The economic changes that are being thrown in my direction everyday is happening at such a break-neck speed that it's like being in a 3-D OmniMax Theater wizzing through the colorful universe at 10,000 miles per hour.
 
The Mayan Indians could have been right about the world ending last year.  I think what really happened was that the world as we knew it ended in December 2012.
 
And thank God!
 
I read somewhere years ago (and I don't remember what exactly I read or where) about how the "end of the world" was really an end of a phase.  All ends mean new beginnings.
 
And that's what I'm excited about.
 
So what "ended" exactly?
 
The never-ending phase of shysters, snake oil salesmen, and shifty-eyed cons have lost footing.  Now they're all sliding down a mountain, preparing for their rapid demise.

Can you imagine a country with an honest lawyer who really wants to help you and your cause/fight (rather than helping their bank account get bigger)?  Can you imagine an end to frivolous lawsuits like the McDonald's hot pickle debacle where people use big companies as a selfish means of cha-ching for themselves?
Can you imagine living in a world where doctors want to see you get healthy, especially using well-intended (and possibly "alternative") medicines in an effort for you to have optimal health rather than pushing Big Pharma drugs that, in the long term, could hurt you?
Can you imagine living in a place that matches the picturesque way of what we wanted to pretend we were in the 1950s...yet we really become that wholesome, honorable, respectable, and innocent as we wished we were at that time?

I know it's hard to imagine now, especially with everything happening in the news from the New Haven, CT horror to that psycho that held a 5-year-old hostage in a bunker for a week to the most recent news of 3 men that held 3 young women captive for 10 years and no one had the slightest idea that anything was wrong.
 
Yet now...everything is seemingly coming apart at the seams.  You're probably wondering why there's so much disastrous news.
 
Sometimes you have to pull everything apart, creating a mess, before you can put everything in some kind of perfect order.  I think that's what's happening in the universe right now.
 
Over the years of mentoring and teaching students, I've found that many of them want to skip over the spiritual aspects of creating wealth and just get to the creating wealth part.  Yet many do not realize that the spiritual aspects are just as important as the action steps needed in the wealth-building process.
 
It's like baking a cake.
 
If you have to choose between two cake-baking necessities -- ingredients or the oven --which would you choose?
 
Well, let's see...
 
If you have 100% of the ingredients to bake a cake but no oven, you'll have no cake in the end.
 
If you have an oven and no cake ingredients, you'll still have no cake.
 
The success action steps would be like having the cake ingredients with the full instructions on how the "process" of making your cake goes.
 
The oven is the "unseen" spiritual part of the success process that "heats" things up and actually makes the process work.
 
Again, as you can see, both are required if you're going to become a multi-millionaire.
 
Since you know this, why skip the spiritual part?  Do you feel like it's a waste of time?  Does it "trip you up" because you don't quite understand the mechanics of it?
 
One of the things I've been getting a huge amount of emails about is this basic premise from my students:
 
"I'm doing all the steps to invest and build a business yet I feel like I'm beating my head against the wall because nothing is happening for me."
 
And there's a reason for that.
 
It's not enough to have the knowledge, create the action plan, and do the steps.  It's like having the ingredients but no oven to bake with.
 
And we both know that, in the end, you won't get your "cake" that way.
 
With so much going on in the universe, things are changing at a warp speed.  The good news is that, unlike the old days when it took lengthy periods of time to "move" the universe in your direction, now things are happening in mere days and sometimes in mere hours.
 
But you have to know what you want, you have to know the order in which all the "things" that are needed for your want have to occur, and you have to be focused in a specific process to make that happen.
 
Last year I did a multi-day email blast series over Thanksgiving that thousands of you were instantly drawn to and wanted to know more about.
 
Here we are more than 6 months later and I've been finally able to put all the details down on paper for you.
 
I want you to read this mind-blowing report that can tell you exactly how to change your life and get what you want in ways that no one...and I mean no one...has ever told you about before.
 
Here's the link:  http://www.monicamain.com/magic_course
 
I think you'll start to understand: (1) why things haven't been "working out" in your life as planned lately, and most importantly (2) exactly what you need to be doing to finally catapult yourself into the successful dream-like life that you've always been after.
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com
 

Hi!
 
I've been reading article after article after article over the past couple of days basically telling me that these Wall Street big shots are swooping in on as many foreclosure and short-sale SFR (single-family residence) deals, leaving the Average Joe investor struggling to make deals.
 
And this really sucks.  Especially since some of these Wall Streeters are paying more money than they should on these deals.
 
This, of course, is creating a lot of stir.  There are whispers of a "second bubble burst" and other such nonsense since these Big Boy investors are causing "false" housing inflation.
 
Except there's one problem with that "theory."
 
There is no such thing as "false" housing inflation.
 
It's either inflated by actual demand...or it's not.  Pretty freakin' simple.  And if these Wall Street freaks want to over pay on property, let them over pay.  Those dummies.
 
So, what does this have to do with you, especially if you are flipping SFRs or getting involved with other types of real estate investing?
 
It means you are focusing on areas of the country that aren't dealing with massive Wall Street traffic.
 
For example, one of my students from my Detroit seminar last month already bought a house for $28,000 then put $2,000 into it.  He just listed it for $65,000 when all of the surrounding comps can support the average $62,000 purchase price.  He'll be selling the house by the end of next week and will cash out with a minimum of $32,000.
 
All in a couple weeks work.  Not bad!
 
And he's now got a duplex under contract.
 
I won't tell you where he's located because my email blasts go out to just under 100,000 people and that means thousands of you will stampede to his area, pushing him out into the cold like you guys and gals have done to me time and time again.
 
What I will tell you is that it's in a city and state that you'd never guess.  It's not in any of the "lists" that I've given you but I will tell you that it's in an area that is steadily growing.
 
So...what does all this mean for you?
 
A couple of very basic concepts...
 
1)  The window of opportunity is quickly closing...much faster than I previously thought.
 
2)  S*** or get off the pot.  Period.
 
I have been teaching for many years and I've been investing in real estate a lot longer than that.  I've seen some trends, good and bad.  But absolutely nothing holds a match to the opportunity that you still have right now.
 
What pisses me off is that I'll have students who are sitting on the fence of life in general.  They buy my courses, sign up for mentorships, attend seminars, and yet they continue to waste my time year after year.  They talk a good game, muddy the waters with their tire-kicker non-serious offers, and then end up doing nothing.
 
Then you have those students who kick ass and take names later.
 
That's what you either are already or will become in the very near future...or you'll rapidly perish in this business, way before you start.  Simple as that.
 
One of the things my students like to hear from me is about future trends since I'm right 99.99% of the time.  What the hell...I'm actually right 100% of the time.  Why minimize it?
 
"So...oh smart one.  What are the near-future trends?"
 
Here they are for the next solid 12 months:

• SFR flipping until the end of this coming summer, then it's pretty much over unless you focus on "fringe" city/states that the Big Boys don't get to, don't think of, or don't care about
• Buy-and-hold multi-family (residential) such as 3-plexes and "quads" through 2015
• Buy-and-hold smaller apartment buildings through 2015, meaning 5 to 20 unit buildings
• Buy-and-hold commercial-commercial property from this summer through...several years to come

So I just laid it out for you.
 
Here's my other pet peeve:
 
Students who still email or call me for the "magical phone number" to the guy who will either get them 100% funding or pony up the down payment for their buy-and-hold property deal.
 
If you ever find this mythical guy, let me know.  I want his phone number, too.
 
Reality is, you can get that down payment money a couple of different ways:
 
1)  Investor partners
2)  Credit
 
There are other ways such as robbing banks but we're sticking to the legal routes here.
 
I love investor partners but they're only there to help you get a start in the business.  That's it.  The rest of what you do should be 100% on your own so you can get 100% of the proceeds of your property without sharing anything.
 
The best and easiest route to take for doing it yourself is by fixing/building personal credit and building business credit.  And fast!  Super fast!!
 
Banks have changed their lending practices again in the past year.  This means that they've essentially "lightened" up on their criteria.  This, of course, doesn't mean you'll get qualified with 3 foreclosures and a bankruptcy but if you have mediocre credit, you stand to qualify now.
 
As "light" as they've gotten on their criteria, they'd implemented some hard-fast "rules" on their lending practices, including requiring a personal guarantee.  Why this bothers some of my students, I'll never really know.  The only people it bothers it seems are those who want to get into financial trouble by not following through with their lending/banking agreement.  If this is the reason why you're afraid of a personal guarantee then find another business to be part of because this one isn't for you.
 
Just because a bank asks for a personal guarantee for a business credit account does not mean it necessarily goes on your personal credit report.
 
In fact, on all of my business credit cards, I had to sign a personal guarantee yet none of those accounts ended up on my personal credit.
 
I even had a student "argue" with me via back-and-forth emails just last week about how a close colleague/friend/associate/whatever got some ridiculous sum of money (upwards of a million, I think) without a personal guarantee or without having to have personal credit of any kind.
 
Really?
 
So, this "really close associate" of yours...how did he pull it off?
 
"Well, I don't know because he won't tell me...but he did it because I saw proof!"
 
Hmmmm.
 
If this person (doubtful he's such a close associate) can't show you how to do it then he's full of sh** because getting that type of money with no personal guarantee, no personal credit, and even no collateral isn't going to happen unless he's working with a private lender or angel investor.
 
When I asked about what this "proof" was that his associate supposedly manifested for him to see, he couldn't really answer the question.
 
So, in other words, they were sitting at a bar one day, trading bullsh** stories back and forth, and apparently this "close associate" decided to one-up my student on whatever credit or real estate secrets he was telling him.  So, what could possibly top telling someone that he was able to get about $1 million without a personal guarantee, collateral, or even a Social Security number?  Pretty impressive, right?
 
Except it just doesn't happen that way.
 
Our entire society is built on credit.  It's time we made it work for you.
 
If you missed out on my 2-day in-office credit training back in February and didn't get the videos from the event, shame on you!  You missed out on a lot of powerful information.
 
Then, something occurred to me.  Maybe some of you couldn't afford the $1,497 price tag on the in-office training or the $397 price tag on the video set.
 
And something else occurred to me.
 
Since I'm doing the physical upgrades for both my Personal and Business Credit courses, why not create an upgrade kit for a super cheap $97 so that everyone can grab onto these credit-fixing/building strategies with no excuses?
 
Remember the trends I talked about a few minutes ago?
 
Credit will help you invest in any of those trends.
 
So much has changed with the rules of both personal and business credit in the past 18 months that it's mind-boggling.  And if you aren't up-to-date on these new rules then you will have a difficult time fixing your credit as well as rebuilding it.

Did you know that the credit reporting bureaus got so sick of people disputing their credit reports that they found a more streamlined computerized method of verifying your debts called the e-Oscar Method...and it's dead illegal for them to use it??  Not only is it illegal but I'll show you how to get stuff removed off your credit reports just by you mentioning that they're using the illegal method.
Did you know that you can sue your creditor or collection agency in your local small claims court (in your jurisdiction) for the maximum possible and by even threatening this lawsuit (which costs them too much money just to appear in court), they'll remove the disputed items from your credit reports?

Did you know that Dun and Bradstreet is no longer the way to build business credit for smaller lines of credit ($100,000 or less) and that if you don't know how to use Experian Business properly, you'll blow your chances at these quick and easy unsecured business lines?

You can get access to unsecured business lines of credit anywhere from $50,000 to $500,000 depending on how well you fix/build your personal credit but you have to follow these new rules.  If you follow these rules, no matter how bad your personal credit, you can get the majority or all of your delinquencies removed in just a few months.
 
Here's what that money can do for you:
 
The lower end ($50,000) could easily help you flip houses for huge profits before the opportunity is gone.  The lower end could also get you the down payment for a multi-family or small apartment building or even a small mobile home park.
 
Getting in the mid-range ($100,000 to $250,000) could get you the down payment cash for a larger apartment building or a commercial-commercial property like an office building.
 
Getting to the $500,000-range will require you to build up your personal credit into the 800+ FICO score range and that can be done but may take a little bit of time.
 
This is the only way to get money besides an investor partner right now.  This is it.  The mythical guy who can give you all the money you need for your deals (except for transactional funding) simply does not exist.
 
This kit is being offered as a one-time deal.  After the deal ends, the upgrade kit will be split with their respective courses.  The personal credit upgrade will go with the Personal Credit Building Course.  The business credit upgrade will go with the Build Business Credit Fast! Course.  And later it'll cost you $544 to acquire both of those course to get what you can get right now for only $97.
 
What if you have no other credit courses?  Then what?
 
I've made this Special Upgrade Kit to where it's a "stand-alone."  This means that if you don't have any other credit course, you'll be able to successfully use all of the elements presented in the 2 videos, 2 audio CDs, 2 mini-manuals, and CD-ROM that will be shipped to you.
 
Here is the link:  http://www.monicamain.com/personal_and_business_credit_secrets
 
See you at the top!
Your mentor,
 
Monica Main


 

How's it going?
 
I was having this discussion the other day with the lady that does my eyebrows.  Her name is Angie and she owns and operates her own hair, nail, spray-on tan, and waxing salon.  It's a quaint little joint in the Valencia Industrial Center literally one block away from my office. 
 
Somehow the conversation came up about freeloaders.  I think it was because she mentioned that her sister refuses to work or do anything with her life yet she always wonders why she's broke.
 
I immediately asked Angie if she was older than her sister and even went so far as to assume that Angie was the eldest child.  I was right, of course, because it was an uncanny carbon copy of my exact situation with my brother who is younger than I am.  I've always had a "knack" of making money and taking care of myself yet my brother is the eternal excuse-maker, bitcher, and professional moaner with a piss-poor and sickening "poor me" attitude that can make anyone lose all faith in humanity within precisely 37 seconds of listening to it.
 
There's always that "nature vs. nurture" argument where you can take, in some cases, fraternal twins who grew up in the exact same household yet one turns into a mass murderer and the other grows a multi-billion dollar per annual business.  And there is no explanation for it.
 
Is it your environment?  Or is it genetics?
 
I have a deeper explanation for it which goes into something deeper that I don't think I want to get into right now.  The short version of my theory is that we all have unique personalities which some may call our "soul" which differs drastically, even if we have an identical twin with the exact same genetic make-up who we grew up with in the exact same household/environment with.
 
So, what does this have to do with anything?
 
Easy.  It's very simple to become successful.  You simply get off your ass and set out with an exact, precise treasure map to get there.
 
And you have to want it.  Badly.
 
Nobody can teach you to "desire" success.  The good news for you is that, chances are, because you're one of my faithful students reading this email, you've already got that burning desire and ability to "hustle" until you become successful.  So, unlike my lazy excuse-making broker or Angie's pitiful freeloading sister who can't, under the best of odds, be convinced to get off their ass and do something...you're way beyond that if you're reading this.
 
Back to the treasure map...
 
I'm (unfortunately) stuck watching Dora the Explorer quite often.  If you're not familiar with the kiddie show then good for you!  If you are...I'm sorry.
 
Every episode of Dora the Explorer has to do with her going on some type of adventure involving a map.  The map is devised of 3 things.  Each "thing" is a landmark of some kind that she has to visit in a precise order in order to make it to the end of her superficial maze to accomplish whatever shallow goal the hapless writers of the tv show devised for her.
 
So, after Dora's backpack spits out her map with her directions on what she's supposed to do, she sets off to follow the map, working to avoid danger along the way.  Danger is this fox called Swiper who tries ripping her off or doing demonic things like taking her tools to get through her adventure and whipping them off into the forest, or some other such nonsense.
 
I was watching the show today with my little girl and I started putting some things together.
 
First of all, most paths to success are pretty simple.  Not exactly only 3 items to get there but pretty damn close.  Yes, there are always thousands of details in any endeavor but, really, aren't there only a few "large" things that are in a set of directions?
 
For example, if I were to tell you how to get involved in apartment building investing, I could literally give you 3 basic steps to pull it off:
 
1)  Do a financial assessment on yourself; determine your down payment and funding options.
2)  Find a cash flowing property using my CFE (Cash Flow Evaluator)
3)  Put in an offer on the property and see what happens.
 
Of course, there are more steps.  There's the acceptance of the offer (or rejection, in which case you go out and repeat steps 2 and 3) and then going into "contracts" then escrow then closing on the property.  Then once you close, you set up your management then cash flow away!
 
Still, if you add up all the steps, you're at around 7.  Not too overwhelming, is it?
 
Everything is like this.  Absolutely everything!
 
So why are so many people not doing these simple steps to find success?
 
I think it's because they believe there's much more too it.  They believe that success is difficult and way out of their reach.
 
I can tell you, from massive amounts of experience in both business and in investing that success is very easy to attain but there's a catch.  You have to get off your ass and follow some simple type of Dora map and move along the map to go get it.
 
Plus, the map has to be followed in an exact order.  You can't change the order of things otherwise you'll find yourself unsuccessful.
 
But here's the catch...
 
You have to get off your ass, follow the map, and follow it in a precise order.  By doing this, two (2) things will happen:
 
1)  You'll be able to build a $1,000,000 BLOC or Business Line of Credit
2)  You'll have a successful completed business plan that has been submitted and accepted by an investor partner who is part of the mentorship group
 
Again, you have to follow the map or the plan which is simple, well-laid out, and specifically geared toward helping you acquire a property with an investor partner.
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com
 

Last week I finally got back into town (LA) after 2 back-to-back business trips.  Right now my brain's still a little mushy and it's been a full week since I've been back in the office.
 
I have a car service that brings me to LAX then picks me up when I get back into town.  Usually I like my drivers quiet with some type of music playing while I force myself to look out the window so I don't get car sick.
 
And yet, despite my repeated requests to the service to my specific requirements, I so often get the lip-flapping driver from hell.  And it's always when there's hours and hours of traffic on the 405 freeway.
 
Last week was such the incident.
 
The conversation has to start off with..."What do you do?"  And then quickly snow balls into..."How can I get involved in real estate investing?"
 
Very easy.  Just start doing it.
 
My dumbest students actually do the best in this business.  Why?  Because they never second-guess themselves.  They jump right in and start working the business.
 
My smart students, unfortunately, never end up doing anything.  They're the ones with multiple college degrees whereas they'll find a kick-ass cash flowing deal then spend several nights thereafter finding every reason as to why the deal won't work out.  All at about 2am.
 
And guess what?  The deal doesn't work out because, well...they never do the deal at all.
 
So, back to Larry the limo driver.
 
Actually, I think his name is Lawrence but Larry has a better ring to it.
 
I tried side-stepping most of his questions just because my brain was fried.  After all, I had just got back from doing my 3-day seminar in Detroit where I was under the weather most of the time, had lost my voice, and was beat beyond belief.
 
But I'm not one to shun someone from getting a basic education.  So, I gave Larry a simple set of tasks to begin building his personal and business credit so he could get started investing in real estate using that credit to get his down payment money together.  I further advised him to stick with smaller properties like "quads" and 6- or 8-plex apartment buildings.
 
At the end of the never-ending drive to my house, I gave him my business card and told him to email me and I'd send him my Apartment Building Millionaire book and workbook.
 
Then I didn't hear from him.  Typical, I thought.  People are all gung-ho for a minute then realize that anything worthwhile requires a little bit of work.
 
Well, I finally did hear from Larry this morning.  He sent an email with his address for the books.  And I went downstairs, actually packaged the books up myself into a Priority envelope, and mailed them off to Larry with a personalized note.
 
So this is the point where you just have to ask yourself..."Is Monica getting to some kind of point here?"
 
Yes, there is a point.
 
Some of the advice I was giving Larry about building personal then business credit to raise down payment cash is one very effective way of raising capital.  Aggressive real estate investing such as SFR flipping for profits is another way to raise the money for those passive income real estate deals.
 
Then there's another way...
 
Money partners, of course.
 
I have had 2 ways of working with my students in this department.
 
1)  Offering the opportunity to partner in with my investor partners through my Viper Wealth group as well as through select mentorship groups.
2)  Teaching my students how to find their own investors.
 
Both have been successful yet both have had "holes" in their effectiveness.
 
The problem with having my students work with my investor partners over the years is that they have changed criteria so much (especially during the downfall of the commercial market in 2008 and every year since then), students tended to not present deals to me correctly (i.e. "Here is my Loopnet link so...I get 50% of the equity split and cash flow of this deal now, right?"), and sometimes students would lie about the amount of due diligence that was done just to find out that everything they knew about the deal was based on misinformation the scum-bag listing agent had said about it.
 
Based on the last fact mostly, many of my investor partners didn't want to work with my students anymore.
 
Of course, I still have a handful of investors who actively invest with my students, especially with apartment building and MHP deals across the nation.
 
My pool of investors had gone from 14 to about 6 in the past couple of years.
 
Now I have new blood.  I have gotten an "injection" of another 9 investor partners into my "pool" through one of my speakers at my recent Detroit event.
 
Since I have 9 investors that have specific investment criteria (different from my 6 remaining investor partners) and these investors are actively and aggressively looking for new deals, this 6-week mentorship group (conducted by me and Robert Combs) completely revolves around the deal and proposal requirements of this specific set of investors.
 
You'll discover which types of properties they are looking for and in which areas of the country.  You'll get an instant assessment from me and Robert about whether your deal is worth building for this set of investors...or not.  And it will give you an opportunity to find different deals.
 
You can build up as many deals that you want to for this group.  You are not limited to a certain number of deals.  If you want to do 10 deals, you can.
 
After you determine which deal you'll want to pursue, you'll then begin building a specific type of property proposal for the deal to fit the exact submission requirements for this set of investors.  The proposal is short and sweet, not to exceed 15 pages (including having lots of pictures of the property).
 
Once your proposal is completed, it will be submitted directly to the investors.  These investors will then contact you to work with you on the deal.
 
This is the first mentorship group of its kind where you find then build deals for specific investors who are actually waiting to review and participate in your deal.
 
No, this is not bird-dogging.  All of these deals are partnership related which means you'll get a piece of the deal!
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com
 

Hi everyone!
 
Believe it or not, I still get calls about this guy Victor in Michigan.
 
Now, if you recall...
 
There was an email I sent out a little while back telling you about a guy named Victor I ran into while shopping in Michigan.  And he recognized me, which doesn't happen very often.
 
Since I didn't have the foresight to give Victor my business card and since he says he reads all my emails, I wanted to give Victor a special prize when he called into my office.
 
Except he never called!  WTH, Victor?  Where are you?
 
I also mentioned something about "synchronicity" of the universe.  And that if you run into the right people on your path at the right time, it's meant for you to take an opportunity to move forward.
 
I was trying to help Victor do that by offering him something special...except he didn't call.
 
What's interesting is that Victor claimed he was just on my website before meeting me that day a few odd weeks back.  Victor is ready for a change in his life...or so I thought, because he never called me to take me up on this special gift I email blasted everyone about.
 
Could I have sent out the one email that Victor happened to not read?  (Now, what are the chances of that?  I put his name in the subject line.  Kind of hard to miss, you think?)
 
Think about it, folks: what are the chances?  I live in California.  I happened to be out shopping in a busy mall in Michigan.  (This is something of a pet peeve of mine, shopping in crowded places because my basic motto is "Get it on Amazon.com or Don't Get It at All!")
 
Since Victor happened to be there at the right time...or maybe it was the other way around...I'm tried giving him an opportunity to further the opportunity in his life if he chooses to take it.  This is an opportunity that most of you, my dear students, would kill for.
 
Except, Victor never called.
 
The universe opened a door for him...but was Victor too afraid to answer it?
 
Victor is dead.
 
Well, not physically dead.  But he may as well be.
 
It's going to get harder and harder to financially exist in our fast-paced, highly-complicated New Economy as one month rolls into the next.
 
If you, Victor, or anyone else doesn't start to get your sh** together (and really freakin' fast) then you're going to be dead in the water.
 
Too many of my students have been sitting around thinking about changing certain aspects of their lives, yet they don't actually do anything one reason or another.  Yet I have a slew of other students who have decided to make the changes and they've become successful as a result of it, mostly by having a Take-No-Prisoners attitude.
 
This is the type of attitude that is required in our New Economy.
 
As you know, I have a 3-day Flipping Frenzy with the Millionaire-Meet-and-Greet Event coming up in Detroit on March 15th, 16th, and 17th.  This could be your opportunity to jump-start your investment business by not only discovering my most cutting-edge investment strategies (including apartment building flipping) but also to meet my investor partners who are ready to invest their money in deals with you!
 
When I first got started in investing eons ago, like many other investors I got started flipping fixer-upper single-family homes.  Later on I adopted the methodology of buying SFRs to rent them out.  Then, of course, the economy greatly shifted, I moved onto the more lucrative apartment building investing, and I long left SFR acquisitions and flipping in the dust.
 
About 18 months ago I started flipping SFRs again, only because the economy came around, making flipping an incredibly lucrative enterprise.  This generally happens when the economy shifts from a recessive flatline to a slow progressive improvement.  Flipping is awesome during these times and...we're now officially in "these times" to make fixer-upper flipping work.
 
And I can show you how to make quick, easy piles of money doing this.
 
Plus, you can meet my investor partners who are ready and willing to invest in flip deals, apartment buildings, MHPs, commercial-commercial buildings and even business ventures such as software start-ups, restaurants, and other lucrative business enterprises.
 
If you're interested in acquiring even more cash for your passive income real estate (i.e. apartment building investing), it's best that you inject your own cash into those types of deals which you can now easily raise through SFR flipping. 
 
But this opportunity won't last forever. 
 
Just as the window of opportunity has closed for no-cash-no-credit deals with 100% owner financing, you can now get your own cash and credit together to do your own deals and increase your net worth 1,000 fold in the shortest amount of time possible.

Listen, 2013 can be your year...but not if you plan on sitting on your ass and doing nothing.  Every successful person out there -- smart or stupid, with or without resources -- all did onething and one thing only: they created a simple plan and executed the plan.  That's it.  They did nothing more!
 
No, you don't have to win the lottery or "get lucky" to make things happen for your life.  You just have to have a simple set of instructions and play out the instructions laid out.  Just like every other successful person has and does.
 
If you have any questions, call my office at (661) 295-5050.
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com
 

I just recently finished a 2-day in-office training last week for both Personal and Business Credit Secrets and I started thinking about something...
 
One of the strategies I taught in the workshop on the first day was how I once used this "cheat" to immediately have a negative delinquency removed from my personal credit without paying a penny to the creditor and...I don't even know if the "cheat" was legal.
 
Yet it got the delinquency off my credit report instantly within a couple of weeks.
 
I've used a variation of this "cheat" a few times after that and each time it's worked like a charm, instantly and without incident removing each delinquency off my credit reports within the shortest amount of time possible.
 
Of course, everything else I've used to get delinquencies removed from my credit years ago when I was in a "credit hole" worked...it just took more elbow grease and time to get the stuff off.
 
Eventually it all came off.
 
Now I have a FICO that's pretty damn near 800 and, for sure, it will exceed the 800-mark by this summer.
 
Not that I care.  After all, once you get to the 720+ FICO range, the credit "seas" will part for you and you'll be able to do and get whatever you want at that point.
 
Everything I've done for my credit has been stuff I've personally used, stumbled through, and had to essentially "re-invent" to both fix and build my personal credit and then to build business credit from scratch several times.
 
After my bankruptcy back in 2003, I had a FICO that was in the mid-400s.  Like everyone else, I didn't think there was much I could do to improve my credit score.
 
So I sat and did nothing for awhile.
 
I decided..."What the hell?  I can try to do something to improve my score."
 
I read some books, tried some stuff out, saw what worked, saw what didn't work, invented my own techniques, morphed other people's strategies into something more workable, and was able to boost my FICO from a dismal 450+ to jumping into the 640-FICO "club" within my first 9 to 12 months of working with "credit repair" and building techniques.
 
Once I hit 640, I was able to climb to above 680 within another few months after that.
 
Then I was "stuck" at 690 forever.
 
This was, folks, while I still struggled with a bankruptcy, multi-million-dollar judgment, and a few other stubborn things on my credit...I was at 690!
 
If I only knew then what I know now, I would have been able to jump that difficult 700+ mark.  (And to think that the 700+ "jump" was due to only one secret strategy that I presented in my 2-day training basically requiring me to not do one little thing!)
 
Once you get into the 720+ range then all the credit doors you ever dreamed of open up for you.  Getting to 750+ or higher is just a game at that point because you're not going to be able to "squeeze" anymore "juice" out of anyone creditwise.  The rest of your work comes in from your business credit building activities.

• Can you imagine getting to that 720+ FICO by this upcoming summer?
• Can you imagine using your awesome personal credit to quickly building business credit?
• Can you imagine being able to access hundreds of thousands of dollars in unsecured business credit cash to use for down payment money on your commercial and apartment building properties?

I always have students asking me over and over again..."But Monica, where do I start if I'm just starting out in this business?"
 
The realities of commercial and apartment building investing have shifted over the past couple of years.  In order to play the game now, you need some money.
 
There are only a few ways to get the money:
 
1)  Take it from your savings (except most people don't have a few hundred thousand dollars lying around)
2)  Get an investor partners (except most people don't know how to do this or don't want to share the profits of their deal with someone else)
3)  Build business credit and get unsecured lines of credit for your down payment cash (and requires you to fix and build your personal credit first)
 
Opportunities are everywhere now.  That's the good news.
 
The bad news is that the good stuff is being sucked up by all the serious investors out there who have some big bucks behind them and they're not stopping their real estate acquisition activities until there's nothing left to be had.
 
You can still compete within all of this so long as you start playing the game a little differently.
 
You're going to have to enter the game a little differently.  You're going to have to fix bad personal credit then build both your personal then your business credit.
 
And you're going to have to do it quickly if you're going to have a chance in tapping into these passive income cash flowing property deals.
 
But the keyword is "quickly."  This means that your days of "dilly-dallying" around are over if you still want to latch onto some of these highly profitable cash flow apartment buildings, mobile home parks, commercial buildings, self-storage properties, and even single-family homes to rent out as passive income.
 
In my 2-day workshop, I had the video rolling so that I got every detail about how to fix/build personal credit as well as quickly building business credit.  Many of these details I've never included before in any other presentation I've done with my students.
 
In fact, I've included so many small details about credit that, after watching these videos and taking notes, you'll be such a huge expert that you'll even be able to make a fortune operating a credit repair business if you wanted to.  That's how thorough I was.
 
I even had a lady in the training group who told me that she owned a credit repair service years ago and that she's convinced after the 2-day event, everything has changed.  Nothing is even close to being the same as it was before when she was in the credit repair business.
 
If you're trying to use old, outdated methods to fix your credit, you're probably doing more harm than good.  It's best to learn the most cutting-edge strategies.
 
Even the one that is "borderline legal" to get stubborn negative marks off your credit report.
 
Go to this link for more details: http://www.monicamain.com/credit_workshop_videos
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com
 

I had this very interesting conversation with one of my investor partners this morning that I wanted to share with you.
 
Tim is one of my investor partners that go way back to when I first started investing in commercial real estate.  He's one of my guys from Texas.  He has invested in more deals that I can count with both myself and with my students.
 
We were chatting on the phone yesterday.  This is a super rare occurrence considering that he's had some on-again off-again health problems that has really put a damper on both his professional and personal life.  (He's not a spring chicken anymore, let's just put it that way.)
 
He was telling me about the population explosion going on in Texas and had me read an article corroborating this information.  There's a list of 10 cities in the United States where the population is growing exponentially.  Texas claims 4 of those 10 cities or 40% of the list!  (Utah claims 2 of those cities or 20% of the list.  I know...weird.)
 
He was telling me that he's had major problems trying to find deals in his own backyard because investors have "taken over" the area and are swooping up on anything and everything.  (They're even buying up low-cap properties left and right.)  And he's had problems investing in cash flowing deals for about 18 months now.  (I already knew all this but I politely listened anyway.)
 
Sadly, he told me that this is the end of his investing career.  (He's not going to make it to our next recession where all the deals will crop back up again.)  I think it was that moment of realization of knowing it was "the end" that really bothered him.
 
He asked me what was going on with my deals and how the market was unfolding for me since he knows I do a lot of stuff in Atlanta still.  I told him that the competition hasn't gotten that fierce in Georgia yet but it's starting to build...and fast.  Detroit is also getting fiercely competitive with all these investors coming out of nowhere for the last solid year. 
 
And Florida is much like Texas now where it's difficult to get decent cash flowing properties in the larger metro areas.  And, unfortunately, it's been that way for awhile now...I'd say coming up on a year.
 
And by this summer, a lot of these stabilized "hot" areas will no longer be a possibility for experienced investors to get in, let alone "newbies" who are just entering the field of investment real estate.  For them, let's just say "fo-getta 'bout it!"
 
But one of the things I started telling Tim was about my apartment building flipping activities.  That definitely piqued his interest.
 
Tim:  "What's that about?"
 
Me:  "Funny you asked, Tim..."
 
And I proceeded to tell him about how there still is opportunity...everywhere, actually.
 
But you have to put some work into it now.
 
(Of course, Tim isn't in the physical or mental space right now to partake in these types of deals.  But I am.  And so are you!)
 
You see, all of these investors that came running out of the woodwork are severely limited to investing in one thing and one thing only: stabilized performing properties with a cash flow.  They do not have the luxury of buying a vacant REO, stopping everything they're doing to devote 100% of their time to rehab it then lease it up post-rehab.  No, they don't have this luxury at all.  They cannot stop the mad rush of grabbing up all of the performing properties they can.
 
What's this chaos like?
 
It's like being amongst a stampede of Kmart Blue Light shoppers on Christmas Eve, grabbing up everything in sight and leaving nothing left on the shelves (while many casualties end up dead on the floor).
 
If these investors aren't big heavy hitters who aren't quick and aggressive, they're going to lose out.
 
And they all know this!
 
It's a madhouse out there right now and you're about to profit big time because of one small little thing: their lack of ability to take on rehab and/or under-performing property projects.
 
For the first time ever, I'm going to be presenting a couple of highly profitable apartment building flipping strategies that I've never presented in full detail to any of my students before.  It's a strategy that I've been using for the past year with my investor partners like Tim who have been frustrated with losing out on deal after deal because investors have gotten too aggressive.
 
And now it's your turn to use this strategy to make huge profits without using any of your own cash or credit to pull this off.
 
Anyway, Tim and I both ended up concluding that we have until about the end of summer to snap up any properties that are "reasonably performing" before all of us will be "locked out" of the good deals until the next recession hits...probably around 2020 or so.
 
And that's a long time to be waiting around.
 
I don't suggest you wait, especially since the deals you'll be getting in the next recession are not going to be as good as what you can still get right now as REO bank-owned properties!  By the end of summer 2013, your opportunity for flipping houses will be virtually over in most areas of the country.
 
Your mentor,
 
Monica Main
www.MonicaMain.com

 

Search for Victor in Michigan Continues

Hi everyone but Victor from Michigan!
 
I seem to have developed a cult following for this Victor guy in Michigan.  I get students calling my office wondering if Victor ever contacted us.
 
Answer: nope!
 
It's all very strange, really.
 
Now I'm starting to think the guy was a figment of my imagination.  I'm sure many of you are thinking the same thing too.
 
Did you ever watch one of those movies where there was some kind of angel that appeared from nowhere and they are in human form yet they know your name and everything about you?
 
Well, I'm starting to think that's the story with Victor.
 
He was some angel that appeared from nowhere, knew my name and a little too much about me, and now he's gone.  Just like that.  Poof!  Vanished into thin air.
 
After all, it was right before Christmas.
 
How else can you explain someone like Victor who claimed to read all of my emails and hopefully knows his own name, knows he lives in Michigan...yet never responds to these repeated emails calling out to him by name?
 
Victor, Victor, Victor...where are you, young man?  Where the **** did you go, dude?  Are you afraid?  What's the deal, man?  Let's talk about it!  Just call my office, guy!  I won't bite.  I promise!
 
Then I started thinking about the ridiculousness of all this.
 
Here we have a situation that had about as good a chance in odds as playing the Mega Millions...and winning.  Yet this guy "won" essentially and chooses not to turn in the ticket.
 
Let me ask you something:
 
Since most of my students, including you, are really serious about doing something about your financial state of affairs which is why you found me in the first place, why would you go through all that (visit my websites, buy stuff from me, read my emails, generally "deal with me" at all) and yet stop short when the opportunity comes pounding at your door?
 
Literally!
 
It makes not a shred of sense...especially since many of you that have been following this Victor MIA story only wish it was you instead of Victor that met me that day because you would definitely have called me by now.  Right?
 
So now I'm just annoyed and maybe feeling a bit "dissed."  (Hey, is that still a valid word?)
 
And maybe that's why Victor is afraid to call.
 
But if it's any constellation, I won't be the one answering the phone.  Lea will more than likely be answering the phone and everybody knows she's as sweet as pie.  (She won't hurt you, Victor, I promise.  I may hurt you at this point but she won't.)
 
As for the rest of you, the situation isn't much different if you think about it.
 
Here I have presented an opportunity to you that I will be doing only once in my lifetime and yet I don't yet have you on the updated roster of enrollees for my upcoming March event in Detroit, Michigan.
 
I don't know how to be more clear so I'll say this one more time:
 
My Flipping Frenzy Aggressive Income Cash Flow Event including the Millionaire Meet and Greet where you can meet with my investor partners, get their contact information, and use them to invest in your deals just like they've been doing with me for the past dozen years!
 
Yet you're going to pass this opportunity because...you're busy that weekend?
 
What's your excuse?  Tell me.
 
1)  I'm making this event completely affordable to attend, especially if you enroll before the end of the month.  You can still get my ultra-cheap early-bird deal by going to www.monicamain.com/flipping_frenzy.  No excuse to he had there.
 
2)  If you need a special payment plan to make it, call Lea or Mayra in my office.  They'll set something special up for you.  Again, no excuse there.
 
3)  You believe that I'll be doing another one of these events?  Think again.  It's doubtful, at this precise point in time, that I'll be doing anymore events at all let alone another one with investor partners involved.  I've never done an event with investor partners before and I will never do this again.  Period.  No exceptions.
 
What do investor partners do?  What kinds of deals are they looking for?  My guys are looking at flipping properties, buy-and-hold investments (for a maximum of 5 years before the asset is liquidated), and even buying into business start-ups.  They are looking for SFRs, apartment buildings (small and large), MHPs, self-storage, and commercial-commercial investments.
 
You see, this is a very unique time.  Investors that have been waiting around are now pulling the trigger as fast as they can since everybody and their mother is now jumping into the real estate investment game.  The fear of prices going lower is gone.  The fear of interest going higher is real.
 
And everybody now wants to get everything they can before the music stops.
 
Take advantage while you can.  Make these once-in-a-lifetime contacts because, guaranteed, if you don't come you'll be kicking yourself later.  Guaranteed.
 
See you at the top!
 
Your mentor,
 
Monica Main
www.MonicaMain.com