"How To Borrow All The Money You Want From People, Not Banks – And Get It Faster And Easier, With No Monthly Payments Or Borrowing Limits"

Never Again Lose A Deal Because
You Can’t Finance It Fast Enough!

By Alan Cowgill,
America’s #1 authority on
attracting private money

You too can get all the money you want from people, not banks. You can get it faster and easier, with no limit on how much you can borrow.

In this Special Report, you’ll learn how to borrow from private lenders…

• With no monthly payments
• With no points or fees – and virtually no closing costs.
• With no out of pocket costs – not even for renovations.
• With no credit checks or tax returns.
• With no waiting periods.
• With no prepayment penalties

Alan Cowgill is America’s #1 authority on attracting private money. In this Special Report, he spills the beans on how he raised $2+ Million from everyday folks seeking good returns from their investment dollars. He shows you how to create an endless supply of money, and borrow on your terms.

With private lenders ready and eager to finance your deals, you’ll be able to…

• Buy dirt-cheap properties like there’s no tomorrow. Never lose a deal to someone with “all cash” because you can’t finance the deal fast enough.
• Always have cash to close the deal. Make every offer with confidence.
• Never take a dime out of your pocket. You always get 100% financing, plus the money you need for renovations.
• Collect part of your future profit the day you buy a property.
• Borrow with no monthly payments. After all, you’re the one who defines the loan terms. So you entice lenders to let interest accrue until you sell the property.
• Wield your “all cash” position to negotiate rock bottom prices on the properties you buy.
• Money is always waiting for you. The moment you sell one property, your next loan is sitting there, waiting for you to buy another.

Special Report Contents:
1:  How Private Money Makes You A Millionaire
2:  Why Seasoned Investors Never Use Banks
3:  Never Be Handcuffed By “Creative Financing”
4:  Never Let Hard Money Lenders Squeeze You Dry
5:  Get All The Money You Want From Individuals, Not Banks
6:  How Overconfidence Can Damage Your Lending Relationships
7:  How To Make Your Phone Ring Off The Hook With Lenders
8:  Attract Prospects And Make Them Beg To Loan You Money

Over the past twelve years, Alan Cowgill has perfected sixteen methods for attracting people with money, winning their confidence, and turning them into private lenders. He’s acquired over 200 properties, and since 2002, he’s financed 100% of his purchases and renovations with private money.

Today, Mr. Cowgill has $2+ Million of private money invested in roughly 60 houses and small apartment buildings. No wonder he’s interviewed alongside Donald Trump in the book Walking With The Wise Real Estate Investor.

Industry leaders call him the #1 authority on attracting private money, and compete with each other to book him at their conferences. Investors always pay a premium to see Alan speak. For example:

• When Dave Lindahl featured Mr. Cowgill at his “Apartment House Riches” Boot Camp, investors paid $3,495 to attend.

• When Ron LeGrand featured Mr. Cowgill at his 5-day “Massive Income Strategies” Boot Camp, investors paid $4,995 to participate.

• When Scott Scheel featured Mr. Cowgill at his 5-day “Commercial Property Academy”, investors paid $6,497 to participate.

Last year alone, Mr. Cowgill spoke at 54 conferences and boot camps. These events consistently sell out, with anywhere from 150 to 400 investors attending.

How Private Money Makes You A Millionaire:
 Impossible Dream Comes True For Real Estate Investors

Imagine it’s two months from now. Your local competitors can never seem to line up financing fast enough. In fact, many of them are afraid to make offers because they don’t know how they’ll finance the deals. But you have an unfair advantage…

You’re surrounded by dozens of private lenders, ready and eager to finance your real estate deals. I’m talking about regular people who love getting a good return on their investment dollars.

And now that you’re free from using banks, hard-money lenders, and your personal funds, there’s no limit to the number of properties you can buy!

Friend, with the methods you’re about to learn, you too can have millions of dollars waiting in the wings – without jumping through hoops for bank loans, being ripped off by hard-money lenders, or getting blown off by sellers who fear creative financing.

If you have private lenders now, you’ll learn to attract so many more that they fight to loan you money. And once they’re in competition, they’ll gladly accept a lower interest rate. (After all, their only safe alternative is a CD that pays 4%!)

But your credibility is a huge factor. Without the right approach, you could be dismissed as a “fly by night”, wreck your precious lending relationships, or get trampled by the S.E.C.

I’ll show you how to duplicate my protégés and I. You’ll learn to avoid the pitfalls. You’ll discover my bulletproof methods for attracting private lenders, showing them that you’re competent and credible, and winning their trust.

Why Seasoned Investors Never Use Banks

You were probably drawn to real estate for the profit potential. But if you’re like me, you also love being your own boss, calling your own shots, and making your own rules.

So why let banks decide your fate? Why have your hands tied by their strict underwriting guidelines? Why jump through hoops to prove that you’re a good risk?
 
I have good credit, but that doesn’t guarantee anything. I once waited 4-1/2 months to get a bank loan approved. If the seller had been impatient (which is normal), I would’ve lost the deal.

The bottom line is, you can’t count on your relationship with a banker. I did, and then one day the “regulators” came in and blocked him from doing real estate investor loans. That shut me down instantly. Here’s what happens when you’re at the mercy of banks:

• You lose the hottest deals. That’s because banks can’t finance them fast enough. Distressed sellers need cash today, not in 30-60 days.

• You’ve got to cough up a 20% down payment. So your personal funds are always tied up, crippling your cash flow and limiting the number of properties you can own at once.

• You’re nailed with excessive points and loan fees.

• You can’t finance properties with water damage, missing furnaces, old electrical systems, or anything unusual. Banks are too picky about which properties they’ll finance – and you’re constantly at the mercy.

• You’re crushed by backbreaking monthly payments – and often stressed out by negative cash flow.

• You could be approved at first, only to have the underwriters change their minds at the last minute.

You’re also disqualified from borrowing when you own “too many” properties, leave your salaried job, or don’t have perfect credit. And when you want to finance high-priced properties, such as lakefront houses or apartment buildings, even good credit and income may not satisfy the bank.

Banks might have worked until now. But the moment you quit your day job – or start buying “too many” properties – you’ll lose your ability to borrow from banks. Here’s are recent emails that demonstrate my point:

Never Again Be Handcuffed By “Creative Financing”

In those rare cases where a seller agrees to owner financing, lease options, or “subject to” financing, these creative techniques are great. They free you from using banks and hard-money lenders. But let’s be honest.

When you sell a property, which do you prefer… terms that leave you cash-poor (with ongoing risk if the buyer defaults)… or an all-cash offer? Most sellers are like you. They want closure. They want all cash. When you rely on creative financing…

• You lose the hottest bargains – because investors with “all cash” always beat you to the punch.
• You can’t buy REOs with creative financing.
• You can’t close on most of the deals you find – since 90%+ of sellers are afraid of seller financing.
• You usually pay a higher price. When sellers concede to creative financing, they usually demand higher prices. Those inflated prices eat into your profits – and the experts who teach these methods are the first to admit it!
• This method is impossible in a hot seller’s market.

Never Let Hard-Money Lenders Squeeze You Dry

When sellers are distressed, they need cash fast. They can’t wait for bank loans. And they rarely offer creative financing. So most investors think hard-money lenders are the only option. But there are far too many downsides:

• You’ve got to cough up a 15% down payment. This ties up your personal funds, cripples your cash flow, and limits the number of properties you can own at once.

• You’ve got to pay the loan back within 12 months – so you can’t lease option or owner finance the property.

• You pay a high interest rate plus five points. And you get eaten alive by all of the additional padded closing costs. (When I used hard-money lenders, I saw $5,000 in padded fees, points, etc.)

• You need good credit and tax returns. Ten years ago, hard-money lenders loaned solely based on 65% LTV. But today, they qualify you like banks.

• You’ve got to cough up your own cash for renovations. That’s because your rehab funds are stuck in escrow. So even though you’re paying interest on this money, you don’t get it until after your renovations are validated by an appraiser. (And you have to pay for the appraiser.)

• You’re slammed with a huge pre-payment penalty – if you flip a house in less than three months.

 
In short, you’re stuck with the lender’s hard-nosed terms. Your exit strategies – and the types of properties you can buy – are severely limited. Even if you’re willing to cough up his outrageous fees, these extra burdens can really hold you back. Let me give you an example…

I live in the small town of Springfield, Ohio, to be near my family.

I recently bought a fixer-upper, and found a couple willing to buy it. The problem: they had poor credit and couldn’t get a bank loan. But they offered me $40,000 down if they could move in immediately. The solution: I gave them a land contract (i.e. contract for deed).

Now suppose I’d financed this fixer with hard money instead. After financing my renovations and new carpeting, the hard-money lender never would have allowed this exit strategy. After all, he wouldn’t want damage from tenants, pets, or anything else (in case he had to foreclose). So I never could have made this fast $40,000 profit.
 

Get All The Money You Want From People, Not Banks – And Get It Faster And Easier, With No Monthly Payments Or Borrowing Limit

With private lenders, you set the terms. So why not eliminate monthly payments – and let the interest accrue until you sell?

With this approach, you can finance every deal with other people’s money, and never pay back one red cent until you collect your profit!

Think about it. When we’re flipping houses and only need cash for a few months, the cost of borrowed money is far less important than its availability. And since payment-free loans are a Godsend for our cash flow, my proteges and I happily offer 10-12% interest to lenders who provide these loans.

If 10-12% sounds high at first, compare it to the traditional way of eliminating monthly debt payments. I’m talking about equity financing. That’s where you find a money partner who finances your purchase and gets half the profit!

With payment-free loans, you come out far better. The extra interest you pay is nowhere near the 50% you’d pay an equity partner. Yet you still enjoy the unique advantage of equity financing:

You can hold dozens – or hundreds – of properties at once, without drowning in negative cash flow.

Once you can grow your real estate portfolio without limits, imagine the phenomenal upside. A few extra points of interest (paid out of your sale proceeds) will feel like pocket change. And remember that you’ll have no points, no pre-payment penalties, and virtually no closing costs. These savings further offset the extra interest.

Later on, I’ll reveal a huge segment of the population that has money to loan but has no need for monthly payments… so they’re glad to let interest accrue.

How To Borrow At Even Lower Interest Rates

Of course, people who need monthly income will accept less interest. (After all, their only safe alternative is a CD paying 4%.) So if you offer them the usual monthly payments, many will loan you money at even lower rates.

If you plan to hold a property for several years, an 8% loan will attract many private lenders. Sure, a bank’s rate may be lower. But that bank loan is worthless if it doesn’t fund fast enough, you don’t have the down payment, or you lose the deal to someone with all cash.

What’s more, the hypothetical “savings” of that lower interest rate is gobbled up by the bank’s inflated points, fees, and closing costs. (Not to mention pre-payment penalties later on.) You might have to hold the property for a decade to offset these overblown costs!

With 100% financing from private lenders, you can pay cash for houses and get them dirt-cheap. You can even borrow the money you need for renovations. So you can beat your competitors to the punch, then get your properties fixed and sold quickly. Best of all,

You have zero out-of-pocket costs!

For example, I got a call from a lady who’d purchased a $65,000 home a few months prior, and still hadn’t made the first payment. The bank was desperate and conceded to sell it for $25,000, cash, provided I could close within five days.

Since the house appraised for $61,000, I borrowed $45,000. Although my loan exceed my $25,000 purchase price, my lender felt secure because the LTV was still less than 75% of the appraisal. Not only did I put $17,045 in my pocket the day I bought it. I lease optioned it a month later – with a $59,900 price tag – and the tenant bought it a year after that.

But without access to private lenders, I could never have exploited the bank’s desperation and made this profit. And neither can you.

Heck, every time I borrow money at 8-12%, I pick up an extra $20,000+ profit I wouldn’t have made otherwise. After all, few distressed sellers can wait for a bank loan to fund. So it’s a win-win: the seller gets fast cash, my lender gets a high return, and I make easy money.

Don’t Let Overconfidence Damage Your Priceless Lending Relationships

From time to time, I get emails from overconfident investors who heard me lecture at a real estate conference, and then jumped the gun. Excited by the benefits of private money, they ran to their friends and relatives for loans, only to be snubbed.

When tested with specific questions, they stumbled. They burned their bridges because they didn’t know the right way to “position” themselves and win the confidence of prospective lenders.

Please don’t make this fatal mistake. Once you burn your relationships, it’s very hard – if not impossible – to salvage them. Why risk being caught off guard with questions you can’t answer?

Why gamble away your hard-won relationships?

If you make the wrong first impression, you’ll be dismissed as an amateur or fly-by-night. And you’ll find it very hard to change that perception later.

Just knowing that it’s possible to borrow from friends and colleagues isn’t enough. Lenders need to trust you to complete your renovations, make timely loan payments (if there are any), and pay off the loan balance as agreed.

If they’re worried about the safety of their investment, even a 12% return won’t convince them. And you can burn your bridges by approaching them the WRONG way. To come across as credible and competent, you must be ready to answer all of their questions.

That’s why I created a foolproof step-by-step system for attracting all of the private lenders you’ll ever need. It’s called Private Lending Made Easy: The Premium System.

How To Make Your Phone Ring Off The Hook With Lenders, Win Their Trust, And Create A Limitless Supply Of Money

Most of my proteges started out as average investors. But once they got hold of Private Lending Made Easy: The Premium System, they quickly raised private money and monopolized their local markets.

My favorite part is their amazement at how easily my techniques work. Following my simple system, I’m convinced that anyone can raise private money. That’s why I’m offering it risk-free for 30 days.

Once you’re armed with this bulletproof system, you’ll have the power to make prospective lenders line up at your door, win their trust, and create a limitless supply of money – ready to be loaned on your terms.

Now let’s look at the specific components of The Premium System:

• “Elizabeth” mailer. This tri-fold mailer frightens stock market investors with the horror story of a woman – Elizabeth Jones – who lost over 30% of her retirement money, and was too old to make it up. Agitated with worry, they’re compelled to call you and learn more about your safe alternative.
• “Elizabeth” postcard: With a condensed version of Elizabeth’s story, this postcard grabs stock market investors “by the jugular”. It’s so compelling that a few mail carriers have actually written down my phone number (before delivering it), and later joined my circle of lenders.
• Postcard for people with CDs: This magnetic postcard agitates your prospects, reminding them that their crummy CD returns aren’t keeping up with inflation.
• Credibility brochure: This tri-fold brochure establishes your credibility, and lists the huge advantages of making loans secured by real estate.
• Newspaper ad: This time-tested ad works like magic. It drives prospective lenders to your doorstep, where they fight each other to be “next in line” to loan you money.

Once you establish a track record, the lenders you’ve paid back will be anxious to loan you more money. You’ll start hearing from their friends and colleagues too. At this point, you won’t need to keep advertising.

But while you’re getting started, my blockbuster ads, postcards, and flyers will provide you with more prospective lenders than you can handle. Like I said, these are the same magnetic tools my protégés and I use to generate non-stop phone calls from people with money.

Once your phone is ringing off the hook, you’ve got three options. You can mail callers my Prospect Exciter Package (detailed in a minute), meet with them 1-on-1, or invite them to a luncheon presentation.

With these last two approaches, my compelling PowerPoint presentation gives the entire sales pitch for you. So you don’t need any public speaking experience. You just click forward from one slide to the next!

Of the three methods, my favorite is giving luncheon presentations. It’s more time-efficient than meeting with individuals.

If you don’t want to stand in front of a group, you can hire your accountant or real estate attorney to lead luncheon presentations. Don’t laugh; some of my protégés are doing this – and it gives them even more credibility. You can also set up one-on-one appointments and show my PowerPoint presentation on your laptop.

1. PowerPoint presentation: This 37-slide presentation turns “just curious” prospects into true believers. I spent over 100 hours developing this presentation, and it’s generated terrific enthusiasm ever since. It wins your prospects’ confidence and makes them eager to participate in your lending program. And when someone can’t attend your luncheon, you can meet privately and show it to them on your laptop.
2. “Parade of Homes” slide show: With dramatic before and after photos of houses I’ve rehabbed, this timed Power Point slide show makes a great impression on prospective lenders. When you present this slide show, your prospects will assume that these are your rehabs – and that’s fine with me. If you prefer, you can say that these are “the kinds of houses” you invest in. Or say that they were rehabbed by one of your associates.
3. Lender reassurance packet: Contains mouth-watering examples of how much money your lender could earn – by loaning you money and letting the interest accrue for five years. Also contains the four documents that secure lender loans: the promissory note, recorded mortgage, UCC-1 filing, and certificate of insurance naming the lender as mortgagee. This reassures your prospective lenders further – because it shows that you have their best interests at heart.
4. Special Report: “How to Safely Grow $35,000 into $1,000,000”. This 8-page report has 12 questions and answers. It wins over even the most skeptical prospects, so you don’t have to. Reproduce it for pennies and give it to prospective lenders. It further entices them to loan you money.
5. Private Lender signup packet: This strategically designed packet will give you everything you need to sign up private lenders, including a welcome letter, commitment form, and investment projection.
6. Participation Form: When you pass out copies of this form, prospective lenders will tell you how much they want to loan you, when they’ll be ready, and who else they know with money to loan.

You might wonder how I came up with this participation form. At my first few luncheons, I didn’t have an effective way to close the sale. So my prospects just ate lunch and left. As I chased them into the parking lot, I felt humiliated — like a stereotypical “ambulance chaser”. Thankfully, you don’t have to repeat my blunder.

To get this solved, I consulted with a high-priced sales consultant. He told me to create a participation form, and it’s been a lifesaver ever since. Now prospects don’t feel pressured. With this soft sell approach, they happily tell me how much money they want to invest, and how soon.

Best of all, a lender’s initial commitment is just a starting point. Once you earn his trust – by paying him back as agreed – he’ll typically loan you a lot more.

If you don’t have a track record yet, these six tools will give you instant credibility. You’ll receive them all online, and a license to reproduce everything for your personal use. These are the same tools I’ve used to get loan commitments totaling as much as $250,000 at a single luncheon.

In this 172-page detailed manual, you’ll receive:

1. The same step-by-step system I use to pack my luncheon presentations with motivated prospects who are frustrated with their current investments. This foolproof system gets them begging to loan you money.
2. My ten secrets to a successful luncheon. Includes a bulletproof guide to setting up and leading your presentation for maximum results.
3. A detailed checklist spelling out exactly what needs to be done the week before your seminar, the day before, the day of, and the day after. It also includes a reservation list, so you can keep track of who’s attending.
4. "Talking points" for each of my overhead slides. So you know what to say during each slide and why. These simple points will convince your prospects that loaning you money beats any other investment.

The best thing about my presentation is that it’s a soft sell method. So you’ll never have to corner your prospects, or pressure them into a decision. My manual also shows you how to:

• Rotate your newspaper ads for maximum response – and discover which section of the daily paper gets the biggest results on which day of the week.

• Blow the lid off your postcard campaign through repeat mailings. Find out how many times you should re-mail the same prospect, and how frequently.

• Four key characteristics of people you should mail postcards to – so your list broker can compile an ultra-responsive list. By the way, I’ll also give you my list broker’s phone number. (Since I only mail to people in my own neighborhood, we won’t be in competition.)

• Six ways to demonstrate credibility. Learn my trust-inspiring approach to answering their questions – so you don’t make the wrong impression and scare them off.

As a bonus, you’ll receive a live recording of my luncheon presentation on CD. You’ll probably memorize it after one listening. But if you need more rehearsal, you can listen as many times as you like.

This package contains a compelling cover letter, sample promissory note, commitment form, and a list of the items securing your lender’s investment. Plus, mouth-watering examples of how much money your lender could earn over five years.

Finally there’s room for credibility boosters like testimonials and a resume. (And I’ll include mine so you can model them.) And it’s all housed in a plastic “clamshell” case.

Most convincing of all is the blockbuster CD titled “A Safe Alternative To The Stock Market”. You won’t believe how well this audio CD motivates your prospects to loan you money. Here’s an example:

I’m thrilled to tell you that the “Safe Alternative” CD works just as well with strangers. For example, a local man received one of my postcards and then called for my Prospect Exciter Package. After listening to this CD, he loaned me private money. I used the money to buy a house, renovated it, and I sold it for a nice $24,000 profit – all because he listened to the “Safe Alternative” CD!

After receiving this package, some prospects still want to meet me in person. But – like the man above – several have offered me money based on this package alone. That’s why I love it. The Prospect Exciter Package pre-sells your prospects, and costs less than $5 to reproduce.

You’ll get a CD-ROM containing all of the printer-ready documents you need to create your own Prospect Exciter Package. It also includes a cover insert for your clamshell, CD labels for “A Safe Alternative…”, and a template of my double-sided business card. Plus, a license to reproduce everything.

1. A bulletproof checklist to prepare you for your meeting. Includes what to bring to the meeting, what to cover, and what documents to notarize and record. It also shows you how to update your bookkeeping software, amend your insurance policy, and reassure your new lender that he made a great decision.
2. Phone scripts: when people respond to your ads, use these bulletproof phone scripts to excite them, reassure them, and compel them to meet with you. You won’t believe how eager and motivated they’ll be to meet with you.
3. Meeting script: Memorize this script for your 1-on-1 meetings. Then you’ll be able to answer the toughest lender questions with confidence. You’ll know the right way to “position” yourself, overcome their skepticism, and win their trust. So even if you’re just getting started, you’ll come across as an “old pro”.

• Follow Up Report - This life-saving spreadsheet quickly and easily organizes the follow-up info for your prospective lenders. So your prospects will never fall through the cracks. You’ll never lose an opportunity because you forgot to follow up.

• Active Lender Report – Makes it easy to pay your lenders on time. Lists each lender’s contact info, the date money was loaned, the amount, and when interest is due (i.e. monthly, quarterly, or when the property sells.)

• Payment Schedule – With this report, you’ll never forget who to pay and when. It shows which payments are due on the first and fifteenth of each month, and lets you type in the date each payment is made.

43 Secrets To Attract Qualified Prospects And Make Them Beg To Loan You Money

In addition to the bulletproof tools you’ve read about, The Premium System has eight audio CDs that’ll transform you into a private money master. They’re divided into three components as follows…

• Capitalize on the synergistic “X factor” of luncheons (that’s impossible to create at hotel meetings or one-on-one appointments). This seductive ingredient will boost your credibility and win over skeptics – effortlessly!

• Turn your luncheon group into a passionate sales force that raves about your opportunity to their friends and associates.

• Win your prospects’ confidence with my trust-inspiring “soft sell” approach. If you shoot from the hip, your attendees could feel pressured to make an on-the-spot decision. Why take that chance? My proteges and I have used this bulletproof approach to raise millions from complete strangers. Now you can too.

• Give the right answer when someone at your luncheon asks, “How many private lenders do you have now?” If you have none and you’re unprepared for this, it could damage your credibility.

• Besides advice for making your luncheon attendees compete to loan you money, you’ll also learn how to:

• Narrow down your mailing list based on little known criteria that make someone very likely to loan you money. (Share this with your local list broker.)

• Keep track of prospects whose funds aren’t liquid yet – so you don’t forget when they’re later in a position to loan you money.

• Dramatically reduce your workload by organizing your files, control charts, and QuickBooks to keep track of your lender’s money.

• Entice lenders to accept quarterly interest payments (vs. monthly). Quarterly payments are a boon to your cash flow because you can usually resell or rent a property within three months. So you can make your first payment out of your profits or first month’s rent.

• Generate a buzz in your community, so even prospects who’ve never seen your ads flood your phone line, eager to loan money.

• What if you borrow short-term money at a high interest rate, but then decide to lease option or rent that property long-term? Learn to swap lenders – and replace the original loan with a cheaper one. Plus, how to replace a lender’s money if he needs to liquidate.

• Discover the “earnest money secret” I used to buy a house on the retail market for a fraction of the asking price. Use your all-cash position to negotiate rock bottom deals.

• Turn your lenders into bird dogs who find distressed properties for you.

• Earn the trust of new lenders who are “trying you out”, and open the floodgates for much bigger loans in the future (from them and their referrals).

• Become the king of short sales your county, constantly beating other investors to the punch.

Let me expand on this last point. After making bad loans, banks are desperate to bail out fast. Once you’ve got private lenders ready with cash, you too can capitalize on their distress and make out like a bandit. You’ll also discover when in the month (and year) banks are most anxious to get bad loans off their books.

• Collaborate with your mailing list broker to create an ultra-qualified list of local millionaires or high income earners who have money parked in CDs. I’ve raised over $2 Million dollars combining this blockbuster strategy with my magnetic postcards (the same ones you’ll receive). Of course, many of the respondents became “repeat customers”, loaning me money again and again each time I repaid them.

• Use dirt-cheap mailers, special reports, “rotating” newspaper ads, and “drip” postcard campaigns to jam-pack every luncheon with qualified prospects.

• Reassure prospective lenders that you’re an expert on finding distressed properties, renovating them, and profitably reselling them.

• Make prospective lenders cringe at their bankers – by explaining how you “cut out the middleman” (i.e. Banks use CDs to borrow your prospects’ money dirt-cheap, but then loan it to property owners at higher rates).

• Never turn away money because a would-be lender can’t cover 100% of your purchase price. Learn to use second mortgages so these lenders can finance your renovations, or piggyback on top of lenders with more to loan.

• Use your “all cash” position to get rock-bottom prices on the properties you buy.

• Borrow the “frozen” money in your lenders’ IRA accounts – by helping them create self-directed IRAs. Screwing this up could irreversibly complicate your lender’s tax obligations. But don’t worry; with our guidance, you’ll know how to choose the right forms and fill them out correctly every time.

• Stop watching your profits disappear because you can’t resell your properties quickly enough. I once had nine renovated houses sitting vacant for months, and the loan payments were eating me alive. Thank God I learned the secret to plugging this leak. This life-saving technique is guaranteed to stop your suffering too.

• Handle demanding prospects who want to micro-manage you. I’ve dealt with a few of these prospects, and our hard-won advice will save you from months of grief.

• Entice your lenders to loan you more and more money. With this strategy, I have many repeat lenders who are now loaning you 5 – 10 times their original investment.

• Position your loans as the only alternative to risky stocks and low-paying CDs.

• Assume the right “posture” so you never come across as begging for money – a perception that can really damage you.

• Create so much demand from lenders that you can slash your interest rate – and still have plenty of lenders lined up to loan you money! When you have too many private lenders, you can even turn away the ones who want too much influence on your deals.

• Quickly screen out prospective lenders who’ll be more trouble than they’re worth. Learn the magic words to pre-screen lenders so you’ll be working only with easy going, qualified lenders. This one session can save you a lot of pain.

• Borrow with no down payment – using a property’s after-repair value to give your lenders security. Here’s how to get the “after repair value” of a property from your appraiser, and get lenders to accept this as “THE VALUE”. Then you can borrow the entire purchase price, plus enough for renovations, while still giving lenders the security of loaning “only” 70% LTV.

• How much interest should you offer your lenders? Learn to use your local “supply and demand” economics to make this decision.

• Should interest start accruing when you receive the lender’s money, or when you close escrow on the property? The former will make your lender happy (and likely to loan you more money). But the latter will save your butt if there’s an unexpected title problem. Take our advice and you won’t have to grapple with this.

• Start conversations with a “magic” 30-second commercial that makes people eager to jump on your bandwagon.

• The second biggest frustration people have with CDs (besides the low rate of return), and how to make your loan program even more appealing – by keeping it clean of this burden.

• Should you route inquiries to your cell phone? Your voicemail? A live answering service? Find out which method I use and why.

• Many prospects will think your offer is “too good to be true”. Learn to explain how private money helps you grab bargains before your competitors do, and negotiate rock-bottom prices.

• At the end of your luncheon, you don’t want to pressure your prospects. But if your “soft sell” is too soft, you’ll forfeit a lot of money. The solution: give your attendees these three choices. This keeps you from losing folks who are “on the fence”. It gets loan commitments from people whose assets aren’t liquid yet. And it generates a ton of referrals.

• The safest way to take money from your lenders, so there’s no mismanagement or even the perception of mismanagement.

• When someone with a ton of money to loan you demands a higher interest rate, should you make an exception?

• Prospective lenders may think, “Are you for real? What have you done?”. Here are five credibility techniques you can use to melt away their skepticism.

• After renovating, should you buy and sell, buy and hold, or lease option your properties? I’ve tried all three. Find out which exit strategy I like best and why.

• Get a “cash advance” against your future profit – and go home with a check the day you buy a property – like Clark Fletcher did…

You’ll find these same secrets in my manual, in the form of a 5-page foolproof check sheet. Here are some of the highlights:

• Secrets to choosing the right location. Don’t let the wrong room size, too many distractions, or too little parking undermine your luncheon. The right location can boost your credibility. But some of the “obvious” choices could backfire on you.

• The four qualities of investors most likely to attend your luncheon. For an ultra-responsive mailing list, give these criteria to your list broker.

• How to maximize the response to your postcard campaign. Should you announce your luncheon time… or make prospects call you for the time? Should you require reservations? What colors get the most attention? Which phrases should be in boldface? Get these answers and more.

• When to mail your postcards (relative to the luncheon date)

• Discover which is more effective: reaching a greater number of prospects with one mailing, or contacting fewer prospects repeatedly.
  

• Create a “doubly whammy” effect with your print ads. Plus: how long to run them, which sections of the paper to run them in, and which phrases to announce in boldface.

• Ultra-motivate your friends and colleagues to send you referrals. This double whammy approach appeals to their pocketbooks AND their egos… because it increases their social status. Best of all, referrals from your friends are usually pre-sold when they call you.

• Structure your loans so that many more buyers compete to buy your property – driving up the price you receive. With the right terms, you’ll command a higher price. But you won’t have this flexibility if your loan is structured wrong.

• Choose the right exit strategy. Should you wholesale a property “as is”, fix it up for a quick profit, or lease option? With private money, you’re finally free to choose the best exit strategy – but no single strategy is right all the time. Discover how to make the right call in each situation.

Entice more of your lenders to let their interest accrue.

• Protect your equity from accruing interest and stay ahead of the game. Discover an “appreciating lease option” technique that’ll make your equity grow faster than the compounding interest on your loan.

• Stop limiting your growth potential – by using your own money for renovations, holding costs, and marketing. Learn to finance these expenses along with the purchase price, so your personal funds can grow tax-free or tax-deferred in IRA’s.

• Never cripple yourself by financing the wrong properties with the wrong loans. Learn the four key questions to determine if a lender needs growth (interest that accrues) vs. monthly payments. Then find out which properties are best financed with which type of loan.

• Outsmart the flawed insurance wisdom when you buy “subject to”, or offer lease options to your tenants. If you ignore this rule, the bank will know that there’s been an ownership change and they could exercise the Due On Sale clause. You could even be nailed for insurance fraud.

• Never overvalue a property because you put too much faith in your comps. This blunder can kill your profits and make it impossible to sell within the promised timeframe. Worst of all, your lender could feel conned if you said his loan was based on a “conservative” LTV. Now you’ll know how to verify the true value of a property.

• Do you need to issue 1099’s annually… or only when a property sells? It all depends on the terms of the loan. Learn how to make that call.

Don’t Risk Being Shut Down By The S.E.C.

Before I became a force in the real estate community, most private lending occurred between friends and relatives. With the release of Private Lending Made Easy: The Premium System, real estate investors in all fifty states began soliciting private loans.

To ensure that you’re never fined by the S.E.C. for non-compliance, I’m going to sweeten the pot with four Super Bonuses worth $1,287 – but supplies are limited, so I’m offering them on a first come, first served basis.

Super Bonus #1: The Real Estate Investors Bible to the S.E.C. Home Study System
(Normally $1,197.00)

If you cringe at the thought of an IRS audit, then believe me, the last thing you want is trouble with the S.E.C. This groundbreaking home study course shows you how to stay in compliance with the S.E.C., so you can advertise and borrow with complete peace of mind.

At the heart of this course is my 360 page manual. It’s packed with inside information and hard-won trade secrets I’ve spent years acquiring.

I also hired my securities attorney Ralph Sherman to record 8 audio CDs. Together, Mr. Sherman and I teach you the easy way to comply with S.E.C. regulations. You’ll discover:

• How to remain exempt from filing paperwork with the government
• How filing requirements change as your pool of lenders grows.
• Advertising no-no’s that could get you into trouble
• Why private mortgage lending is an exempt category
• How to legally advertise and borrow money across state lines.
• When it’s legal to pay commissions, and when it’s not
• The exact disclaimer language to include in your ads, and on your web site.
• Disclosure statements that’ll protect you from liability.
• Explanation of a public offering

Every state has different S.E.C. requirements. If you don’t know the rules for your state, you could face serious fines and penalties. So you can make sure you’re in compliance.

When we form a promissory note, you are selling "securities." That is controlled by the S.E.C. The good news is that we’re in an exempt category. The bad news is it’s not the Wild West, and there are some rules you must follow. The good news is that the rules are easy — the problem most real estate investors have is they don’t know the rules. That’s where I come in.

Super Bonus #3: Three Essential Guides (Normally $89.95)
– For customers who act within 24 hours–

These three guides – delivered as digital ebooks – will arm you with hard-won real estate knowledge:

1. How To Find Motivated Sellers And Buyers For Self Directed IRAs
2. Insights About Private Lending by Robyn Thompson, Queen of Rehab
3. Preforeclosures and Private Lending by Jeff Kaller.

Your $50,000 triple risk-free guarantee

Take a quantum leap forward with “Private Lending Made Easy: The Premium System”. At the end of 30 days, you must be convinced that this is the best investment you’ve ever made. Otherwise, I don’t want your hard-earned money. That’s why I’m inviting you to review everything for 30 days with no risk or obligation. I personally guarantee that:

1. You’ll raise your first $50,000+ within 30 days (and probably a lot sooner).
2. My groundbreaking system is one-of-a-kind – and contains no repackaged filler material, or methods you’ve read or learned elsewhere.
3. Every script, postcard, print ad, mailer, etc, you receive is turnkey and ready-to-go – so you won’t waste a single minute turning abstract concepts into real world tools.

If you somehow acquire less than $50,000 within 30 days (very unlikely!) – or if for ANY reason you don’t find yourself thrilled with my methods – just return the materials in new condition for an immediate 100% refund. No questions. No hassles.

No matter what you decide, the hard-won secrets you’ve learned and the three Super Bonuses worth $1,287 are yours to keep. That’s a guaranteed gain, just for reviewing my bulletproof system.

Many people are shocked that I’m taking this much risk. After all, if too many of my customers were dissatisfied, I could lose my shirt with this offer. How can I be so confident?

Customers who follow my luncheon system typically raise cash within their first 20-30 days. So when I promise you $50,000 within 30 days, I’m actually being conservative.

Your best and worst case scenarios

At best, you’ll start raising private money within 30 days (like many of my protégés have), and you’ll raise millions beyond that. You’ll enjoy a snowball effect as you soar towards financial freedom.

At worst, you’ll get to profit from my secrets risk-free. And even after you return my package, you’ll profit wildly for years to come. For the rest of your life, you’ll have an unfair advantage over your local competitors. You’ll never again lose a great deal because you can’t line up financing.

That hole will be plugged forever – because lenders will be chasing you to borrow their money. And you’ll have the power to finance any kind of real estate deal of any size. You can’t get this education anywhere else on earth. And it’s truly, verifiably, worth a fortune.

Why continue having your hands tied by banks or hard-money lenders? Now you can borrow all the money you want from private lenders – with no monthly payments and no borrowing limits.

Why waste your time and money on “trial and error”? Now you can profit from the same magnetic methods my proteges and I have used to borrow tens of millions of dollars on our own terms.

Why risk being caught off guard with questions you can’t answer? Why make the wrong first impression, and be dismissed as an amateur or fly-by-night?

Why burn your bridges because you did a poor job of “positioning” yourself, and lost the confidence of prospective lenders?

If you procrastinate, you’ll lose the three Super Bonuses worth $1,287. But the natural consequence is much worse. Without Private Lending Made Easy: The Premium System, you’ll never join the major leagues. Your potential will always be stifled by the rules and limitations of banks and hard-money lenders.

Please don’t let that happen. Let me rush you these magnetic methods, secrets, and marketing tools… with zero risk or obligation. I realize that $997 is a significant commitment. But here’s how I would look at it:

• Add up all of the money you’ll save in closing costs.
• Add up all of the hot deals you’ll snatch from your competitors – because you can close immediately (and they can’t).
• Add up all of the negotiations you’ll win because of your “all cash” position.
• Factor in how much easier it’ll be to own lots of property – once you’re liberated from monthly payments.

Now add up the costs of NOT ordering my bulletproof system:

• You’ll continue being gouged by your lender’s inflated closing costs.
• You’ll continue losing deals because you can’t finance them fast enough.
• You’ll continue feeling squeezed by giant monthly payments.
• If you use hard money lenders, you’ll continue paying his inflated fees.

Join my proteges and take a quantum leap forward. Fax us the enclosed order form today. Or call my office toll-free at 1-866-831-3540. (9:00am-4:00pm EST, Monday to Friday). I sincerely look forward to hearing from you.

Regards,

Alan Cowgill

P.S. Supplies are extremely limited. Don’t forfeit the three Super Bonuses worth $1,287. Don’t risk being fined or shut down by the government – because you didn’t qualify for my Home Study System, The Real Estate Investors Bible to the S.E.C. Don’t wind up having to pay full price for these bonuses later, when you realize you really need them. Grab my risk-free offer today.

P.P.S. From Canada? Order the Canadian Version here!