- Class President

- nominated several times Officer of Year

- FTO - Field Training Officer

- Bomb Squad

- State Certified Police Instructor

- on my old paper route used to pay for
           my PhD Private High School Diploma

- had less than $1,000 cash in Police Officer Credit Union

- wife in nursing school

- we had and still do have two beautiful daughters

- hocked pert near everything we owned to pay cash including             1977 Monte Carlo and 1986 Ford Ranger

- this was fixer upper and I maxed out credit cards to do repairs

- bought for $17k, $3k for materials and did repairs myself.

- rented it for $350 month, then did 80% ARV cash-out re-fi

- appraised $30k, borrowed $24k and walked out with $6k cash

- While fixing up 1st house, watched folks move out

- watched crew repairing it to Move In Ready

- For Sale by Owner placed in front yard

- Bought for $26k with Seller Financing - $4k down, 11%

- Rent Ready, no repairs needed except changed the door locks

- Rented for $350, did another 80% ARV cash-out re-fi

- appraised $30k, borrowed $24k and walked out with $6k cash

- Ball Park Summary

• bought two 2 bedroom rental houses
• $700 total rent income
• Loan payment $196 each
• and had $8,000 in our savings account
• Bought BOTH of these with NO Money Out of My Pocket
• My fuse was lit big time; but, my wife put invisible fence shock collar on me and said no more. Wait one year first.

I still own both today and they are renting for $700 each

Today's value ARV $75k

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