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Does This Look Like a Million Dollar View To You?
Seasoned Property Investor Selling His N.S.W. Seaside Apartment for Less Than 197K, No R.E. Agent & NO Banks So You Can Make It Happen
A Personal Letter To Savvy Property Investors
Jamie Wadley (Former Finance Broker)
Wangi Wangi
New South Wales 2267
Dear Property Investor
Have you been looking for a low entry point property investment opportunity but have been stymied by the BIG Banks? Then I have some good news for you
Hello, my name is Jamie Wadley, I’m a former Mortgage Broker and I have the good fortune of being able to offer you the opportunity to acquire an investment property without you setting foot into a major Bank or any traditional Mortgage Lender - ever.
Are You Self Employed? This Can Make Property Investment Tough - Well Until Now :)
Even if you are self-employed or don’t fit into the bank's model of an ideal customer (you know what I mean).
Not only that, if you decide this property is right for you, it's at a bargain price and the current owners will guarantee that you pay no hidden fees or charges.
That’s no bank charges, no mortgage insurance and no application fees. None of the usual up-front fees associated with investing in property. The only money you need goes directly towards owning your property.
There is “not one” of the normal hurdles that prevents keen investors like you from entering the lucrative real estate investment market, be you seasoned campaigner or a first-time investor.
Why is this property being offered as such a great deal?
The reasons are simple. Paul and Sharon, (the owners) are business people,may be like you are.
And they hate traditional real estate sales models and all the extra costs that go with it.
Paul & Sharon offered their property through traditional channels but all the extra fees, charges, commissions (and the reasons to justify them) were an insult to their intelligence.
That's why they'd rather sell their apartment cheaper, directly to a regular person. Rather than hassle and bargain with some guy who stacks ten’s of thousands to the cost of the property and does next to nothing for it.
Why Are They Selling?
Fair question, the reason Paul & Sharon decided to sell are simple.
They originally purchased their seaside apartment as a place to escape with the kids for holidays and to get away from Melbourne's hustle and bustle.
And like now, it was a bargain just too good to pass up.
That was over 10 years ago and the kids are now all but grown up and are going their separate ways.
Here Are 7 Important Facts About The Seaside Apartment in Merimbula
1.
No Bank Loan Required
That's right, NO Banks, NO Lenders at all to own this property.
Paul is a 44 year plumbing expert with his own business, Sharon a skilled Theatre Nurse, but property investing that is their passion.They know how hard it can be to enter the property market, especially if you work in your own business.
They have been there too.Banks and traditional lenders don’t make it easy.To be honest it is the opposite. I know, I was at the coal face of trying (mostly in vain) to secure investment finance for my self-employed clients when I was a Broker.
The banks make it near impossible for you, especially since the G.F.C. (Global Financial Crisis).Since that time they have tightened their purse strings to the point of strangling the opportunity for anyone who doesn’t meet their criteria of a “Normal Borrower”, whatever that is...
.Operating as a Mortgage broker with 56 lenders in the stable till about 5 years ago, I worked alongside hundreds of business owners. Very few of them ever qualified for an investment loan.In the end, I got sick of saying NO, that’s why I gave Mortgage Broking it away.
So I applaud Paul & Sharon both for taking the banks out of the equation and taking the biggest hurdle to ownership out of your way.Mind you they are not giving this property away, they are investors too.You will have to find 20k to make it happen, but that’s it.
2.
Detailed Property Investment Analysis Report
Are a numbers person (I am). To help you find out if this Property is a "Right Fit" for you I have created a detailed Property Investment Analysis Report.
This is a computer model designed to analyse any property investment scenario in Australia (or New Zealand). It takes all of the guess work out of analysing a potential property so that you won't have to guess when you you. It outlines the lot.
This report is something you would never see from a traditional real estate seller or agent.
It is created with a system called PIA Pro. Like I mentioned above, this is a computer modelling system design to help Professional Investors when considering a property to invest in.
The P.I.A. system is designed specifically to calculate (to the “nth degree”) all the costs associated with owning an investment property.
It considers the income it can produce, tax off-sets etcetera are all included in the computations. From this raw data a bottom line number of a weekly contribution for ownership is calculated.
P.I.A. is made by one of Australia’s most respected property investors and investment teacher’s – Jan Sommers.
If you haven’t heard of her and you are a student of property investing in Australia, you definitely will hear of her.
She wrote the book, literally. It is called “More Wealth from Residential Property”. It is worth the read.
I have read it cover to cover and use it as a Property Investment manual & textbook. It take "Pride of Place" in my bookcase in front of me as I write this letter to you.
You can download your copy of the PIA Report here.
The report is based on a normal investment scenario that goes like this.
The property is let (leased out) “holiday fashion” about 80% of the year. That is tenants will be renting your property for about 40 weeks a year.
This still leaves about 10 weeks a year free for you to enjoy your property yourself.
The scenario goes on to include an annual income for a future investor/owner of 88k a year.
To this all the ins and outs of property ownership are taken into consideration, Rent, Land and Water Rates, Electricity, Maintenance, everything.
It even calculates the tax break you will be entitled to as a property investor.
A comprehensive 20 page Property Investment Report like this one (worth $500 on its own) is your free, so you can be certain of all the property details you need to make an informed and intelligent decision.
So you can see if this property is a right fit for you.
The PIA Report covers things like these (to name a few):
- Pre-Tax Cash Flow
- Total Tax Deductions (Cash & Non-Cash Deductions)
- Tax Credits & After-Tax Cash Flow
- Internal Rate Of Return
- 20 Year Equity Projections
- Tax Credit Calculation
This list goes on.
3.
The Total Investment
The Total Investment
You will not believe the price when I tell you, and it won't be 500k.
So let me first give you some background about Merimbula and the Sapphire Coast first.
This data, by the way, is provided by RealEstate.com.au and you are welcome to check it yourself.
The average property price in Merimbula (at the time of writing) is $459,000 (but Paul and Sharon aren't asking that ), the growth (average increase in property value over time) is 3.6% per annum.
All that said, the total for you to own this property, done and dusted – $187k, that’s it.
That’s less than half the median price in the area, and remember you are 100 metres from the “Fish Pen” saltwater lake on one side and 200 metres from the Pacific Ocean and Main & Pambula Beach on the other.
I think you know why.
Investors like you are getting excited about this property. My gut feeling is this property will not last long.
This is not a joke.
Just in an air of openness, let me say one more time, to make this property yours, it will take a $20k deposit and of course a monthly instalment after that.
4.
Sound Too Good To Be True?
So you think there must be a catch, this place must be a DUMP for this crazy price. It must be a fixer-uperer.
No way, on the contrary, your property has two live-in managers, Lynda & Rod. You will get to know them well if you claim ownership.
Lynda & Rod not only maintain your property for you, they take care of the gardens and the lawn, they even wash the lined when you have “guests” using your property. Remember, this is a vacation place just 200 Metres from the coast.
They take care of just about everything, so your investment runs completely hands-free.
You don’t really want to have a call at 3:00am and drive or fly from where you live to fix a broken hot water service or toilet do you?
You don’t have to. Lynda & Rod are in the complex, on-site – right there to do it for you and to take 100% of the worry away.
I can hear you say “This must cost a fortune”, and you’re right service like this does come at a price.
Though you will see when you get your copy of the PIA (Property Investment Analysis) Report, this is already factored in.
And at the risk of letting the cat out of the bag, based on the scenario detailed above, your weekly cost of ownership for Merimbula by the Sea is as little as $73 a week.
This is based on all your costs and the achievable rent return combined with your negative gearing tax benefit mentioned above.
The weekly holding cost is even less in the second year.
Have your accountant, wife, husband, smart investor friend look over the report with you.
And don’t make a move until you’re 100% certain that this property is a right fit for you.
So you can finally have an investment property of your own, not for $500 a week, how does $73 a week sound?
This number will of course vary depending on your taxable income and other factors including annual rent and the like.
If this does resonate with you though, don’t delay too long.
You are not the only person looking right now. And there is only one property on offer.
5.
You Can Holiday In Paradise 10 Weeks A Year
How About a Bonus Holiday in Paradise – Free, Twice a Year – With All Your Expenses a Tax Deduction
Hard to believe? Think again.
Remember we said your property will be rented about 80% of the time, leaving about 10 weeks a year for you to use your investment for your holidays for you and the family.
And be a tax deductible trip too.
As an investment property owner, you are entitled to visit your property twice annually to “Check on it”.
All the expenses you incur while you are checking on your property are tax deductible. True.
Of course, you will have to verify this with your accountant or tax adviser, just to see if you are eligible, though you are entitled to do this visit your property two times a year – absolutely.
Most politicians are property investors too, so I would not be too worried about this or other similar “Property Investment Tax Perks” disappearing anytime soon.
Think of it as having a sympathetic ear in the halls of power, they will not cut off their nose to spite their face (or yours).
And if you don’t want to holiday there, no problem.
Stick your investment on the online booking website AirBnB.
Apartments like this in Merimbula are renting for $1,100 to,$1,500 per week, and that’s in June, in the dead of winter!
6.
This Is Not Just Any Apartment
Merimbula is Not Just Any Apartment, remember in one direction, less than 200 metres distant is the ocean and one of the most beautiful, unspoilt beaches on the New South Wales Coast.
On the other, you are less than 100 metres from a beautiful saltwater lake, one so healthy the locals call it “The Fish Pen”.
7.
Don't Just Take My Word For It...
Independent Australian Traveller Magazine (website www.australiantraveller.com) says this about Merimbula.
We Rate Merimbula in Our 100 Towns of Australia
“Coming in at #54 & #42 in the Best Views Australia wide. The reason are its beachfront, rainforest and bush location.”
Australian Traveller Magazine’s new editor’s spent a lot of time in this Sapphire Coast gem, and reckons she’d rate it higher.
Merimbula is located centrally between Australia’s three major capital cities and is easy reach from Melbourne, Canberra and Sydney.
Along the Princes Highway from Sydney (via Canberra). Merimbula is 530 kilometre by road, while it lies about 7 hours north of Melbourne.
Canberra is 243 kilometres up the road.
And Merimbula has its own airport too, should you or your guests need to get there quickly Regional Express flies from Sydney and Melbourne and is about an hour from either capital.
One More Thing I should Mention
One thing I should also mention, Paul has recently sold his business in Melbourne and he and Sharon have moved north to Lake Macquarie in NSW. Looking for a warmer lifestyle.
As a result Merimbula, without the draw of the kids, is just too far away, and their move north is your opportunity.
Just FYI, the ad you clicked on to get here is part of over 2,000 “investment property” related queries on Google every day. For Sydney, Canberra and Melbourne alone.
This goes up to over 4,500 per day in January.
What are the chances of someone else thinking this property is right for them too?
Pretty high I am sure you’ll agree. And there is only one apartment for sale at this price.
If you are interested, if only vaguely, even if you have only been thinking about investing in property, but didn’t know how you could swing it with a bank.This could be the opportunity for you.
Do yourself a favour and download the detailed Property Investment Analysis (PIA) Report here and find out.
The opportunity is there but only you can make a move towards it.
Get the report so you can make an informed, intelligent decision about whether this property opportunity is right for you.
Even if you decide not to move forward, you will have at least given yourself the chance. And a PIA Property Investment Report can be an education in themselves.
What do you have too lose?
So on behalf of Paul & Sharon, thank you for your interest, I hope you can find the property opportunity you have been looking for.
Sincerely
PS. This opportunity is not for everyone.
To be the owner you won’t have to go "Cap in Hand" to see the bank to plead for finance, forget that.
You will have to be able to lay your hands on 20k to get started but after that, your new property will help pay for itself.
Start by getting the report now. Click The BIG Orange Button Below
Sincerely
About the Author
Jamie Wadley is a student of Property Investing and operated as a consultant in the Property Investment space throughout the 1990's.
In that time he worked with some of the sharpest and brightest property investment brains in the Australia.
From there he turned his hand to Mortgage Finance and started his own Brokering Business, specialising in investment and residential mortgages for business people at all levels.
This was at a time when the banks and mortgage lenders were tightening the screws on any kind of investment finance, especially to those people in business.
Jamie currently shares his marketing experience and savvy working as a Marketing Coach for Australian businesses, while still continuing his education in the areas of investing and personal development.
He spends his free time either at the gym or racing a yacht on Lake Macquarie in New South Wales.