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Fortunes and Forclousers
47 ways To Profit From Property
No Cash Down

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47 ways To Profit From Property
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Expression of Intersest

Sean Summerville - The Property KingSean began investing in property around 20 years ago using traditional strategies which generally do not produce fast wealth, but over a 25 year period can produce great results. However most people cannot sustain a plan of this type as it usually does not produce sufficient cashflow to be affordable on a normal wage. It is uncommon for the average property investor to purchase more than two investment properties. He discovered that there are non traditional ways to buy and invest in property which most people are unaware of, but they are strategies used by the “big end” of town. These alternative ways of buying and controlling property can vastly speed up the wealth creation process.

Sean spent a large amount of time and money researching how to control property using options, and making the strategy work on small property investments instead of on large property deals (as they are normally used by larger property development companies). Over a period of several years, he fine tuned these strategies to become one of Australia’s leading experts in using lease options to control and purchase single family homes. Amongst a small closed group of investors who met regularly to discuss and share ideas on these alternative strategies, Sean became known as the “No Money Down King” as his reputation grew for controlling houses with just a $2 coin.

Soon word began to spread, and Sean began receiving calls from other investors who hunted him down to find out how he was able to buy houses this way. He was beginning to spend a lot of time helping teach others how to do the type of transactions which had made him a huge cashflow from houses without ever having to obtain bank loans for them.

Eventually there was so much demand on his knowledge and skills that he decided to hold a seminar workshop to teach everyone all at once rather than individually. This led Sean to hold regular events and has put his knowledge into a homestudy course so that more people can access this knowledge. Today Sean continues to extend his knowledge in Property Investing, his EDUCATION of ‘others’ is a deep passion of his. It is though his products Sean can share his experiences and knowledge to continue to benefit you and share with you,so you can become the most successful you possible.

Here is an extract from the homestudy course:

The truth behind the national obsession with property investing

So why has Australia and indeed most of the western world got a fixation about owning their own home?  Why is the great Australian dream a 4 bedroom home with a pool in the backyard and a dog in the front?

Putting the dream aside for a second let’s look at why people want to buy property in the first place and perhaps more importantly let’s take the romance out for a moment and look at the cold hard facts.

Top three reasons for buying property

  1. Better paying off a mortgage than paying rent“rent money = dead money”
  2. Provides retirement security with less risk
  3. Property investing as a vehicle to accumulate wealth

The concept of “Dead Money”

Most of us have heard the argument about the futility of paying rent.  You basically pay someone else’s mortgage for the privilege of staying in their property.  And certainly that is a valid argument, or at least it was 10 years ago when you could still buy a property for much the same as you could rent one.  Today in most places in Australia – especially the major centres this is simply no longer true.

Most people don’t have a snowball’s chance in hell of buying in an area that they wish to live in and being able to pay the mortgage on that property – yet they could continue to rent there without a great deal of difficulty.

For example I have a friend who was renting a two-bedroom apartment in Kirribilli for $270 a week in 2003.  Kirribilli is where the Prime Minister lives – it’s opposite the Sydney Opera House and it is one of Sydney’s most exclusive suburbs.  Granted she admits it was an older style apartment yet it still had harbour bridge views.

To buy a property like that would cost upwards of $800 000.  A mortgage on a property of that size even imagining she had the deposit, which she most certainly did not, would have been about $1500 a week.

People are being asked to either sacrifice their dreams of home owner-ship or sacrifice their lifestyle and move to the outer suburbs in order to afford a home.  Obviously the idea of spending “Dead Money” on rent no longer stacks up in most cities around Australia.

Less risk for retirement security

Property is often seen as a less risky investment than the stock market.

For a start there are more people wanting their own property so the market is bigger.  Also property is seen as tangible and therefore it’s less likely to lose half its value overnight.

There is a firm belief the bricks and mortar is a safer investment.  Tied into this belief is the idea that when it comes to property you have more control over your investment.  You can, after all, influence the value of your property by renovating the kitchen, painting the exterior or even just baking a loaf of bread come auction day!  Once you’ve bought your shares you can only sit back and hope the management know what they are doing!

All that considered, for most of us buying a home therefore, will be our most important and biggest single expense and reaching retirement without a mortgage – having dutifully paid off the loan over the preceding 30 years – is certainly going to have positive repercussions on our standard of living going into retirement.

I wonder though, have you ever stopped to work out how much you actually paid back to the bank, for the privilege of owning your own home?

If you buy your home for $500 000 and decide to take an average mortgage over 30 years and you pay an average of 7% interest only, during the life of that loan – which is pretty conservative considering the interest rates over the last 30 years.  You will pay a whopping $1,050,000 in interest for that house.  That’s not including renovations, repairs and any additional costs.  And because the loan amount was interest only, you would still owe the bank the original $500,000 of the loan!

If you had rented a similar property you would probably have paid a fraction of that cost over those 30 years and you could have invested that spare $1,000,000 in a managed fund of bonds.  The problem with that concept is people spend to their income.  So the extra money they should be investing they spend on toys such as cars, boats and holidays.

Property investing – a vehicle to get rich

Buying one home to live in and provide you with security in your old age is one thing, but if you want to become wealthy you may be tempted to invest in a number of properties.  This is where property advocates get really excited.  By using equity in their initial property they can leverage their ownership and expand their portfolio (and debt) to acquire investment properties.  This is especially true in a booming market when house prices can move rapidly in a few short years.

On paper this seems simple – buy positively geared cash flow properties and sit back and wait for other people to pay off the mortgage.  Then have that residual income ongoing, to keep you in a lifestyle to which you are happy and become accustomed.  What about buying 10 properties off the plan using deposit bonds so you use a fraction of your own money and then you sit back and wait for the properties to complete?  Only you sell five of them before completion and make your money on the increased value.  You use the profit to pay off the other five properties and you’re kicking back in Hawaii before you can say, “Wake up dear – it’s time to go to work”.

What happens when the properties are negatively geared – not positively geared – or the off-the-plan properties don’t sell and you have to complete on all ten?  I’ll tell you what happens ….  You have a nervous breakdown and retirement becomes recovery as the stress nearly finishes you off.

Besides, this approach and strategy doesn’t help those people who don’t have a spare $80,000 sitting around so they can get into the market in the first place.  You can’t leverage ‘nothing’!

What are the alternatives?  Is the stock market any more secure?

Those that advocate the stock market say that there are many advantages that the share market has over property.  They include:

  1. Speed
  2. Accessibility
  3. Protection and Income
  4. Leverage

1.  Speed

A professional stock market trader can look at the market at 11.22 am and click a button and own that stock by 11.25am.  Equally, the execution of the sale of stock can be just as fast – providing of course there is a buyer for your stock.

2.  Accessibility

As long as the stock market trader has access to live share prices via the internet and his or her analysis software, they can trade day or night anywhere in the world.  There is always a market open.  Should the trader require fast capital they have the flexibility to move quickly and liquidate their stock position.  The money is then in the bank within days.

3.  Protection and Income

Contrary to popular belief, a professional trader will tell you that they can limit their risk in many different ways and this is certainly the case as one of the tools they use is what this program is all about.  Those tools are also an excellent way to made additional income over and above capital growth.

4.  Leverage

Because most banks will not lend money in order to buy shares they will offer the skilful investor special leverage loans to invest on the capital they already have.

So I have just listed the positive and negatives and possibilities of property and stock investing.  What are the facts?

The fact is that in a booming market – be that property or stock market, almost any idiot can make money.  It hardly matters if you pay a little too much for the house or the stock because you are sure it is going higher.  And when it does it’s OK.  Traditionally property and the stock market are connected anyway, as soon as people get nervous in the stock market, people bail out and move their money into more traditional vehicles such as cash, bonds and property.

But the stock market is no less or more volatile or fickle than the property market.  At the end of the day they are collections of people making decisions about money – an emotive topic at the best of times.  The property market doesn’t move so quickly and therefore gives the impression of greater stability, yet both are much the same.  There is money to be made in either direction, but it requires your time and attention and neither offer a sure fire path to riches.

I think it is a matter of personality and choice.  Working with whatever medium is most suited to your interest, level of experience and also what commitment in time and effort you can dedicate to it.

I make no apologies for the fact that I prefer property.  And certainly this program is all about making money in property.  But unlike so many other books and investment programs on the market, my approach removes all the traditional disadvantages of property investing put forward against this medium as a way to create income and generate wealth.

So, if property is an excellent way to do that, which it is, let me ask you one question…..


  • Where does it say in the “Great Australian Dream” handbook, that in order to profit from property, you have to own it?
  • What if I could show you how to create an income, or build wealth, or both, from property you don’t even own?
  • What if I could show you how to do that for a fraction of the cost associated with actually buying your own home?
  • What if I could do that whilst limiting your risk to $2?

Well I can, because that is what I do, and have done for years now.

Welcome to the wonderful world of ‘Little or No Cash Down’ property deals.

Welcome to the concept of the Property Option. How to really make property investing work for you!

See my Property Investing Course Here