1. real estate

Discover How to Explode
Your Income Through
Real Estate Investing
© 2010 INVICTA Property Investments—All Rights Reserved
www.invictaproperties.ca
Yo
our “Fu
“ ture
eW
Wealtth” Rea
al
Es
state
e In
nvessting
gK
Kit
Discov
D
ver Ho
ow to Explod
E
de Yo
our Inccome
Through
h Real Esta
ate Invvesting
g
By Richard
R
& Jane Kille
een-Payne
e
INV
VICTA Pro
operty Invvestments
W
WELCO
OME and congratulations for down
nloading your fre
ee real esstate
investing
g kit.
It is a un
niversally
y held principle th
hat if you
u want to
o retire rich on a
passive income you mus
st invest in real e
estate. M
Many of tthe world
d’s
w
wealthie
est individ
duals have made
e their va
ast fortun
nes throu
ugh real
estate in
nvesting. The bo
ottom line
e in real estate in
nvesting is simple
e–
tto increa
ase wealth, to wo
ork less and
a to en
njoy life. The wh
hole idea
a of
investing
g is to create inco
ome so while
w
you
u are enjjoying liffe your
money should
s
be
e working for you
u, rather than you
u workin
ng for it.
Now whilst this is
s not gro
ound bre
eaking ne
ews for m
many, wh
hat steals this
dream frrom averrage peo
ople prim
marily is la
ack of ed
ducation
n, lack off cash
fflow and
d lack of capital.
W
We hope
e to prov
vide you with valu
uable infformation
n that will ultimattely
lead you
u on the path to riches
r
an
nd financcial freed
dom.
T
To Your Investin
ng Succe
ess………
…
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
2
Comm
mand More
M
Control in You
ur Fina
ancial Future
e:
A question that many
m
of us should ask ou
urselves is:
here will I be at age
a 65?””
 “Wh
 Will you be a part of
o the pop
pulation who will continue
e to workk
cause of necessity?
bec
 Will you be reliant upon
u
Soc
cial Secu
urity?
 Or will you be financially secure?
A 2001 study
s
rev
vealed more
m
than
n 300,00
00 Canad
dians 65 years off age
and olde
er were still
s working – of that
t
300,000, 57
7 per cen
nt were
between
n the age
es 65-69 and 17 per
cent werre 75 yea
ars of ag
ge or olde
er.
Be sure to take time
t
to th
hink how
w you
tto want to
t retire - not justt when you
y
w
want to retire……
r
….. Beca
ause, if you
w
want to live
l
life on
o your terms and not
be dependent on
n any one income
e
t
the focus is to get sttarted
stream then
ttoday to build mo
onthly pa
assive in
ncome
tthrough real esta
ate inves
sting.
"At leeast eightyy percent of millionaires are self‐
made. That is, they othing but startted with no
ambition and eenergy, the ssame way most of uss startt." Brian
n Tracy T
p
- just peo
ople choo
osing to play at being
There are no orrdinary people
ordinary.
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
3
So wh
hy shou
uld I in
nvest in
n Reall Estate
e?
A
Are you tired of trying
t
to make en
nds mee
et? Are you trying
g to get o
out of
tthe rat ra
ace and secure a better life
l for yo
ou and yyour famiily? If so
o, now
is the tim
me to find
d a differrent way of securring your financia
al future. Well
chosen, non spe
eculative real esta
ate invessting can
n provide
e a mean
ns to
g the life
estyle you
u want, the
t retire
ement yo
ou worke
ed for, an
nd is
acquiring
a method that the wealth
hiest peo
ople in the world understa
and as a form
h creatio
on.
of wealth
"Don't w
wait until everything is just right. ever be pe
erfect. It will ne
There w
will always be challengges, obstaccles and lesss than perffect conditio
ons. So what? Get starrted now. W
With each ste
ep you take
e, you will grow
w strongerr and stronger, more an
nd e and more skkilled, more
more se
elf‐confident and more an
nd more successfful." Mark Viictor Hansen gine exa
actly wha
at you wa
ant out o
of
Imag
life and
a savo
or this mo
oment in
n your
mind
d and lett this feeling stayy with you.
See your new future.
on at all why thiss
Welll there's no reaso
can't be your new life
e... a new
w
hat bringss YOU in
ncredible
e
begiinning th
FRE
EEDOM a
and WEA
ALTH bu
ut you ha
ave
to kn
now how
w and takke action
n to realizze
thos
se dream
ms.
If all you
u did was
s invest in two sin
ngle-fam
mily home
es and never did any
other inv
vesting fo
or the rest of you
ur life, wo
ould you be bette
er off
ffinancially? Abso
olutely!
If you ke
ept your job
j and had
h two rental prropertiess - that w
would be
tthree inc
come streams yo
ou would have co
oming to you. Jusst a few
homes purchase
p
ed now could
c
ma
ake you a milliona
aire in re
etirementt.
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
4
By ownin
ng real estate
e
as
s an inve
estment, you are not relying on So
ocial
Security or your employe
er's pens
sion.
Here’s an
a examp
ple:
If you we
ere to inv
vest in ju
ust one single-fam
s
mily hom
me todayy and kee
ep it
until you
ur retirem
ment, you
u would increase
e your ne
et worth b
by over
$400,000. A $10
00,000 ho
ome app
preciating
g at 5% a year fo
or 30 yea
ars
w
would be
e worth $411,613
$
3. As we
ell as the appreciation, there is alsso a
stream of
o passiv
ve income coming
g to you each an
nd every month.
A
And thatt's a cons
servative
e examp
ple. It cou
uld be much morre in a market
experien
ncing soa
aring app
preciatio
on.
Real esttate has many ad
dvantage
es over o
other typ
pes of invvestmentts
and the following
g six elem
ments arre the prrimary be
enefits:
ositive Ca
ash flow - the am
mount you earn e
each mon
nth in
1. Monthly Po
pos
sitive cas
sh flow frrom yourr investm
ments.
2. Mortgage Loan
L
Red
duction – this is a
also calle
ed Equityy Build U
Up.
Eac
ch month
h the ten
nant pays
s the ren
nt; you se
end a mo
ortgage
pay
yment to your len
nder. A portion
p
off your mortgage paymen
nt is
red
ducing the loan balance. Every dollar in lo
oan that is paid d
down
is wealth
w
to
o you. In fact, you
ur tenantt is payin
ng off you
ur debts.
Wh
hen it com
mes to sell the prroperty, the outstanding mortgag
ge
balance will be sma
aller and thereforre the ressulting p
profit is la
arger.
3. App
preciatio
on - Each
h year yo
ou own th
his renta
al propertty, its va
alue
will be incre
easing. Iff your $1
100,000 home ap
ppreciate
es at 5%
%a
ar, your home
h
wo
ould be worth
w
$10
05,000 a
after the first yea
ar you
yea
own
ned it.
4. Lev
verage – unlike stocks
s
orr mutual funds, p
purchasin
ng real e
estate
allo
ows you to make money on the bank’s mo
oney – th
his is called
leve
erage an
nd it allow
ws you to significcantly inccrease yyour pote
ential
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
5
retu
urn on in
nvestmen
nt.
5. Div
versification – is one
o of th
he keys o
of a stron
ng investtment
porrtfolio. Iff you are
e already
y investin
ng in stoccks, bond
ds or mu
utual
funds, real estate is
s great way
w to strrengthen
n your ho
oldings b
by
esting in a solid, tangible
e asset.
inve
6. Tax
x Savings - At the
e end off the year, your re
ental pro
operty will
sho
ow a loss
s on pap
per for tax
x purposses. The reason is that th
he
CR
RA allows
s you to include an
a
exp
pense ca
alled dep
preciation
n on your
tax return. You
Y don't have to
o pay forr
““I am succeessful this
s expens
se.
T
The amo
ount of entirely
e
you create from
yyour rea
al estate investing
g is completely u
up
tto you. In fact, ho
ow quick
kly you can
c
achieve financial indepen
ndence is
i entirely
up to you too. Yo
ou can create
c
as
s much
T
income, or as litttle as you want. The
choice is
s up to you! The focus is for you tto
get startted today
y and build monthly
passive income so that you
y can live
l
life o
on
yyour term
ms and not
n be de
ependen
nt on anyy
one inco
ome strea
am.
b
because I h
have alwayys b
been a torttoise. I did
d n
not come ffrom a rich
h ffamily. II was not ssmart in sschool. II am not paarticularly ttalented. YYet, I am faar richer tthan most simply b
because I d
did not sstop.” R
Roberty Kiiyosaki Building your we
ealth is simple, bu
ut it's not
easy. Th
he thought of buy
ying a ho
ome and
renting itt out is simple.
s
But
B actua
ally doing
g it is nott so easyy.
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
6
How do I ach
hieve ex
xplosiv
ve returrns on my invvestmen
nts?
Professionals wh
ho have made go
ood mon
ney in rea
al estate
e will tell you
tthere’s no
n easy way
w to get rich.
Sure, the
ere are all
a kinds of produ
ucts
and gimmicks bu
ut you still need to
t
w
work harrd and most
m
impo
ortantly…
…you
need to know yo
our marke
et.
y in a
Rather than just investing blindly
gh resea
arch
market, carry out thoroug
est wisely
y.
and inve
Y
You mak
ke your money
m
in
n real estate
w
when yo
ou buy th
he properrty not when
w
you
u sell the propertyy! It is trrue
yyou may
y put the money in
i your pocket
p
w
when you sell the propertyy, but
if you bo
ought the
e propertty right you have lots and
d lots of o
options o
of
w
what to do
d with it. If you bought the prop
perty wro
ong, you may nott have
any optio
ons. So finding motivate
m
ed sellerss, finding
g propertties below
w
market value,
v
with positiv
ve cash flow beccomes a critical p
part of
successful and profitable
p
e real esttate inve
esting.
Those who
T
w cons
sistently make
m
mo
oney in rreal esta
ate know the marrket.
T
They kno
ow the lo
ocation and
a the history.
h
T
They kno
ow whatt new dev
velopme
ents are p
planned.
T
They kno
ow the trransportation and
d the sch
hools.
T
They kno
ow every
ything ab
bout the area wh
here theyy invest.
Stay ahe
ead of th
he compe
etition in real esta
ate invessting by doing yo
our
homewo
ork. Therre are ma
any fund
damentalls that afffect reall estate
vvalues; each
e
one
e is an im
mportantt compon
nent in finding the ways rreal
estate va
alues will be goin
ng.
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
7
Here are
e a few examples
e
s of the many
m
Pa
assive Fa
actors th
hat influence
real esta
ate value
es:
 Mortg
gage Inte
erest rate
e – low mortgage
m
e rates w
will help d
drive values
upwa
ards and keep inv
vestor co
osts dow
wn but thiis positivve effect is
offsett by the increase
i
e in the vacancy rrate that low inte
erest rate
es
bring. More people
p
are able to
t afford to buy in
n this clim
mate. If you
nd flippin
ng, low in
nterest ra
ates are good forr you butt if
are buying an
a buyin
ng and re
enting, a little increase in the morrtgage
you are
intere
est rate can
c actua
ally work
k in your favor!
 Increa
ased in-m
migration
n – an in
ncrease o
of people
e moving
g into an
n area
driven
n by fund
damenta
als not sp
peculatio
on. You w
want to invest in area
where
e the pop
pulation is growing fasterr than prrovincial average
e.
Watch for ma
ajor anno
ounceme
ents of ne
ew jobs o
or majorr businessses
movin
ng to an area. This is alw
ways a g
good sign
n of futurre increa
ase in
dema
and.
 Up an
nd comin
ng areas
s - The de
evelopm
ment of ne
ew infrasstructure
e and
transportation
n links is a sure sign
s
that an area
a is impro
oving. W
When
you see
s new roads an
nd schoo
ols being
g built, it'ss an indiication th
hat a
comm
munity is set for a growth spurt. B
Be certain
n to visit the loca
al
town hall and planning
g departtment to confirm the expa
ansion plans.
Avoid
d listening to rum
mors and specula
ation and only buy after any
work begins – not beffore it.
 The Outskirts
O
s of an arrea - If propertiess in a ma
ajor city o
or town
becom
me overpriced, th
he areas
s on the outer frin
nges mo
ost likely will
soon be in de
emand. Areas
A
in close pro
oximity tto major bus and
d rail
nsportation are e
even morre desira
able.
tran
Nea
arly any area tha
at is abou
ut to insttall a
majjor train stop or a new major bus
All thin
ngs are diffficult route will be
e in dem
mand.
before
e they are e
easy Thoma
as Fuller o your homework and to tap
It pays to do
al resourrces to d
determine
e which areas
loca
are
e hot now
w and, more impo
ortantly,
whiich oness will be h
hot in the
e future. Be
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
8
certain to
o carry out
o detailed resea
arch of tthe economic fun
ndamentals in
tthe area
a you are
e investin
ng in. Mu
uch of th
he inform
mation is out there
e and
ffree for the
t taking. You ju
ust have
e to be willing to d
do the le
eg work.
T
There arre no gett rich sch
hemes th
hat reallyy work!
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
9
Let som
meone
e find th
he grea
at deal and do
o all the
e hard
work fo
or you:
Do you know
k
a good
g
dea
al when you
y see one?
Do you want
w
a great retu
urn on yo
our mone
ey with ssecurity?
Do you want
w
inve
estments
s without dealing
g with ha
assles an
nd time
consumiing proce
esses?
T
There arre some big hurd
dles with real esta
ate invessting as a meanss of
w
wealth creation.
c
If you've
e been sttruggling
g to build
d momen
ntum with
h your
real esta
ate inves
sting it's more
m
tha
an likely not yourr fault. C
Chances are
yyou've been
b
sold
d on how
w quick and
a easyy it is with
hout anyyone
mentioning the more
m
imp
portant th
hings like
e:






at does a succes
ssful real estate iinvesting
g businesss look like,
wha
wha
at skills are
a required,
how
w to deviise a stra
ategy,
how
w do the stages of
o busine
ess grow
wth affectt strategy,
how
w much work
w
and
d commitment is involved
d
and
d so muc
ch more
T
The drea
am of be
ecoming wealthy and succcessful iis sometthing tha
at we
can all re
elate to, but whe
ere do we
e draw th
he line between tthat drea
am
and reality? There is no shortage
s
e of peop
ple online
e right now sellin
ng
dreams, using biig numbe
ers of wh
hat stude
ents havve made,, and che
ecks
tthey’ve cashed.
c
Howeve
er, keep in mind tthat theirr successs does n
not
ttranslate
e directly
y to your success
s, as man
ny a discclaimer w
will tell yo
ou.
T
This is very
v
impo
ortant to note bec
cause an
nybody tthese da
ays can ccreate
a system
m, marke
et it with plenty off hype an
nd sell a dream.
Y
You can chose to believe
e the hyp
pe and fo
ollow eve
ery get rrich quickk
sales pittch out th
here, or you
y can decide tto invest in your e
educatio
on,
learn the
e fundam
mentals and
a spen
nd time b
building ssuccessfful teamss.
Success
s has gott to be ea
arned, and to be
e successsful you are goin
ng to
need eve
ery adva
antage yo
ou can get
g becau
use goin
ng it alone will on
nly
end up costing
c
you
y thous
sands in mistake
es and tim
me lost.
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
10
How ca
an we help ge
et you closer to yourr dream
m
Our “Futture Wea
alth” prog
gram helps individuals w
who recog
gnize the
e
vvalue of real esta
ate inves
sting but lack the
e time to capitalizze upon
tthese grreat oppo
ortunities
s. Individ
duals who
o decide
e to particcipate in
n this
program
m invest with
w investors wh
ho know
how to buy
b posittive cash
h flow rea
al estate
w
while ma
aximizing
g returns
s. They are
a
“Thee winner iss the chef looking for
f ongoing posittive cash
h flow,
who
o takes thee same property
y appreciation or a combination
ingrredients as everyone of the tw
wo.
uces the elsee and produ
bestt results.” Edw
ward de Bo
ono T
To inves
st in real estate, many
m
of us mustt
ttake actiion out of
o our com
mfort zone. So
many pe
eople kno
ow the benefit
b
off real
estate in
nvesting buy give
e many re
easons a
and excu
uses whyy they arre
not yet ready
r
to invest. Even
E
if yo
ou are a cautiouss “what-iif” investtor
w
we can answer
a
every
e
question fo
or you.
T
The time
e to focus on inve
esting is now. If yyou want to live yyour dream
life, you will neve
er get the
ere if you
u don’t ccommit to
o taking the actio
ons
tthat you need to take tod
day, to ge
et where
e you wa
ant to be tomorro
ow.
g you there,
t
yo
ou just ne
eed to de
ecide, co
ommit to
Real esttate will get
action an
nd succe
eed.
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
11
Develo
oping Your
Y
Winning
W
Mindse
et
Money is
s the too
ol that pro
ovides us with fre
eedom a
and the luxuries o
of
life. Big opportun
o
nities are
e going to
o cross yyour path in life. Howeve
er, if
yyou are in the mindset off poverty
y and sca
arcity the
en you're
e going to
miss the
em. But iff you pre
epare yourself byy learning
g how th
he wealth
hy
tthink and
d work, you'll
y
be in the mindset
m
o
of abunda
ance and
d wealth.
People in a wealthy mind
dset don't ask ho
ow much
h someth
hing costss;
tthey ask
k how mu
uch it will make them.
W
Wealthy people (or those
e who arre on the
eir way to
o being w
wealthy) don't
look at opportun
o
ities bas
sed on prrice. The
ey look a
at the ben
nefits and
tthen dec
cide if the
e price is
s worth itt!
In order for you to
t succeed beyond your wildest e
expectattions (and you
can
n!), you w
will need
d to re-prrogram yyour
pas
st beliefss and expand your positivve
tho
oughts an
nd habitss in orde
er to crea
ate a
“If yyou keep doing the pro
osperouss and we
ealthy atttitude.
sam
me thing the
e same Wh
hilst takin
ng action
n is cruciial to
wayy, you alwaays get the inv
vestmentt successs, menta
al conditio
oning
sam
me result.” tha
at drives this actio
on is parramount and
Albe
ert Einstein
n can
nnot be o
overlookked.
ng your mindset
m
can
c have
e a signifficant impact on achievin
ng
Changin
yyour goa
als.
BECOME YOUR
R OWN SUCCES
S
SS STOR
RY………
…….
T
ng Succe
ess,
To Your Investin
Payne
Richard & Jane Killeen-P
A Properrty Investtments
INVICTA
info@inv
victaprop
perties.ca
a
© 2011 INVICTA Property
y Investments
s - all rights re
eserved – ww
ww.invictaprop
perties.ca |
12