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Matt Shaw ABR
Licensed REALTOR®
State of Iowa
Ph # 515.360.2247
Fax # 1-866-754-9351
4800 Mills Civic Pkwy #203
West Des Moines, IA 50265
 
Old Home
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2008
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Investing in Tomorrow...
Your road map to financial security!!
Tired of
working for a job and contributing to a 401K you know won't be
enough for your retirement, contributing to social security with
the hopes that it will even be available by the time retirement comes
around? Then it's time to take control of your
financial future and quit leaving it up to the government or
your employer.
Investing in Tomorrow is a full service real estate
investing guide and property management service. At
Investing in Tomorrow we will show you:
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How the down payment & investment of just 2 houses can turn in
to 18 or more with no additional money
or downpayments.
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How to create wealth and financial security for your
retirement, kids college fund, the start of a
new business or what ever you wish to use it for
without saving 10% of your paycheck every month!
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How to get maximum market rent for your
properties. |
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How to keep your money working for you.
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and the best part of Investing in Tomorrow
system is you don't have to worry about any of
the property & tenant management, tenant
screening, maintenance etc. We can
take care of ALL of that for you!
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Below is a brief outline
of how the investment of just 2
properties can turn
in to 18 or more and
literally hundreds of thousands of
dollars in equity. |
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Purchase Price:
$100,000 (For one
property)
Down
Payment: $10,000
(Down payment on each of your
1st 2 properties)
Actual Mortgage:
$90,000
30
year loan at 6.5%: =
$569 - Principle & Interest
$149
- Taxes & Insurance
Mortgage Payment:
$718
Rent:
$900
Mortgage Payment
- $718
Positive Cash flow:
$182/month X 2
Properties |
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Fast forward just 5 years...
So it's just five years of owning
your first two investment properties (Originally each bought and
valued at $100,000) with an appreciation of 4% annually
your properties would be worth approximately
$121,000 each. Plus, on your $90,000
mortgage
you would only owe $84,300. So
after just 5 years you would have about $36,700
of
equity in each house. |
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Then...
5 Years Later...
Homes Market Value: $100,000
→ Homes
Market Value: $121,000
Mortgage Balance: $90,000
→
Mortgage Balance: $84,300
Equity
$36,700
Two Houses
X
2
Total
Equity $73,400 |
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As any investor will tell you,
the key to successful investing is to...
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Invest your money into an asset.
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Get your money back out of that
asset.
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Keep control of that asset.
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Put your money back into another
asset.
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And start the process all over again
to keep your money working for you.
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Now...you can refinance up to 90%
of your properties market value. 90% of $121,000
is $108,900 minus your mortgage balance of $84,300 you
can take out $24,600 on each property.
With two properties that is $49,200
This is where it starts to
get exiting!!!!
You can take the $49,200 from the
refinancing of your first two properties and use that
money for down payments on 4 more properties at
$120,000 each. |
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Purchase Price: $120,000
Down
Payment: $12,000
Actual Mortgage: $108,000
30
year loan at 6.5%: = $683 - Principle & Interest
$170
- Taxes & Insurance
Mortgage Payment:
$853
Rent:
$1000
Mortgage Payment -
$853
Positive Cash flow:
$147/month
Time 6 houses:
X
6
Total
Cash Flow
$882.00/month |
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Fast forward another 5 years...
Let's move forward 5 more
years...so it's just 10 years from when you bought your
first properties and you now own 6 properties total (you
still own your initial 2, plus the 4 you bought 5 years
previously). With the average rate of appreciation
at 4% annually, your properties would now be worth
approximately $145,000 each. Plus on
your $108,000 mortgages you would only owe
$101,100! |
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Then...
5 Years Later...
Homes Market Value: $120,000
→ Homes
Market Value: $145,000
Mortgage Balance:
$108,000
→
Mortgage Balance:
$101,100
Equity
$43,900
Six Homes
X
6
Total
Equity
$263,400 |
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Now, once again...you can
refinance up to 90% of your properties market value.
See where this is going??!!
90% of $145,000 is $130,500, minus
your mortgage balance of $101,100 you can take out
$29,400 on each property. With six
properties that is $176,400 you can take
out!
And once again you can take the
$176,600 from the refinancing of your six
properties and use that money for down payments on
12 more properties at $145,000
each. |
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Purchase Price: $145,000
Down
Payment: $14,500
Actual Mortgage: $130,500
30
year loan at 6.5%: = $825 - Principle & Interest
$206
- Taxes & Insurance
Mortgage Payment:
$1031
Rent:
$1200
Mortgage Payment -
$1031
Positive Cash flow:
$169/month
Time 18 houses:
X
18
Total
Cash Flow
$3,042/month |
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Fast forward another 5 years...
Let's move forward 5 more
years...so it's 15 years from when you bought your
first two properties and you now own 18 properties total.
With the average rate of appreciation at 4% annually,
your properties would now be worth approximately
$176,000 each. Plus on your $158,400
mortgages you would only owe $122,200! |
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Then...
5 Years Later...
Homes Market Value: $145,000
→ Homes
Market Value: $176,000
Loan Amount:
$130,500
→
Mortgage Balance:
$122,200
Equity
$53,800
Eighteen Houses
X 18
Total
Equity
$968,400 |
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Now, once again...you can
refinance up to 90% of your properties market value.
90% of $176,000 is $158,400, minus
your mortgage balance of $122,200, you can take out
$36,200 on each property. With 18
properties that is $651,600
And once again you can take the
$651,600 from the refinancing of your
eighteen properties and use that money for
down payments on 36 more properties at
$176,000. |
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Purchase Price: $176,000
Down
Payment: $17,600
Actual Mortgage: $158,400
30
year loan at 6.5%: = $1,001 - Principle & Interest
$205
- Taxes & Insurance
Mortgage Payment:
$1206
Rent:
$1,400
Mortgage Payment -
$1,206
Positive Cash flow:
$194/month
Time 6 houses:
X
54
Total
Cash Flow
$10,476/month |
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Fast forward another 5 years...
Let's move forward 5 more
years...so it's20 years from when you bought your first
properties and you now own 54 properties total.
With the average rate of appreciation at 4% annually,
your properties would now be worth approximately
$214,000 each. Plus on your $158,400
mortgages you would only owe $148,300!
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Then...
5 Years Later...
Homes Market Value: $176,000
→ Homes
Market Value: $214,000
Loan Amount:
$158,400
→
Mortgage Balance:
$148,300
Equity
$65,700
Two Homes
X 54
Total
Equity
$3,547,800 |
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So
in just a matter of 20 years and the guidance & assistance
of a real estate investment expert you could feasibly have
over 3.5 million dollars in equity starting with the
investment of just two homes! Is that a return you can
expect from your 401 K or social security? I wouldn't
count on it!
Now, when most people get to the 10 - 15 year
range with their investments is when it's a they start
to diversify their investments. Whether you
reinvest your equity in more residential real estate,
commercial real estate, start the business you always
wanted, retire, put towards kids college fund or a
combination of any really doesn't matter. What
does matters is you have the money to do it and it all
started with the initial investment of just of two houses!
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Matt Shaw
Licensed REALTOR®
RE/MIX Real Estate
Concepts
4800 Mills Civic Pkwy Suite 203
West Des Moines, IA 50265
Ph # (515) 360-2247
Fax # 1-866-754-9351
mattshawhomes@gmail.com
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