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Creative Financing For Real Estate Investors
Introduction
Welcome Message + Do This First! (3:38)
Important Disclosure
Why Not Just Use Bank Financing? (6:50)
The Benefits of Creative Financing (5:54)
Module 1 - Private Loans
Module #1 - Presentation Slides
What is Private Money? (11:44)
Benefits of Private Money (18:59)
Legal Considerations (14:46)
How to Structure - Short-Term, Fixed-Interest Loans (18:26)
How to Structure - Short-Term Variations - 100% Financing (3:39)
How to Structure - Short-Term Variations - Minimum Return (2:39)
How to Structure - Short-Term Variations - No Payments (Accrued Interest) (3:00)
How to Structure - Short-Term Variations - Kicker, Split Cap, Participating Loan (10:51)
How to Structure - Short-Term Variations - Combined 1st & 2nd Mortgages (3:48)
How to Structure - Long-Term, Fixed-Interest Loans (7:46)
How to Structure - Long-Term Variations - Call vs Balloon Note (4:05)
How to Structure - Long-Term Variations - Variable Interest Rate (5:19)
How to Structure - Long-Term Variations - Sell With Owner Financing (3:18)
Find Private Lenders - Key Tips (12:29)
Find Private Lenders - Different Types of Lenders (4:40)
Find Private Lenders - How to Avoid Problem Lenders (6:15)
Find Private Lenders - How to Build Credibility (9:55)
How to Present Loan Opportunities - Chad's Process (3:39)
How to Present Loan Opportunities - Sample Loan Proposal (6:25)
Common Lender Objections (With Responses by Dyches & Chad) (17:43)
Module #1 Quiz
Module 2 - Self-Directed Retirement Account Loans
Module #2 - Presentation Slides
What is a Self Directed Retirement Account (7:44)
Different Types of Accounts (30:11)
Who Are Disqualified Parties (3:54)
Prohibited Transaction Rules (6:04)
Penalty Examples (5:44)
Unrelated Business Income Tax (UBIT) (7:40)
Example 1 - Straight Loan (11:36)
Example 2 - Option to Purchase with Small Funds (4:47)
Example 3 - Rental Property Investment (5:57)
Real Estate in Your IRA or Solo 401k (10:05)
Example 4 - Partner With Your IRA (5:37)
Additional Tips for SDRA Investing (11:31)
Module 2 Quiz
Module 3 - BUYING With Seller Financing
Module #3 - Presentation Slides
What is Buying with Owner Financing (6:01)
Benefits of Buying with Owner Financing (14:45)
Example #1 - Traditional Seller Financing (10:11)
Example #2 - Second Mortgage Seller Financing (8:25)
How to Find Owner Financing (8:33)
Tips to Negotiate Owner Financing (18:10)
Asking for Discounts (7:41)
Module 3 Quiz - Buying With Owner Financing
Module 4 - Selling With Seller Financing
Module #4 - Presentation Slides
The Basics of Selling with Owner Financing (7:03)
Benefits of Selling with Owner Financing (15:18)
Dodd-Frank Act & Other Regulations to Be Aware Of (13:32)
Structuring Financing to Sell the Loan (15:14)
How to Screen Buyers for Owner Financing (9:48)
How to Service Owner Financing (11:00)
Dealing with Defaults (12:55)
Module 4 Quiz - Selling With Owner Financing
Module 5 - Option to Purchase (aka Straight Option)
Module #5 - Presentation Slides
What Is It? (5:16)
Benefits & When to Use (8:31)
Example #1 (13:36)
Example #2 (12:23)
Example #3 (6:27)
How to Protect Your Option (6:38)
Other Tips (7:28)
Module 5 Quiz
Module 6 - Lease With Option to Purchase
Module #6 - Presentation Slides
What Is It? (2:16)
Benefits & When To Use (10:35)
Example #1 (9:41)
Example #2 (14:30)
Example #3 (10:06)
How to Structure & Protect Your Lease Option (8:07)
Other Tips (10:34)
Module 7- Subject-to the Mortgage
Module #7 - Presentation Slides
What is Subject to the Mortgage? (2:02)
Benefits of Subject to the Mortgage (1:54)
Basics of How to Use It (8:58)
Example #1 (11:29)
Insurance for the Subject To Deal (9:21)
Power of Attorney (4:42)
Module 7 Quiz - Subject-to the Mortgage
Module 8 - Contract-For-Deed / Bond-For-Title / Land Contract
Module #8 - Presentation Slides
What is a Contract For Deed (2:01)
When to Use It (& When Not To) (10:12)
Example #1 (7:10)
Cautions (3:33)
Insurance for Contract for Deed (4:54)
Module 8 Quiz - Contract-For-Deed / Land Contract
Module 9 - Wrap Around Mortgage
Module #9 - Presentation Slides
What is a Wrap Around Mortgage? (5:54)
Case Study (3:16)
Calculating Return on the Wrap Equity (8:20)
Wrapping Previous Owner Financing (4:09)
Cautions on Wraps (2:42)
Split Wraps (7:16)
Module 9 Quiz - Wrap Around Mortgage
Module 10 - Key Terms, Clauses, & Paperwork
Module #10 - Presentation Slides
Review of Basic Paperwork Needed for Different Techniques (29:07)
Key Terms - Interest Rate (12:22)
Key Terms - Payments (16:48)
Key Terms - First Right of Refusal (7:32)
Key Terms - Non-recourse Exculpatory Clause (4:39)
Key Terms - Due on Sale Clause Assignment Assumption (8:27)
Key Terms - Partial Release (4:28)
Key Terms - Wrap Mortgage (6:50)
Key Terms - Substitution of Security (13:20)
Key Terms - Exchange Clause (3:42)
Key Terms - Subordination Clause (4:00)
Key Terms - Insurance Proceeds (3:33)
Key Terms - Written Notice of Default (3:56)
Module 10 Quiz - Key Terms, Clauses, and Paperwork
Module 11 - Tax Treatment of Creative Financing Techniques
Module #11 - Presentation Slides
The Basics of Income Taxes (21:13)
Depreciation and Recapture (15:36)
Section 121 Owner Occupant Exclusion (Live-in Flips) (7:13)
Imputed Interest (7:48)
Installment Sale & Dealer Property (7:16)
Contract-For-Deed (Land Contract) (3:09)
End of Year Reporting (1098s) (2:24)
Option Premiums and Lease Options (8:36)
Foreclosure and Cancellation of Debt (4:07)
Module 11 Quiz - Tax Treatment of Creative Financing
Conclusion
Final Message + Need Your Help (1:22)
Course Book
Digital Version of the Course Book
Physical Version of the Course Book
Forms / Paperwork
Forms - Private Money
Forms - Buying With Owner Financing
Forms - Selling with Owner Financing
Forms - Options
Forms - Lease Options
Forms - Subject-to
Forms - Contract-For-Deed / Land Contract
Forms - Wrap Around Mortgage
Office Hours Calls with Chad and Dyches
8-31-2021 Office Hours (89:43)
9-8-2021 Office Hours (99:36)
Key Terms - Non-recourse Exculpatory Clause
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