Dyches Boddiford – Creative Financing For Real Estate Investors

How to Fund All the Real Estate Deals You Want Without Traditional Bank Financing

More Deals, More Profits, Less Risk

When you’re not dependent on traditional bank financing for real estate investing, you can buy more deals that make more profit, with less risk.

Creative financing is the key!

Join this one-of-a-kind course to increase your ability to fund real estate deals. By the end of the course, we’ll help you build your own toolbox of creative financing techniques so that you can consistently and safely make as many investment deals as you want, without having to apply for a bank loan.

What You’ll Learn In Creative Financing For Real Estate Investors

Introduction

• Welcome Message & Do This First!
• Important Disclosure
• Why Not Just Use Bank Financing?
• The Benefits of Creative Financing

Module 1 – Private Loans

• Module 1 Presentation Slides
• What is Private Money?
• Benefits of Private Money
• Legal Considerations
• How to Structure – Short-Term, Fixed-Interest Loans
• How to Structure – Short-Term Variations – 100% Financing
• How to Structure – Short-Term Variations – Minimum Return
• How to Structure – Short-Term Variations – No Payments (Accrued Interest)
• How to Structure – Short-Term Variations – Kicker, Split Cap, Participating Loan
• How to Structure – Short-Term Variations – Combined 1st & 2nd Mortgages
• How to Structure – Long-Term, Fixed-Interest Loans
• How to Structure – Long-Term Variations – Call vs Balloon Note
• How to Structure – Long-Term Variations – Variable Interest Rate
• How to Structure – Long-Term Variations – Sell with Owner Financing
• Find Private Lenders – Key Tips
• Find Private Lenders – Different Types of Lenders
• Find Private Lenders – How to Avoid Problem Lenders
• Find Private Lenders – How to Build Credibility
• How to Present Loan Opportunities – Chad’s Process
• How to Present Loan Opportunities – Sample Loan Proposal
• Common Lender Objections (With Responses by Dyches & Chad)
• Module 1 Quiz

Module 2 – Self-Directed Retirement Account Loans

• Module 2 Presentation Slides
• What is a Self-Directed Retirement Account?
• Different Types of Accounts
• Who Are Disqualified Parties
• Prohibited Transaction Rules
• Penalty Examples
• Unrelated Business Income Tax (UBIT)
• Example 1 – Straight Loan
• Example 2 – Option to Purchase with Small Funds
• Example 3 – Rental Property Investment
• Real Estate in Your IRA or Solo 401k
• Example 4 – Partner with Your IRA
• Additional Tips for SDRA Investing
• Module 2 Quiz

Module 3 – Buying with Seller Financing

• Module 3 Presentation Slides
• What is Buying with Owner Financing
• Benefits of Buying with Owner Financing
• Example 1 – Traditional Seller Financing
• Example 2 – Second Mortgage Seller Financing
• How to Find Owner Financing
• Tips to Negotiate Owner Financing
• Asking for Discounts
• Module 3 Quiz

Module 4 – Selling with Seller Financing

• Module 4 Presentation Slides
• The Basics of Selling with Owner Financing
• Benefits of Selling with Owner Financing
• Dodd-Frank Act & Other Regulations to Be Aware Of
• Structuring Financing to Sell the Loan
• How to Screen Buyers for Owner Financing
• How to Service Owner Financing
• Dealing with Defaults
• Module 4 Quiz

Module 5 – Option to Purchase (aka Straight Option)

• Module 5 Presentation Slides
• What Is It?
• Benefits & When to Use
• Example 1
• Example 2
• Example 3
• How to Protect Your Option
• Other Tips
• Module 5 Quiz

Module 6 – Lease with Option to Purchase

• Module 6 Presentation Slides
• What Is It?
• Benefits & When To Use
• Example 1
• Example 2
• Example 3
• How to Structure & Protect Your Lease Option
• Other Tips

Module 7 – Subject-To the Mortgage

• Module 7 Presentation Slides
• What is Subject to the Mortgage?
• Benefits of Subject to the Mortgage
• Basics of How to Use It
• Example 1
• Insurance for the Subject To Deal
• Power of Attorney
• Module 7 Quiz

Module 8 – Contract-for-Deed | Bond-for-Title | Land Contract

• Module 8 Presentation Slides
• What is a Contract-for-Deed
• When to Use It (& When Not To)
• Example 1
• Cautions
• Insurance for Contract-for-Deed
• Module 8 Quiz

Module 9 – Wrap Around Mortgage

• Module 9 Presentation Slides
• What is a Wrap Around Mortgage?
• Case Study
• Calculating Return on the Wrap Equity
• Wrapping Previous Owner Financing
• Cautions on Wraps
• Split Wraps
• Module 9 Quiz

Module 10 – Key Terms, Clauses & Paperwork

• Module 10 Presentation Slides
• Review of Basic Paperwork Needed for Different Techniques
• Key Terms – Interest Rate
• Key Terms – Payments
• Key Terms – First Right of Refusal
• Key Terms – Non-Recourse Exculpatory Clause
• Key Terms – Due on Sale Clause Assignment Assumption
• Key Terms – Partial Release
• Key Terms – Wrap Mortgage
• Key Terms – Substitution of Security
• Key Terms – Exchange Clause
• Key Terms – Subordination Clause
• Key Terms – Insurance Proceeds
• Key Terms – Written Notice of Default
• Module 10 Quiz

Module 11 – Tax Treatment of Creative Financing Techniques

• Module 11 Presentation Slides
• The Basics of Income Taxes
• Depreciation & Recapture
• Section 121 Owner Occupant Exclusion (Live-in Flips)
• Imputed Interest
• Installment Sale & Dealer Property
• Contract-For-Deed (Land Contract)
• End of Year Reporting (1098s)
• Option Premiums & Lease Options
• Foreclosure & Cancellation of Debt
• Module 11 Quiz

Conclusion

• Final Message & Need Your Help

Course Book

• Digital Version of the Course Book
• Physical Version of the Course Book

Forms & Paperwork

• Forms – Private Money
• Forms – Buying with Owner Financing
• Forms – Selling with Owner Financing
• Forms – Options
• Forms – Lease Options
• Forms – Subject-To
• Forms – Contract-for-Deed (Land Contract)
• Forms – Wrap Around Mortgage

Archive of Office Hours Calls with Chad and Dyches

• 8/31/2021 Office Hours
• 9/8/2021 Office Hours

Sale Page: Dyches Boddiford – Creative Financing For Real Estate Investors

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