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About
Donna Bauer
Donna Bauer, nationally known as the
original NoteBuyer™, has personally mentored hundreds of individuals to
achieve their own financial and personal independence through mortgage
investing.
Donna is considered by many to be the foremost authority on note buying.
As the mother of 4 boys, she was the typical soccer mom. In search of a
vehicle that would offer her financial security without sacrificing
cherished time with her children, Donna realized that discounted notes and
mortgages was the answer. Utilizing over 10 years of experience in real
estate investing and working right off her dining room table, Donna
founded The NoteBuyer, Inc., which is now one of the most successful
private investment firms in the country that specializes in the purchase
of notes and mortgages.
Donna's The NoteBuyer's™ Master Guide home-study course was born by
popular demand as clients sought her assistance and expertise for their
own investing. The NoteBuyer's™ Master Guide is the most comprehensive
course available today on buying and selling discounted mortgages. Her
students laud her for her step-by-step, easy to understand instruction, as
well as for her thoroughness and attention to detail. From novices to
seasoned investors, individuals from all over the country consider The
NoteBuyer's™ Master Guide to be their "Bible" for real estate investing.
She is an active member of the Cincinnati Real Estate Investors
Association, as well as a former board member of both the Cincinnati Real
Estate Investors Association and the Ohio Real Estate Investors
Association. She has appeared on numerous times on both television and
radio, sharing over 25 years of expertise in the fields of real estate
investing and property management.
What
can you do using Donna's proven strategies?
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Put
$10,000 in your pocket in the next 30 days. |
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Use
your IRA to build incredible wealth tax free starting with as
little as $1,000.
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Enjoy
all the security and high returns of real estate investing without the
headaches of landlording.
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Immediately
start acquiring properties for 40 to 70 cents on the dollar.
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All without using your own money or
credit!
UNDERSTANDING NOTEBUYING
While most people know
that real estate can be a great investment, very few understand the
awesome advantages of Note Buying. The note itself is a valuable asset
that can produce tremendous profits without the hassles of owning
property.
When you buy the note,
you become the bank, which means you make all the rules. You also have
the opportunity to help homeowners through times of financial
difficulty. Like us, you will discover that Note Buying offers rewards
of all kinds.
What is Note
Buying?
When someone borrows
money to buy a house, he signs a written promise to repay the money over
time. This document is called the note.
The note can be bought
and sold just like any other asset. When you buy the note from the
lender, you buy the right to be repaid. The money is now owed to you.
Why do lenders
sell notes?
There are two main
scenarios. First, a seller may offer to lend money to a buyer. This is
called a seller carry-back mortgage and is quite common. The buyer
borrows money from the seller and makes payments to him instead of a
traditional bank. At some point in the loan, the seller may need
immediate cash to start a business, send kids to college, etc. That's
where you come in. You buy the note so he can get the cash he needs now.
The second scenario
involves delinquent mortgages held by traditional banks. If the homeowner
is seriously behind on payments, the bank may decide to sell the
note and avoid the expense of foreclosing. You make an offer to the bank
and buy the note.
Do I need my
own money to buy notes?
Absolutely not! You
don't have to borrow money either. Donna Bauer will show you exactly how
to buy note after note without touching any of your own money.
How do I make
money doing this?
The key is to buy
discounted notes, or notes that sell for far less than the amount
owed. Your profit lies in the difference between what you paid for the
note and its actual value. The NoteBuyer learning systems explain how to
buy notes for 40 to 70 cents on the dollar.
So I buy the
note, then what?
One of the many
advantages of Note Buying is the variety of exit strategies. You
can sell the property, add it to your portfolio, collect payments on the
note, and so on.
The NoteBuyer's Master Guide
The NoteBuyer's
Master Guide is the definitive learning system on buying
discounted notes. Written and produced by Donna Bauer, this system
provides all the tools you'll ever need to start pulling in huge profits
without using any of your own money or credit.
Donna's thoughtful,
step-by-step instruction will empower you to build wealth at an
incredible rate, even if you're brand new to the world of real estate
investing. You'll be structuring deals like a pro in no time!
System Features
The NoteBuyer's Master Guide Manual (500
pages)
Set of 6 Instructional Audio CDs
Forms Library CD
Introduction to Note Buying DVD (1 hour)
Immediate Access to The NoteBuyer's Network of Investors
Note Buying . . . The Ultimate Short Sale
How To Cash In
On The Booming Pre-Foreclosure Market!
Note
Buying...The Ultimate Short Sale is your guide to wealth with
delinquent mortgages, or "bad paper." Banks are discounting delinquent
mortgages like never before, creating a golden opportunity for investors
like you.
You'll learn all-new
strategies to master the Pre-Foreclosure Market and achieve explosive
gains. Donna is at her best in this power-packed system!
System Features
Note Buying...The Ultimate Short Sale
Manual (140 pages)
Set of 4 Instructional Audio CDs
Forms Library CD
Interview with Loss Mitigator Audio CD (1 Hour)
Immediate Access to The NoteBuyer's Network of Investors
A Sample Deal With "Sam
Seller" & "Bill Buyer"
We're going to be dealing primarily
with seller carry-back mortgages:
Sam owns a free & clear House with a Fair
Market Value of $120,000
Sam Sells House To Bill for $120,000
Bill Makes A Down Payment of $20,000 and Sam
Takes Back a Mortgage of $100,000
Terms of Mortgage:
Original Principle Amount of $100,000
10% Interest Per Annum, Compounded Monthly
Fully Amortized Over 10 Years
Monthly Payments of $1,321.51
Two years pass by. Bill has made his payments
like clockwork to Sam, and the mortgage is now paid down to $87,089. Sam
decides he needs $70,000 to start a new business and doesn't want to wait
another 8 years to collect his $87,089. You offer to buy the remaining 8
years of payments from Sam for $70,000 so Bill will simply mail his
payments to you instead of to Sam.
Your Purchase
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Bill has made payments to Sam for 2 years.
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96 Payments of $1,321.51 remain on the
note.
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Current balance now owed to Sam is $87,089
(10% yield).
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You buy the remainder of the note for
$70,000 (16.59% yield)
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Your profit will be $17,089
Originally Bill Buyer owed Sam $100,000, but
after 2 years of payments, Bill has paid the loan down to
$87,089. You just bought out Sam's position for $70,000. What a deal! You
might call this buy at wholesale, or you might call it buying at a
discount. Either way, it means that you just purchased a mortgage worth
$87,089 for only $70,000. You built in $17,000 of profit RIGHT UP FRONT!
If Bill decides to pay off his loan the very next day, he has to pay you
$87,000, and you realize a $17,000 profit in one day!
Is this a good return on your money? You better believe it is! If you buy
this mortgage from Sam for $70,000, you are making a return of 16.59% on
your money - six times more than you'd make if you had your money in a
savings account or invested in a CD!
Now, how is it that you can be making 16.59% on your money when Bill is
only paying 10% interest? Does Bill's interest rate go up? Not at all.
Bill's position doesn't change, except that he now sends his payments to
you instead of Sam. So how can you be making 16.59%?
It is simply because you have less of your money invested than Sam had
invested. You see, at the time that you bought the mortgage from Sam, Sam
had $87,000 of his money outstanding. At 10% interest, Bill was paying
$1,321.51 per month. Now if you come along, and instead of having $87,000
of your money outstanding, you only have $70,000 out, but you still are
getting $1,321.51 per month, then you must be getting a higher return on
her $70,000 than Sam got on his $87,000. The two are inversely
proportional: the more that you pay for a mortgage, the lower your return
is; the less that you pay for a mortgage, the higher your return is.
Are you wondering why in the world Sam would ever sell an $87,000 mortgage
for 70,000? Very simply, he needs cash. When people need cash, they will
do whatever is necessary to get it. But let's take a look at the whole
picture. Was this really such a bad deal for Sam?
Sam's
Take
Sam Received:
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A down payment from Bill in the amount of
$20,000
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24 monthly payments equaling $31,716.24
($1,321.51 x 24)
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Lump sum of cash from Donna in the amount
of $70,000
Total received by Sam was $121,716.24 vs.
$120,000 sales price!
Sam was asking $120,000 for the house. Over
the two year period, he received $121,716.24. If you were Sam, would you
be at all unhappy? I don't think so. Granted he had to wait 2 years for
his money, but he did get his $120,000. More importantly, he got CASH from
you when he needed it.
Do you see that this truly is a win-win situation for everyone involved?
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