REI Newsletter for the Successful Entrepreneur	January 2006 - Volume 19
In this issue: • Latest News • Feature Article • Special Offers • Investing Tips • Success Story • Investor Resources • Contact Information	FEATURE ARTICLE Privately Held Mortgage Notes - Sell or Hold?   Is holding a mortgage note a prudent decision?  Yes, they do provide a steady income stream at a guaranteed interest rate, only if your payer maintains payments.  They do create a management headache.  However, do they provide you the best rate of return, and access to available cash?  No, they do not.  What are you options?  Consider selling your note for cash and higher earning power for your investments.  To see what your note is worth fill out our ‘Request A Note’ form for a free no obligation quote.    Just how powerful of an investment is your note?  We have created an investment scenario comparing the returns of holding a note compared to selling it and investing the proceeds in a conservative investment product.  If this comparison does not convince you of the ‘Time Value of Money’ we also have ten reasons why selling your note is a wise investment decision. 4R Management offers several selling options to note holders.  Options range from partial to full note purchases.  Notes may be non-seasoned (1 to 12 months old), seasoned (more than 12 months), or newly created (Simultaneous Close).  Additionally, we will purchase individual notes, or note portfolios. Still not sure, or want to learn more about the power of selling your notes then... read more
LATEST NEWS   On July 21, 2005, Gov. Rod R. Blagojevich signed Illinois House Bill 4050 into law, greatly expanding government regulation of mortgage loans originated in Cook County, Ill. The new law, which amends the Residential Real Property Disclosure Act, creates a government pilot program under which every mortgage loan application completed in the pilot program area (yet to be determined) will be submitted to an online database that will determine whether the applicant is in need of credit counseling, and if so, the applicant will be required to meet with a credit counselor, at the expense of the mortgage broker or originator who accepted the application, before proceeding with the loan transaction.  Mortgage industry groups such as the Illinois Mortgage Bankers Association argue that the new law imposes an undue burden on loan brokers and originators and unfairly infringes on the civil liberties of consumers. read more SPECIAL OFFERS To coincide with our Investing Tips we suggest the following book: Streetwise Seller Financing (Use code: 2380)   To help your potential buyers, or yourself - From Credit Repair to Credit Millionaire - Donna Fox ** Special $37.00 Only **
INVESTING TIPS   How will Illinois House Bill 4050 affect you?  Predatory lending has given Real Estate Investors / Rehabbers a black eye.  This bill is a direct response to those who take advantage of the quick dollar, and may spread to other areas of the country.  We as investors, need to ensure we are creating deals that avoid any resemblance of predatory lending.  Presently, this bill only applies to mortgage loan officers, and banking staff, not privately created notes.  It is advisable for all of us to learn seller financing to avoid long delays of potential buyers acquiring mortgages.  We suggest that you read and understand how to create privately held mortgage notes, and avoid the effects House Bill 4050... read more SUCCESS STORY Can holding properties hurt you?  An investor in Northwest Indiana found out that holding properties prevented him from purchasing new rehab projects.  This story does have a successful conclusion, but it took creativity and combining several investment tools… read more		INVESTOR RESOURCES • Streetwise Seller Financing (Use code: 2380)- Eddie Speed • From Credit Repair to Credit Millionaire - Donna Fox • Unlimited Financing (6 Steps to 7 Figure Loans) - Donna Fox • Care and Creation of your Corporate Castle - Donna Fox • Is the Real Estate Bubble About to Burst? - William Bronchik • Secrets of a Real Estate Lawyer - William Bronchik   More Resources...
		CONTACT INFORMATION   Web: http://www.4rmanagement.com E-Mail: information@4rmanagement.com Phone: 708.748.0123 Fax: 708.575.1478
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