Contents
BUILD REAL ESTATE WEALTH
ENJOY THE JOURNEY OF RENTAL PROPERTY INVESTMENT
CONTENTS
FOREWARD
ACKNOWLEDGEMENTS
HOW TO GET THE MOST OUT OF THIS BOOK
INTRODUCTION
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My intentions for writing this book
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What this book is about
PREFACE (The Vacant Lot)
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Laying the foundation for The Foundation
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Why people sabotage themselves
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Real estate is the IDEAL investment
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The rental real estate game in a nutshell
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The three main reasons why people don’t invest in real estate
CHAPTER ONE—EDUCATION (Site Clearing and Breaking Ground)
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Get some education before you start
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You don’t have to give up your day job or career to invest
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The expanded real estate game in a nutshell
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Depreciation discussion
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If you can do this…
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You don’t have to do everything yourself
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Team members to consider
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Kessler’s 10 rules for success in real estate
CHAPTER TWO—ACQUIRING PROPERTIES (The Foundation)
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Phase One—Creating your legal entity
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Ways to title properties other than in entities
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Descriptions of legal entities
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Owning property within your IRA
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What to consider when forming an entity
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Phase Two—Searching for a property that meets your criteria
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Types of residential property
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Types of commercial property
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Niche types of residential tenants
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Summary of what to consider in a property
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Other factors to consider in a property
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Sources of properties
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Getting sellers to come to you
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Going directly to the sellers
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Auctions
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Types of distressed sellers and how to find them
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Phase Three—Negotiating the purchase
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Requirements for successful negotiation
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Questions for finding out why owners are selling
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Points to be negotiated for a seller finance deal
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General tips for negotiating
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Phase Four—Doing your due diligence
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What to check during due diligence
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Phase Five—Financing the deal
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Sources of funds to pay all cash
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Rules for borrowing by using credit cards cash advances
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Sources of funds when the property does not secure the loan
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Sources of funds when the loan is secured by the property
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Hard money loan features
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Bank loan features
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Documentation information required by banks
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Phase Six—Preparing for a closing
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Types of inspections
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Obtaining property insurance
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Other tasks before a closing
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CHAPTER THREE—PREPARING YOUR PROPERTY FOR TENANTS (Framing)
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Repair and maintenance team
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Suppliers
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Office files and records
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Banking and accounting
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Physical preparation of the apartment for viewing
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Setting your rental rate
CHAPTER FOUR—ACQUIRING TENANTS (Roofing)
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Marketing the available unit
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Screening callers over the phone
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Showing the unit
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Taking a rental application
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Processing a rental application
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Approving the applicant and offering them the rental unit
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Signing the lease
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Arranging the move-in
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Move-in day
CHAPTER FIVE—PROPERTY MANAGEMENT (Utilities)
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Routine maintenance
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Unplanned maintenance
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Suggested tools and supplies
CHAPTER SIX—TENANT MANAGEMENT (Doors and Windows)
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How to show respect to tenants
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Routine interactions with tenants
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Rent collection
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Lease renewals
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Inspections of the rental unit
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Periodic communications
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Move-outs
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Discussion of security deposits
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Unplanned interactions with tenants
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Lease violations
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Evictions
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Sudden events that affect the lease
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Tenant is asking for a change in the lease
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Death of tenants
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CHAPTER SEVEN—THE AUTHOR’S BACKSTORY
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Designing and general contracting our home
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Deciding in junior high that I wanted to be a disc jockey and own rental property
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Starting the SPRING Foundation in high school
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College radio disc jockey
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Professional radio disc jockey
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Full time professional mobile disc jockey
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Buying my first rental, flipping houses, and hard money lending
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The three most dangerous words in the English language
CHAPTER EIGHT—HOUSE FLIPPING: AN OVERVIEW
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QR Code to bonus material
CHAPTER NINE—HOW TO GROW FROM $0 TO $10,000 PER MONTH NET CASH FLOW FROM RENTAL PROPERTIES
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The assumptions
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The math
CHAPTER TEN—TAX IMPLICATIONS FROM OPERATING RENTAL PROPERTY
(Framing and Drywall)
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The three primary tax advantages for rental property
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Section One—Tax Forms
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Section Two—Rental Income
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Treatment of different types of cash in
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Section Three—Expenses
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Depreciation
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Typical categories of expense
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Qualified business income deduction under section 199A of the IRS Code
CHAPTER ELEVEN—THE IMPACT OF WEALTH (Paint)
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The difference between being rich and being wealthy
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I would rather lose all my money…
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Two myths about wealth
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Tithing to your church and making charitable contributions
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Personal finance wisdom
CHAPTER TWELVE—HOW TO PAINT A PICTURE WITH YOUR PERSONAL
FINANCIAL STATEMENT
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Questions about your income and expenses
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Questions about your assets and liabilities
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Personal questions
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Types of current assets
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Types of long-term assets
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Types of current liabilities
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Types of long-term liabilities
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Sources of household income
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Types of household expenses
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Concluding personal financial advice
CHAPTER THIRTEEN—SELLING RENTAL PROPERTIES (Utilities)
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Putting yourself on the other side of the equation as a seller
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Tips and thoughts
CHAPTER FOURTEEN—BEST PRACTICES (Flooring)
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Insurance
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Types of business insurance
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Types of personal insurance
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Estate planning
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Medical directives
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Being considerate to yourself and your heirs
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Organizing and storing important documents
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Bank accounts
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Saving money
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Different categories of savings
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How it appears on paper counts
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Proper form for a business letter
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Supporting cast members
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Roles to be filled by others in your life
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CHAPTER FIFTEEN—THE CONCLUSION (Landscaping)
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Final advice
CHAPTER SIXTEEN—BONUS FROM “REAL ESTATE STEVE” SZUMIGALE
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Ten Different Types of Real Estate Deals: The Art of Creative Financing & No Money Down
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Change your thinking. Change your life