Crazy High Yields - Paper Source OnlineBob Zachmeier! Created Date: 5/7/2017 10:56:49 PM

Bob Zachmeier (520) 404-3744 [email protected] 2017

Secret Formula

for Creating

Crazy High

Yields

Bob Zachmeier


Income Tax Choice

or the HARVEST?on the SEED?

Would you rather pay tax…


Roth IRA

A Roth IRA is an “after tax” investment that

allows you to pay income tax on the “seed”

instead of the “harvest”

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CESA

Coverdell Educational Savings Accounts

(CESA) allow you to pay tax on education

funds before you invest, so the earnings

are tax-free!

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HSA

Health Savings Accounts allow you to

save money in advance for heath care.

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HSA

Get a tax deduction at the time you

invest AND the earnings are tax-free!

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Perpetual Cash Flow

What if your tax-free accounts could

earn yields so high, they’d become

SELF-FUNDING in the first year?


Perpetual Cash Flow

And your collateral is a pretty house,

NOT an ugly house needing repair?

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Profit Observation

An investor’s VALUE is determined by…

the number of problems they solve


Profit Observation

The more problems you solve…

the higher your yield will be!

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Profit Observation

Problems are EVERYWHERE!

The best way to find them is to

LOOK, LISTEN, and find a way

to HELP!

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Purchase price $100,000

Traditional Sale

less commission - $ 6,000

less Seller closing costs - $ 1,000

less Buyer closing costs - $ 3,000

less repairs - $ 1,500

Seller Net $ 88,500


Traditional Sale

On a Full-Price Offer, Sellers net

only 88 to 89% of the sale price!


Another Seller Problem

In a low-supply market it may be difficult

to find another home on short notice and

you may end up homeless!


My Offer

“What if I offer you $90,000 and all you

have to decide is when you want the

check?”


The Seller nets MORE MONEY

and you get a $100,000 home

needing no repairs for $90,000

Buy at a DISCOUNT


Solve BUYER’S Problems

EllieMae.com reported last month that

32% of home buyers who applied for a

loan were turned down!


Sell at a PREMIUM!

These self-employed business owners

will often pay $10,000 to $15,000 MORE

for homes with financing!


Deal Structure on $100K Home

Purchase Price = $115,000

= $15,000Down Payment

1st1st Note = $70,000

= $30,0002nd2nd Note


Deal Structure on $100K Home

Cash at Close = $85,000

= $15,000Down Payment

1st1st Note = $70,000

= $30,0002nd2nd Note

Total = $115,000

$ 5,000

$ 90,000


Loan Amount $30,000

2nd

Note Terms

Interest Rate 8%

Term (months) 360

Monthly Payment $220.13

$ 5,000

52.83%


Is That Sustainable?

52.8% yield is NOT sustainable

The yield will be MUCH HIGHER!


Is That Sustainable?

In addition to earning monthly interest

You’ll be paid several times more than

you invested when the note is paid off!


$115,000 Re-sell with Financing

$ 25,000 PROFIT!!!

Profit Analysis

$ 90,000 Acquisition Cost


$25,000 Profit

$15,000 Premium

$10,000 Discount

Profit Analysis


$ 85,000 Received at closing

$ 70,000 1st Note (retiree)

$ 15,000 Down Payment (buyer)

- $ 90,000 Offered to Seller

- $ 5,000 for $30,000 2nd Note

Investment Analysis


You buy a $30,000 note for $5,000

Investment Assumptions

It pays $220/mo.

You’ll recover your $5,000 investment

every 22.7 months for THIRTY YEARS!


On average, people move in 5-7 years

so you’ll probably be paid off early!

30 Years - REALLY?


$0

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

1 13 25 37 49 61 73 85 97 109

121

133

145

157

169

181

193

205

217

229

241

253

265

277

289

301

313

325

337

349

Five Years Later

25 Years

Left on Note!

5 Years

$1,479 paid offTotal received $13,207 (60 pmts.)

$28,521 left to pay

$41,728 in 5 years!


Wealthy people become wealthy

by finding something that works

and repeating it!

Building WEALTH


Note “Hoarder” Method

Asset Pay Face Value Pmt. / mo.

Year 1 $5,000 $ 30,000 $ 220.13

Year 2 $5,000 $ 30,000 $ 220.13

Year 3 $5,000 $ 30,000 $ 220.13

Year 4 $5,000 $ 30,000 $ 220.13

Year 5 $5,000 $ 30,000 $ 220.13

TOTAL $25,000 $150,000 $1,100.65

Not Bad for $25,000 invested over 5 years!


Note Amount $30,000

What if I Sell the Note?

Term (months) 360

Monthly Payment $220.13

Interest Rate 8.00%

$20,000

Yield 12.93%


What If You Just Started?

ABC Trust

$5,000

Roth IRA

$1,000

Roth IRA

$1,000

CESA

$2,000

HSA

$1,000


ABC IRA Trust – 1st

Year

$5,000 $20,000$30,000

$30,000$30,000 $30,000 $30,000

Pmts. of $880/mo.

($10,560/yr.) $30,000$30,000


SIX notes per year for 5 years creates…

Equity in 5 Years

THIRTY $30,000 notes worth $900,000

But you could buy far more than 30…


1 6 $1,320 $15,840 (3)

ANNUAL CASH FLOW

2 12 $2,640 $31,680 (6)

3 18 $3,960 $47,520 (9)

4 24 $5,280 $63,360 (12)

5 30 $6,600 $79,200 (15)

Year Notes $/Month $/Year

$1.35M paying $2,284/week!

$9,900 $118,800 45


5 Years – Likely Payoff

Over 5 years, each note pays $13,200

but only pays off $1,479

Leaving a $28,521 balance on each note!

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5 Years – Likely Payoff

45 notes paying $13,200 each over 5 years

create $594,000 in income while reducing

the principle by just $66,555

The balance owed would be $1,283,445

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DEAL (buyer & seller)

Real Estate Profit Formula

PROFIT

+ MONEY


Profit Formula

PROFIT

requires BOTH

DEALS & MONEYM

O

N

E

Y

D

E

A

L

One-sided deals

DON’T LAST!


Questions to

Ask Sellers


Seller Questions

Do you want a FAST sale…

or a SLOW sale?

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Seller Questions

Do you want a HIGH price…

or a LOW price?

LOW HIGH

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When your home sells…

Seller Questions

What will you do with the MONEY?


1) Deposit in the bank

Three Likely Uses of Proceeds

2) Invest in the stock market

3) Purchase another home


Banks pay 0.2% interest per year!

That’s $1.67 / month on $10,000 invested

Does ONE Starbucks every three months

sound like a good investment of $10,000?

Deposit in the Bank


Deposit in the Bank


6,000 Baby Boomers turn 65 every day

Invest in Stock Market

WORLD GOLD INDEX

What happens when they stop investing &

start withdrawing from the stock market?


Stock Market History

Home prices have NEVER

Dropped 10% in 3 DAYS!


Interest rates are around 4%

Mortgage interest is tax deductible

Wouldn’t it make sense to borrow more at

4% and earn 8% on your money instead?

Purchase Another Home

X


Question:

Do you need someone to guide

you though this process?

I can help!

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Stop by the NoteCarry Booth

Action #1


Sign up for TWO FREE webinars

Action #2

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Your

NETWORK

=

Is Your

NET WORTH!

Action #3

Surround Yourself with OTHERS!


Action #4

Structure DEALS!


Action #5

Trade or Partner on DEALS!


Action #6

Share and Learn on Facebook!


October 5-7, 2017Bob Zachmeier’s 9th Annual

Business Builder

Tucson TrainingFOR

Make-A-Wish Foundation

Action #7

Attend my Conference!


Bob ZachmeierFind them on Amazon.com

Action #8

Read my Books!


QUESTIONS?

For more information:

Stop by my booth!

E-mail [email protected]

Call (520) 404-3744

mailto:[email protected]

Crazy High Yields - Paper Source OnlineBob Zachmeier! Created Date: 5/7/2017 10:56:49 PM

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Transcript of Crazy High Yields - Paper Source OnlineBob Zachmeier! Created Date: 5/7/2017 10:56:49 PM