Here’s a plan for making your investments grow.

I know you’ve seen people who seem to always be making good investments. You know the ones that just seem to fall into it. It seems that every investment they make – turns out profitable.

I’m going to tell you that most of they time they don’t do it alone. It usually requires a partnership of sorts. For years we made money when we bought a home for our family, even through we were just looking for shelter. To get the home we had to partner up with a lender to finance the home. Do you see the partnership, you and the lender? You bought a home and it went up in value. As long as you didn’t put additional loans on the home and sold it years later you typically sold it for a profit. You made a profit and your lender partner made money too.  A good partnership, wouldn’t you agree? The lender could do this because of their special skills in managing money at their bank or credit union.

Oh but the times have changed, or have they? I like many others in the same business as me are still buying homes a little differently. I buy homes about to go into foreclosure and homes the bank took back. Some I resell quickly to rehabbers, some to work for equity owners, some to landlords. So whom do I partner with?

Let me express my commiseration for those quarterly statements from your retirement planning account? In years past I invested my 401K and SEP retirement funds (http://www.irs.gov/retirement/ ) by buying mutual funds through Merrill Lynch, Vanguard, TD Waterhouse, and once I even had a financial planner whom I met at one of those free lunch introductions. Lately many have switched to CD’s (certificate of deposit) or a cash account to cut our losses but the rates are so low I wonder if it matters. I even tried to buy stocks for a year but it took so much time out of my day it wasn’t worth what little I made and the risk was too great. I needed an investment like a CD but with a higher return. I needed one that I could invest in and not have to watch it constantly.

I found a better alternative in my own business.  I partner with people just like you and share information as to how you can become a private lender by moving your IRA to a self directed IRA. Government laws allow you to now invest your 401K or other retirement funds without penalty and returns are tax deferred or possibly tax free through your Roth IRA through specialty companies like Equity Trust Company http://www.trustetc.com/. I buy property (real estate) at up to 70% of today’s market value and partner with private lenders through their retirement accounts to fund the properties. We use attorneys and other professionals to keep things proper and to secure your investment money with a first mortgage, title insurance and fire insurance to keep things safe for both of us.  Because we buy the properties so low we can share the profits by paying a higher rate of return on your investment and that allows your retirement funds to grow at a much faster rate. It’s a great working relationship for maximum profits.

You shouldn’t go above 60% to 70% of today’s real estate value to minimize risk.  The lower the better. Real estate values are ever changing but the banks have used 80% for years as a “SAFE” mark. Their trouble began when they loaned more or offered to be in second position. The Banks took greater risk, you shouldn’t. This is the area where your risk can be hidden from you most often because of needed repairs.  Remove the doubt by asking for a current (not more than 60 days old) appraisal. Use experienced people in determining the value of the real estate being secured.

You can also Google search “self directed IRA” for additional information and you should seek legal and competent help before you invest.

A great way to profit with real estate deals without much risk, no repairs to make, no open houses or Realtors fees to pay, no late night calls from tenants and most investments are short term. So if you’re ready for your good financial investment maybe its time for you to become the bank.

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