As you can see, there is almost no limit to the ways you can invest in real estate.

In fact, I'll teach you how - right on this website - IF you are patient enough! Nothing to buy ... no information withheld. You see, I am the guy who give you lots of content - FREE!

And For the First Time Ever ... I'm Not Only Pulling Back The Curtain And Showing You How To Make Money In Real Estate ... But I'll Be There In Person To Look Over Your Shoulder, Directing You Exactly How To Turn Your Real Estate Business Into Blockbuster Profits!

When it comes to real estate investing, there are a few things I love:

Making money out of thin air.

Getting "infinite" income.

Making money from someone else's loan.

Freedom of the deal ... once you set it, you forget it.

You don't need your own money, you don't need to qualify, you don't need a job, and you don't have to prove your assets. Most important, if your credit sucks, it doesn't matter!

I am both a Licensed Realtor and Licensed Mortgage Broker here in South Florida. I learned more "Secrets" about the Real Estate business from reading your products than I have in my entire five years of practice. Thank you again George. I am looking forward to meeting you in person. Ivan Alcoff Boynton Beach, FL

• NO Qualifying
• NO Cash
• NO Credit
• NO Job Verification
• NO Income/Assets Verification

I really don't blame you! After you spent lots of money on materials that don't work, and/or paid fees to membership sites that didn't help you, I understand you are very skeptical. Maybe even a non-believer.

Well, it's very simple. I'll show you my system in detail and you won't have to buy anything!

First of all, there is so much misinformation on the Internet about real estate investing that I can't blame you for being skeptical and not trusting anyone.

However, you are living in the most opportune time for buying real estate - EVER. And I'm not exaggerating when I say you can buy 40 - 60 - even 100 homes in the next 365 days. It's EASY and it's POSSIBLE!

If you don't own any investment properties ...
or if you don't control any real estate ...
or if you don't make any money from your real estate investments ...

If any of the above describes YOUR situation, study this website. The answers are here along with lots of FREE information!

It is ... IF you use alternative, creative methods. Let's go over the reasons why ...

1. In many areas property values have dropped and mortgage balances have increased. Many sellers are "upside down" in their mortgages. The last time this happened was during the Great Depression of 1929.
2. If you are a Realtor listing a property and expecting to be paid your commission by selling a home using standard tactics ... finding a buyer who can qualify, has the down payment, and can pay all closing costs ... well, in today's market of tight credit it most likely won't happen.
3. If you can offer the seller "zero costs" out of his pocket - and that you'll buy his home with no closing costs, no commission - what do you think the seller will say? Most of the time he'll say ... "Yes! Yes! I love this deal!"
4. What will the buyer say if you can show him a nice house in a nice neighborhood that requires no credit, no qualifying, and a low down payment? He'll jump at the chance to own that home - especially with the large down payments the lenders are asking for today!

I copy the bank! I observed how the banks make money and I started doing what they do. The difference is, I don't have to follow the same federal guidelines and regulations THEY must adhere to.

Let me sidetrack a little again ... I started investing in real estate in 1989 - almost 20 years of experience. I already did what other investors do!

I had rentals.
I did rehabs.
I looked for properties to "flip."

And I learned very quickly these were not the methods that were going to make me rich. Then I discovered the secret ...

By holding paper I make "INSANE INCOME" out of thin air. I'll prove it to you and I'll show you right here how it's done.

FIRST: Keep it very simple! You don't have to be a genius to own 100 homes.

SECOND: Buy homes from highly motivated sellers who have little or no equity in the property. I used to specialize in VA properties because the vets would buy with $1 down. Easy homes to buy 2-3 years later.

THIRD: Buy homes with the intent to resell them and create EXCITING TERMS for you and the buyer. I would hold onto the piece of paper called a NOTE which guarantees the buyer will pay the mortgage in full or lose the house if he defaults. Just like the banks do. All perfectly legal.

FOURTH: Don't get involved with programs rampant over the Internet like "subject to." You have no legal standing - you could lose all of your money and your investing days are over.

NOTE: I used to be a licensed Realtor. That means I went through an FBI background check, fingerprints, the works. Real estate has many government agencies that oversee the industry. I strongly suggest you do everything legally and above board. Everything I teach has a legal foundation. If you follow my system, you should avoid legal problems. Again - don't use "subject to" or YOU may be the subject of an FBI investigation.

"Got the book and LOVE the ideas in it! I'm one of those "geeks" who will do it all! The Creative Financing.......100% will get me in the door in my farm areas A LOT more often! What a super LISTING TOOL! Like all of your other stuff, it is something to bite into. It's not for everyone, but for agents with balls, it is the best thing on the market! My goal this year is to double my number of sales. Now, I am very confident I will do it! Thanks George!" Vincent Arcuri Tampa Bay's #1 Agent Since 1995 ERA Gulfcoast Realty

• Have the desire to become very wealthy.
• Have always wanted to be a real estate investor but just didn't know how.
• Need a home based business to increase their income.
• Want to retire but need additional income.
• Want to buy a home of their own but don't know what to do or cannot qualify due to bad credit, insufficient income, or not enough money for the down payment.
• Want to sell their homes for huge profits plus have additional monthly income from the sale of their home.
• Need a home and just do not want to go through the qualifying process for whatever reason.
• Are in any type of business. There is NO business that does not require the use of real estate.
• And, if you are a licensed Real Estate Agent, knowing all of the techniques in "Million Dollar Secrets" will help your sellers get their homes sold and for you -- UNLIMITED commissions from all the listings you will get.

So, if you don't want to become a millionaire, that's fine. If you just want to increase your monthly income, that's perfectly all right. "Million Dollar Secrets" will help you reach your goal. Even if you don't want to be an investor or you just want to buy your own home, "Million Dollar Secrets" will show you how to buy a home without too much hassle.

And if you are a licensed real estate agent, this program will show you how to make much, much more money on a home rather than listing it or selling it to a buyer -- at least five to ten times more!

"Million Dollar Secrets" will teach you revolutionary concepts in buying and selling real estate with No Qualifying, No Credit Check, No Income Verification, No Job, and No Money.

We will introduce you to techniques and rules of the game used by wealthy investors the world over.

1. You must use other people's money!
2. You must use other people's credit!
3. You must sell it before you buy it or pay for it!
4. You must use other people's labor!
5. You must create cash flow!
6. You must work with a good system using a "cookie cutter method" which you can use over and over !
7. You must share your wealth with others! You must give away some of your wealth without expecting anything in return.
8. You must give openly any knowledge you gained to anyone willing to work for it. Don't hoard what you learn.
9. You must have a mentor whom you follow. Copy them in the field you want to succeed. If they can do it, YOU can do it.
10. You must invest a portion of your income into high compounded interest situations. Your earnings must GROW every day.

This system works if You work! You cannot just dream about being wealthy ... you must take action and do something about it!

You may have to make some personal changes as well: a positive mental attitude, have the desire, determination, visualization to achieve your goal. No one else can do this but YOU!

TESTIMONIAL "Thank you, George, for all the outstanding information you have put together. I utilize some part of your various programs almost every day. I treasure your programs and wouldn't part with them for anything. You have helped me become a leader in my market." Phil Thomas, Realtor Clearlake, CA

George always believed that Real Estate is the only investment that will retain its value no matter what. Regardless that real estate in an area will go down, it is only temporary. In the last 2,000 years, real estate that went down always came back and then increased in value. Historically, real estate values keep increasing 6% - 10% a year. In some areas right now real estate might be depressed, but that does not mean that in a year or so it will not go back up.

For example: A few years back you could not give away real estate in Colorado or Texas. Today the prices of real estate in both areas are much higher than they were before the prices started to go down. In fact, real estate in both states is growing. The same happened in California - yes, it took longer than usual, but the market rebounded and prices increased again.

TESTIMONIAL Dustin Clark John L. Scott Real Estate Tacoma/Puyallup, WA "... I came to this seminar ... I felt it was necessary. I believe in George's stuff - I've read it. For me, I was coming for George, for the creative financing ... I got the knowledge I needed to help my clients, my customers ..." To watch the rest of this testimonial, go to the video by CLICKING HERE

In 1989 George and his wife, Arlene, got into action buying and selling real estate. They started calling "For Sale By Owners" from the newspaper. And it worked! The very first house they bought was from an ad that read something like this:

"$5,000 Down, No Qualifying, 3 bedrooms, 2 baths, Tile Roof, Owner will carry, $645/month, $87,500. "

George and Arlene got together with the Seller, put the house under contract to close in 90 days.The very next day they ran an ad which read:

"$8,000 Down, Assumable, No Qualifying, 3 bedrooms, 2 baths, Tile Roof, Owner will carry, $833.47/month, $95,000. "

This transaction started everything. They took an $8,000 check from the new buyer and when the check cleared they were ready to close on the transaction. Let's review it . . . . . .

1. George used someone else's credit - the person who originally qualified for the loan.

2. George used $8,000 from the new buyer for the $5,000 down payment to the seller and kept $3,000 profit!

3. George created monthly cash flow of $188 less a small second mortgage payment the original Seller was carrying.

4. George created a new mortgage in the amount of $87,000. The original mortgage was $73,171, a difference of $13,829. (In our Wealth Institute video we go into the details of this transaction and others as well as copies of the actual checks and documents.)

5. George's investment was secured by real estate. His monthly task was to receive a check in the amount of $833.47, pay the underlying 1st mortgage and small second, and keep the difference.

6. We must repeat over and over: You must sell it before you buy it! Everybody tells you to buy. But you can't make any money unless the property (or anything else) is sold.

This is how it all started. George and Arlene's first $8,000 check is below. Of course, the names, address, and bank account number of the buyers are whited out to protect their privacy, but you are looking at the actual check.

This is a perpetual "money making machine", with an infinite return on the investment, which was zero. Think about it. It boggles the mind! It sure boggled George and Arlene's minds because they figured if they could do one deal a week, they could make huge sums of money in one year.

TESTIMONIAL Golden Dawn Rickets RE/MAX Action First Realty Tampa Bay, FL "... I cannot believe the value we got out of this seminar. I already know I am going to make so much more money this year ... I can't recommend it enough ... George taught us so much about creative financing I know it is going to be a valuable tool not only for myself to invest, but to make my clients a ton of money ..." To watch the rest of this testimonial, go to the video by CLICKING HERE

[In the following example you'll see what happens when George had to foreclose on the buyers. Yes, it can happen, but it doesn't happen very often.]

George found this home in an upscale neighborhood, a very desirable location. This is exactly opposite of what other real estate "experts" tell you about buying and selling homes. They usually recommend fixer-uppers and blue collar neighborhoods. George believes the money is to be made with nice, clean houses in upscale neighborhoods.

He purchased this 3 bedroom, 2 bath home with 2 car garage, in-ground pool and built-in BBQ for $127,000 with $4,000 down on a Contract of Sale in March, with a closing date of September.

The Seller took a promissory note in the amount $4,000 - no money exchanged hands.

The monthly payment at 8% interest was $1,054. Using the same method you'll get in "Million Dollar Secrets", George Paukert, "Mr. Real Estate", ran ads in the newspaper and sold the house at $139,950. with $9,950 down, creating a new note of $130,000 at 8.75% interest and a new monthly payment of $1,190.

When George's corporation purchased the property, below is an estimate of how the numbers would work:

1. George gave the Seller $4,000 from the new buyer's down payment and kept $5,950. profit!
2. George created monthly cash flow of $136.33 for the length of the contract - 4.5 years - for a total monthly income of $7,634.00.
3. When the home is refinanced, George will receive $7,000+ from the note. This is the difference between the new note of $130,000 and the underlying mortgage of $123,000. Mr. Real Estate will actually receive more than $7,000 because the original older mortgage is being paid off faster than the new note of $130,000.
4. The real beauty of the deal is Mr. Real Estate actually makes 3/4% interest on the underlying loan which is 8% and the new note is at 8 3/4%.

   We want you to study the numbers above because they are the "Million Dollar Secrets".

In fact, you can start tomorrow and do the same things outlined in the two previous examples. Of course, each home is different, and therefore, each deal will be different.

This web site was created in 1996 and with some minor changes remains basically the same. The property we are using as an example was refinanced by the buyer and the real numbers are below. We want you to be assured that this is an example of an actual deal. The house exists. The buyers and sellers are real and we are for real as well.

Below you can see the actual results and exactly how the money was made ... the real, actual numbers - nothing withheld:

1. The property was sold to George's corporation by the original seller on March 25, 1995 for $127,500. The seller was relocating and wanted $4,000 when it sold. But he didn't have to leave until September, so he gave George until Sept. 30, 1995 to find a buyer. The original mortgage on the property was approximately $123,000 with 8% interest, monthly payment was $1053.87 including taxes and insurance. In August 1995 the property was sold for $139,950 with $9,995 down payment, interest rate at 8.75%, and monthly payment at $1190.00.

   Just a reminder: It's NOT illegal to buy property at a lower price and sell it at a higher price! This is done in every industry, every day of the week. It's the American Way - "Buy low, sell high."

2. For two years George made an income of $136.33 every month. You might say, "No big deal," but versus owning the property as a rental it is a big deal. We had no expenses - no vacancies, no repairs, no phone calls that the roof was leaking.
3. But life isn't always rosy. About two years after buying the house, the buyers started to be late on payments. George has stiff late penalties, so he usually doesn't care if payments are late. On the 6th of the month the penalty is $60 and on the 15th of the month, it is an extra $100. (George always makes one extra payment to the mortgage company so their payment is never late and the original seller's credit is never in danger.)

Another provision George has in the contract is that if the buyer doesn't pay in full, including late fees, within 30 days, the buyer's status changes to tenant and is subject to eviction in 5 days. Remember, each state is different regarding tenant laws. In some states you'll never get anyone evicted! But in Nevada, it is 5 days pay or quit.

Anyway, the buyers became gamblers and lost their jobs, so we had to foreclose. George hated to do it, but when gambling takes over people's lives, it is too late. The buyers were foreclosed on, but were allowed to stay in the house - as long as they kept it clean - until a new buyer could be found.

4. And a new buyer was found. This house is located in an excellent neighborhood - properties like that always sell well. Even though there were some minor repairs like cleaning the pool and shampooing carpet, George still gave the former buyers - now tenants - $1,500.00 so they had some money to move. He could have given them nothing - according to the contract, but they had small children and he didn't want to see them on the street. Hopefully they didn't blow it away in the casino.
5. The new buyer had a choice: To buy the house on a new contract (financially more beneficial to George and his corporation) or just assume the old contract which was already paid down for two years. The buyer decided to assume the old contract. Just one simple piece of paper gave them equitable title to the property. Of course, first they had to pay the corporation $9,995 as a down payment.

   This buyer was OK. Regardless there was some severe illness in the family, they managed to keep the contract and, when the contract came due, they were able to refinance the property in April 2000.

Here is the total math:

INCOME:
Down payment from Buyer #1	$9,995.00
Down payment from Buyer #2	$9,995.00
Cash flow of $136.13 for 56 months	$7,634.48
Final payoff of the difference between the seller's original mortgage and our mortgage	$7,183.22
TOTAL GROSS INCOME	$34,807.70
EXPENSES:
Down payment paid to original Seller	$4,000.00
Money paid to 1st Buyer	$1,500.00
Repairs - cleaning pool, mowing lawn	$ 200.00
Carpet cleaning	$ 100.00
Advertising (estimated)	$ 300.00
Miscellaneous	$ 100.00
Total Expenses (estimated)	$6,200.00
NET PROFIT:
Net Profit over less than 5 years	$28,607.70

Below is a copy of the payoff check from the escrow company when the property above was refinanced.

TESTIMONIAL Alexander Hernandez The Warrior Broker Miami, FL 305-525-3695 www.ownmiami.net "... I was a little skeptical, there are a lot of seminars out there ... [this seminar] is mint. I learned more at this seminar than I learned in all the years. And I'm 10 years in this business ... It has changed the way I see the business ..." (Alex also gives his testimonial in Spanish for the Spanish-speaking community.) To watch the rest of this testimonial, go to the video by CLICKING HERE

George Paukert, "Mr. Real Estate", is a real live person and was a licensed real estate agent in the state of Nevada for ten years. The examples are actual homes he purchased. The numbers are the actual numbers from the transactions. No other "guru" will show you actual checks or give you full details on how their own deals were done.

You don't need a real estate license to buy and sell real estate as a real estate investor. Sometimes having a license may help. Other times, it may hinder you.

Consider these facts ...

• You don't need your own money - as you saw in the example above.
• The buyer pays all the expenses for repairs and improvements because he has equitable title to the property.
• There is nothing illegal in this transaction because actual title (called fee title) was never transferred until close of escrow when Buyer #2 refinanced the loan.
• No matter what vehicle you use - Contract for Sale, Contract for Deed, Land Contract, or Lease Purchase - they are all basically the same vehicle. The only difference is in the wording which must comply with contract law.

Some people ask if it's a risky business. The real answer lies in the question, "How much risk do you take if you never had any of your own money in the transaction?"

If some negative people tell you it is impossible, illegal, unethical, troublesome, it will never work, or whatever else they can think of, ask them how many investment houses they purchased and how much money they made on it. Do yourself a favor: Get all negative people out of your life!

George is always getting emails from people living outside the USA if his system can be used in their country. The answer is that it certainly can. It goes back to contract law. The wording in the contract must comply with contract law of the country where the property is located.

George Paukert, "Mr. Real Estate", is a real live person and was a licensed real estate agent in the state of Nevada for ten years. The examples are actual homes he purchased. The numbers are the actual numbers from the transactions. No other "guru" will show you actual checks or give you full details on how their own deals were done.

You don't need a real estate license to buy and sell real estate as a real estate investor. Sometimes having a license may help. Other times, it may hinder you.

Consider these facts ...

• You don't need your own money - as you saw in the example above.
• The buyer pays all the expenses for repairs and improvements because he has equitable title to the property.
• There is nothing illegal in this transaction because actual title (called fee title) was never transferred until close of escrow when Buyer #2 refinanced the loan.
• No matter what vehicle you use - Contract for Sale, Contract for Deed, Land Contract, or Lease Purchase - they are all basically the same vehicle. The only difference is in the wording which must comply with contract law.

Some people ask if it's a risky business. The real answer lies in the question, "How much risk do you take if you never had any of your own money in the transaction?"

If some negative people tell you it is impossible, illegal, unethical, troublesome, it will never work, or whatever else they can think of, ask them how many investment houses they purchased and how much money they made on it. Do yourself a favor: Get all negative people out of your life!

George is always getting emails from people living outside the USA if his system can be used in their country. The answer is that it certainly can. It goes back to contract law. The wording in the contract must comply with contract law of the country where the property is located.

This is exactly the same procedure you would use to sell a car. If you see an ad for a car in good running condition, but it is dirty, you buy it for $250. Just clean it up - wash it and wax it - and voila - it is now worth $600! If it is legal to do this with cars, it is certainly legal to do it with houses. Buy low - sell high!

People are always trying to find fault with the system instead of discovering the beauty of its magic. Those people just don't want to make money!

The most questions and the most OBJECTIONS I get concern the Due on Sale Clause. You can find a detailed explanation by Clicking Here.

What you need to do is to let people know you are in the business of buying houses. The more aggressively you market yourself and your business, the more houses will be offered to you. If nobody knows you are in the business, no houses will be offered to you. Simple as that.

Here is a picture of George hard at work in his office putting a real estate deal together:

When I started to invest in real estate I had no goals, no plan. A bad idea. But there was a good reason for this.

I really didn't know where I was going with my investing business ... until that famous day when I discovered that I created an AWESOME program for investing in real estate.

Here's the real story ...

I got involved in real estate investing when my wife and I moved from New Jersey to Las Vegas, NV. I bought my first investment property in 1989 and a few more in 1990. At that time there were plenty of "assumable, no qualifying" loans around, so it was easy to buy homes and resell them.

In the meantime the government felt that it was too easy for investors to buy these homes with no qualifying so they decided to change things...

• As of March 1988 all VA loans were assumable WITH qualifying.
• As of December 1989 all FHA loans were assumable WITH qualifying.
• And, of course, all conventional (non-government) financing followed suit.

What was I going to do? In order to assume those loans, everybody had to qualify. And to get new financing, you needed a sizable down payment, excellent credit, and a minimum of 3 years in the "same line of work."

In other words, the government put me out of the investing business! I had some properties but thought I couldn't buy any more ... until that miracle day that changed everything. This is what happened ...

At the time I was also a Realtor as well as an investor. I was on the way (I didn't know it yet) to becoming a big producer.

I had a very nice listing on the west side of town - a newer home built in 1990 - that was sort of pricey for that time ... $189,950. It even had a covered patio and an in-ground pool and spa.

The seller was highly motivated to sell. He had just been offered a super duper job in another state. He had to move ASAP!

One evening I got a call from someone who got hold of my flyer advertising the home. He said he and his wife wanted to see the home the next day. They were moving to Las Vegas from Utah and needed a place to move into fast.

So, the next day I met the buyers and showed them the house. They loved it and wanted to buy it. However, they could not qualify for a new loan because the husband was changing his "line of work." Totally absurd.

Here was a guy who was doubling his salary but since he was leaving the construction industry and getting a job as a supermarket store manager, he was locked out of qualifying for a new loan. After all, he wasn't in the same line of work for 3 years. Nuts! They even had $25,000 for the down payment!!

So, here I am in the middle. The seller calls me every day and tells me he needs to have the house sold. The buyer calls me and tells me he and his wife really want that house. And here I am - I could make almost $14,000 in commission. What do I do?

The existing financing on the house was a VA loan. The seller had bought the home with $1 down in 1990. That meant the loan was assumable WITH qualifying! But these buyers could not qualify for at least 3 years. What do I do?

My wife called the VA office in Reno, NV and explained the situation to one of the loan people in the office and asked if the VA would allow us to do a Contract for Sale. He said the VA does allow that and he even bought his home that way. But he suggested we write to the main VA office in Los Angeles. He gave my wife the address where to send the letter.

So, I did what I thought was the most stupid thing I could .. I sent a letter to a government office - specifically the Veterans' Administration to the attention of the Loan Processing Department. Normally letters like that go in the trash - unanswered - because that's how government agencies work.

To my surprise, I got a personal answer (not a form letter) signed by the Assistant Chief of Loan Processing at the VA in Los Angeles. (You can see a scan of the letter by Clicking Here.

This became a very famous letter. Not only did it change my Realtor business, but it also changed the title/escrow business in town. What's more important, it completely changed my investing business!

The letter is rather long (typical government official), but to sum it up it said ... it is perfectly legal to use a Contract for Sale to buy or sell homes that are not assumable or require qualifying for the assumption.

This letter was like a bomb hit the town ... but nobody knew about it yet. I was the first person to benefit from it and I was on the way to making lots of money by holding paper on lots of properties as well as helping clients buy and sell their homes. (But I didn't know that yet.)

Can you imagine becoming an expert on Creative Financing and run that business without any real competition for 5 - 7 years? That's right - 10,000 real estate agents were watching while I was putting deal together one after another. No competition. I found this to be incredible.

Anyway, we sold that home on the west side to those buyers. Everybody was happy. This is how the sale progressed ...

We already had the VA letter in our hands that advised us it is perfectly legal to sell any property with a VA loan - even assumable WITH qualifying - using a Contract for Sale.

The next step was to find the best real estate attorney in town. And I did. He said the cost of the contract would be $700. The seller said that was OK and he will pay for it.

I was amazed that the attorney just entered the names of the sellers and buyers, the address, and the terms - it took about 15 minutes. Then he hit the button and voila ... the printer spit out an 11-page contract and we were ready to go.

I offer this identical contract that was filled out by the attorney along with a blank copy for FREE - with the purchase of "Guerrilla Tactics for Selling Any Investment Property!" You'll find a link for details at the end of this page. It should be very easy for you to follow. (Or you can go see an attorney, spend big bucks, and get the same in return.)

This deal opened the doors for sellers, buyers, and investors. And ME! Now I could ...

• Buy properties with VA loans and close on them in 24 hours.
• Get any buyer into a home using creative financing.
• Sell my listings in 30 days - plus I'll make ten times more money for the seller than any other agent.

My reputation started to grow. And when I started doing seminars, got on TV with my commercials, and created a weekly radio show called "The Real Estate Forum," my business began to grow exponentially!

Here are some excerpts of letters from my satisfied buyers and sellers ...

• I guaranteed them a sale in 30 days for more money than any other agent could get for them. Nobody else in town could deliver that!
• I ran ads for buyers that basically said ... "I'll get you into a home without qualifying or credit needed."
• At the seminars I had investors throwing their rental properties at me with a simple request ... "Sell them so we can hold paper like you do and make money like you do."

I got 40 listings from just one investor and I turned them all into high profit real estate machines. The investors couldn't believe how much I had changed their business...

They no longer had to deal with tenants. They had no work, no expenses. They just collected their check every month and ran to the bank to cash it.

What was really mind-boggling was that no Realtors were competing with me. They were just watching me for years and doing nothing about it. Amazing.

So, this is how I became a big time investor. I never told anyone how many homes we had nor how much money we make. Besides, all of our real estate was in different corporations and trusts. That's exactly what you should do, too.

Yes, there were lots of growing pains at the beginning. No escrow or title company was willing to handle the closing on my west side deal. No title company was willing to give the buyer title insurance.

I resolved all those problems! Plus, I improved the system in all directions. So, don't think it was easy being a pioneer.

You may run into similar problems depending on where you are located. The solution is to find a real estate attorney - even if he's in another town. For money they'll handle any deal.

Then look for a small escrow company that is hungry and needs the business. That's exactly what I did.

And if you're a Realtor reading this story, you can do exactly what I did. You can create a niche in the business that is without competition. And that's huge because you offer programs nobody else has or knows what to do with them.

TESTIMONIAL Howard DeRias Sellstate Innovative Realty Atlantic County, NJ www.hdsells.com "... little did I know I was in for a real treat ... I want to be the #1 agent in Atlantic county [NJ] ... George and Arlene - what can I say? I've never met people who were as hardworking and dedicated to the real estate profession ... I purchased everything they have here. I will make a mint with the information they have given me. This was a very special and unique seminar ... it was absolutely awesome." To watch the rest of this testimonial, go to the video by CLICKING HERE

[The following concepts and systems aren't found in any real estate school, real estate training course, or any other real estate website. It's only being taught by Mr. Real Estate!]

As I said earlier, I'm going to teach you my "Million $$$ Secrets System" for buying and selling real estate. You don't have to buy anything. Of course, you should get all of my materials for your reference. Besides, you need all the forms that come on the CD.

We recently opened a membership site called "Mr. Real Estate's Inner Circle" for investors AND for Realtors. The Discussion Forum is where you can post your questions and we discuss the answers. Lots of members are seasoned investors. That's where you get real answers and real discussions. The Forum is for MEMBERS ONLY ... you can join at ....

In the next section below you'll find a brief review of my system:

• There are always TWO deals - totally separate from each other.
1. The FIRST deal is when you buy the house from the seller.
2. The SECOND deal is when you sell that same house to a buyer.
These deals have NOTHING to do with each other! The seller has nothing to do with the buyer and the buyer has nothing to do with the seller.
• When you sell the house to your buyer, you create a new mortgage and a new note on the property. This is what your buyer owes you.
• Of course the new mortgage/note is HIGHER than the underlying mortgage. The loan balance, interest rate, and payment are higher than those on the underlying mortgage. If necessary, put all the necessary fees into the buyer's monthly payment. Why? Because you want monthly CASH FLOW!
• You sell the property for more money! You're probably asking yourself, "How can I do this, especially in today's market?" The answer is simple. Today it's very difficult for buyers to qualify for mortgages. They need a substantial down payment and funds for closing costs.

  The buyer is NOT concerned about the selling price. The buyer is more concerned about the monthly payment! After all, car dealers sell cars based on monthly payments and low down payments. Same with houses.

We're going to start with an example of a real deal. This was not one of my investments, but you'll see what I did for thousands of my clients. I made them rich!

Each home and each deal is different - subject to the loan on the property and market conditions in a particular area. Here's a detailed explanation ...

Below is a testimonial letter I received from the sellers, Marge and Richard Scanlon. Until now, I was just posting all kinds of letters and testimonials on my web sites. Then I decided it was time to explain why the people wrote those testimonials and what I did for them that is so special.

Here's how I met the Scanlons. When I was a Realtor, I would call all the For Sale By Owner (FSBO) ads in the paper. The Scanlons were trying to sell their home "by owner."

They really didn't want to talk to me at all. The reason was that they could not list their property with a Realtor because there wasn't enough money in the deal to pay the commission.

I said, "Let me stop by and perhaps I could figure out a way to help you. Let's not worry about the commission right now." They agreed.

While meeting with the Scanlons, I learned that one of their problems was that they bought into a heavily advertised liquid paint (for the exterior of their home) that was guaranteed to last for 30 years. So they didn't have to pay for it up front, the paint manufacturer created a second mortgage against the property.

Keep in mind that each home is different and will most likely need a different solution. First read the testimonial and then we'll analyze it ...

Here's the financial picture on the Scanlons' property ...

• The home would have appraised at $120,000 if sold on a new loan. The Scanlons had an FHA loan - they had put 5% down - and their interest rate was 9%. Their monthly payment P & I (principal + interest) was $840.83. They had already made 4 years of mortgage payments.
• The second mortgage (2nd trust deed) from the liquid paint company was in the amount of $5,600 amortized over 6 years at 10% interest with a monthly payment of $103.78.
• Taxes and insurance are the last part of the puzzle. Don't mix them at this stage - just keep in mind you have to know these numbers before you finalize the deal. You'll need to figure 1/12th of property taxes and 1/12th of homeowners insurance and add then on to the monthly payment.

Disclosure: Time has passed by since this actual transaction occurred. The numbers in this example may not be 100% accurate, but they are very close.

The tasks that had to be accomplished ...

• Offer attractive terms to a buyer.
• Have the buyer pay off the second mortgage.
• Create income for the Scanlons from the property.
• Get a large enough down payment so the Scanlons could buy another home and pay the real estate commission.
• Do everything 100% legally so there are no possible law suits in the future and everybody's "stake" in the house is fully protected. Who had a stake in the property?
  • The Scanlons
  • The lender
  • The liquid paint company
  • The state - property taxes
  • The homeowners insurance company
  • The buyer
  • The Realtor (Mr. Real Estate was the Realtor who created the deal.)
  • The broker of the real estate office
  • The title company (title insurance)
  The task was to do everything 100% legally
  and protect everybody's interest!

My meeting with the Scanlons went like this ...

• If the Scanlons listed their home, paid off their 1st mortgage, paid off the 2nd mortgage (the liquid paint), paid commission and closing costs, they would hardly net $2,500 from the sale of their home. That certainly wasn't enough for a down payment on another home.
• The Scanlons were trying to sell their home "by owner" for nearly one year. That's when I appeared on their doorstep.
• The first thing they told me was that they could not list because they can't net enough money to buy another home.
• I reviewed the sales and activities in the neighborhood. I gathered all the information about their loans and payments. I then played with my financial calculator, writing down and crossing out number on my pad.

  The Scanlons Thought I Lost ALL
  Of My Marbles When I Said ...

  • "I can sell your home in 1 - 3 weeks at the most."
  • "I can create substantial monthly income for you from the sale of your home."
  • "I can get you at least $40,000 MORE than any other agent can - or you could make by yourselves."
  • "Since your house is mostly unfurnished, I'll help you get some furniture so the house is more attractive to buyers."

  Even though they thought I was crazy, they listed with me that afternoon.

Here's the deal I created and the ad in the paper that appeared in the newspaper after I listed the Scanlon's home ...

NO QUALIFYING
NO CREDIT CHECK
$12,950 Down
Immediate occupancy, 3 BR,
2 BA in nice neighborhood.
Selling price $139,950, monthly
payment $1203, interest 10.5%.
Open House Sunday 3/14 - House
must be sold by 5 PM on 3/14.

Let's recap ...

• The Scanlons' home would have appraised at $120,000. If we offered terms to the buyer, we could easily sell the house at $130,000 - or at $140,000 if the market was extremely strong. We opted for the price of $139,950.
• The Scanlons bought the house 4 years before - paid $110,000 with 5% down ($5,500) with a mortgage balance of $104,500, amortized over 30 years at 9% interest which gave them a monthly mortgage payment of $840.83.
• At the time they decided to sell, the Scanlons had paid down their mortgage for 4 years which gave them a mortgage balance of $101,217. Note: Over those 4 years, the Scanlons paid over $37,000 in interest! That's why I teach my students and clients to become the bank and make infinite income!!

• The year before they decided to sell the house, they took out a second mortgage for the 30-year liquid paint for the exterior of the house - $5,600 ... 10% interest with a monthly payment of $103.78 for six years.
• I purposely used the higher selling price of $139,950 because I knew we would need some "negotiating" room in order to settle the deal. And we did. The buyer agreed to buy the house for $134,950

Below are some video testimonials you can watch. Click on the appropriate link to see what Mr. Real Estate's satisfied clients have to say ... For High Speed Internet Connections, Click Here For Dial-Up Internet Connections, Click Here

FIRST PART OF CREATIVE FINANCING:

• Determine the terms you can offer the buyer in order to sell the home quickly.
• Determine how much cash you need NOW and how much you are willing to take later.
• Determine how to structure the deal.

Let's analyze the deal ...

The Scanlons' total monthly payment was $1,032.06 ...
$840.83 - 1st Mortgage Principal + Interest (P & I)
$29.16 - 1/12 of insurance
$58.33 - 1/12 of property taxes
$103.74 - 2nd mortgage for liquid paint

If your house is worth $250,000 or $500,000 or more, the process and the system is still the same!

The buyer purchased the home for $134,950 with $12,950 down with no qualifying and no credit check. The numbers for the buyer are ...
$122,000 - Buyer's new mortgage balance amortized over 30 years at 10.5% interest
$1,115.98 - Buyer's Principal + Interest (P & I)
$29.16 - 1/12 of insurance
$58.33 - 1/12 of property taxes
$1,203.47 - Buyer's TOTAL monthly payment

This gave the Scanlons a modest monthly cash flow of $171.41!
I turned the Scanlons into BANKERS!

Remember, the Scanlons wanted to sell their house, get some cash for a down payment on a new home, pay commission and closing costs, and get rid of the second loan against the property.

This deal did MORE ...

• It gave them extra monthly cash.
• It gave them a modest financial explosion six years later!

For six years, the Scanlons were the bank - they were holding the mortgage for their buyer. And, yes, it's perfectly legal to create a new note and become the bank.

Further, by using a Contract of Sale every party in the transaction is fully protected!

Now, let's look at what happened six years later ...

• The Scanlons' original mortgage (started at $104,500 at 9% interest) was paid down 10 years later to $89,854.
• The note they created and the mortgage they held for the buyer started at $122,000 at 10.5% interest. Six years later, the buyer's note was paid down to $117,166. NOTE: The Scanlons were paid $75,517 in interest alone. (All numbers are rounded off.)
• Six years later - at the final close of escrow - the Scanlons received a check for $27,312.

How? Or why did the Scanlons receive this "explosion?" This is very important, so please read it carefully.

The mortgage the Scanlons held for the buyer was paid down to $117,166. The Scanlons' original loan (which stayed in place) was paid down to $89,854. The difference between both mortgages was $27,312.

Now let's see how big a windfall the Scanlons had from this one property ...

• $12,950 - Buyer's down payment
• $12,342 - Total monthly cash flow ($171.41 for 72 months)
• $27,312 - Difference between the their original mortgage and the buyers mortgage
• $52,604 - Total Income
• Less $ 9,447 - Mr. Real Estate's commission
• $43,159 - TOTAL NET INCOME

The Scanlons didn't pay any closing costs at the final closing when the buyers refinanced in the 6th year. In the contract it was agreed that closing costs would be the buyer's expense. And they paid very little in the way of closing costs at the beginning of the deal because there were very few costs which were split between buyer and seller.

If the Scanlons sold the property the conventional way at $120,000, paid off their 1st loan - $101,217 (after 4 years) and the 2nd note - $4883 (after one year), commissions of $9,447, and approximately 2.5% in closing costs that sellers customarily pay such as title insurance and appraisal, about $3,000 ... the Scanlons would have made a net profit of $1,453.

I know it isn't easy to accept the concept. But I have thousands of customers and clients who benefited from my teachings and I have plenty of testimonials to prove it in print and on video .... you'll find just a few of them scattered throughout this web site.

• Owning your own home?
• Financial security for your family?
• Wearing expensive clothes and jewelry?
• Shopping in the best stores around the world?
• Having a collection of art or other collectibles?
• Owning a luxury car or sleek sports car?
• Enjoying leisure time on your own boat?
• Having vacation homes around the world?
• Always having lots of money?

Is this an impossible dream? IT IS NOT! These are the benefits if you get involved - NOW!

Starting TOMORROW, you could be on YOUR road to wealth. Your luck has already changed just by getting this powerful information in your hands.

Mr. Real Estate has tested these methods for the past 19 years. He improved the program as he went along and tested these techniques time and time again.

The techniques used in "Million Dollar Secrets" have been reviewed with legal experts and escrow officers and are being improved upon every day.

It is up to you how hard you work and how much money you will make. We can only give you a method -- a system developed from knowledge and experience.

This system works! We can prove it works from the past experience. You have seen actual examples of properties on which George has used these techniques.

And to get you started with the "Million $$$ Secrets" System, we have a special offer for our start-up video package. You'll get a 2+ hour DVD of one of our "Wealth Institute Workshop" along with a special publication, "Insider Secrets to a Real Estate Money Machine." The package is an introduction to Creative Financing to help you learn and understand the concepts.

Here's the TV commercial we run for this package ...

To play the video click on the small black square in the control panel.

On the video you will meet George Paukert, "Mr. Real Estate", and Robert Allen, a very successful investor who has bought and sold over 150 properties in the Las Vegas area and still owns a substantial amount of real estate.

• What is "creative financing?"
• What are "assumable, no qualifying" properties?
• What is a "wrap around mortgage?"
• How to buy a BRAND NEW home using creative financing!
• Do you have to own the property to sell it?
• Trading goods/services for a down payment!
• How to get the highest possible price for a home by offering terms!
• How to negotiate!
• How to make money on loans you don't own!
• An example of a REAL nothing down deal!
• Guest speaker from an escrow company talks about the legality of the Contract and putting a contract on top of a contract. He also reveals the real truth about the "due on sale clause."
• What is a Contract of Sale?
• What are the advantages for the Seller?
• What are the advantages for the Buyer?
• How to use a Promissory Note as Earnest Money Deposit.
• How to avoid the foreclosure process if your buyer defaults and how to get your property back in 30 days!

Here's what you'll find in the "Insider Secrets" Guide ...

• An actual transaction explained step-by-step in detail so you can understand how it was done.
• Getting started as a real estate investor - what to do.
• How to talk to landlords.
• How to talk to home sellers.
• How the numbers must work.
• Never, never use your own money!
• How to find homes to buy.
• Ideas to help you succeed.
• Property Information Profile and how to use it.
• How you can get started TOMORROW!

"Well, I'm reporting in to let you know I closed on the home I had under contract. Here's the short of it: I put the house under contract on April 24th, for $150,000 with $7,000 down payment. Sellers to carry the balance of $143,000 with monthly payments of $1270.44 per month, with a balloon in 5 years. I sold the house on May 15th for $160,000 with $12,500 down payment. I am carrying the balance of $147,000 with monthly payments of $1299 and the new buyers pay the homeowners fee of $300 a year. ... I made $4,870.00 profit on this at closing. I will still make another $4,500.00 at final closing (when the buyers refinance). Not bad for not using any of my own money. I still had to spend $200 for advertising, but with your help, I did it! I learned a lesson on this deal about how to buy and how to sell. Just wanted to let you know and say thank you again and again, because, without your knowledge, I would never have been able to do this deal. Thanks, and God bless you." Deb K, Charlotte, NC

Remember the SPECIAL BONUS - you'll get a certificate for a FREE boot camp worth $3,000 - in December for 3 days in sunny Florida. You can attend our December investor's meeting for FREE by purchasing the DVD package, or you can pay $3,000 - that's up to you.

Get your "Million $$$ Secrets Package online - use our SECURE shopping cart button below:

During the 3 days in December, we'll talk about all the details necessary for you to do deals. I expect every one coming to the boot camp to own at least two homes and/or holding paper on at least two homes.

TESTIMONIAL Collin Forde ERA Showcase Brevard County, FL www.collinfinehomes.com "All the seminars I have been to have been nothing like this one. I don't have to attend any other seminars, only seminars put on by George. The other trainers - forget it ... I'm pumped up and ready to go ... I intend to be #1 ... George is 'Mr. Real Estate' - I'm going to be 'Mr. Brevard' ..." To watch the rest of this testimonial, go to the video by CLICKING HERE

Fill in the form below and we'll rush you our BRAND NEW report ...

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"George provides down to earth, this is what to look for, this is where to find it, and this is what to do with it information. All you have to do is follow the steps ..... George does not use "it just so happens" type scenarios used by others to make their examples work. It's straight forward "do what I do." An outstanding value for all." Glenn Erwin, Nevada

Use other people's money.
Use other people's credit.
Use other people's labor.
Create cash flow.

DISCLAIMER: The monetary results mentioned here are the results of hypothetical cases. Your level of success depends on the time you devote to the program, your finances, knowledge, and various skills. Additional factors for success are your will power, and perseverance. Since these factors differ according to individuals as well as location and state/county/local regulations, Road to Wealth, Inc. cannot guarantee your success or income level. Nor is Road to Wealth, Inc., George Paukert, or Arlene Paukert responsible for any of your actions.

1. Huge monthly cash flow
2. Huge financial explosion at the final closing
3. Once you sell the property, the buyer is the OWNER - not a tenant. He cannot call you to make repairs of anything.
4. The Contract for Sale gives you 100% protection. It's perfectly legal and covers all points that could arise in the future. It also protects the other parties to the deal - the original seller, the buyer, and YOU!
5. You get to deduct the full mortgage interest on the original loan - including property taxes and expenses. How? I discuss this in my books.
6. There is NO public record that you - or your corporation - owns the property. IRS doesn't even know - unless you tell them.

"Thank you for the quick delivery of your video and "Insiders Secrets" report. I have already read through the report (which I received yesterday) and I am reading through it again. I have never seen someone "literally" give away his "Tricks of the Trade" and for FREE! Thanks George." Patrick W. Washington, MI

• 2+ Hour DVD of a LIVE Wealth Institute Workshop + the start-up guide "Insider Secrets to a Real Estate Money Machine" - VALUE: PRICELESS! Your Cost: Just $49.95
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"Recently I purchased your books, forms kit ... Your books are clearly written and, in detail, explain everything necessary to achieve financial independence ..... I also appreciate the fact that you have shared your knowledge of "how to do the deals." I have never received so much advice and knowledge from any other real estate books and you are the only real estate professional who has "been there, done that" and tells it like it is." Gary Knodle, Texas

I wish you every success in real estate investing.

Think, act, and grow rich with us,

George Paukert
Mr. Real Estate

P.S. I'm here to help you! We are building a new membership site for investors which includes a brand new web board, new websites, and all training materials are being re-edited just for investors. Please be patient - it can't happen overnight - but we're working as fast as possible.

George, we have sold and then bought 10 houses in about 2 1/2 months. We are also slapping notes on the properties to create a positive cash monthly income ... We haven't met you personally, but we feel as though we have. Thanks for putting up your website. Secretly we have made a lot of money." Tim and Russ, Sacramento, CA

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