40K Flips
the september 2012
Millennium
ADDRESSING THE NEEDS OF MODERN INVESTORS IN NE OHIO, ENSURING A SUCCESSFUL, PROFITABLE FUTURE.
The Cost of Investing:
Understanding Hidden Fees
One of the most important things you can understand is where your money is going. That may seem obvious at first because you have already selected some sort of investment vehicle -‐ whether precious metals, stocks, bonds, CDs, IRAs or others. But, do you know about the hidden costs that are taking money out of your pocket, regardless of how your investment performs? Knowing the fees you’re paying is criGcal if you want to achieve big returns and build long-‐term wealth. I want to spend some Gme here telling you about the fees associated with some of the most common investment vehicles and show you how, by puHng your money in a self-‐directed IRA, you have greater control over your money. Let’s start with how the process of seHng up this type of fund works, overall.
The Process
What is the specific process for moving/raising money? There is a 3-‐step process
(assuming we are using money from an IRA):
1. Set up an IRA account (with Equity Trust). I like to use Equity Trust
() Complete the simple account applicaGon with all the basics
including contact informaGon, beneficiary, and how the account will be funded
(other funding methods – transfer or rollover). Transfer – from exisGng IRA
account to an IRA. A rollover comes from an employers’ plan like a 401k (a
qualified plan, an employer-‐sponsored reGrement program from a for-‐profit
business) or 203b (reserved for not-‐for-‐profit types of businesses (schools,
government enGGes, non-‐profits). Fees will also be covered in the applicaGon (I
always choose to deduct from transfer).
2. Fund the account through a transfer or rollover. Equity Trust has an Account
Transfer Form that makes it simple. Tip: choose the Express Transfer opGon (for
an addiGonal $50) to speed up the process. Most of the Gme when you’re
transferring money into an Equity Trust IRA, it will be in stocks, bonds or mutual
funds.
3. Make an investment.
Josh Cantwell, founder and CEO of Millennium Capital Investments & Sharp Concepts Realty.
A LOOK INSIDE
UNDERSTANDING HIDDEN FEES………………………………………….1
REAL WORLD INVESTING………………...……..…...4
BUILD WEALTH, IMPROVE COMMUNITIES……………............6
INDUSTRY NEWS & UPDATES….7
HOT INVESTMENT OPPORTUNITIES…….…….…......10
...............................12
……….12
PREFERRED PARTNERS………….15
Cont’d. next page
1
Hidden Fees Cont’d.
Fees with an Equity Trust account
The maintenance fee schedule is included in the applicaGon. The fees are small, ranging from $190 -‐ $2,000, depending
on the size of the IRA account. Most custodians (broker/dealers) of IRAs charge a very small annual fee ($15), so these
fees will seem high at first. The reason why the fee is small in the grand scheme is, the other fees that other companies
charge includes a financial advisor who will be paid a fee to sell the fund, and there will be a net operaGng expense (for
the avg. mutual fund is 1%). So an IRA with $500K, paying 1% in net operaGng expenses, that is $5,000/year. $5,000 to
the fund manager PLUS financial advisors are paid a commission for selling a product (mutual fund, annuity, stock,
bond, etc.). The commission can be up to 5% (in this example, $25,000). So in the first year, the expenses can be roughly
$30,000. At Equity Trust, the annual fee is minor compared to other financial advisors’ fees. Saving a tremendous
amount of money by self-‐direcGng the IRA vs. leHng someone else do it for you. There are small addiGonal fees, but
many can be avoided easily. This is the first thing you need to learn and understand – what the other guys are charging.
Fees For Other Investments
American Funds is one of the largest fund families in the world with thousands of mutual funds under their
management (, choose. Fund informaGon – All Funds). Ex. Small Cap World Fund – their
management fee is 1.09% per year to manage the fund. 10% gross return = net acer expense raGo is 8.91%. So with
$500,000 in an IRA, you get a 10% return, but actually make only 8.91%; instead of $50,000 profit, you will make
$44,550 profit.
American Funds = Small Cap World
Expense RaGo = 1.09% -‐ @10% = $50,000 profit -‐ @8.91% = $44,550 profit
A Share* commission = 2% (breakpoint) = $10,000 *see page 8 for an explana:on of Share Classes.
At end of year, say earn 0% interest, will lose $10,000 in commission, then fund will take 1.09% in management fee
($5,341) = $484,659 lec. Fees cost $15,341. Compare to Equity Trust – fee for $500,000 account is $1,500. Which would
you rather be in?
Rates of return inside the stock market are bad. In some cases, when you factor in the fees, returns are actually
negaGve.
Growth Fund = stock
investment
Bond funds have less turnover, so lower expense raGo.
Stock funds will have an expense raGo close to 1%, bonds will be close to ½%.
Cont’d. next page
2
Hidden Fees Cont’d.
Fidelity Investments is another popular one (fi), known for low expenses and they do not work with advisors/sales reps. They have “no load” (no commission) mutual funds. With these, you are paying larger expense raGos and the rate of return is very low, especially when you compare that to real estate. There is a popular saying, “past performance is not an indicator of future growth,” but funds are sold based on past performance.
AnnuiGes/Variable AnnuiGes
AnnuiGes or variable annuiGes act similar to a mutual fund but when you buy the annuity, you get access to 40 funds
within the annuity and you can transfer money from fund to fund with no expense. AnnuiGes charge 3% commission up
front and a 2% expense raGo per year.
So, when examining different invesGng opGons, look first at any fees. Learn about some of the funds in which you might already be invesGng. IRA money, for the most part, is hands-‐off, “age 65 money,” most have a financial advisor who has sold an A share, collected money up front and is not acGvely managing the money once the purchase is made. In most cases, you are dealing with financial advisors who are selling a product and earning a commission on that sale. The commission comes out of your pocket and profits. If you are invesGng with a money manager, the fee comes in the form of a money management fee, which can be on top of an expense raGo.
It is important to know where your money is going. You’ve worked hard to earn your money, so you owe it to yourself to know what is going in and out of your investment. Hidden fees can end up cosGng you thousands of dollars, if you’re not aware. With real estate, we can buy at ultra low prices so we can pay private lenders a significant rate of return that they are not geHng anywhere else. I pay 12% annual interest or 15% of profits on the deal, whichever is greater, if you fund an enGre deal. If not funding an enGre deal, I pay the 12%.
When you’re ready to learn how you can earn double-‐digit returns on your money with no hidden or buried
fees, call me at 216.233.5448. Don’t wait to get started… each day delay is taking your money away.
Disclosure: This is not a public offering. This is not an offer or invitaTon to sell or a solicitaTon of any offer to purchase any securiTes in the United States or any other jurisdicTon. Any securiTes may only be offered or sold, directly or indirectly, in the state or states in which they have been registered or may be offered under an appropriate exempTon.
3
FOCUS ON SHARP CONCEPTS REALTY – YELLOW JACKET – D.A.G. – MILLENNIUM CAPITAL. A LOOK INSIDE JOSH’S INVESTING BUSINESS: PROOF THIS STUFF WORKS!
Real World Investing:
Smart Rehabs Bring HUGE Profit Potential
These are two of my latest rehab projects. I purchased both with my brother, Mark, who managed the rehab of both houses.
193 Heights Dr., Northfield, OH, 44067
We purchased this house for $43,000 and put in
another $30,000 in rehab costs for a total of $75,000.
We’ll list the house for somewhere between
$139,000-‐$144,900, and probably sell it for $125,000-‐
$128,000.
That will leave us with a net profit of somewhere
around $40,000-‐$45,000.
As with our other rehabs, we’ve put in new flooring,
8973 Fairpark Ave., Canal Fulton, OH, 44614
We just put this house on the market with an asking price
of $149,900.
We’re into the house for about $70,000 with rehab and
repair costs.
We have roughly $80,000 to work with, so acer the selling price, closing costs and other fees, we stand to collect about $60,000 in profits.
We followed our standard rehab formula on this one, with
new flooring, paint, Gle and laminate flooring and doors.
When we bought this one, the basement was flooded, so there was a lot of work to do in the basement to get it dry, cleaned and ready for the new family.
4
You Need To Know...
Understanding Share
Classes and Commissions
In order to educate yourself and fully understand the fees associated with different invesGng opGons, you need to know about the three different classificaGons or types of mutual funds and stocks. Each class carries different fees and expenses that are charged at different Gmes. It is important to know these when you’re examining your personal investments.
• Class A Shares include an up-‐front commission. They carry different sales charges with breakpoints
– the larger the investment, the lower commission
paid to the salesman/financial advisor.
• Class B Shares do not charge an up front sales commission, but have conGngent deferred sales charge. If you sell the fund and redeem it, there is a fee. Also have a higher expense raGo and a back-‐ end commission.
• Class C Shares have a conGngent deferred sales charge of 1% with the highest expense raGo. The client is charged more each year to manage the fund. There is a small annual commission.
• Instrument: Real estate mortgage and
equity partnerships.
• Investment: 65% of the Acer Repaired
Value of the property.
• Property: All purchase in the Cleveland
suburbs.
• Security: 1st lien registered at the
Cuyahoga or Medina County courthouses.
• Interest rate: 12%fixed return or 15% of
profit, whichever is greater.
• Term: Up to 5 years.
• Income stream: Monthly, quarterl
annual interest payment.
Sample Millennium
Investment Scenario
Millennium Capital Investments offers investments in real estate mortgages for savings and re6rement funds. The program is IRA eligible.
¬¬ Millennium Capital Investments, LLC designates a
property with a cer:fied, appraised value of
$140,000.
¬¬ Investor makes an $80,000 investment for a five-‐
year term, which is 60% of the $140,000 Acer
Repaired Appraised Value.
¬¬ Investor is paid 12% interest per year on the
investment—in this case $9,600 or $800/month.
¬¬ Investor is returned his original investment of
$80,000 at the end of the term, plus interest at
%12 ~OR~ 15% of profit, whichever is greater.
¬¬ Investor’s equity partnership bonus is 15% of
profit. The property is re-‐appraised at the end of
the term and shows an increase in value from
$80,000 to $140,000 and sold through Sharp
Concepts Realty. AppreciaIon bonus is 15% of
the property’s appreciated value, 15% of $40,000,
($60,000 profit minus price reducGons, realtor
commissions, closing costs, concessions, etc.) for
an appreciaGon bonus of $6,000.
¬¬ ROI Comparison
o A) 12% simple interest on $80,000 for 6
months = $4,800 ROI
o B) 15% of Profit on $40,000 = $6,000 ROI
= 15% interest
¬¬ Investor ROI = (assuming 2 property flips per
year) In a 1-‐year term turned their original
,000 investment into $89,6000 (@ 12%
rest), ~OR~ 15% of profits @ a projected
profit per property x’s 2 properGes per
r = $12,000 returned interest = 15%
ual interest.
5
Government
Subject Property:
7493 Ballash Road
Medina, OH 44256
3 bed, 3 bath
1,192 sq. ft.
Split-level, 2 acre lot
Selling price: $69,300
Check out to see what HUD
homes are available in any area.
• Last sold in January, 2000 for
$137,000
• Listed in 2010 for $169,900
• Rehab cost = $32,000 (mainly cosmetic repairs)
Buying HUD properGes is a simple, fast way to make consistent profits – quickly puHng thousands of dollars in your pocket over and over again. What is a HUD property? A HUD property is one that used to have an FHA mortgage, but the homeowner was in default and was foreclosed on. The government owns the home (they insured the mortgage), so the seller is HUD.
HUD’s process for liquidaGng their inventory of foreclosed homes is to list all homes at or below bank-‐owned prices. HUD has their own brokers with whom they list. When they first list a house, it’s only available to owner occupants for the first 15 days, not to investors. Acer 15 days, it’s available to anyone.
There are disGnct advantages to buying HUD homes. All HUD
homes get winterized, cleaned out, properly secured, checked
regularly, have a sign-‐in sheet, and have their own lock system
with mulGple keys. There are no deed restricGons. Ocen any
major repairs have been done already, so there is not a lot of
work that needs to be done, ocen simple cosmeGc repairs.
The profit potenGal for HUD homes is higher than with REOs because you can purchase the property at such a drasGc discount.
6
• Relist for $159,900
• HUGE profit potential!
Are you interested in investing in this property and realizing fast double-digit returns?
Call Josh today at 216.233.5448
Industry News & Updates
Mortgage Closing Costs Vary By State
Mortgage closing costs can vary widely by state, according to a recent survey by . The average closing
costs on a mortgage fell by 7% to $3,754, with New York being the most expensive with a cost of nearly $5,500. On the
other extreme is Missouri at $3,000. InteresGngly, Ohio ranks #11 on the list, with an average cost of nearly $4,000.
While Ohio’s costs actually fell by about $200, other states saw sharper declines, pushing Ohio up to #11 from last
year’s #18. So what’s behind the decline? A combinaGon decrease in Gtle insurance and other third party fees.
Mortgage Rates Rise For First Time in 3 Months
While mortgage closing costs are on the decline, actual mortgage rates are on the increase. For the first Gme in over
three months, the rate for a 30-‐year fixed rate mortgage rose to 3.55%, up from last week’s 3.49%. These are the
lowest rates since the 1950’s, when long-‐term mortgages were first introduced. These historic low mortgage rates are
a big factor in the slow stabilizaGon of the housing market. Home prices, in general, are on the rise, and builders are
beginning to see an increase in demand for new homes. The low rates also encourage more exisGng homeowners to
refinance, ulGmately meaning they will have more money to spend. The rise in mortgage rates came from a
combinaGon of recent news of Eurozone debt relief and “mixed domesGc indicators” such as sluggish employment
news and slow economic acGvity.
Foreclosure Errors Cost Banks $125,000… or $15,000… or…
Late last year, banking regulators set out to put a price on foreclosure errors for vicGmized homeowners. It’s going to
cost banks $125,000. Or maybe $15,000. Or perhaps just $500. Prezy clear, huh? How is the actual amount
determined? The regulators finally released their “framework” of possible outcomes from 13 different mortgage
servicing “errors.” Each of the 13 errors has a different level of monetary compensaGon. So homeowners now need to
know specifically how the mortgage servicer was in error, and also when in the process. As one would imagine with
such a cloudy remedy, the response has been less than enthusiasGc. So what egregious error earns the top $125,000
payout? One of three circumstances: acGve duty military who were foreclosed upon while under the protecGon of the
Servicemembers Civil Relief Act; homeowners who ended up in foreclosure thanks to a bank’s error and those who
were in trial modificaGons when the bank iniGated foreclosure.
Did We Bodom Out Last Winter?
As we get further into the year, evidence is cropping up that suggests the housing bust hit rock bozom last winter.
Recent data is showing a definite upswing. For the 4th month in a row, the price of single-‐family homes rose. Eighteen
out of 20 ciGes recorded index gains on the S&P/Case Shiller composite index. The year-‐over-‐year gap in housing prices
conGnues to shrink. According to Case Shiller, it appears that the bozom actually hit in January of this year. Since then,
all factors are poinGng up. There are four more factors that prove the turnaround: “Housing starts hit a low in the
fourth quarter of 2011; residenGal investment has added to gross domesGc product growth for five straight quarters;
the FHFA monthly House Price Index in May was up 3.7 percent from a year earlier, higher than inflaGon; and the
pickup in house prices helped lic 700,000 homeowners above water during the first quarter of 2012 while the number
of underwater homes fell from 12.1 million properGes at the end of 2011 to 11.4 million at the end of the first quarter,
according to CoreLogic.”
Home Prices Up For First Time Since 2007
According to Zillow, single-‐family home prices are up over 2% from the first quarter of this year, and .2% annually,
showing an increase for the first Gme in five years. InteresGngly, the housing recovery seems to be underway despite
sluggish job growth, indicaGng some measure of organic growth. According to Zillow Chief Economist Stan Humphries,
the housing recovery will conGnue along, but will be very slow. Foreclosures remain a big risk to the overall housing
industry. Due to the naGonal foreclosure sezlement, the number of foreclosures is expected to increase naGonwide.
7
Hot Investment Opportunities
16100 Aldersyde, Cleveland OH, 44120 -‐ A
steal at $366,600
This beauGful 5 bedroom, 3½ bath Shaker Colonial features tons of architectural details such as 4 fireplaces, crown molding and leaded French doors. Back yard features an in-‐ground pool with a built in grilling are, covered paGo and privacy fencing. Master suite, media room on second floor. Lower level laundry with oversized table for folding laundry. This is a must see!
1559 Edgefield, Lyndhurst, OH 44124 -‐ Yours
for only $147,500
Check out this lovely 3 bedroom, 2 bath home
and move in today. Large living room with gas
fireplace and large picture window. Lots of
updates throughout including kitchen, roof,
furnace, electrical, windows, entry door and
more. BeauGfully landscaped front and rear
yards. Rear shed for storage in the back, and
a 1-‐car, heated garage with opener. This
house is move-‐in ready, so pack your bags!
Ready to buy or
sell your own
house?
Call us TODAY to speak with an Agent.
Sharp Concepts Realty
440.623.0531
8973 Fairpark Ave., Canal Fulton, OH 44614 -‐ Ready for you at $159,900
You’ve heard about this one, now you can make it your next home. This 4 bedroom, 3 bath Colonial is situated in beauGful Canal Fulton, right near the Portage Lakes. Newly redone inside, ready for you to move right in and call it home. Redesigned large kitchen with new stainless steel appliances, Gle floor and tons of counter space. 4 bedrooms upstairs. Huge basement, great backyard for entertaining.
2021 King James Unit #217, Westlake, OH 44145
-‐ Easy living for $49,500
Homeownership without the hassle! This 2 bed, 2
bath condo is perfect if you don’t want the
maintenance of a yard, but want a beauGful
surrounding. Comes with in-‐suite laundry,
balcony, large living space and 1 indoor parking
space plus extra storage. AmeniGes include
indoor pool, tennis court, workout room, lounge
and party rooms. Perfect for entertaining! Call
today to see it for yourself.
8
Hot Investment Opportunities
2570 Edgewood, Beachwood, OH 44122 -‐ Yours for only
$155,000
This lovely 4 bedroom, 3 bath home has an eat-‐in kitchen,
separate dining room and den/sunroom on the first floor.
SiHng area and large walk-‐in closet off the second floor
large bedroom. Second bedroom perfect for a home office,
too! Fenced in yard, finished basement make this a great
ear
out
steal for $119,000
Charming 3 bedroom, 2 bath ranch features an
open floor plan and hardwood floors throughout.
Comes with all appliances. Large basement is
parGally finished and has a full bathroom, so
perfect for living and storage. Tons of storage,
located in a very quiet neighborhood. Available
for lease opGon. Call the office today to learn
more -‐ this one won’t last!
6623 Monroe, North Ridgeville, OH 44039 -‐ A bargain
at $130,000
You have to check out this lovely 3 bedroom, 3 bath
home. Located in a very quiet neighborhood on a low
traffic street. Tons of natural light, dining area opens to
the deck, making it perfect for entertaining. Huge
fenced in back yard, parGally finished basement.
Perfect to move in and make it your own, so don’t wait!
Call today to see it for yourself.
1955 Merrill, Kent, OH 44240 -‐ Charm for only $91,500
This lovely 4 bedroom, 2 bath home is ready to be your
new home. Lots of recent updates throughout,
including a newer furnace, windows and kitchen
cabinets. Large living area, and an oversized garage fits
1 car with tons of space for storage. Close to Brady
Lake.
Search the entire Northeast Ohio Market MLS for your next home at
Sharp Concepts Realty
440.623.0531
9 info@
Have An Old 401(k)? Call Millennium Capital
All too ocen, if you have a 401(k) or some other sort of savings, you’re not exactly sure what to do with it, especially if it’s one you have hanging around from an old employer. Hopefully you haven’t lec it behind, at least. But how can you opGmize your money, possibly even earning double-‐digit returns? There are several opGons available, but some are bezer than others. I’ll tell you what some of your opGons are, then tell you one soluGon that presents the best, strongest and fastest ROI – invesGng in real estate.
According to a recent survey by Fidelity, almost 1/3 of people who transiGoned jobs didn’t know what to do with their old employee savings plan – 401(k). That’s a startling number, especially when you consider that the 401(k) makes up a significant porGon of reGrement savings for most people. There are generally four opGons available, but I’ll include a fich that I think is the best choice.
1. Keep the 401(k) in the old employer’s plan – Most plans will let you keep your money where it is, and someGmes that can make sense. This is especially true if your balance is over $5,000. However, it will just sit there. Generally you can’t take a loan against the money or make contribuGons to it. There will be fewer investment opGons and withdrawal limitaGons. You may have to pay administraGve fees and your transacGons will be limited.
2. Roll over the assets into an IRA – Making this transiGon allows your money to grow tax deferred and you have access to abundant investment opGons. You can actually develop a reGrement income strategy where you get a regular income. Note that, acer age 70 ½, you’re going to be required to take regular distribuGons from an IRA, even if you’re sGll acGve in the workforce. If you choose this opGon, request a “trustee-‐to-‐ trustee rollover” to ensure that you don’t miss any deadlines and accrue any penalGes.
3. Consolidate an old 401(k) into one with your new employer – Before you do this, check to make sure the new employer’s plan accepts rollovers. You’ll be subject to following the rules of the new plan, which may have limited investment opGons. You’ll once again gain all the benefits and security of having a 401(k) reGrement plan.
4. Cash out – Be aware that if you do decide to cash out your 401(k), there are consequences to face in the
form of income tax and a 10% early withdrawal penalty.
5. Invest with Millennium Capital -‐ We pay our investors double-‐digit returns on their investments. We buy
houses at substanGal discounts, renovate them and resell them for substanGal profits. We borrow money
from private lenders to fund our deals and pay double-‐digit interest rates. To protect everyone, we have a
formal closing, a mortgage and note recorded in public record and then quickly resell the property. We
secure Gtle insurance to protect all parGes involved. Private funds allow us to purchase at a discount without
ever having to rely on banks or mortgage companies for funding.
Some of the benefits of this strategy include:
• Each loan is secured by a note and a mortgage held in escrow.
• Typically need $80,000-‐$300,000 for quick-‐turn loans.
• No bundling, pooling or combining of funds or loans. One lender per deal.
• Individual ReGrement Accounts qualify, including Roth’s.
• Allows you to self-‐direct your investments.
• Broker/Dealer sends money to Gtle agent’s escrow account.
• Title agent sends all money back to 3rd Party Administrator.
Because of our relaGonship, I want to tell you about what we do at Millennium Capital Investments and Sharp Concepts Realty. In turn, you’ll come to think of me and my companies as your trusted resource.
When you’re ready to start realizing bigger returns on your investments, call me directly at 216.233.5448.
10
Millennium Capital Preferred Partners
SHARP CONCEPTS REALTY Sell Your Home Today… Fast! Phone: 440.623.0531
Info@
HARTFORD LENDING GROUP, LLC Mark Kubek, Branch Manager Phone: 330.869.6344
Cell: 216.509.7602 mkubek@
ALL STAR LAND TITLE Complete Title & Escrow Services Phone: 440.895.2400
THE STREETER LAW GROUP Foreclosure Defense & Loan Mod. Specialist Phone: 216.407.6644 streeterlaw@
EMERALD GLEN TITLE Complete Title & Escrow Services
Phone: 440.347.0340
Karen@
WELLS FARGO
Dave Nicolanti
Refi & HAMP 2.0 Refi
dnico21@
Phone: 216-288-0518
Contact Millennium Today
iPhone or iPad User?
Visit the iTunes App Store and download our app to stay up to date on the latest. Search:
Strategic Real Estate Coach
jcantwell@
Ph: 216.233.5448
Fax: 440.888.7851
Millennium Capital Investments
6659 Pearl Road, Suite #202
Parma Heights, OH 44130
Follow
Us
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Derek Walkush – Twitter: derekwalkush
Derek Walkush – LinkedIn: in/DerekWalkush
Sharp Concepts Realty:
6659 Pearl Rd., Suite 202
Parma Hts., Ohio 44130
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REAL ESTATE NEWS FROM
JOSH
CANTWELL
12
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doors, carpeGng, remodeled the kitchen (remember,
the ceiling collapsed in this one!) and bathroom. In
the basement we had to allocate some cost for mold
remediaGon.
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$80 inte
y or $6k yea
ann
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Purchase price: $52,000
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Foreclosures Bring Big Profit Opportunity
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house for a small family. Conveniently located n
shopping, restaurants, the park and rec center. Check it
today!
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23080 Mildred, North Olmsted, OH 44070 -‐ A
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