I'm in the process of buying my dad a condo in Florida.

And to get MAX leverage, it's best to put down a down payment and take out a mortgage.  I love this strategy because I can pay off the mortgage quickly and it gives me a nice boost on my personal credit reports.

So...I'm used to the loan process.  I've been through it many times.

But this year -- 2024 -- there's something weird going on.

The mortgage lenders and banks have become so much more STRICT than they've ever been...likely already seeing troubled waters down the road with elevated foreclosures and short sales on the books...information that the rest of the population doesn't get to see until it's too late (and the market is collapsing around our ears).

My mortgage broker took my exact information from last years' house purchase...a house I've already paid off.

On top of that, I'm getting a loan for HALF the amount of my house, again, using the SAME financial info from last year with a HIGHER FICO this time around.  So...by all accounts, I should be qualified with flying colors, right?

This is when things got strange.

I get royalties from my book The Lost Secret.  Royalties are pretty important in the world of getting a personal mortgage, believe it or not.  It considered the highest form of income for some reason.

But what she asked me for next kind of shocked me.  She said, "Can you get some royalty statements for the next 3 years?"

Huh?

I then asked her, "Can you get me your bank statements for the next 3 years?"

Because that's just how freaking ridiculous her request was.

A royalty statement is much like a quarterly bank statement that you'd only get AFTER the close of the prior quarter.  (No before, obviously.)

So, for someone -- ANYONE -- to ask me for the next 3 years of these royalty statements is essentially asking someone to commit fraud.  She wanted some Excel spreadsheets from the publisher and I asked her how getting this paperwork was possible.

She didn't provide an answer which means... "Just doctor them up, baby!"

I refuse to commit loan fraud.  NOT happening.

I had to pull my loan from her and give it to a different broker who was able to get me the loan I needed within 48 hours.

Utterly ridiculous.

My point here is this:  I have pristine credit (800+ FICO), no debt, and a REALLY good income.  And yet here, in 2024, I'm barely able to qualify for less than 1/3 the amount of personal mortgages I had last year (that are ALL paid in full, by the way) using the exact same paperwork (tax returns, etc.) I had last year.

This means that the tides are changing in the mortgage lending industry to mitigate future loss...that's coming like a tsunami.

So, what do you do if you want to make money in real estate?  How do you buy a property if lenders and banks are more strict THAN EVER?

I have ONE strategy that you can use.  And it's so simple, so effective, and so freaking amazing, you'll wonder why you haven't been using this secret all along.

CLICK HERE to find out all about it.

Listen, the economic sands are shifting again.  And it's happening quick.  It's almost like dealing with a leaky damn that's about to break.  And when it breaks, it'll happen SUDDENLY without warning, like an explosion.

Those of us who watch the economy -- we won't be surprised.  Those of you who have been ticking along -- thinking everything is A-OK -- you'll be caught with your pants down.

Do you really want that?

I didn't think so.

CLICK HERE to find out how you can wildly profit with this upcoming economic tsunami that's close up ahead and how you can get cash flowing properties left and right with this ONE little "no credit" strategy.

See you at the top!

Your mentor,

Monica Main

P.S.  I shot a quick video last week that explains my entire wealth strategy for today's economic market.  CLICK HERE to watch it.  I think it'll open your eyes about a lot of things.

6 Homes Were Acquired in 11 1/2 Months Using NONE of My Own Credit...and They Currently Give Me OVER $28K Per Month in NET Cash Flow

Even more incredible, the $144K it cost to acquire these properties was NOT my money.

I explain how I did it in a power-packed training...likely my best training yet.

In a nutshell, the strategy I now use is called "subto" or "subject to" and it's the best way to acquire cash flowing properties.

Why?  Because banks and lenders have gotten EVEN MORE STRICT on their lending requirements in the past few months.  What was "doable" to get financing for last year is IMPOSSIBLE right now.  Banks and lenders know the numbers (even if foolish Americans and politicians don't see it yet) and that is this...our economy is about to fall off a cliff.  Precautions have to be made.  And those without a solid credit rating (800+ FICO) and two years of a REALLY GOOD INCOME (hundreds of thousands of dollars per year in net income), you don't have a chance in hell in qualifying for a mortgage with this tightened up criterion.

So, what do you do when trying to invest in property for cash flow?

Here are your options right now:

Option A:  Get a loan from a bridge or hard money lender.  (This is ONLY acceptable for non-owner occupied properties.)  The interest is high but at least you'll be able to buy your cash flowing property.  You will have to have 20% cash down and a solid mid-FICO score to pull this off.

Option B:  "Subto."  This is when you take over an existing mortgage, likely with a much lower interest rate than what you can get today.  You'll be able to help someone get out of a mortgage that they may not be able to afford anymore and they're struggling to sell their house in this softer real estate market.  It's a win-win for everyone.

I talk all about how this works in my power-packed training.

CLICK HERE to watch the training now.  This WILL change your entire perspective on cash flowing real estate, how to acquire properties, and how to finally make your real estate investing dream a reality.

CLICK HERE NOW!

See you at the top!

Your mentor,

Monica Main

I'm not gonna lie.

2023 was kind of a rough year for me.

In January of last year, little did I know that I was sitting on the threshold of a tsunami of change that I would have never anticipated in my wildest dreams.

February rolled around.  I had this odd dream about my deceased mother.  She was showing me a map of the panhandle of Florida...a map I knew well due to my many years of real estate investing.  She showed me a brand-new house, told me to choose the one closest to the ocean, told me the price, said escrow would be rocky in the beginning but not to worry because we'd close...and that we'd definitely be moving to Florida.

Huh?

Moving out of state was kind of always a distant fantasy of mine, being that I had gotten to the point where I hated Southern California with a passion over my 35+ years I had lived there.

California, in my opinion, had only gotten worse in the past decade, only greatly enhanced by the pandemic with an explosion of crime and homelessness at levels I had never seen before.

Leaving my house each day felt less like an adventure and more like a life-risking ordeal.  My life could have ended at any point between my house and my office, only a few miles away, among the many perils from a car jacking, road rage incident, robbery at gunpoint at my corner gas station, or by a hopped up crack addict who'd light me afire if I didn't give him enough pocket change for his next hit.

Think I'm exaggerating?

Take a trip to LA.  Then we can compare notes when you get back...

IF you get back.

But for me, it was the classic "Boiling Frog Syndrome."  You've heard of that, right?

It's when you get used to something getting so bad that you don't notice over time...because you become immune to it.  You get used to the way things are.  So when things get fractionally worse, you hardly notice.  Then they get worse and worse and worse...even by single digit percentages, so seemingly small, but over time it's a monumental change...one that you don't seem to notice because you've been sitting in the pot since the water was warm.  Now it's 200 degrees and you don't even notice because the temperature went up only one degree at a time over a long time...until you're cooked and it's too late!

So, I was "okay" with being in California.  I was just...used to it.  And I think I lost such a huge chunk of my soul at that point, I barely noticed whether I was content or discontent.  I just...flatlined.  And I accepted that maybe that's just the way things are supposed to be.  And that I'd be okay until I'd die, I guess.

That's when I had "the dream" with my mom.

But it wasn't enough for me.

Until it snowed.

Yes, it snowed in Stevenson Ranch where I lived.

I immediately went to Zillow.com, looked at new houses in the panhandle of Florida, and chose the one closest to the ocean.  I called the builder's office and as the phone rang, I told myself, If this is meant to be, I'll get a hustler sales person and it'll happen like greased lightning.

Guess what?  No surprise.  I got a hustler real estate agent who worked for the builder.  And it all happened like greased lightning.

I got the house for the price my mom said it would be.  To the penny.

The rest of the spring and summer was all about packing, sending Pods, packing some more, sending more Pods...just packing, moving in a seemingly never-ending way until it was over.

To cap it all off, we went to Paris on a trip we had planned pre-pandemic.  I thought... What a great way to end the move than to take a relaxing trip to France.  Not realizing that I simply was not prepared for a trip of any kind and I would have been better off sitting at the beach for 2 weeks instead.  After all, I live in Panama City Beach right now.  Why would I need to take a vacation?  I'm already on vacation 24/7.

Now here I sit one year later, thinking about where I was in early January 2023, and realizing that I was on the threshold of something really big and incredibly fantastic...and I didn't even know it yet.

What great threshold are YOU sitting on right now?  And where might you be one year from now?

Only time will tell.  But I will say this:  YOU have to have a hand in the change.  YOU have to dare to do something different.  Because if you don't, I can tell you where you'll be in one year from now.  Exactly where you are now.  And if you don't like it, oh well. It'll be all your fault with nobody else to blame.

Think about this:  What if I didn't listen to my mom's dream?  What if I didn't go on Zillow to look at listings in the area I believed my mom was describing in the dream?  What if I didn't pick up the phone make the call to the real estate agent in Florida?  What if I never put in an offer or followed through on any of the other MANY steps required to make this massive positive change happen in my life?

Exactly.  NOTHING would have happened.

And how many times have YOU not did the research, made the phone calls, or followed through on the dreams you had for yourself and your life?

Isn't it time to CHANGE that?

(I think so.)

It starts by CLICKING HERE.  This is that ONE THING that can change everything for you.  And it's not something you should take lightly.

See you at the top!

Your mentor,

Monica Main

P.S.  If you want that GUARANTEE that you'll acquire 4 deals in the next 12 months, netting you an average of $250,000 per year in profits (in your pocket), CLICK HERE NOW.  This opportunity is closing fast!  You DO NOT want to miss out on this!