This guide is your key to guaranteed income for life – without having to wake up to an alarm, sit in traffic, or stare at the walls of a cubical from 9-to-5. 

Imagine having an extra $1,500 deposited straight into your bank account every month.

How could that affect your life? Could you travel more? Could you spend more time with your friends and family?  Or, most importantly could you finally give back to those in need?

I was able to surprise kids with Christmas gifts.

The toughest part of investing in property is coming up with the down payment. 

I’ll show you the fastest way to save your down payments.  Just hit the button below and tell me where to e-mail the video.

Who Am I?

I’m the creator of Financial Seeds and the founder of Green Financial Solutions, a Beverly Hills, CA-based registered investment advisory firm.  Using a combination of stocks and real estate, I managed to build an investment portfolio of more than $1,000,000 – before the age of 30.  Thanks to God I’ve been able to reach thousands of people through free seminars, videos, and articles.

The truth about real estate investing

Most people are constantly chasing the elusive dream of getting rich quick.  They are constantly trying to find the next best thing, but they refuse to gain understanding.

I applaud you because you’re different.  You’re here, reading this because you understand the importance of wisdom and understanding.  Today you’re seeking the wisdom that will allow you to live the life you know you deserve.  The Bible says, “Blessed is the one who finds wisdom…nothing you desire can compare.”

My hope for you is that the Lord uses this guide as the motivation you need to start your journey to financial freedom.

Real estate was used as the number one wealth-building tool in the past and is still the best wealth-building tool today.

The wisest and most wealthy man in the Bible was King Solomon.  He built his wealth through real estate.  Today, the richest man in the world, Bill Gates, preserves a large portion of his wealth through real estate.  In fact, Forbes magazine reveals that every person on the Forbes 400 owns some form of real estate. Lastly, more than 8 out of 10 with at least a million dollar net worth, made their fortune with real estate.

So if you’re thinking about owning rental property just know your head’s in the right place.

Rent is not the only way to make money in real estate

Most people don’t realize there are several ways to make money from rental property, besides the rental income.  Here are a few:


If you own a property in a stable or popular area, the property will increase in value.  This appreciation will be more money in your pocket when it’s time to sell.


Every month, as the tenant pays rent, they’re paying down your mortgage and adding equity.  You can use this equity without ever selling your property.  I use this strategy to purchase new properties and take my wife on some pretty nice vacations.


When you buy a primary resident you do get a couple of tax deductions.    However, when you own rental property you can deduct something called depreciation, which is a large deduction that takes absolutely no money out of your pocket.

We used equity from one property to take this dream vacation

Where do you start?

Your Credit

Whether you agree or disagree, your credit score dictates almost every aspect of your financial life.  If you don’t have a decent credit score you can kiss your chances of getting approved for a mortgage goodbye.  Below are some ways you can boost your credit score — fast!

Increase your credit limits

You can do this by calling the credit card companies and asking them to raise your limits. Do this instead of opening new credit cards you don’t need.  I recommend doing this once or twice a year.

Decrease your balances

A study found that 71% of people have enough savings to pay off their credit card balances, but they prefer the security of having money in savings.  If this is you, understand that you are losing money every month because of interest. Stop wasting money — pay off your credit cards.

Become an authorized user

Ask a close friend or family member to add you as an authorized user to one of their credit cards.  Make sure it’s someone with good credit.  This will instantly give you all of their positive credit history as if it were your credit card.

Set up automatic payments

Sometimes you just forget to make a payment.  To make sure this doesn’t happen to you, set up autopay for the minimum monthly payment.  You can always pay more, but this will make sure you don’t miss any payments.  I personally recommend paying off all credit card debt in full every month.

Don’t close unused cards

Closing credit cards reduces the length of credit history.  Even if you pay a credit card off, and don’t plan on using it, you should keep it open.

Recommended free tool: CREDITKARMA.COM

Do your research

Before you talk to a realtor, lender, or agent you need to know what you can afford.  Involving these people before you know what you can afford will bring undue pressure and may create a very unpleasant experience.  Remember, their goal is to get you to buy as much house as possible.  They don’t have an interest in making sure the property is affordable for you in the long-run.  Here’s a few things to consider…


Understand ALL the cost

When determining if you can afford a property understand there’s more to think about than the cost of the mortgage.  Here are a few cost to consider: repairs, vacancy, HOA, taxes, insurance, and management fees.


Pick the right neighborhood

The neighborhood will determine the type of tenants you’ll get.  For instance, a college town will most likely offer college students or staff, while a low-income area would bring low-income tenants.  Choose wisely.


What is the average rent?

Most of your income will come from rent, so make sure the average rent will cover the mortgage and all other expenses, and produce some cash flow.

Recommended free tool: ZILLOW.COM

Now what?

By now, you should have a credit score of 700 or more. This should be enough to get you a decent interest rate.  In addition, you should have done your research.  You should know what type of property you want, where, and how much you are willing to spend.

It’s time to start month one of the six-month buying process.

Here’s all you need to know when buying your first rental property

Get preapproved

Before talking to a real estate agent, you should get pre-approved.  This shows that you’re serious and it confirms that you will get a loan for the amount you assumed.  I recommend a local bank or a broker to get the best customer service and the best rates.

Visit properties you like

This might sound like common sense, but there are several people that buy a property without ever seeing it.  Don’t make this mistake.  Before ever making an offer you must walk the property.  There may be repairs or issues that will affect your income or expenses.  I don’t care if the property is clear across the country I make sure I walk it.

Me on a flight from California to North Carolina to check out a property

Pick a realtor & manager

When you first start looking, be sure to talk to multiple real estate agents to see who you like best.  You can see real estate agent reviews on  I recommend also contacting a property manager that is familiar with the neighborhood and ask them to give you an idea of what the rent will be.  Some people want to save money by not hiring a property manager, but I don’t recommend doing that on your first property.  Here’s why I recommend getting some help from a property manager on your first property:

  1. Leases are legal documents – if you make a mistake on a lease you’ll find it more difficult to get a tenant evicted if they stop paying.
  2. Credit checks and income verifications – you want to make sure you get the RIGHT tenant, not just fill a vacancy. A property manager can do the due diligence for you.
  3. Income and expense tracking – a good property manager will provide a nice clean report that makes tax time easy.
  4. Emergencies – no matter how great the tenant is, there will be stuff that pops up. If you don’t want to be the one getting late night phone calls, you need a property manager.

What to do once you’ve found the right place?

Check the numbers

Make sure you’ve considered ALL the cost for that particular property.  Confirm with a property manager that you are making the right rent assumptions.  If the numbers don’t make sense, don’t make the offer.

Make an offer

If the numbers work let your real estate agent know that you want to make an offer.

Contact your lender

Once your offer is accepted share the purchase contract with your lender.  They’ll start the closing process, which includes requesting your appraisal, and getting all the documents together that your lender will need.

Do your due diligence

Your real estate agent should make sure you get all the appropriate due diligence done, but it is ultimately your responsibility.  At a minimum, check the following: roof, HVAC, appliances, plumbing, pests, water damage or potential water issues, and structural issues.  Not all home inspectors cover everything so make sure you’re getting what you need.

Stay on top of the paperwork

At this point there will be a lot of papers to sign and a lot of documents you’ll need to submit to the lender.  Stay on top of it.  Check your e-mail several times a day to make sure you’re not missing anything.

Watch your pocketbook

Try to avoid making any large purchases (>$1,000).  Also, try not to use any form of credit until you’ve closed and the place is yours.  Any hiccup here can create big problems and may cause your loan not to get approved at the last minute.

Do this to maximize your profit

(after closing)

Refresh the property

Most likely you’ll need to make the property rent-ready.  Or, if you’re like me, you remodel the property to attract the best tenants and get higher rents.

In the middle of a kitchen renovation

Select a tenant

Make sure you get the right tenant, not just the first person who qualifies.  This will be a person you have to deal with for a long time, so make sure they fit your desired criteria.  As the owner, you have the control.  This is probably the most important part of the entire process.  You must ensure you’re getting the RIGHT tenants.  This is where a property manager comes in handy.

Get paid

You can have a manager take care of paying all of the expenses and collecting the rent.  Or, if you want to manage things yourself, you can set up some type of online payment process for your residents.  You can put any expenses on autopay.  The choice is yours.

The main thing here is to not make your residents give you checks.  Having a simple online payment process is very important.  A good tenant may eventually get tired of an inconvenient process.

Now, you have all the information you need to get the ball rolling.  If you make the decision to start today, then 5 or 10 years from now you may have several properties generating thousands of dollars in income every month.

Or you can choose to do nothing and ultimately look back with regret.

Proverbs 16:9 tells us to plan and let God order the steps.  Don’t spend your entire life building someone else’s plan.

If you’re ready to live a life of freedom and start building your fortune, enter your name and e-mail below.  I’ll shoot you a video that will help you come up with your down payment faster than you’ve ever imagined.

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