http://www.Hasslefreecashflowinvesting.com If you are a real estate investor, you are trying to control more assets and reduce your liabilities. A savvy real estate investor knows that good debt can work for you; it can be an asset rather than a liability. If you would like to learn how to create good debt and use that debt as a powerful wealth creation tool, this FREE webinar is for you! Professional real estate investor David Campbell and world-class financing strategist Graham Parham will teach you how to use creative and conventional financing to increase your cashflow and real estate investor profits. If you can borrow money at a fixed interest rate of 4% and invest conservatively at 6% profit or better, how much money would you like to borrow? Let's see... I can borrow $100 and invest it to make a $6 dollar profit. After I pay $4 of interest there is $2 of profit left over for me to keep... Making money on the bank's money is called arbitrage and it's the way people get rich in real estate. It is almost impossible to create a fortune in real estate without the responsible use of leverage (debt). If you could buy property with 100% financing and produce positive cashflow, how many of those properties would you like to own? If you said "AS MANY AS I CAN GET!" you've got the right idea. As a real estate investor wouldn't you like to realistically know how many you can get? If you know the rules lenders are working with, you can develop real estate investor strategies to use these rules to your advantage. If you don't know the rules, you can't play (at least not very well). david campbell _ graham parham Our panel of experts will help you unravel the mysteries of real estate investor financing. You'll learn: 1) How to prepare your balance sheet, credit score, mindset, and acquisition strategy to borrow money from banks at unbelievably low interest rates. 2) Creative real estate investor strategies to buy income property using low interest rate loans when you have cash but no credit and no income! 3) Creative real estate investor strategies to buy income property using low interest rate loans when you have a good job and good credit, but limited amounts of cash for the down payment! 4) How to create double digit, triple digit, or even infinite returns using arbitrage - e.g. borrow money at a fixed rate of 4% and invest it for virtually guaranteed profits of 6% or better. 5) How a real estate investor can leverage even small amounts of equity in their existing real estate to buy more income property. WE'VE SAVED THE BEST REAL ESTATE INVESTOR NEWS FOR LAST. Would you like to know how to refinance your primary residence and rental properties at today's low interest rates, even if you have NO EQUITY? It sounds crazy but it's true. We'll help you take advantage of the government sponsored HARP program that helps underwater homeowners and real estate investors take advantage of today's unbelievably low interest rates.

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Chasing Infinite Returns
Using Real Estate Investor Financing

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Today’s agenda
1) How to prepare your balance sheet, credit score, mindset, and acquisition strategy
to borrow money from banks at unbelievably low interest rates.
2) Creative real estate investor strategies to buy income property using low interest
rate loans when you have cash, but no credit and no income!
3) Creative real estate investor strategies to buy income property using low interest
rate loans when you have a good job and good credit, but limited amounts of cash for
the down payment!
4) How to create double digit, triple digit, or even infinite returns using arbitrage - e.g.
borrow money at a fixed rate of 4% and invest it for virtually guaranteed profits of 6%
or better.
5) How a real estate investor can leverage even small amounts of equity in their
existing real estate to buy more income property.
6) How to refinance your primary residence and rental properties at today's low interest
rates, even if you have NO EQUITY

3. www.HasslefreeCashflowInvesting.com
David Campbell - Founder
Hassle-Free Cashflow Investing
Former high school band director
Self-made multi-millionaire
Real Estate investor / developer / broker
+$800 million in transactional experience
Financial educator / author / speaker
Houses, condo-conversion, multi-family, winery, resort, office,
retail, medical office, production home building
Faculty Member: Investor Summit at Sea with Robert Kiyosaki
Regular Contributor to the Real Estate Guys Radio Show

4. • Mortgage specialist for over 15 years.
• Over 22 years in sales, marketing, and customer service.
• One of the top mortgage producers in Dallas-Fort Worth, TX.
• Focus on residential lending and residential investor financing.
• Active real estate investor.

5. RELATIONSHIPS
IDEAS
OPPORTUNITIES
NOT a sales pitch
NOT investment, legal, or tax advice

7. PrimeLending Locations
• We currently have over 200 offices in 41 state with this national
representation, we are well equipped to provide loans in ALL 50
states.
I Can Provide You
Loans in
All 50 States

8. MINDSET
Arbitrage is the investment strategy of
borrowing money to invest for a profit.

9. RULE #1 of Hassle-Free Cashflow Investing
CAP Rate > Interest Rate
positive leverage
infinite ROI

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CAP > interest rate
• $100k price x 6 CAP = $6k NOI
• $100k debt x 5% interest rate = $5k expense
• $6k income - $5k expense = $1k profit
infinite ROI

11. Case Study
No financing = No Arbitrage
6 CAP > 7% Interest Rate = Negative Arbitrage
6 CAP > 5% Interest Rate = Positive Arbitrage

12. No Arbitrage
NO MORTGAGE
Price: $100,000
6 CAP
$6,000 NOI
n/a
n/a mortgage
$0 Interest Cost
$6,000 profit
$100,000 invested
6% ROI

13. No Arbitrage Negative Arbitrage
NO MORTGAGE Interest > CAP (Bad)
Price: $100,000 Price: $100,000
6 CAP 6 CAP
$6,000 NOI $6,000 NOI
n/a 7% Interest Rate
n/a mortgage $80,000 mortgage
$0 Interest Cost $5,600 Interest Cost
$6,000 profit $400 Profit
$100,000 invested $20,000 invested
6% ROI 2% ROI

14. No Arbitrage Negative Arbitrage Positive Arbitrage
NO MORTGAGE Interest > CAP (Bad) CAP > Interest (Good)
Price: $100,000 Price: $100,000 Price: $100,000
6 CAP 6 CAP 6 CAP
$6,000 NOI $6,000 NOI $6,000 NOI
n/a 7% Interest Rate 5% Interest Rate
n/a mortgage $80,000 mortgage $80,000 mortgage
$0 Interest Cost $5,600 Interest Cost $4,000 Interest Cost
$6,000 profit $400 Profit $2,000 profit
$100,000 invested $20,000 invested $20,000 invested
6% ROI 2% ROI 10% ROI

15. Essential Resources
• cash
• cashflow
• credit LIMITED
• equity
• time LIMITED and INFINITE
• talent
• strategic relationships INFINITE
• control of an opportunity

16. Income
DTI
cash reserves
Mortgage
Credit Collateral
property type
FICO condition
exclusion events location
LTV

17. Historically low interest rates
Why NOW is the time to buy real estate!

18. Home prices have returned to
the long term trend line
Why NOW is the time to buy real estate!

19. Home
prices
below CPI CPI
median
home
prices
Why NOW is the time to buy real estate!

20. interest rates and median
prices home price
are low interest
at the same rates
time
Why NOW is the time to buy real estate!

21. Investor Loan Programs 1 – 4 Loans
20% Down Payment available for Single Family
30, 20, 15, & 10 Rate Programs
Adjustable Rate Loan Programs
Minimum Credit Score of 620
Cash Reserves – 6 Months on Subject and 2 current
H.E.L.O.C. Fund allowed
No Gift Funds allowed

22. Investor Loan Programs 5 - 10 Loans
25% Down Payment available for Single Family
30 & 15 Rate Programs
5 Year Adjustable Rate Loan Program
Minimum Credit Score of 720
Cash Reserves – 6 Months on all properties owned
H.E.L.O.C. Fund allowed
No Gift Funds allowed

23. Loan Programs
Fannie Mae Home Path Programs
Fannie Mae Home Style Programs
Cash Out Refinance (Seasoned & Non-
Seasoned)
We honor 1031 Exchanges (No Entity Vesting)
H.A.R.P. 2.0 Refinance Programs

24. (H.A.R.P.) Home Affordable Refinance
Program Highlights
• More Appraisal Waivers offered
• More flexibility in tranference of current private mortgage
insurance
• Unlimited Loan to values available with certain servicers and loans
without Private Mortgage Insurance!
• Loan-to-value up to 125% with or without private mortgage
insurance
• Owner occupied, 2nd home and investment properties 1-4 units
• Additional DU Refi-Plus programs
• Unlimited # of properties owned
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25. (H.A.R.P.) Home Affordable Refinance
Program Requirements
• Current mortgage must be owned or guaranteed by Freddie
Mac or Fannie Mae
• Current mortgage must have been sold to Fannie Mae or
Freddie Mac on or before May 31, 2009
• Current mortgage cannot have been refinanced under HARP
previously unless it is a Fannie Mae loan
that was refinanced under HARP from March-May, 2009
• Current loan-to-value ratio must be greater than 80%
• The borrower must be current on the mortgage at the time
of the refinance, with a good payment history in the past 12
months
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26. Can you qualify for a mortgage?
Determine your debt-to-income ratio. If a loan program uses
a 28/36 qualifying ratio, it means you are allowed to spend
no more than 28% of your gross income on monthly
mortgage payments, and no more than 36% on total debt.
This includes debts such as car and school loans, credit
cards, child support and alimony. If a person earns $60,000
per year, their monthly gross income is $5,000. Under the
28/36 guidelines, their maximum monthly mortgage payment
should not exceed $1,400, while their totally monthly debt
should not exceed $1,800.
Down payments are generally paid in cash, due at closing,
and are based on a percentage of the selling price of the sales
price. You can make a down payment of 20% or 25% to get a
better interest rate and reduce your DTI ration.

27. How many properties can I afford?
On rental properties, we will give you 75% of the gross
rent toward your qualifying ratios
We will also give your credit on any addition rentals
properties that you may be purchasing at the same time.
If property in tenant occupied at the time of purchase, we
will give you 75% of the TRUE gross lease amount.
If the property is not lease out at the time of closing, we
will still give you credit of the true comparable market
rents determine by the appraiser.

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How does this work?
Scenario 1 Scenario 2
Sales Price
$100,000 Sales Price
$100,000
Loan Amount 75%
$75,000 Loan Amount 75%
$75,000
PITI Payment
$682.00 PITI Payment
$682.00
75% of Lease
$750.00 75% of Lease
$750.00
PITI payment
$682.00 PITI payment
$682.00
Qualifying income
$0 Qualifying income
$68.00
Non-Seasoned Seasoned Landlord
Landlord Over 2 Years
Under 2 Years

29. Applying for the Loan
 Make Loan Application
 Apply Online
 Phone Application
 Discuss your loan application in great detail
with your loan officer.
 Choose a product that make since for your
financial needs and commit to a rate lock.
 Review your loan disclosures, sign, date, and
return with any requested documentation.

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Applying for the Loan
Sending loan documentation
Email – Preferably in PDF form
Toll free fax (All faxes go directly to me)
Express Mail, FedEx, or UPS (No Snail mail)
Third party vendors will be ordered, i.e. Appraisal, Title,
Survey, and Insurance.
Once all needed documentation is in our office,
the processor will organize and submit the loan
to our in-house underwriters for loan approval.

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Underwriting And Closing
Once the loan is reviewed, validated, and
conditionally approved by the underwriter, we will
notify you on any loan conditions that needed to be
cleared for closing.
After all conditions are satisfy, the loan is sent to
our closing department.
Loan documents are drawn and sent to the title
company with closing instructions.

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Closing and Funding
The title closer will prepared the HUD settlement
statement for our approval and will be set to the
borrower in advance for their review.
The title company will coordinate with the borrower on
where to send the closing documents.
The title company can also send the documents to a
mobile notary for your convenience or you may choose
to use your own notary.

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Closing and Funding
Once the closing papers are signed, notarized and
returned to the title company, the closer will forward to
PrimeLending for funding.
Our closing department will validate the necessary
signed documents and if complete will fund the loan.
 Primelending funds and your fund will be sent to the
title company in order to complete the closing.

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DO’s and DON’T

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What to DO during your loan process!
Be responsive and don’t delay the process
Inform us if your address changes from what appears on
your original loan application.
Full Disclosure is recommended
Obtain homeowner’s insurance with minimum coverage
equal to the amount of your total loan or the
replacement value of the house.
Call my office with your agent’s name and
phone number at least 10 days before closing.

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What to DO during your loan process!
Let us know of any “Family Trust” requirements at the
time of loan application. All revocable trusts have to be
approved by our attorneys. We will need ALL pages of
the trust document.
Keep all documentation (or a “paper trail”) on any
large deposits into your account. A “paper trail” is
composed of the copies of all paperwork necessary
to prove a financial transaction: copies of all checks,
deposit slips, loan paperwork, forms to liquidate
assets, etc.

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What NOT to DO!
Acquire any additional credit lines or make any large
purchases on existing credit without first consulting us.
For example: Purchasing a car or buying appliances for
your new home will change your debt-to-income ratios.
Change jobs without consulting us. A change in
compensation may affect your ability to qualify. Borrowers
must have a two-year history of bonuses and/or
commissions to be counted as income. Lenders may
verify employment on the day of closing as a quality
control check.

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What NOT to DO!
Negotiate your contract with an allowance and expect to
get money back at closing. An allowance can be used to
pay closing costs and/or prepaids.
Co-sign with anyone to obtain a line of credit or make a
purchase. The payment will show up on your credit
report as an additional debt.
DON’T ASSUME ANYTHING!!!

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Questions
FREE Consultation:
David@HasslefreeCashflowInvesting.com

40. David@HasslefreeCashflowInvesting.com
www.HasslefreeCashflowInvesting.com
www.HasslefreeCashflowInvesting.com
GParham@PrimeLending.com
www.GrahamParham.com