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Make $10K Monthly with a Residential Assisted Living (RAL) Home!

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Hello Realty411 Investors;

Are you looking for new opportunities to grow your wealth through real estate? If so, be sure to watch our exclusive webinar replay tailored for savvy investors like you.

What You’ll Learn:

  • Learn Why Residential Assisted Living is the Fastest Investing Sector
  • Discover How Your Can Get Involved and Get Ready for the Silver Tsunami
  • Insights into the thriving market of Residential Assisted Living
  • A Live Webinar with the Leader of this Space: Isabelle Guarino!

LEARN MORE ABOUT OUR EDUCATOR: ISABELLE GUARINO

Isabelle Guarino trains and teaches entrepreneurs and investors at the Residential Assisted Living Academy. She has extensive experience in building brands, launching this company and many more into national recognition while running the day-to-day operations.

She is responsible for the creation and success of the Assisted Living Conference, the Assisted Living Network Podcast, RAL National Association, Recovery Housing Academy, Pitch Masters Academy, and most of the Impact Housing Group’s companies. With a background in Business Marketing and Communications, from interning at Walt Disney World, to working at two Fortune 500 companies, she is a true leader in business development and operations.

Isabelle has spoken across the country to 100,000’s of investors and entrepreneurs, she is a 2x Best-Selling author and has been featured in major magazines & articles nationally. She was named both “Future Leader” in the Senior Housing industry and “Top Senior Housing Influencer”.

She is THE most sought-after coach and trainer in our country for all things “RAL”! Isabelle’s goal is to carry on her father’s legacy by training investors & entrepreneurs how to… “Do Good & Do Well”.Whether you’re a seasoned investor or new to real estate, this webinar will equip you with actionable strategies to diversify your portfolio and achieve consistent returns.Seats are limited, so secure your spot now!

Take the first step towards becoming a private lender and making your money work smarter for you. Be sure to watch this webinar replay.

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LEARN MORE ABOUT THE ACADEMY

Residential Assisted Living AcademyTM is America’s premier training organization in this unique and specialized niche’ of opportunity. Launched in 2012 by entrepreneur / real estate investor Gene Guarino, Residential Assisted Living Academy TM has trained hundreds of investors, business owners and entrepreneurs in this new and exciting field of opportunity.

With 77 million Baby Boomers preparing to retire over the next several decades, residential assisted living is a comfortable “home-style” alternative to institutional living such as a nursing home. This “silver tsunami” mega-trend makes for a huge financial opportunity for those prepared to position themselves for success.

In 2021, when Gene Guarino passed away his daughter and heir Isabelle Guarino stepped up to take the company to the next level. She is carrying on Gene’s legacy and leaving a mark on this senior housing industry by helping students open one RAL at a time.

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ABOUT OUR REALTY411 VIP NETWORK:

Investors, be sure to join us online for this Realty411 VIP Network Event and gain access to wonderful REI education, off-market property strategies, plus savings with major retail brands across the nation.

In addition, you’ll be invited to our private social media platforms to connect with other Realty411 members and readers. Members will also receive a print magazine mailed to them as well.

Join us for our VIRTUAL VIP Network Member’s Meeting to become a member of our national investing network. Each VIRTUAL meeting with feature a special speaker, plus members will have the opportunity to chat, ask questions anonymously or even join us on video to ask questions directly.

Our goal is to make a fantastic online and offline environment where learning and growing are key. We hope to assist as many estate investors as possible on their journey towards success.

For this special online session, we will focus on owning and operating your own Residential Assisted Living home and why every investor should consider this business option.

Website: https://Realty411.com

Financing Overleveraged Homeowners Who Continuously Refinance and Living Off The Proceeds

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They Perceived That Their Strategy of Continuous Refinancing Was a Smart Decision Until It Wasn’t

By Dan J. Harkey

Summary

The last mortgage broker who attempted a refinance for this savvy couple discovered that there was insufficient equity. The mortgage broker rediscovered the doctrine of impossible performance.

Meet a smirky couple, let’s call them John and Jane, who, with their savvy financial strategy, could be considered the kings and queens of leveraging.

Their journey began a decade ago when they purchased their home. As its value soared, they smartly refinanced and withdrew cash to cover their living expenses. This strategy initially seemed to be a stroke of financial genius, sparking the interest of many with its initial success and leaving the audience intrigued and eager to learn more.

They bought their home a decade ago, and as its value increased, they repeatedly refinanced. Refinancing, in simple terms, means they replaced their existing mortgage with a new one, often with better terms, and pulled out cash to cover their living expenses. This move should have raised some red flags and left many feeling uneasy.

The strategy involved choosing an adjustable-rate loan with an initial fixed-rate teaser low payment and refinancing at the end of the teaser period.

When the adjustment from fixed to ARM with an index caused their payments to go up the last time around, they found themselves in a situation they could not afford. This is a predicament that many of us can relate to and empathize with, fostering a sense of sympathy and understanding in the audience.

This couple’s story is a stark warning about the potential risks of repeated refinancing and the crucial role of building equity in property. It’s a lesson in financial responsibility that every homeowner should heed.

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Article:

Home prices in many areas have more than doubled since 2010, rising by 50% in the last ten years. There are occasional blips where values are flat or go down.
https://www.lewrockwell.com/2024/09/david-stockman/mother-of-all-housing-bubbles/

Consider this scenario: This homeowner defaults because their property lacks equity to refinance for the umpteenth time. Equity, in simple terms, is the value of your home that you truly own, which is the difference between the market value of your property and the amount you owe on your mortgage. This situation is a powerful reminder of the potential financial pitfalls of not building equity in your property. It’s a crucial lesson that every homeowner should be enlightened about.

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While the couple may have pointed fingers at the last mortgage broker, their situation underscores the importance of personal responsibility in meticulous financial planning and decision-making. It also sheds light on the risks for a mortgage broker participating in the refinance of such an irresponsible borrower. The mortgage broker, who is supposed to guide and advise the borrower, also bears responsibility in such situations. By emphasizing personal financial commitment, we can prevent such situations and take control of our economic well-being, empowering the audience to take charge of their financial future.

Overleveraging, which is borrowing too much money, can lead to financial instability and potential default. The couple in our story faced this risk; every homeowner should know it.

Dan Harkey
Educator & Private Money Real Estate Lending Consultant
[email protected] 949 533 8315
www.danharkey.com

Your Non-Stop Loan Solution

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Please review this important post. Thank you.

CONTACT US FOR MORE INFORMATION

ERIC TRAN, CEO

Direct: 213.784.2497[email protected]

BRE# 01217502

NMLS# 1394862

Since 2007, Realty411.com has assisted top companies expand their visibility and grow their business.
Contact us for a complimentary marketing session. Investors, do you have questions about real estate investing?Book a meeting with a Realty411 team member: CLICK HERE.

Licensed in California

DRE #01355569
The REAL Brokerage
DRE #02022092

The Crucial Role of Zoning Reports in Lending

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By Alan Hall

Picture this: You’ve found the perfect property for your next real estate venture. The location is prime, the potential is limitless, and you can already envision the return on your investment. But before you sign on the dotted line, there’s one critical step that could make or break your deal: the zoning report. Lenders demand these reports for a reason – they’re not just paperwork, they are your gateway to minimizing risk and ensuring the success of your investment. Here are the top 6 reasons why zoning reports are the unsung heroes of commercial real estate (CRE) lending.

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Lenders require zoning reports for several compelling reasons, each rooted in the goal of minimizing risk and ensuring the viability of their investments:

1. Legal Compliance is Critical

Zoning regulations dictate how properties can be used and developed within a specific geographic area. Lenders need assurance that the property conforms to these regulations to ensure legal compliance. Non-compliance with zoning laws can lead to costly legal battles, fines, or even forced closure of the property, jeopardizing the lender’s collateral.

2. Risk Mitigation

Zoning reports help lenders assess the level of risk associated with financing a particular property. By understanding the property’s zoning designation, permitted uses, and any restrictions, lenders can gauge the likelihood of potential obstacles or liabilities that may impact the property’s value or income-generating potential.

3. Protecting Collateral

For lenders, the property itself serves as collateral for the loan. Ensuring that the property complies with zoning regulations helps protect the value of the collateral. If zoning violations are discovered post-financing, it could diminish the property’s value or render it unusable for its intended purpose, thereby increasing the lender’s risk of financial loss.

4. Future Marketability

Lenders consider the future marketability of the property in the event of foreclosure or default. Properties with zoning issues may be less attractive to potential buyers or investors, making it harder for the lender to recoup their investment in the event of default. A thorough zoning report provides insight into any potential impediments to future sale or lease of the property.

5. Project Viability

In cases where the borrower intends to undertake development or renovation projects, lenders need assurance that the proposed plans align with zoning regulations. Zoning reports help lenders evaluate the feasibility and viability of the proposed project within the context of existing zoning laws. This assessment is critical for assessing the potential risks and rewards associated with financing the project.

6. Compliance with Loan Conditions

Lenders may impose specific conditions related to zoning compliance as part of the loan agreement. Obtaining a zoning report helps ensure that the borrower meets these conditions, thereby safeguarding the lender’s interests and maintaining the integrity of the loan agreement.

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7. Rebuildability

Improvements built on the land often preceded the latest and greatest changes to the zoning codes. These buildings and structures are often grandfathered in and are allowed to operate legally even if they could not be built again in the same way today. Lenders consider this along with the “rebuildability clauses” defined by the jurisdictions as they state that if a building has had so much damage, it needs to be torn down and built up to code instead. This can drastically change the value of the collateral, especially if a smaller structure with less rentable space needs to be built instead.

Overall, zoning reports provide lenders with essential information to make informed lending decisions, mitigate risks, and protect their investments. By requiring zoning reports as part of the due diligence process, lenders demonstrate their commitment to prudent risk management and responsible lending practices in the commercial real estate market.

PZR is accepted by every major Lender and Title Company in the U.S. including Fannie Mae and Freddie Mac. PZR is the nation’s most trusted zoning due diligence company delivering unmatched speed, accuracy, and efficiency, since 1993.

Alan Hall, Senior Account Executive at LightBox PZR

Alan Brings over 20 years of commercial due diligence experience and a wealth of experience in sales leadership roles in the commercial real estate industry. Alan led sales and marketing efforts for Old Republic Commercial Due Diligence Services, a nationwide provider of all third-party Due Diligence Services. Prior to that he managed the central U.S. as a Qualified Intermediary for OREXCO 1031, Old Republic National Title’s IRC § 1031 Exchange company.

LightBox PZR pioneered the standardized zoning report in 1994 and has remained the nation’s premier provider of zoning information for over three decades. Today, LightBox PZR delivers comprehensive zoning intelligence alongside robust data and geospatial solutions, empowering real estate professionals to make informed, strategic decisions with confidence.

Do not advise others unless they ask for it; A young loan officer recently asked me for advice on becoming successful. So, here is my advice to him.

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Unsolicited advice to others is a waste of resources, which irritates those who didn’t ask for it. But when people ask for your advice, be charitable.

By Dan J. Harkey

Summary

The habit of giving unsolicited advice is tough to break, and generally, those who spew out advice constantly are the ones “voted least likely to succeed in high school.”

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Article:

The world around us: successful tactics

We must cultivate three key traits within ourselves: optimism, positive attitudes, and skepticism. These traits will guide our decision-making and help us navigate the complexities of our professional and personal lives.

Question each circumstance with a skeptical eye.

Truths, taking control, optimism, positive attitudes, skepticism, and personal empowerment go hand in hand.

Reserve opinions or explanations and isolate the discussions until the likelihood of truth or falsity becomes apparent.

Your real-life experience becomes paramount, good and bad.

Trust your instincts.

Trust nothing from mainstream media, news, or social media without independent verification. Stay informed and vigilant, as this is the key to navigating the complex web of information that surrounds us.

Reject propaganda and spin in mainstream media and social media.

Those 10,000 likes, impressions, and online friends are not friends, but just noise and an illusion of success.

When you read the news or watch television, they trap you into an addiction to watching them; their objectives are profits through advertising. 90% + of the content is noise, and 10% is, or maybe more, substantial. Substantial means of importance to ourselves, our economic system, and our societal system.

Their objectives are not about representing your best interests. It is about profits, maintaining power and authority over others, and the status quo.

Mainstream propaganda and spin are crumbling as people recognize the deceptions and subliminal suggestions.

Read and subscribe to alt-media sources for truths.

Question the validity and purpose of every action taken by Big Tech, Big Pharma, Big Agriculture, Big Banks, Wall Street, Big Media, the military-industrial complex, and the various Big Government Monopolies.

Trust nothing from government-manufactured statistics, biased polling data, ideologically polarized scholars, and spin-doctor research intentionally keep the public ill-informed about actual conditions.

The spin doctors work 24/7 to keep the public isolated from truth and reality.

The us: our internal selves.

We must possess five traits: Positive attitude, dreaming and practicing success traits, listing action items completed by action habits, tenacity, and skepticism.

Be willing to take calculated risks repeatedly.

Be willing to move outside your comfort zone repeatedly.

Be willing to reinvent yourself repeatedly, each time at a higher level. Embrace change and take calculated risks, as they are the stepping stones to your personal and professional growth.

Be willing to adopt new strategies, action items, and action habits and discard old ones that no longer work.

Be willing to become your best critic and listen to the market to tell you if your strategies are working.

If you are not making money, or enough money, then your strategies need retooling.

Become and remain more productive and work harder than those around you.

Have the attitude of being ever-present and the last man (person) standing if necessary.

Those with tenacity will be successful.

Technology will drive much future success, wealth accumulation, and innovation.

By adapting and getting on board, you position yourself to be at the forefront of these changes, rather than being left behind.

Do everything bigger, better, and faster, and face the headwinds head-on.

Become a Self-Starter and reject mediocracy and dependency.

Self-starters are people who have a positive attitude, a plan with action items, execution of the plan, a series of tasks, accomplishments, and many interruptions.

It’s about self-motivation to learn competencies and skill sets and achieve small successes over time, not inherited or innate abilities.

The process involves developing an attitude, motivation, enthusiasm, self-confidence, talent, tenacity, and flexibility through repeated experiences and, in many cases, redundant actions to accomplish your goals.

Listening rather than talking is a tremendously powerful concept that should be recognized for its importance. People like to talk about themselves; let them. As they are talking, you show compassion, receive valuable information, and remain in control of the conversation.

Focus on yourself, your family, and your career. The remainder of the world will take care of itself.

Be charitable, willingly share your knowledge with others, when possible, but not foolishly.

Keep your close relationships near and dear to your heart.

All sustainable relationships are based on mutual and reciprocal benefits. When one party is the continuous giver and the other party is the continuous taker, something is wrong. Exploitation comes to mind.

Eliminate false relationships in your life that bring nothing to the table, of give and take.

False relationships serve to clutter our lives, drag us down to their level, and act as a counter force to personal success.

Isolate negativity and negative people around you.

Keep positive people in your life and eliminate those who do not subscribe to your attitude and enthusiasm.

Regardless of the news about strife, antagonism, and insanity surrounding us, we all should rise in the morning to be productive.

Think carefully about your family’s inalienable rights, personal sovereignty, and your position in the economic system called the U. S. A.

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Stand tall in your thoughts, intuition, and integrity.

Remain confident and, above all, remain a non-conformist.

Reject ‘groupthink,’ which is the practice of making decisions as a group in a way that discourages creativity or individual responsibility. Instead, foster an environment where diverse perspectives are valued and independent thinking is encouraged.

Remain active, accept responsibility, lead with courage, and be patient.

Operate with expectations from others. This isn’t easy.

Do not expect immediate gratification. The more successful you become, expect jealousy from those who refuse to pay the price.

Accumulating experiences and successes sets you apart, earning distinction in the top 10% of your field.

Relying on your intuition and the 80/20 rule. You earn 80% of your income from the most productive 20% of your activities.

Attempt to eliminate clutter and noise in 80% of activities, which will get 20% of the results.

Dramatically expand your marketing outreach program. This seems to be a dominant flaw in most businesspeople who have been successful despite themselves.

Modify your marketing plans to adapt to current conditions, which are technology-based.

Eliminate operational redundancies, such as duplicative tasks or inefficient processes, and ineffective marketing strategies. This will streamline your operations and free up resources for more productive activities.

Dramatically expand your network of possibilities.

We cannot afford to stagnate by doing nothing or hanging out with others who do nothing.

Accelerate outbound communications through text, email, and podcasts.

Reach out to the public and be positive and a role model.

Never advise others unless they ask, or there are economic benefits for you.

The remainder of societal problems will take care of themselves.

Advance your personal knowledge base and careers, protect our families, show dignity and respect to others, and essentially wear blinders as we fight through the forest full of deception.

We must continue our personal growth, intellectual development, keenness of memory, and awareness of societal obstacles.

By refusing to give up or allowing others to infringe on our person, we invest in ourselves and reap the many rewards of personal growth and resilience.

Staying physically active is crucial for maintaining a healthy balance in life. Equally important is spending well-earned time in your “mental hobby shop”. This is essential for escaping the pressure and recharging your focus.

Spending well-earned time in your mental hobby shop is essential. It will help you escape the pressure and recharge your focus.

Learning to live in uncertainty without becoming a victim of anxiety and fear is a crucial skill. Fear and anxiety are wasted emotions. They do not produce any actions, solutions, or results.

Fear and anxiety are wasted emotions. They produce any actions, solutions, or results.

Eliminate consumer debt. Business-related debt designed to leverage your enterprise to achieve higher profits is still acceptable.

Hard cash is king. Keep some handy.

America cannot compete with cheap labor; robotics and technological advances will sharpen our competitiveness.

Discuss possible offensive and defensive measures with friends, business associates, and neighbors, and ask them to do the same.

We must work to change our leadership so that they represent the people rather than themselves. That is a tall order.

Thank you for your valuable time. Please share with others.

Dan Harkey
Educator & Private Money Real Estate Lending Consultant
[email protected] 949 533 8315
www.danharkey.com

Three Events, Three Regions — Realty411 Continues to Expand Throughout California

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Realty411 Expands their Conferences to Connect with As Many Readers and Real Estate Investors as Possible

Realty411, a real estate media company producing magazines, conferences and webinars to provide investors with knowledge, will host events in three regions of the state: Northern, Central, and Southern California.

In an effort to connect with as many readers in person as possible, Realty411 is hosting three complimentary events in three regions of the Golden State. The dates and cities are:

Oct. 25th – Santa Clara, CA
Nov. 15th – Santa Barbara, CA
Dec. 6th – Pasadena, CA

Beginning in Santa Clara, the heart of Silicon Valley, Realty411 will unite local guests, readers and visiting educators and subscribers to learn about the local, statewide and national real estate markets and trends.

Realty411’s “Invest with Confidence” Summit will take place on Saturday, October 25th at the Embassy Suites by Hilton Santa Clara located at 2885 Lakeside Dr, Santa Clara, CA 95054.

Starting at 9 AM, the event will focus on market trends, industry news, insight from real estate investors, real-life real estate stories, motivational speaking, networking sessions, real estate exhibitors, plus many resources.

If you have an interest in real estate and want to learn more about investing, be sure to reserve tickets today. This free event is open to the public and is of special interest to brokers/agents, private lenders and other realty professionals. As a bonus, this venue also offers plenty of complimentary parking.

This important Summit, in the center of the technology industry, is a must for all new and established real estate investors and is attended by guests throughout the Bay Area and San Jose. Be sure to plan to attend Realty411’s Investor’s Conference in the birthplace of numerous tech giants like Apple, Google, and Facebook! Silicon Valley is also well known for venture capital and research universities, don’t miss this exciting event in a great area.

Next, Reaty411 will host their “Invest with Confidence” Summit in Santa Barbara, California on November 15th at the Hilton Santa Barbara Beachfront Resort. Known as the American Riviera, Santa Barbara offers a fantastic weekend escape and past events in Santa Barbara have been attended by investors and companies from throughout the country. Free parking is available around the perimeter of the venue, plus hotel self-parking is complimentary for Realty411 guests.

Hosted by Dan Ringwald, a local multiple business owner and director of the Santa Barbara Real Estate Investors Association, Realty411’s Santa Barbara Summit offers complimentary ocean-front learning and the perfect opportunity to visit one of the most beautiful areas of California.

To celebrate the end of the year and the publishing of their last issue for 2025, Realty411 is hosting a “Holiday Gathering & Investing Summit” and networking mixer on Saturday, December 6th. Be sure to attend this one-day event featuring timely insight, top educators, and exhibiting companies.

Realty411’s “Holiday Gathering & Investing Summit” is being held at the Hyatt Place Pasadena, located in Old Town Pasadena. The venue’s address is 399 E Green St, Pasadena, CA 91101.

Realty411’s Holiday Summit will take over the entire venue with multiple rooms inside and outside available to maximize networking. For those wishing to elevate their experience, Realty411’s Summit will also feature VIP tickets with reserved seating and delicious food plus beverage options. Parking for this one-day event is only $18 for the entire day. Be sure to reserve tickets to this holiday educational event featuring raffles, giveaways, and joyous cheer.

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For more information about Realty411 events, visit Realty411.com
As an alternative, visit Realty411’s Eventbrite page at:
https://www.eventbrite.com/o/realty411com-1322876767
To inquire about speaking or exhibiting at these events, please call 805.693.1497.