Learn to Invest in Tax Certificates & Deeds A Step-by-Step Study Course with Tax Lien Software
Our Tax Lien Certificate & Deed Study Course will teach you how to safely invest in tax lien certificates. Purchasing tax liens from county and municipal governments can provide you with extremely high rates of return ranging from 12%, 15%, 24% or even 1000% or more per year. Unlike a stock market purchase, when you purchase a tax lien certificate you don't need to worry about sudden changes in the market. Rather you become a lien holder with powerful legal rights. You will either earn a fixed and stated return on each dollar invested or you can foreclose and take title to the real estate backing the certificate. No matter how well the stock market is doing, careful investment in tax lien certificates will allow you to consistently out- perform the stock market.
This product is designed to take you through the investment process from start to finish. There is a solid emphasis on reducing and managing risk. The vast majority of tax lien certificate materials (which I have surveyed) seem to provide a general 'feel good' overview and gloss over the real details of actually investing. I handle every issue head-on and then provide you step-by-step proven solutions to make this work from anywhere in the United States.
I will guide you down the right path to success by providing you with a simple Step-by-Step approach that:
Uses simple and established learning methods to make sure you learn and master the material!
Gives you precise analysis of your investment state, its trends, timelines, filing requirements and traps...in PLAIN ENGLISH!
Discusses the full spectrum of all risk issues: including economic risk, legal risk, and asset protection issues. Step-by-step instruction is given on how to reduce these risks!
Provides you with a step-by-step action plan to walk you through the necessary steps for mastery of the tax lien certificate investment process!
Investing in tax lien certificates is an area that is greatly influenced by state law and general legal rules. I understand this process from numerous angles. I am not just an investor with another book to sell. Rather, I am a licensed attorney and former consulting professional who has seen many sides of the process. First, as a successful investor, second as a real estate attorney, and third as a former business consultant to the Harris county property tax office.
Most Recent Testimonial
Just a quick note to let you know that I have bought my first tax deed property. Its valued at $75,000. Min bid of $4500. I bought it for $8,200.
It gets even better. Its a rental property that currently brings in a rent of $900 per month. The tenant has 9 months left on his lease. I met the tenant and he is willing to purchase the property from me for $65,000....Wow.!!!
Of course, all of this is only made possible through all your help and your course teaching me "due diligence". There is a 6 month redemption period and very little chance of the property being redeemed.
Best outcome: Paid $8,400, collect $900/month for 6 months. At the end of 6 months own the property for pennies on the dollar. Add a couple of months again get title insurance - sell property to the renter for $65,000.
No loss situation!
I would like you to know just how grateful I am for all your help and for your wonderful course that you have put on concerning Tax deed investing in Texas. This puts a totally new spin on my life and hopefully I will be able to accomplish all the things that I have dreamed of.
This is only made possible through you and your very well written course.
Vaughn Ramcharitar Houston, Texas
Why Is This Course Unique?
This course is different not only because it contains straightforward legal and economic analysis, but because it uses simple and well-established learning methods to help you learn the material quickly and with a greater rate rate of retention. One advantage you will find integrated throughout this product is:
1) Context-Based Learning allows you to learn by DOING not just reading or listening!
Context-Based Learning means that after you learn a technique or rule you are asked to apply it in a slightly different context. This reinforces your learning process and ensures you can perform when it counts. You will also find that throughout the course I explain each critical process in many different ways so that you are sure to learn it from all angles.
I have also employed context-based learning to enable you to learn from a real-world setting. Below is an example found on page 56 of the course. It is used so that you can obtain a first hand picture of the processes through actual search screen results, rather than just reading about dry theory.
Actual Example Found on Page 56:
We now have a great deal of information to work with. Let’s review each of the areas included in our search result. Each number below corresponds to the flagged citations above:
1.Property Number: This once again is the property account number. Notice that the ‘tax parcel number’ just below the property number is the same. This will be true in almost all states. If there is an exception we will discuss it in the individual state sections.
2. Situs Address: This is the physical address of the property.Remember when I told you not to worry about trying to figure out the legal description? That is because...
These techniques will allow you to learn this material easier and faster than you may have thought possible. Learning studies conducted by major universities have supported the position that context-based learning: 1) leads to greater confidence when presented with real-life scenarios, 2) keeps the information entertaining and fresh, and 3) allows you to apply the information in numerous circumstance rather than just in the 'cookie cutter' format you may have been taught previously.
Sadly, context-based learning has not been used by many authors. I understand the material from the standpoint of an attorney, a real estate investor, a government consultant, and the student. Because I understand this process from so many angles, I have been able to focus on delivering it to you in the ideal form and most effective order possible. I believe you deserve nothing less.
2) A Step-by-Step Methodology Ensures You Perform the Proper Steps atthe Right Time
Unless you can put raw facts and legal rules into a workable strategy they are useless! I do not throw around information and rules without first making sure that you have the big picture. I also believe that technique is everything. The timing of your decisions, research, and analysis is critical.
Does crunching numbers bothers you? Well don't worry, the formulas included (such as the tax lien certificate value analysis) are very simple to perform and take about 3 seconds to complete. Nevertheless, the information you can derive from them is priceless. You will learn to perform all of these techniques, formulas and research steps in the exact order needed to minimize research time yet derive the greatest benefit.
3) Precise Review of the Favorable and Unfavorable Laws of Each State... in Plain English!
As an attorney, I am very passionate about teaching you the 'good' and 'bad' parts of this investment method. There is no such thing as a perfect investment or a 'get rich quick' technique. If you are looking for those types of promises then don't buy any of the products I have created.
As a legal professional, I believe a product must cover almost every angle of the real estate investment method: including economic issues, legal rules, risk reduction, and asset protection issues. I have covered the legal rules of each state in a precise manner, but I have also not forgotten that some of you may not be experts!
That is why I use numerous examples, common sense explanations, and diagrams whenever possible throughout the course. I know that I understand the material, my job is to make sure that you understand it.
Actual Example Found on Page 303:
For this section I have included 3 quick diagrams which illustrate some of the sale opportunities that happen after the regular sale. These are:
1) Assignment Purchase Opportunity,
2) Resale (Tax Deed Purchases), and
3) Left-Over Tax Deeds (after the resale
The diagram below describes the first sale opportunity: 1) Assignment Purchase Opportunity:
So as you can see the purchase process lasts from October to June. The large 'double sided' arrow means that assignment purchase opportunities are available after the regular sale in October (Month 1) to the time of the statutory resale which is usually in June (30 to 32 months) after the regular sale...
If you do not understand the picture diagram, don't worry since just below it you will find another explanation. I always believe in summarizing legal rules in many different ways. This particular rule exists in Oklahoma and is one of the most confusing statutes I have come across...so I created a simple diagram and explained in several different ways.
What if you still don't understand a rule? Don't worry it happens! My email address is also included on every page of the product. If you still don't understand an issue or rule you can email me and I will get back to you. You will soon learn that when you purchase the course I will provide you with unlimited email consulting. While I am very busy, I still answer my office phone and respond personally to emails. I do this because I want to remove all barriers from your path. In fact, you can email me for clarification for as long as you own this product!
4) Extensive Coverage of Risk Issues and the Exact Steps Required to Minimize Risk
I believe in complete coverage of risk issues but I also know that for these techniques to be effective you have to know when to avoid risk and when to manage risk. While it's very important to understand potential risk issues, it is also absolutely important that you are given the exact steps you must take to reduce your risk.
My risk reduction techniques are given to you in simple step-by-step tasks. I tell you which county, state, and Federal departments to access and exactly what to ask for. I provide you with all the step-by-step tasks needed to greatly reduce your risk...you need to only apply the techniques.
Reducing risk is a very important aspect of any investment technique. I am amazed and sometimes troubled when I review real estate courses which spend 80% of the materials covering the positive aspects of the investment technique yet they devote so little time to the negative aspects. To me that is a fluff product and a waste of money and time.
I always demand to know what could go wrong and why. I want to know where the pitfalls are, the unsettled areas of law, and the drawbacks. I devote approximately 50% of this tax lien certificate guide to risk issues and their avoidance. If you want a technical, real-world, nuts and bolts product without the marketing fluff then you will be very happy with this product.
5) Detailed Action Plan to Guide You Step-by-Step Through the Learning Process and Unlimited Email Consulting!
An action plan will be your guide through this course. I have taken the time to carefully consider how and when you review certain portions of the course. This is done to maximize your education.
You will notice that the course contains 4 hours of CD audio discussion in addition to the written materials. The CD audio material is not just a summary of the course book. Rather, it is an advanced review of the materials found in the course book. The action plan makes sure that you review the right materials at the right time and takes you through three practice sessions. These practice sessions will allow you to test your knowledge and skills before confronted with the 'real thing'.
The end result is reinforcement of the materials you have read and a much higher level of retention and understanding.
The real challenge to investing in tax lien certificates comes when trying to avoid the various state deadlines and hidden traps which can hinder the inexperienced investor. My goal has always been to take my students beyond the basics. You will find much detail in my materials. I am determined to provide my customers the highest levels of training and all the details I know. I can't forget the empty feelings I felt when I purchased courses that delivered far less than promised: I will break that cycle!
You saved me thousands of dollars with your tidbit of information on looking at the date of the cause number. I had already walked in to buy a struck off property with a a "$1,600 lien". The property was worth $15,000 FMV (fair market value).. I couldn't run to the tax office fast enough. But when I got there they told me that taxes had accrued to > $4,000… The auction date was recent but the judgment was old…after reading your course I know to compare both when considering the property. Your coursedefinitely saved me a lot of time and surprises...
San Antonio, Texas
The course really takes you by the hand and gives you EVERYTHING you need to know to go out and understand what is going on in these tax auctions...
He has never tried to up sell me on more expensive seminars or lectures, but has rather always answered my email questions within a day or 2 at no charge whatsoever...*
* NOTE: Ken B purchased my Texas course.
Here is a sample of what I will cover for you in the written course book and CD audio materials:
An Overview of the Tax Lien Certificate Investment Process: What Do You Really Need to Know?
What is the Difference Between a Tax Lien and a Tax Deed? What are the Rights and Responsibilities Associated with Each?
What is the Psychology of Investing in Tax Lien Certificates: What Do You Need To Know to Be Successful?
What Are the Primary Benefits of Tax Lien Certificate Investing?
How Do Counties Prepare for the Tax Sale? What County Procedures are Used to Prepare for the Sale? (state specifics are discussed in the state sections)
How is the Purchase Price of Tax Liens is Generally Computed (state specifics are discussed in the state sections)
What are the Different Types of Bidding Systems? (state specifics are discussed in the state sections)
Legal Rights of the Tax Lien Certificate Purchaser (state specifics are discussed in the state sections)
How Do the Interest Rate and Redemption Time Period Affect My Return on Investment?
What is Redemption and How Does it Work?
How Does the Delinquent Taxpayer Redeem the Tax Certificate? (state specifics are discussed in the state sections)
What Happens if the Delinquent Taxpayer Fails to Redeem?
What are Liens and Encumbrances?
What is a Voluntary Lien? What is an Involuntary Lien? What is an Automatic Lien? How Can These Liens Affect Your Investment?
History of Foreclosure and What it Teaches Us Today
What is the Legal Basis of Foreclose?(...in plain English)
The Basics of Lien Priority and How to Determine the Priority of Liens
What are the ABC's of Investing in Tax Lien Certificates?
How to Assess Your Most Valuable Resource: Your Time
How to Assess Your Capital: Money
What is the Best Way to Set Goals When Investing in Tax Lien Certificates?
The Best Way to Select States for Investment
When Should Foreclosure Rules Affect Choice of Investment State?
11 Criteria You Must Consider Before Choosing a State to Invest in
Targeting Counties According to Size: The Rules You Must Follow
5 Instances When You Should NEVER Call Counties
What County Officials Won't Tell You
The Side of Tax Lien Certificates that County Officials Never See: Be Warned!
4 Things You Must Know About County Employees Before You Make Contact
19 Questions that You Should Answer Before Considering An Investment State
4 Questions You Should Never Ask a County Official/Employee About Investing in Tax Lien Certificates
How To Obtain Tax Sale Listings From a Variety of Sources
How to Understand Tax Sale Listings and the 3 Hidden Clues You Must Look For
The Truth About Accessed Value and When to Use It
How to Use the Large Auction Environment to Your Advantage
How to Filter Liens Using the B Method ä
When Should You Invest in Liens Secured by Residential Property
How To Verify You Are Looking at a Lien on a Residential Property
What Are the Advantages and Disadvantages of Liens Secured by Residential Property
How to Navigate an Appraisal District and Tax Assessor Online Search Capabilities (contains actual Screen Shots)
How to Determine if the Lien Presents an Inadequate Security Risk?
What is Land Value Analysis? What Does the Formula Tell Us? What Are Its Limitations? When Should You Pass on a Tax Lien Certificate?
How to Double-Check Your Analysis of Land Value
Sample Phone Scripts with County Employees Relating to Land Value Analysis
What 5 Areas Should You Always Verify with the County?
When is Internet Research not Enough?
What is the Loan-to-Value Ratio Analysis and When Should it Be Used?
What Loan-to-Value Ratio is Acceptable? What Loan-to-Value Ratio is Unacceptable?
When Should You Use a Realtor?
15 Questions You MUST ask a Realtor
How to Work With a Realtor When Out-of-State
16 Key Questions You Must Ask Yourself When Viewing a Property
How to Invest From Anywhere in the World: The Steps You Must Take to Reduce Risk
What is 'Assignment Purchasing'? (state specifics are discussed in the state sections)
What are 'County-Held' Certificates? (state specifics are discussed in the state sections)
How Do You Determine What Re-Sale Process is Available? (state specifics are discussed in the state sections)
Sample Phone Scripts with County Employees Relating to Assignment Purchasing
Subsequent Sales: The Truth and Risks
When Do Third Party and Absentee Bidding Work for the Investor?
What are the 11 Things You Must Know About Absentee and 3rd Party Bidding?
What Are the 5 Additional Due Diligence Steps You Must Take If You Want to Purchase Tax Liens From Out-of-State?
What is the Most Important Lesson You Can Learn About Appraisal Value?
How Do You Register for a Tax Certificate Auction? (state specifics are discussed in the state sections)
4 Things You Should Deduce From Every Tax Sale Calendar of Events?
What Documentation is Needed To Bid at Tax Lien Certificate Auctions? (state specifics are discussed in the state sections)
Key strategies for: Bid Up Auctions, Interest Bid Down Auctions, Share of Ownership Auctions, and Rotational Bidding Auctions.
Due Diligence and Risk Reduction:
What is Due Diligence? What is 'True' Risk Reduction?
Which Liens Will Survive Foreclosure of the Tax Lien? (state specifics are discussed in the state sections)
What Interests Will Survive Tax Foreclosure? (state specifics are discussed in the state sections)
What is the 'Inadequate Security' Scenario?
What is an Easement in General?
What is an Easement Appurtenant?
What is an Easement in Gross?
What is a Land Covenant? How Do You Check for Overly-Restrictive Land Covenants?
How Do You Search for Easements? How Do You Know if an Easement is Public or Private?
What is a City Restriction? How Can it Affect Your Investment?
What are the Exact Steps Required to Search for City Restrictions?
What are Subsequent Taxes? When Will Subsequent Taxes Harm Your Investment? (state specifics are discussed in the state sections)
What are the Exact Steps Required to Subsequent Taxes Restrictions? (state specifics are discussed in the state sections)
When Will Subsequent Taxes Increase Your Profit? When will They Increase Your Costs? What are the Exact Steps Required to Search for Subsequent Taxes?
What is a Federal Tax Lien? What are the Exact Steps Required to Search for Federal Tax Liens
What Happens if You Foreclose on a Property with an Existing Federal Tax Lien?
When Can the Federal Tax Lien Undergo Redemption? What is the I.R.S. Policy on Federal Tax Lien Redemption?
What Happens When a Lender Suffers Financial Difficulty?
What are FDIC and RTC Held Liens? Why Should You Avoid Purchasing FDIC and RTC Held Liens. NOTE: 'FDIC' stands for Federal Deposit Insurance Corporation and 'RTC' stands for Resolution Trust Corporation.
What are the Exact Steps Required to Avoid Buying FDIC and RTC held Liens?
What is Environmental Liability?
How Do You Avoid the 'Owner/Operator Liability'?
What is the Superfund Act and What Does Section 42 U.S.C 9601 Mean to the Tax Lien Certificate Investor?
What is the False Lure of Commercial Properties? What is a Phase I Environmental Inspection? What is a Phase II Environmental Inspection?
What Are the Risk Issues Associated with Commercial Property?
What Must Every Tax Lien Investor Know About Bankruptcy?
Precise Legal Quick Facts Review of Bankruptcy Law (...in Plain English!)
What Are the Goals of Bankruptcy?
What Are the Specific Steps Required to Check for Bankruptcy?
What is a 'Preferential Transfer'? Who is the Bankruptcy Trustee? How Do You Avoid the Risk of Bankruptcy?
3 Things Every Tax Lien Certificate Investor MUST know about Bankruptcy!
What is the 'Automatic Stay'? Can the 'Automatic Stay' Be Lifted?
How Do You Access Bankruptcy Records?
What Are the Exact Steps Needed to Manage Bankruptcy Risk?
What is Personal Liability Protection?
What is the Biggest Risk Facing Investors Today?
What is a 'Defacto Business Entity'? What is a Formal Business Entity?
What is a Corporation and When Can It Assist You as a Tax Lien Investor?
What is a Limited Partnership? What is a Limited Liability Partnership?
What is a Limited Liability Company and When Should it Be Used by the Tax Lien Investor?
Foreclosure and Property Management
What is the Foreclosure of a Tax Lien? What does it mean legally?
How Can 'Due Process of Law' Affect Foreclosure of a Tax Lien?
What Are the Hidden Traps of Foreclosure?
What are the Exact Steps Required to Foreclose Your Tax Lien? (state specifics are discussed in the state sections)
How Does the Lien Holder/Attorney Foreclosure Process Work? (state specifics are discussed in the state sections)
How Does the Lien Holder/Administrative County Process Work? (state specifics are discussed in the state sections)
What is a Suit to Quiet Title? What are the Exact Steps Required to Quiet Title?
When is a Suit to Quiet Title Required for Tax Lien Properties? (state specifics are discussed in the state sections)
When is the Suit to Quiet Title Not Required? What is the Cost of Suit to Quiet Title?
How Do You Select An Attorney for Your Legal Matters? How do You Select an Attorney for You Quiet Title Lawsuit?
15 Questions You Must Ask An Attorney?
How Can You Make Money on Your Tax Sale Property?
How Do You Manage Tax Sale Property? What is the First Thing You Must Do When You Receive Your Tax Deed?
How Do You Know When To Handle Insurance? When Has Possession and Legal Responsibility Passed?
How Do You Handle Occupants of the Property? How Do You Put Yourself in Possession? (state specifics are discussed in the state sections)
Legal Review of Ejectment Actions: What is an Ejectment? What is an Unlawful Detainer?
Do You Need An Attorney to Handle Ejectment? (state specifics are discussed in the state sections)
How Do You Sell Tax Sale Acquired Property?
What Are the 5 Key Techniques Used By Investors to Profit From Tax Sale Properties?
What is a Quick Sale? How To Price a Property Aggressively? How Do You Price a Property for a Quick Sale?
What is Creative Real Estate? What are the Core Creative Real Estate Selling Techniques?
How Do You Manage Repairs on a Tax Sale Property? How Do You Estimate Repairs?
Sample Repair Estimate Price Sheet and Simple Techniques to Rank Repairs and Save Money
Key Suggestions You Must Follow Whenever You Hire a Contractor
What are the 'Big 3' Considerations When Choosing a Contractor?
What are the Contractor's Insurance, Bonding, and Licensing Requirements?
13 Questions You Must Ask a Contractor Before Hiring Them?
What is Property 'Wholesaling'? How Does it Work?
What Special Considerations Exist for Tax Sale Acquired Property?
Sample Ads to Advertise a Property for a Quick Sale
How Do You Screen 'Wholesale' Buyers to Eliminate 'Time Wasters'?
How Can You Tell Who is Wasting Your Time and Who is Serious?
What is a Lease Option? How Does a Rental Credit Work in the Lease Option Agreement?
How Can a Lease Option Reduce Rental Headaches?
What 3 Clauses Must Be Present in Every Lease Option Contract?
What are the Key Disadvantages of Lease Options?
How Do You Avoid the Equitable Mortgage?
What is the Installment Contract Sale Method? What are the Advantages and Disadvantages of Using the Installment Contract?
How Do You Rent the Tax Sale Property?
and much, much more!
Investing in tax lien certificates can be done with part-time effort. You can purchase liens even if they are not sold by your home state. As an out-of-state investor you will need to follow the additional due diligence techniques described in Chapter 5 of the course, titled: Long Distance Investing. I will show you how to make this work.
Currently there are 24 states which offer tax lien certificates for sale. My course also includes state-by-state detail and analysis on the following 19 states:(PLEASE NOTE: 5 states were not included due to unfavorable laws, ambiguity of policy and/or limited investment opportunities).
States Discussed in The Course
Detailed review and instruction covering all aspects of the tax sale, foreclosure, redemption, state-specific risk(s) and more are provided on the following states:
NOTE: The most frequent question I receive involves purchasing liens as an out-of-state investor. As indicated above: You can travel to the auction site or purchase from your home. A full 'at home' strategy is contained in Chapter 5 of the course, titled: Long Distance Investing.
Lastly, I realize no matter how well a course is written there will be times that you need to speak to a real person and ask questions. Although I mentioned this earlier, I think it is very important to assure you that when you purchase this product I will answer your questions via email. I believe that as a customer you deserve to speak with the author of the product at anytime.
Some people choose to call me and talk to me personally even before they purchase the course. In fact, if you have any questions or concerns about this course or using these techniques from your state then contact me.
ORDER TODAY AND RECEIVE:
The Attorney's Secret's to Investing in Tax Lien Certificates - Contains over 240 pages of Step-by-Step insider's information on investing in Tax Lien Certificate Sales. Includes all aspects of purchasing tax lien certificates: finding liens, research and selection of liens, purchasing liens, foreclosure of tax liens, risk avoidance, selling tax sale properties and much more. The Full Audio CD Guidebook With 6 Hours of Detailed Instruction - Important: The CD's are not summaries! They test your understanding of the core concepts presented in the course and expand your knowledge.
Includes 6 Audio CD's with a total run time of approximately 4 hours. Contains valuable insight from the author covering the legal procedures associated with investing and his valuable easy-to-follow research techniques. You should listen to the CD's after reading each chapter of the course book.
Includes Legal and Investment Analysis Sections for 19 Tax Lien Certificate States - A 170 page fully detailed analysis of each investment state, the investment climate, unfavorable laws, filing deadlines, foreclosure rules, tax sale registration rules, and more. Every area of each investment state is discussed and covered in full detail with specific statutory references.
A Detailed 7 Page Action Plan with Quick Start Discussion - A simple and painless step-by-step action plan designed to take you from education to action by following our proven process.
The Action Plan includes review questions and 3 practice sessions. It is your guide through the entire process.
After you complete the materials the Action Plan is NOT over! It will continue to guide you through all of the required steps needed to make your first purchase and track your liens.
Access to Our Online Research Center - Our Tax Lien Research Center will allow you to consolidate your county research into one place. There is no confusing registration requirement and no passwords to lose or forget. It is simple and designed to let you research your tax liens with minimal hassle and maximum efficiency.
Six Months Email Support with Author:I think this is the most important element of any program. It is designed to make sure you understand the materials, how to implement them, and know which strategy will work best for your region and your goals.
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Douglas Rutherford, CPA
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