=yes City National Bank http://www.citynational.com/site/frame_set/ Citizens National Bank http://www.citizensnb.com/ County National Bank http://www.bankcnb.com/personalbanking.php?ProductsAndServices TCB Bank http://www.texasgulfbank.com/ Gulf Bank http://www.gulfbank.com/loan.html CMG Mortgage Insurance Company http://www.cmgmi.com/ Citizens National Bank http://www.cnbtn.com/3_0_products.html Citizens National Bank http://www.citnatbank.com/personal/ Canadaigua National Trust http://www.cnbank.com/ Madsion Community Bank http://www.mcb-frme.com/affiliates/mcb/home.asp Republic Bank http://www.republicbank.com/products/products.asp Branch & Banking trust http://www.bbandt.com/ Catlin Iilinois Bank http://bank.city-business.net/IL/Catlin People First Community Bank http://www.peoplesfirst.com/ First Community Bank http://www.fcbankonline.com/ First Community Bank http://www.fcbresource.com/ First Community Bank http://www.firstcommunitysc.com/ Charter National Bank http://www.charternationalbank.com/ First Bank http://www.firstbanks.com/ First Saving Mortgage http://www.firstsavingsmortgage.com/ Mountain National Bank http://www.mountainnationalbank.com/ Citizens Online http://www.citizensonline.com/ First Citizens Bank http://www.fcbcf.com/ FIND Sarasota.com http://www.findsarasota.com/Category.asp?id=367 Small Business Development Center http://www.fausbdc.com/index.php?submenu=More&src=gendocs&link=Consumer Affairs http://www.consumeraffairs.com/news02/ftc_pred.html

http://www.comnb.com/locations/sandiego.asp

http://www.premierwestbank.com/

http://www.hibernia.com/main/0,3461,3333,00.html

http://www.plainscapital.com/personal/

http://www.iibbank.ie/

http://www.newalliancebank.com/personal/

http://www.firstarkansasbank.com/index.asp?page=1477

http://www.tradersbank.com/

http://www.ridgefieldbank.com/online_loan_center.html

http://www.commercialbank-stl.com/

http://www.ironbank.com/

http://www.milfordbank.com/Calculators/calculators.htm

http://www.liberty-bank.com/

http://www.putnamsavings.com/

http://www.swfloridahomes.com/

http://www.amsouth.com/

http://www.firstpacificfinancial.com/

http://www.pacefundingco.com/info.htm

http://www.alaskapacificbank.com/personal/mortgage/

http://www.capitalpacifichomes.com/corp/mortgagecompanies.cph

http://www.pnb.com/

http://www.communitybankfl.com/default.cfm?hasFlash=yes

http://www.citynational.com/site/frame_set/

http://www.citizensnb.com/

http://www.bankcnb.com/personalbanking.php?ProductsAndServices

http://www.texasgulfbank.com/

http://www.gulfbank.com/loan.html

http://www.cmgmi.com/

http://www.cnbtn.com/3_0_products.html

http://www.citnatbank.com/personal/

http://www.cnbank.com/

http://www.mcb-frme.com/affiliates/mcb/home.asp

http://www.republicbank.com/products/products.asp

http://www.bbandt.com/

http://bank.city-business.net/IL/Catlin

http://www.peoplesfirst.com/

http://www.fcbankonline.com/

http://www.fcbresource.com/

http://www.firstcommunitysc.com/

http://www.charternationalbank.com/

http://www.firstbanks.com/

http://www.firstsavingsmortgage.com/

http://www.mountainnationalbank.com/

http://www.citizensonline.com/

http://www.fcbcf.com/

http://www.findsarasota.com/Category.asp?id=367

http://www.fausbdc.com/index.php?submenu=More&src=gendocs&link=Banks

http://www.consumeraffairs.com/news02/ftc_pred.html



First Alliance http://www.firstalliance.com/ East West Mortgage http://www.eastwestmortgage.com/ MyShareAdvantage http://www.myshareadvantage.com/loans.php Better than a Bank http://www.abnb.org/ Bronce Federal Credit union http://www.broncofcu.com/ Chesterfield Federal Credit Union http://www.cefcu.net/loan_serv.html Chart way http://www.chartway.com/ Central Veniginia Fedral Credit Union http://www.cvfcu.org/ Clara Borton Fedral Credit Union http://www.clarabartonfcu.org/ Pinnacle http://www.pinnaclecu.org/products/loans_inx.html Family Fedral Credit union http://www.creditunion.coca-cola.com/ Yard Wide http://www.yardwide.com/ Powerco Fedral Credit Union http://www.powerco.org/ First Financial Bank http://www.ffbonline.com/ First Financial Bank http://www.fnbabilene.com/ First international Bank & Trust http://www.fibtlink.com/nd.htm 1st Marine Bank http://www.1stmarinerbank.com/ First Marine Bank http://www.hoovers.com/global/msn/factsheet.xhtml?&COID=52699&abfFirst National Bank & Trust http://www.fnbmh.com/ First National Bank & Trust http://www.fnb-trust.com/ Macleay CentralBusiness Directory http://www.macleaycbd.com.au/main_Professional.html Fair Investment Company http://www.fairinvestment.co.uk/homeowner_loan.aspx Money Page.com http://www.moneypage.com/Loans/Homeowner_Loan.html Finance Link http://www.financelink.co.uk/loan/ Fair Field Investment http://www.privatemoneysource.com/hard_lenders.php Bank of America Higher Standard http://www.bankofamerica.com/index.cfm Bell Mortgage http://www.bellmortgage.com/ Verband Deutscher Hypothekenbanken http://www.pfandbrief.org/ Black Rock http://www.blackrock.com/brs/mortgage_banks.html Grant Thornton http://www.grantthornton.com/content/79658.asp?bhjs=1&bhsw=1024&b

old=32&bhrl=-1&bhqt=-1&bhmp=-1&bhab=-1&bhmpex=&bhflex=7,0,14,0Bank of Israel http://www.bankisrael.gov.il/deptdata/pikuah/ribit/mortgagee.htm Dresdner Bank http://www.dresdner-bank.com/content/03_unternehmen/01_zahlen_faktAssociation of Mortgage Intermediaies http://www.a-m-i.org.uk/HomePage.asp Mortgage Bankers Association http://www.mbaa.org/ European Mortgage Federation http://www.hypo.org/Content/Default.asp? Mortgage Insurance Trade Association http://www.mitaeurope.com/ Permanent http://www.permanenttsb.ie/ Home USA Inspections http://www.homeinspections-usa.com/mortgage_companies.php Mortgage 101 http://www.mortgage101.com/Directory/DirectoryServices.asp?p=mtg10IRED http://www.ired.com/mort/ National Mortgage http://www.nationalmortgage.com/mortgage_loans/washington.html Mlive.com http://www.mlive.com/business/ambizdaily/bizjournals/index.ssf?/base/aArvest Mortgage http://www.arkansasusa.com/re/nwa/mortgage.htm Bank of Fayetteville http://www.bof.com/ Collateral Mortgage http://www.collateral.com/index2.html Farmers & Merchants Bank http://www.fmb.com/ First Federal Bank of AR http://www.firstfedca.com/

http://www.firstalliance.com/

http://www.eastwestmortgage.com/

http://www.myshareadvantage.com/loans.php

http://www.abnb.org/

http://www.broncofcu.com/

http://www.cefcu.net/loan_serv.html

http://www.chartway.com/

http://www.cvfcu.org/

http://www.clarabartonfcu.org/

http://www.pinnaclecu.org/products/loans_inx.html

http://www.creditunion.coca-cola.com/

http://www.yardwide.com/

http://www.powerco.org/

http://www.ffbonline.com/

http://www.fnbabilene.com/

http://www.fibtlink.com/nd.htm

http://www.1stmarinerbank.com/

http://www.hoovers.com/global/msn/factsheet.xhtml?&COID=52699&abforward=true

http://www.fnbmh.com/

http://www.fnb-trust.com/

http://www.macleaycbd.com.au/main_Professional.html

http://www.fairinvestment.co.uk/homeowner_loan.aspx

http://www.moneypage.com/Loans/Homeowner_Loan.html

http://www.financelink.co.uk/loan/

http://www.privatemoneysource.com/hard_lenders.php

http://www.bankofamerica.com/index.cfm

http://www.bellmortgage.com/

http://www.pfandbrief.org/

http://www.blackrock.com/brs/mortgage_banks.html

http://www.grantthornton.com/content/79658.asp?bhjs=1&bhsw=1024&bhsh=768&bhswi=935&bhshi=524&bhflver=5&bhdir=0&bhje=1&bhcold=32&bhrl=-1&bhqt=-1&bhmp=-1&bhab=-1&bhmpex=&bhflex=7,0,14,0&bhdirex=&bhcont=modem

http://www.grantthornton.com/content/79658.asp?bhjs=1&bhsw=1024&bhsh=768&bhswi=935&bhshi=524&bhflver=5&bhdir=0&bhje=1&bhcold=32&bhrl=-1&bhqt=-1&bhmp=-1&bhab=-1&bhmpex=&bhflex=7,0,14,0&bhdirex=&bhcont=modem

http://www.bankisrael.gov.il/deptdata/pikuah/ribit/mortgagee.htm

http://www.dresdner-bank.com/content/03_unternehmen/01_zahlen_fakten/10_dresdner_bank_gruppe/03_hypothekenbank.html

http://www.a-m-i.org.uk/HomePage.asp

http://www.mbaa.org/

http://www.hypo.org/Content/Default.asp?

http://www.mitaeurope.com/

http://www.permanenttsb.ie/

http://www.homeinspections-usa.com/mortgage_companies.php

http://www.mortgage101.com/Directory/DirectoryServices.asp?p=mtg101&ZipCode=03850&ProgramFlag=

http://www.ired.com/mort/

http://www.nationalmortgage.com/mortgage_loans/washington.html

http://www.mlive.com/business/ambizdaily/bizjournals/index.ssf?/base/abd-1/111803280318930.xml

http://www.arkansasusa.com/re/nwa/mortgage.htm

http://www.bof.com/

http://www.collateral.com/index2.html

http://www.fmb.com/

http://www.firstfedca.com/



First Financial Mortgage http://www.firstfinancial.org/ First National Bank of Springdale http://www.firstnational.com/fnb/personal/default1.asp McIlroy Bank & Trust http://www.arvest.com/banking/?bank=fayetteville Moore Mortgage Corp. http://www.eobm.net/mortgage/city/alabama-susan-moore.html Pulaski Mortgage Co. http://www.pulaskimortgage.com/index.shtml Simmons First National http://www.simmonsfirst.com/ Springdale Bank & Trust http://www.arkbankers.org/bankers/bank_links.html Superior Federal Bank http://www.standardfederalbank.com/investments/asset_management.htSublet.com http://www.sublet.com/moving/homelink.asp Find Law http://news.public.findlaw.com/real_estate/ap/o/632/06-10-2005/c53b000Bank Insurance Investments Trust http://www.knbt.com/ World Bank http://www.worldbank.org/ Wachovia http://www.wachovia.com/personal/page/0,,11_480_514,00.html Irwin Bank http://www.irwinunion.com/ First Western Bank & Trust http://www.bankfirstwestern.com/ Union Planters http://www.unionplanters.com/ Barclays http://www.barclays.co.uk/ Inwood National Bank http://www.inwoodbank.com/ Canadian Western Bank http://www.cwbank.com/ Nevada State Bank http://www.nsbank.com/trust/index.jsp Western Security Bank http://www.westernsecuritybank.com/ MetroNet http://www.metrocreditunion.org/prodserv/mortgage/firstml.asp Sevier County HBA http://www.seviercountyhba.com/mountain_national_bank.html Community Housing Resource Center http://www.chrcatlanta.org/directry/MtnBnk.htm Raccon Valley Bank http://www.raccoonvalleybank.com/banking_agreement.htm Community Commercial Bank http://www.ccombank.com/ Pacific Continental The right Bank http://www.therightbank.com/about/community-relations.aspx Delynnk.com http://www.delynnk.com/ KarenWagner.com http://www.karenwagner.com/ Lyons National Bank http://www.lyonsbank.com/ Lorain National Bank http://www.4lnb.com/ Laredo National Bank http://www.lnb.com/ LandMark National Bank http://www.landmarknationalbank.com/stock_info.htm Mutual Bank http://www.mutualbanking.com/news.asp Commerce Bank http://www.commercebank.com/ Commerce Online http://bank.commerceonline.com/personal_banking/index.cfm Commerce Bank& trust http://www.bankatcommerce.com/ National Bank http://www.natlbank.com/ Find my bank.com http://www.findmybank.com/banks/30367.html Promise Finance http://www.promisefinance.co.uk/ National Guarantee http://www.nationalguarantee.com/default.asp?ngid=espotting+mortgageFreestyle Mortgages http://www.freestylemortgages.com/ Money Supermarket.com https://www.moneysupermarket.com/Mortgages/secure/DoctorLeads.aspKarstadt Quelle http://www.karstadtquelle.com/englisch/business/2001.asp Capterra http://www.capterra.com/mortgage-and-loans-software Vectra Bank http://www.vectrabank.com/ Alpine Bank http://www.alpinebank.com/ Bank of Colorado http://www.bankofcolorado.com/

http://www.firstfinancial.org/

http://www.firstnational.com/fnb/personal/default1.asp

http://www.arvest.com/banking/?bank=fayetteville

http://www.eobm.net/mortgage/city/alabama-susan-moore.html

http://www.pulaskimortgage.com/index.shtml

http://www.simmonsfirst.com/

http://www.arkbankers.org/bankers/bank_links.html

http://www.standardfederalbank.com/investments/asset_management.html

http://www.sublet.com/moving/homelink.asp

http://news.public.findlaw.com/real_estate/ap/o/632/06-10-2005/c53b000c235d7006.html

http://www.knbt.com/

http://www.worldbank.org/

http://www.wachovia.com/personal/page/0,,11_480_514,00.html

http://www.irwinunion.com/

http://www.bankfirstwestern.com/

http://www.unionplanters.com/

http://www.barclays.co.uk/

http://www.inwoodbank.com/

http://www.cwbank.com/

http://www.nsbank.com/trust/index.jsp

http://www.westernsecuritybank.com/

http://www.metrocreditunion.org/prodserv/mortgage/firstml.asp

http://www.seviercountyhba.com/mountain_national_bank.html

http://www.chrcatlanta.org/directry/MtnBnk.htm

http://www.raccoonvalleybank.com/banking_agreement.htm

http://www.ccombank.com/

http://www.therightbank.com/about/community-relations.aspx

http://www.delynnk.com/

http://www.karenwagner.com/

http://www.lyonsbank.com/

http://www.4lnb.com/

http://www.lnb.com/

http://www.landmarknationalbank.com/stock_info.htm

http://www.mutualbanking.com/news.asp

http://www.commercebank.com/

http://bank.commerceonline.com/personal_banking/index.cfm

http://www.bankatcommerce.com/

http://www.natlbank.com/

http://www.findmybank.com/banks/30367.html

http://www.promisefinance.co.uk/

http://www.nationalguarantee.com/default.asp?ngid=espotting+mortgage

http://www.freestylemortgages.com/

https://www.moneysupermarket.com/Mortgages/secure/DoctorLeads.asp?gsl=1&p=0&bbcam=es_uk_Mortgages&bbkid=mortgage&x

http://www.karstadtquelle.com/englisch/business/2001.asp

http://www.capterra.com/mortgage-and-loans-software

http://www.vectrabank.com/

http://www.alpinebank.com/

http://www.bankofcolorado.com/



The Bank of Durango http://www.bankofdurango.com/ Bank of the SanJuans http://www.banksanjuans.com/ The1st National Bank of Durango http://www.fnbdurango.com/ Keystone Mortgage Services Corporation

http://www.keystonefunding.com/

Arete Mortgage http://www.arete.us/ Mohave State Bank http://mohavestbank.portalvault.com/ People State Bank http://www.psbnetbank.com/mhf.htm Community Bank of Florida http://www.communitybanknet.com/onlineFeatures.cfm Goshen Community Bank http://www.goshenbank.com/ The Berkshire Bank http://www.berkbank.com/default.asp?page=about The First National Bank http://www.fnbl.com/ Michiana's Finest Bank http://www.mfbbankonline.com/index.htm First Federal Bank Savings & CDS http://www.firstfedbankkc.com/SavingsCD/regularsavings.asp First Federal Savings & Loan http://www.firstfederalsl.com/aboutus.htm First Federal Savings of Lorain http://www.firstfedlorain.com/services/atm-locations.shtml Hillcrest Bank http://www.hillcrestbank.com/default.cfm Legacy Bank http://www.legacy-bank.com/ Legacy Bank http://www.legacybank.com/Legacy%20Mortgage/index.html Sunflower Bank http://www.sunflowerbank.com/sbweb.asp?page=sfbpersonal StillWater National Bank http://www.banksnb.com/stillwater/default.jsp United Prairie Bank http://www.unitedprairiebank.com/ Prairie State Bank http://www.prairiestatebank.com/ Weston Title & Escrow http://www.westontitle.com/banks_mortgage.html The First National Bank of Palmerton http://www.fnbpalmerton.com/ Fifth Third Bank https://www.53.com/wps/portal/pv/?New_WCM_Context=http://www.53.cWinter Wood Mortgage Group http://www.winterwood.net/ Family Mortgage Funding http://www.familymortgagefunding.com/ Mississauga4Sale.com http://www.mississauga4sale.com/bestrate.htm Kennebunk Savings Bank www.kennebunksavings.com Key Bank www.key.com First Horizon Home Loans www.firsthorizonusa.com/sanford Cousins Home Lending www.cousinshomelending.com Wells Fargo Home Mortgage www.banksis.com A Banknorth Company www.peoplesheritage.com Home Link Jumbo Mortgages http://www.homelinkmortgages.com/ 1st Trust Bank http://www.1sttrustbank.com/ M and T Bank http://www.mandtbank.com/ Habib American Bank http://www.habibamericanbank.com/aboutUs.cfm Wayne Bank & Trust & Co. http://www.waynebankonline.com/about_us/contact.html Silver State Schools Credit Union http://www.silverstatecu.com/ Buduchnist Credit Union http://www.buduchnist.com/personal.html Chaffey Fedral Credit Union http://www.chaffey.com/prodserv.html Coldwell Bankers http://www.newenglandmoves.com/home/index.htm Conant House Realty http://www.conanthouserealty.com/ First Farmers & Merchants National Bank

http://www.fandmbank.com/

First Farmers Bank & Trust http://www.ffbt.com/personal_banking/loans.htm First Security Bank http://www.farmersbank.com/

http://www.bankofdurango.com/

http://www.banksanjuans.com/

http://www.fnbdurango.com/

http://www.keystonefunding.com/

http://www.arete.us/

http://mohavestbank.portalvault.com/

http://www.psbnetbank.com/mhf.htm

http://www.communitybanknet.com/onlineFeatures.cfm

http://www.goshenbank.com/

http://www.berkbank.com/default.asp?page=about

http://www.fnbl.com/

http://www.mfbbankonline.com/index.htm

http://www.firstfedbankkc.com/SavingsCD/regularsavings.asp

http://www.firstfederalsl.com/aboutus.htm

http://www.firstfedlorain.com/services/atm-locations.shtml

http://www.hillcrestbank.com/default.cfm

http://www.legacy-bank.com/

http://www.legacybank.com/Legacy%20Mortgage/index.html

http://www.sunflowerbank.com/sbweb.asp?page=sfbpersonal

http://www.banksnb.com/stillwater/default.jsp

http://www.unitedprairiebank.com/

http://www.prairiestatebank.com/

http://www.westontitle.com/banks_mortgage.html

http://www.fnbpalmerton.com/

https://www.53.com/wps/portal/pv/?New_WCM_Context=http://www.53.com/wcm/connect/FifthThirdSite/Personal/Mortgages/

http://www.winterwood.net/

http://www.familymortgagefunding.com/

http://www.mississauga4sale.com/bestrate.htm

http://www.kennebunksavings.com/

http://www.key.com/

http://www.firsthorizonusa.com/sanford

http://www.cousinshomelending.com/

http://www.banksis.com/

http://www.peoplesheritage.com/

http://www.homelinkmortgages.com/

http://www.1sttrustbank.com/

http://www.mandtbank.com/

http://www.habibamericanbank.com/aboutUs.cfm

http://www.waynebankonline.com/about_us/contact.html

http://www.silverstatecu.com/

http://www.buduchnist.com/personal.html

http://www.chaffey.com/prodserv.html

http://www.newenglandmoves.com/home/index.htm

http://www.conanthouserealty.com/

http://www.fandmbank.com/

http://www.ffbt.com/personal_banking/loans.htm

http://www.farmersbank.com/



M & F Bank http://www.mfbank.com/ Farmers State Bank http://www.farmerstatebank.com/ Farmers State Bank http://www.farmersebank.com/ Federated Bank http://www.federatedbank.com/ Citi Bank http://www.fabtexas.com/

http://www.mfbank.com/

http://www.farmerstatebank.com/

http://www.farmersebank.com/

http://www.federatedbank.com/

http://www.fabtexas.com/

http://www.fabtexas.com/



Non Exclusive Option To Purchase or Lease

Date: ________

This option agreement is entered into between seller(s) and buyer(s) below, in consideration of and subject to the following terms and conditions.

1. Parties: ___________________________and / or assigns as Buyer and __________________________________ as Seller

2. Property Address: _____________________________________

_____________________________________________________

3. Offer: Buyer has the option to buy the property for $ __________ cash and / or lease the property $ ____________ per month.

4. Period: 30 days

5. Provisions:

Buyers shall endeavor to find an End-Buyer or End-Tenant and assign this option agreement him or her a fee.

Seller understands that Buyer is acting as a principal in the transaction and is not acting as a licensed real estate broker.

Upon Buyer’s exercise of this option, both parties agree to execute such further documentation as is required including a standard purchase and sales agreement or lease option agreement.

Seller may cancel this agreement at any time, before Buyer exercises the Option,- if they find their own buyer or tenant, or decide not to sell.



Seller agrees to allow buyer to advertise the property through any media including but not limited to advertising online, in newspaper , on MLS, and for sale signs.

If buyer does not give notice to Seller before the end of the 30th day after the date of this Agreement, that buyer is exercising the Option, this Agreement shall terminate and be void.

All parties agree that property is being sold in “as is” condition unless noted otherwise.

Seller agrees not to negotiate with prospects that Buyer sends to inspect the property.

6. Seller Added Comments: __________________________________________________________________________________________________________

Seller: _______________________________ Date: ___________

Seller: _______________________________ Date: ___________

Buyer:_______________________________ Date: ___________

Please Fax or send Acceptance Notification within 24 hours to:

____________________________________________________

_____________________________________________________

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