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	<title>Two Average Joes &#187; We Sell Houses Modesto</title>
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	<description>Real Estate Investor &#38; Entrepreneurs</description>
	<lastBuildDate>Fri, 30 Jul 2010 11:51:34 +0000</lastBuildDate>
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		<title>Make Your Beats</title>
		<link>http://twoaveragejoes.com/blog/we-sell-houses-modesto/make-your-beats/</link>
		<comments>http://twoaveragejoes.com/blog/we-sell-houses-modesto/make-your-beats/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 17:25:12 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[We Sell Houses Modesto]]></category>
		<category><![CDATA[Aspirations]]></category>
		<category><![CDATA[Audio Loop]]></category>
		<category><![CDATA[Audio Loops]]></category>
		<category><![CDATA[Bass Line]]></category>
		<category><![CDATA[beatmaking]]></category>
		<category><![CDATA[Enhancing Your Skills]]></category>
		<category><![CDATA[Excel]]></category>
		<category><![CDATA[Fortune]]></category>
		<category><![CDATA[Harmony]]></category>
		<category><![CDATA[Hip Hop]]></category>
		<category><![CDATA[Kind Of Music]]></category>
		<category><![CDATA[make beats]]></category>
		<category><![CDATA[make instrumental]]></category>
		<category><![CDATA[make instrumentals]]></category>
		<category><![CDATA[make music beats]]></category>
		<category><![CDATA[make own music]]></category>
		<category><![CDATA[Make Your Beats]]></category>
		<category><![CDATA[Make your own beats]]></category>
		<category><![CDATA[make your own music]]></category>
		<category><![CDATA[making instrumentals]]></category>
		<category><![CDATA[Making Your Own Beats]]></category>
		<category><![CDATA[making your own music]]></category>
		<category><![CDATA[Midi Drums]]></category>
		<category><![CDATA[Music]]></category>
		<category><![CDATA[Music Artists]]></category>
		<category><![CDATA[Music Beats]]></category>
		<category><![CDATA[Music Industry]]></category>
		<category><![CDATA[Musician]]></category>
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		<category><![CDATA[sonic producer]]></category>

		<guid isPermaLink="false">http://twoaveragejoes.com/blog/1164/make-your-beats/</guid>
		<description><![CDATA[Whether you&#8217;re into soul, or hip hop, the surest way to establishing a name for yourself in the music industry remains the same: you should make your beats while still maintaining your own brand of music. Understandably, the thought of making your own beats can be rather daunting. Nonetheless, it&#8217;s important that you do your [...]]]></description>
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<p>Whether you&#8217;re into soul, or hip hop, the surest way to establishing a name for yourself in the music industry remains the same: you should make your beats while still maintaining your own brand of music.</p>
<p>Understandably, the thought of making your own beats can be rather daunting. Nonetheless, it&#8217;s important that you do your best and see this as a challenge rather than allowing it to discourage you from following your aspirations.</p>
<p><strong><a target="_blank" href="http://howmakebeats.com/make-your-beats">Make Your Beats</a> Count&#8230;Start by Mastering Your Genre</strong></p>
<p>Of course, don&#8217;t take this advice to the extreme and challenge yourself into developing a totally new genre. While it&#8217;s possible, you might need to expand your repertoire a bit first. Meanwhile, there is nothing wrong with devoting your precious time to enhancing your skills and expanding your mastery of your preferred genre. Explore the works of your peers and see if they can inspire you into making your own beats better than ever.</p>
<p>Dedicating your time to excel in your genre means you&#8217;re already ahead of other debuting music artists as well as boosting your abilities as a musician.</p>
<p>One great thing about today&#8217;s music industry is the improved accessibility to equipment . Nowadays, affording the  technology for creating your own beats doesn&#8217;t necessarily have to cost you a fortune.</p>
<p>Producing the ideal beat for your music requires three important components: midi drums, audio loops, and bass line. These parts are used in virtually any kind of music possible so it&#8217;s vital that you&#8217;re completely aware of how they work and what they can provide to your music.</p>
<p>A track&#8217;s bass line is its underlying frame. It is made up of a collection of notes or music beats that will be played repeatedly and which all other parts of your song would have to work with so that your piece has sense of harmony.</p>
<p>It&#8217;s okay to dedicate as much time as you want polishing your bass line. If your bass line doesn&#8217;t work, the rest of the song won&#8217;t work either.</p>
<p>The second factor you have to consider is the audio loop. This is a favorite choice among many rap &#038; hip hop makers. They are commonly used for altering your music&#8217;s primary theme or mood. To create one, you simply mix a set of notes from musical instruments or any other viable source of sound. With audio loops, you&#8217;re free to play and experiment in any way you wish until you hit upon the ideal set of beats.</p>
<p>Last but not the least, you need to create midi drum patterns which go well with the rest of the piece. You can choose to apply one set or pattern of notes or mix various sets. You can do anything as long as it is enhancing instead of detracting from your work.</p>
<p>Sometimes, midi drum patterns aren&#8217;t a pattern at all. But rather, they&#8217;re comprised of a diverse collection of beats but used as repeating loops and acting as something related to a secondary tier of beat or melody.</p>
<p>To summarize: in making your beats, start with forming a forceful bass line to act as your music&#8217;s integral part then solidifying it with fully-developed audio loops and one or a number of midi drum patterns.</p>
<p>If you&#8217;re all set to produce your own beats, then don&#8217;t let anything stand in your way&#8230;make awesome tunes for everyone to hear.</p>
<p>For information about making instrumentals, go here: <strong><a target="_blank" href="http://howmakebeats.com/make-instrumental">Making Instrumentals</a></strong></p>
<p>For info about making your own music, visit: <strong><a target="_blank" href="http://howmakebeats.com/make-your-own-music">Make Your Music</a></strong></p>
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		<title>Girl Cowboy Shoes or boots &#045; Training Small Ladies concerning how to Gown &quot; up &quot; Just like a Real Cowgirl</title>
		<link>http://twoaveragejoes.com/blog/we-sell-houses-modesto/girl-cowboy-shoes-or-boots-training-small-ladies-concerning-how-to-gown-up-just-like-a-real-cowgirl/</link>
		<comments>http://twoaveragejoes.com/blog/we-sell-houses-modesto/girl-cowboy-shoes-or-boots-training-small-ladies-concerning-how-to-gown-up-just-like-a-real-cowgirl/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 15:26:19 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[We Sell Houses Modesto]]></category>
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		<category><![CDATA[child cowgirl outfit]]></category>
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		<category><![CDATA[Cowboy Boots]]></category>
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		<description><![CDATA[Within tvs, what are the cowboy will could be extremely attractive towards the children. More often than not, these people appear to possess brave functions within films. They aren&#8217;t just observed using their own farm pets as well as chasing after the missing mustang along with their own lasso. They aren&#39;t simply noticed employing their [...]]]></description>
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<p>Within tvs, what are the cowboy will could be extremely attractive towards the children. More often than not, these people appear to possess brave functions within films. They aren&#8217;t just observed using their own farm pets as well as chasing after the missing mustang along with their own lasso. They aren&#39;t simply noticed employing their park domestic pets and also going after following on from the not well&#45;known mustang together with their own lasso.</p>
<p>Just this time around, once they gown upward such as all of them these <a target="_blank" href="http://www.cowgirloutfits.net/child-cowgirl-outfit.html">people turn out to be Cowgirls</a>.</p>
<p>Cowgirls usually are extremely attractive as well as womanly. They could additionally appear difficult also. The things they&#8217;re doing in the united kingdom brings about powerful. The actual effort makes all the unfaltering. Right now tips on how to train your own little girls in order to gown such as a single? We aren&#8217;t outfitting such as Daisy Duke within the Dukes associated with Risk. Right here clothing are simply also skimpy on their behalf. We&#8217;re referring to actual the Cowgirl clothing which carefully looks like those of the actual guys. That one outfit could possibly be the simplest collection that you could build with out needing you also significantly cost with regard to a good outfit. In addition, your children will certainly appear adorable. Listed here are couple of ideas:</p>
<p>o Locate a virtually exhausted jeans denims on their behalf and continue to split the actual regions of the actual &#8221; leg &#8220;.</p>
<p>o For that best: locate a sleeveless undershirt as well as set this having a vest. On the other hand, you should use a button-down plaid clothing. What you could perform is actually attempt to connect finishes from the clothing within the front or even on the back subjecting some the actual belly. You may also attempt to tuck the clothing within whatever appears greatest on their behalf.</p>
<p>o Obtain ladies cowboy boots. Make certain this clear as well as refined. The boots is generally made from leather-based. They&#8217;ve one of the most westernized routine <a target="_blank" href="http://www.cowgirloutfits.net/childs-cowgirl-outfit.html">best for just about any future cowgirls</a>.</p>
<p>o You may also search for equestrian chaps, because this particular may be one of the actual add-ons linked for his or her utilize.</p>
<p>Generally, cowboys are usually well-known with regard to putting on the actual batwing kinds. Consequently, for those who have all of them, attempt to make sure they are put it on also.</p>
<p>o Locate a leather-based buckle having a large steel belt. Make use of this in order to safe their own usually reduce trousers.</p>
<p>o Type their own locks by looking into making all of them in to pigtails or even braid all of them upon each side. Different add-ons may opt for your own outfit. One of these is actually putting on the loath (The actual circular organization types they generally put on).</p>
<p>o You are able to place gadget weapons on your bottom line or else you may place the lasso linked from your own back.</p>
<p>Looking nicely put together together with your little girls can be quite a excellent knowledge on their behalf. This is one kind of your own methods a great deal an area of the time for you to your children. This particular outfit is <a target="_blank" href="http://www.cowgirloutfits.net/">designed for any type of party as well as Halloween</a>. Performing these items is really as well as cost-effective method of looking nicely put together like a cowboy. Almost all you&#8217;ll want to perform would be to draw aged items jointly as well as their own individual girls cowboy boots to finish the actual collection. The actual add-ons are simply optionally available. You don&#8217;t genuinely have to look the actual problems of shopping for all of them.</p>
<p>cles with regard to children that they can really wish to put on is simple as well as enjoyable.</p>
<p> </p>
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		<title>Real Estate Investing in 2009 And Beyond</title>
		<link>http://twoaveragejoes.com/blog/we-sell-houses-modesto/real-estate-investing-in-2009-and-beyond-5/</link>
		<comments>http://twoaveragejoes.com/blog/we-sell-houses-modesto/real-estate-investing-in-2009-and-beyond-5/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 02:00:53 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[We Sell Houses Modesto]]></category>
		<category><![CDATA[Booming Economy]]></category>
		<category><![CDATA[Estate Portfolios]]></category>
		<category><![CDATA[Financial Difficulty]]></category>
		<category><![CDATA[Good Real Estate]]></category>
		<category><![CDATA[Hard Money Lenders]]></category>
		<category><![CDATA[Investing Basics]]></category>
		<category><![CDATA[Investing Education]]></category>
		<category><![CDATA[Investment Education]]></category>
		<category><![CDATA[Misconception]]></category>
		<category><![CDATA[Odds]]></category>
		<category><![CDATA[Poor Economy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[Real estate investors]]></category>
		<category><![CDATA[Reo Sales]]></category>
		<category><![CDATA[Retirement Plans]]></category>
		<category><![CDATA[Success Increase]]></category>
		<category><![CDATA[Thousands Of Dollars]]></category>
		<category><![CDATA[Tide]]></category>
		<category><![CDATA[Virtual Real Estate]]></category>

		<guid isPermaLink="false">http://twoaveragejoes.com/blog/1125/real-estate-investing-in-2009-and-beyond-5/</guid>
		<description><![CDATA[When you think of virtual real estate investing, a number of things may come to mind. You might immediately leap to real estate investing being real estate portfolios and real estate retirement plans and hard money lenders or you may think instead of short sales, bulk reo investing and virtual real estate investing. Likely you [...]]]></description>
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<p>When you think of <a target="_blank" href="http://www.virtualrealestateinvesting.com/">virtual real estate investing</a>, a number of things may come to mind. You might immediately leap to real estate investing being real estate portfolios and real estate retirement plans and <a target="_blank" href="http://www.reliable-hard-money-lenders.com/">hard money lenders</a> or you may think instead of short sales, bulk reo investing and virtual real estate investing. Likely you also wonder how these things will factor into your life as a real estate investor in the current economy.</p>
<p> You can learn a lot about real estate investing. The best way to get the most out of your real estate investing education is to be familiar with some basic information ahead of time. No matter whether you are interested in short sales, bulk reo sales, virtual real estate or just enhancing your knowledge as a real estate investor, knowing some real estate investing basics will help you succeed. Review these three real estate investing basics that even some experts don&#8217;t yet know:</p>
<p> <strong>1. Real estate investing education always yields positive.</strong> Every good real estate deal represents thousands of dollars in potential wealth. Getting the wealth is the key to your success. When you know about real estate your odds of success increase with each real estate deal. A small investment in education has the ability to yield big results when it is implemented.</p>
<p> <strong>2. You can succeed in real estate investing regardless of the state of the economy.</strong> Many people are under the misconception that success is possible in real estate only when the economy is good. In reality, poor economies are great for real estate investors. You frequently can get properties at deep discounts. Additionally, you may find deals that would not exist in a booming economy. Real estate investing may also turn the tide for a poor economy. When the economy is not thriving, short sales, bulk reo sales and virtual real estate can all thrive. You can save yourself from financial difficulty along with others by knowing how to do these deals.</p>
<p> <strong>3. You do not need to have a great deal of money if you want to be a successful real estate investor.</strong> You can make a success of real estate investing no matter how much or little money you have. There are lots of deals that you can use other people&#8217;s money to do. If you are a good investment private lenders may let you use their money. The best way to look like a solid investment is to have an in-depth knowledge of real estate investing. This will help you show private lenders that you are a good investment if they do not know about real estate investing themselves.</p>
<p> Real estate investing is a great way to create a good amount of wealth. You can create income regardless of the economy. You can create success for yourself using knowledge of real estate investing, short sales, bulk reo sales and virtual real estate. Knowing the basics of real estate investing will help you succeed as a real estate investor. Knowing some real estate investing basics (beyond what older gurus like Robert Allen teach) and applying them will help you succeed as a real estate investor.</p>
<p>Great <a target="_blank" href="http://realestate.bryanellis.com/">real estate investing</a> resources are available at RealEstate.BryanEllis.com.</p>
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		<title>Real Estate Investing Strategy Guide</title>
		<link>http://twoaveragejoes.com/blog/we-sell-houses-modesto/real-estate-investing-strategy-guide-10/</link>
		<comments>http://twoaveragejoes.com/blog/we-sell-houses-modesto/real-estate-investing-strategy-guide-10/#comments</comments>
		<pubDate>Mon, 05 Apr 2010 18:34:53 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[We Sell Houses Modesto]]></category>
		<category><![CDATA[Active Real Estate]]></category>
		<category><![CDATA[Betters]]></category>
		<category><![CDATA[Booming Economy]]></category>
		<category><![CDATA[Estate Portfolios]]></category>
		<category><![CDATA[Financial Difficulty]]></category>
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		<category><![CDATA[Investing Concepts]]></category>
		<category><![CDATA[Investing In Real Estate]]></category>
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		<category><![CDATA[Misconception]]></category>
		<category><![CDATA[Odds]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[Real Estate Investor]]></category>
		<category><![CDATA[Real estate investors]]></category>
		<category><![CDATA[Reo Sales]]></category>
		<category><![CDATA[Retirement Plans]]></category>
		<category><![CDATA[Strategy Guide]]></category>
		<category><![CDATA[Successful Real Estate]]></category>
		<category><![CDATA[Thousands Of Dollars]]></category>
		<category><![CDATA[Virtual Real Estate]]></category>

		<guid isPermaLink="false">http://twoaveragejoes.com/blog/1108/real-estate-investing-strategy-guide-10/</guid>
		<description><![CDATA[A number of things likely come to mind when you think of virtual real estate investing. If you are already familiar with real estate investing you may think of short sales, bulk reo investing and virtual real estate investing or you may think of it in terms of real estate portfolios and real estate retirement [...]]]></description>
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<p>A number of things likely come to mind when you think of <a target="_blank" href="http://www.virtualrealestateinvesting.com/">virtual real estate investing</a>. If you are already familiar with real estate investing you may think of short sales, bulk reo investing and virtual real estate investing or you may think of it in terms of real estate portfolios and real estate retirement plans or even <a target="_blank" href="http://www.reliable-hard-money-lenders.com/">hard money lenders</a>. Likely you also wonder how these things will factor into your life as a real estate investor in the current economy.</p>
<p> You will need to know a lot about real estate investing. The best way to optimize your real estate investing education is to know the basics ahead of time. Short sales, bulk reo sales, virtual real estate and general real estate investor abilities all are improved by knowing some basics of real estate investing. Here are three main real estate investing concepts that many experts do not even know:</p>
<p> <strong>1. You always will get a positive result from investing in real estate investing education.</strong> You can create thousands of dollars in potential wealth with each real estate deal. Knowing how to get that wealth is the key to success. Knowing more about real estate betters your odds of success when you do a real estate deal. Small investments in education yield big results upon implementation.</p>
<p> <strong>2. You can succeed in real estate investing regardless of the state of the economy.</strong> Many people are under the misconception that success is possible in real estate only when the economy is good. In fact a bad economy is not a bad economy for real estate investors. You can often buy properties at deep discounts. Also, you might find deals that simply could not exist in a booming economy. Poor economies can turn based on active real estate investing. Short sales, bulk reo sales and virtual real estate all thrive when the economy is less than thriving. You can save yourself from financial difficulty along with others by knowing how to do these deals.</p>
<p> <strong>3. You do not need a lot of money to be a successful real estate investor.</strong> You can be a success in real estate investing no matter how much money you have on your own. There are lots of deals that you can use other people&#8217;s money to do. Private lenders will lend you their money if they think you are a good investment. The best way to be a good investment is to know as much as possible about real estate investing. Then you will represent a good investment to other people who have money for real estate investing but do not know how to use it.</p>
<p> You can generate lots of wealth by real estate investing. You can create an income in any economy. Using a knowledge base of real estate investing, short sales, bulk reo sales and virtual real estate you will be able to make success for yourself. Knowing the basics of real estate investing will help you succeed as a real estate investor. Knowing some real estate investing basics (beyond what older gurus like Robert Allen teach) and applying them will help you succeed as a real estate investor.</p>
<p>Great <a target="_blank" href="http://realestate.bryanellis.com/">real estate investing</a> resources are available at RealEstate.BryanEllis.com.</p>
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		<title>All About Bulk REO Investments</title>
		<link>http://twoaveragejoes.com/blog/we-sell-houses-modesto/all-about-bulk-reo-investments/</link>
		<comments>http://twoaveragejoes.com/blog/we-sell-houses-modesto/all-about-bulk-reo-investments/#comments</comments>
		<pubDate>Mon, 22 Mar 2010 11:53:13 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[We Sell Houses Modesto]]></category>
		<category><![CDATA[Barage]]></category>
		<category><![CDATA[bulk reo]]></category>
		<category><![CDATA[bulk reo investing]]></category>
		<category><![CDATA[Buscemi]]></category>
		<category><![CDATA[buyer mandate]]></category>
		<category><![CDATA[Capital Partners]]></category>
		<category><![CDATA[Commercial Lenders]]></category>
		<category><![CDATA[Conventional Sources]]></category>
		<category><![CDATA[Foreclosure Proceedings]]></category>
		<category><![CDATA[Hard Money Lenders]]></category>
		<category><![CDATA[Hedge Fund]]></category>
		<category><![CDATA[Hedge Funds]]></category>
		<category><![CDATA[Individual Properties]]></category>
		<category><![CDATA[Local Real Estate]]></category>
		<category><![CDATA[Opportunistic Real Estate]]></category>
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		<category><![CDATA[Public Auction]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Real estate investors]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[reo packages]]></category>
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		<category><![CDATA[seller mandate]]></category>
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		<guid isPermaLink="false">http://twoaveragejoes.com/blog/1067/all-about-bulk-reo-investments/</guid>
		<description><![CDATA[With more foreclosures now than ever before, America&#8217;s weak real estate market seems to set new dismal records each month. But challenge always gives rise to opportunity, and opportunistic real estate investors are rising to the challenge. That opportunity is called Bulk REO Investing, and the opportunity is huge. Foreclosures are at the heart of [...]]]></description>
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<p>With more foreclosures now than ever before, America&#8217;s weak real estate market seems to set new dismal records each month. But challenge always gives rise to opportunity, and opportunistic real estate investors are rising to the challenge.</p>
<p></p>
<p>That opportunity is called <a target="_blank" href="http://www.bulkreo.net/">Bulk REO</a> Investing, and the opportunity is huge.</p>
<p></p>
<p>Foreclosures are at the heart of the Bulk REO business, so let&#8217;s consider the foreclosure process.</p>
<p></p>
<p>To understand investing in Bulk REO, you have to understand the foreclosure process.</p>
<p></p>
<p>As a home owner misses a payment or two, the lender sends the predictable barage of threatening letters and warnings. After a certain period, the lender will then formally begin foreclosure proceedings. Between the formal beginning of the foreclosure process and the public auction is the &#8216;preforeclosure&#8217; period.</p>
<p></p>
<p>Foreclosure is completed when the property is put up for auction. If the property is not purchased at auction, ownership reverts to the original lender. The designation of &#8216;REO&#8217; (Real Estate Owned) is then attached to the foreclosed property.</p>
<p></p>
<p>REO properties are usually listed for sale with local real estate agents. However, lenders are increasingly willing to take much less than their REO asset is actually worth. But the price of receiving such great pricing is the need to purchase multiple REO properties (a &#8216;package&#8217;) rather than individual properties.</p>
<p></p>
<p>The recession in the United States has yielded huge profits to real estate investors prepared to take advantage. REO packages are easiest to buy and sell with a well regarded source of financing in place. Some sources of funding for these transactions are: personal funds, hard money lenders, commercial lenders and non-conventional sources such as private investors and hedge funds. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is <a target="_blank" href="http://www.sal-buscemi-reviews.com/">Sal Buscemi</a> of Dandrew Capital Partners, a New-York based hedge fund.</p>
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		<title>Basics in Bulk REO Investing</title>
		<link>http://twoaveragejoes.com/blog/we-sell-houses-modesto/basics-in-bulk-reo-investing/</link>
		<comments>http://twoaveragejoes.com/blog/we-sell-houses-modesto/basics-in-bulk-reo-investing/#comments</comments>
		<pubDate>Sat, 20 Mar 2010 08:37:13 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[We Sell Houses Modesto]]></category>
		<category><![CDATA[American History]]></category>
		<category><![CDATA[bulk reo]]></category>
		<category><![CDATA[bulk reo investing]]></category>
		<category><![CDATA[Buscemi]]></category>
		<category><![CDATA[buyer mandate]]></category>
		<category><![CDATA[Commercial Financing]]></category>
		<category><![CDATA[Conventional Sources]]></category>
		<category><![CDATA[Defaulted Property]]></category>
		<category><![CDATA[Foreclosure Proceedings]]></category>
		<category><![CDATA[Hard Money]]></category>
		<category><![CDATA[Hedge Fund]]></category>
		<category><![CDATA[Hedge Funds]]></category>
		<category><![CDATA[Local Real Estate]]></category>
		<category><![CDATA[Lucrative Business]]></category>
		<category><![CDATA[Mortgage Payments]]></category>
		<category><![CDATA[Private Investors]]></category>
		<category><![CDATA[Real Estate Agents]]></category>
		<category><![CDATA[Real estate investors]]></category>
		<category><![CDATA[Real Estate Owned By The Lender]]></category>
		<category><![CDATA[reo packages]]></category>
		<category><![CDATA[Reo Properties]]></category>
		<category><![CDATA[Reo Property]]></category>
		<category><![CDATA[Retail Buyer]]></category>
		<category><![CDATA[seller mandate]]></category>
		<category><![CDATA[Sources Of Funding]]></category>

		<guid isPermaLink="false">http://twoaveragejoes.com/blog/1063/basics-in-bulk-reo-investing/</guid>
		<description><![CDATA[No generation in American history has ever experienced the number of foreclosures and defaulted mortgages as is happening now. Yet as always, this challenge has given rise to a huge new opportunity for alert real estate investors. The new opportunity is known as &#8216;Bulk REO Investing&#8217; or &#8216;REO Package Investing&#8217; and it&#8217;s a huge opportunity. [...]]]></description>
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<p>No generation in American history has ever experienced the number of foreclosures and defaulted mortgages as is happening now. Yet as always, this challenge has given rise to a huge new opportunity for alert <a target="_blank" href="http://realestate.bryanellis.com/">real estate investors</a>.</p>
<p></p>
<p>The new opportunity is known as &#8216;<a target="_blank" href="http://www.bulkreo.net/">Bulk REO</a> Investing&#8217; or &#8216;REO Package Investing&#8217; and it&#8217;s a huge opportunity.</p>
<p></p>
<p>Let&#8217;s take a moment to analyze the basics of this incredibly lucrative business.</p>
<p></p>
<p>To understand Bulk REO investing is to understand the foreclosure process.</p>
<p></p>
<p>A home owner who misses one or more mortgage payments is faced with an ever-increasing volume of threatening correspondence from their lender. Following a period of time determined by the lender, formal foreclosure proceedings begin. The name for this period is &#8216;preforeclosure&#8217;.</p>
<p></p>
<p>Foreclosure is completed when the defaulted property is auctioned. The lender regains ownership of the property if there are no buyers at auction. This property is then considered to be &#8216;Real Estate Owned&#8217; by the lender, also known as an &#8216;REO&#8217; property.</p>
<p></p>
<p>Typically, lenders list their REO properties with local real estate agents in hopes of selling the property to a retail buyer who will pay full price. But more and more, lenders are selling their REO properties for a greatly reduced price. However, the purchase of a &#8216;package&#8217; (or group) or REO properties is the trade-off for receiving such great prices.</p>
<p></p>
<p>These REO packages represent the potential to acquire huge amounts of equity for savvy real estate investors. The most successful Bulk REO Investors will have a well-respected source of funding for their transactions. There are many sources of funding for these transasactions including: hard money and commercial financing, as well as non conventional sources such as hedge funds and private investors. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is <a target="_blank" href="http://www.sal-buscemi-reviews.com/">Sal Buscemi</a> of Dandrew Partners, a hedge fund in New York.</p>
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		<title>Real Estate Investing Strategy Guide</title>
		<link>http://twoaveragejoes.com/blog/we-sell-houses-modesto/real-estate-investing-strategy-guide-7/</link>
		<comments>http://twoaveragejoes.com/blog/we-sell-houses-modesto/real-estate-investing-strategy-guide-7/#comments</comments>
		<pubDate>Sat, 20 Mar 2010 08:37:10 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[We Sell Houses Modesto]]></category>
		<category><![CDATA[Economic Situation]]></category>
		<category><![CDATA[Estate Portfolios]]></category>
		<category><![CDATA[Estate Success]]></category>
		<category><![CDATA[Financial Difficulties]]></category>
		<category><![CDATA[Hard Money Lenders]]></category>
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		<category><![CDATA[Investing Education]]></category>
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		<category><![CDATA[Lots Of Money]]></category>
		<category><![CDATA[Poor Economy]]></category>
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		<category><![CDATA[Real estate investors]]></category>
		<category><![CDATA[Reo Sales]]></category>
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		<category><![CDATA[Strategy Guide]]></category>
		<category><![CDATA[Thousands Of Dollars]]></category>
		<category><![CDATA[Virtual Real Estate]]></category>

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		<description><![CDATA[Virtual real estate investing probably makes you think of a number of things. If you are already familiar with real estate investing you may think of short sales, bulk reo investing and virtual real estate investing or you may think of it in terms of real estate portfolios and real estate retirement plans or even [...]]]></description>
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<p><a target="_blank" href="http://www.virtualrealestateinvesting.com/">Virtual real estate investing</a> probably makes you think of a number of things. If you are already familiar with real estate investing you may think of short sales, bulk reo investing and virtual real estate investing or you may think of it in terms of real estate portfolios and real estate retirement plans or even <a target="_blank" href="http://www.reliable-hard-money-lenders.com/">hard money lenders</a>. Likely you also wonder how these things will factor into your life as a real estate investor in the current economy.</p>
<p> You can learn a lot about real estate investing. Getting the most out of real estate investing education involves being familiar with basic RE info. Whether you are interested in short sales, bulk reo sales, virtual real estate or just improving your abilities as a real estate investor, you need to know some real estate investing basics in order to succeed. Here are three real estate investing basics that even some experts do not really know:</p>
<p> <strong>1. You always will get a positive result from investing in real estate investing education.</strong> Each real estate deal can represent thousands of dollars in potential wealth. Getting the wealth is the key to your success. Learning about real estate increases your chances of success when you do a real estate deal. Small investments in education yield big results upon implementation.</p>
<p> <strong>2. You have the ability to succeed in real estate investing in any economy.</strong> Lots of people believe that real estate success is only possible in a booming economy. In reality, a bad economic situation is not bad for real estate investors. Likely you will be able to find properties at deep discounts. You might also find deals that simply would not exist in a booming economy. Real estate investing may also turn the tide for a poor economy. Short sales, bulk reo sales and virtual real estate all thrive when the economy is less than thriving. Knowing how to do these deals can create wealth for you and save others from major financial difficulties.</p>
<p> <strong>3. You will not need lots of money to be a successful real estate investor.</strong> You can make real estate investing a success regardless of how much money you have. There are many deals that will let you use other people&#8217;s money to do them. If you look like a good investment a private lender may let you use their money. A good investment will know as much as they can about real estate investing. This will help you show people that you are a good investment if they have the money to help you with real estate investing but they do not know how to use it.</p>
<p> Real estate investing is a good way to generate a great deal of wealth. You can create a good income no matter what the state of the economy. Using a knowledge base of real estate investing, short sales, bulk reo sales and virtual real estate you will be able to make success for yourself. Knowing the basics of real estate investing will help you succeed as a real estate investor. Knowing some real estate investing basics (beyond what older gurus like Robert Allen teach) and applying them will help you succeed as a real estate investor.</p>
<p>Great <a target="_blank" href="http://realestate.bryanellis.com/">real estate investing</a> resources are available at RealEstate.BryanEllis.com.</p>
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		<title>5 House Flippings Dos Part 1</title>
		<link>http://twoaveragejoes.com/blog/rehab/5-house-flippings-dos-part-1/</link>
		<comments>http://twoaveragejoes.com/blog/rehab/5-house-flippings-dos-part-1/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 13:30:42 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[How do I buy]]></category>
		<category><![CDATA[Rehab]]></category>
		<category><![CDATA[We Sell Houses Modesto]]></category>
		<category><![CDATA[Caption]]></category>
		<category><![CDATA[Creative Commons License]]></category>
		<category><![CDATA[Dos]]></category>
		<category><![CDATA[Dreams]]></category>
		<category><![CDATA[Entire Project]]></category>
		<category><![CDATA[Flipping Houses]]></category>
		<category><![CDATA[Grasp]]></category>
		<category><![CDATA[Improvements]]></category>
		<category><![CDATA[License Photo]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Neighborhood]]></category>
		<category><![CDATA[Pen And Paper]]></category>
		<category><![CDATA[Photo Credit]]></category>
		<category><![CDATA[Profits]]></category>
		<category><![CDATA[Real Estate Investment]]></category>
		<category><![CDATA[Realistic Budget]]></category>
		<category><![CDATA[Renovations]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Sake]]></category>
		<category><![CDATA[Worthy Investment]]></category>

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		<description><![CDATA[While many people have very specific dreams of enjoying the bountiful profits that can be made from flipping houses very few people put too terribly much thought into the process or any formulas that might be pertinent to success when it comes to flipping houses as a real estate investment venture or for the sake [...]]]></description>
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<p>While many people have very specific dreams of enjoying the bountiful profits that can be made from flipping houses very few people put too terribly much thought into the process or any formulas that might be pertinent to success when it comes to flipping houses as a real estate investment venture or for the sake of building a nice comfortable lifestyle or retirement. You will hear a lot about the things not to do when it comes to flipping houses but very few people take the time to mention the things you absolutely must do in order to successfully flip a house and thus begin your ride on the road to real estate investment riches.</p>
<ol>
<li>Do put everything to pen and paper and plan it out carefully before you begin. If you are going to enter into this to make money you need to treat it like a business. This means you need to have a plan of action and make every effort to work towards carrying out that plan.</li>
<li>Do establish a budget for the entire project. You need to have a plan for how much money you are willing to invest in the property itself, how much for renovations, and how much money you need to make in order to be a worthy investment for your time and labor. A house flip is a lot of work in order to pull it off successfully. You want to have a good idea of how much homes in the neighborhood are worth, the value of your property as is and the estimated value of the property once improvements are made. In addition you should also have a pretty firm grasp of the costs involved in making the repairs in order to create a realistic budget for the entire project.</li>
</ol>
<p>Part 2 Tomorrow</p>
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		<title>Establishing Criteria for Tenants Selection Part 2</title>
		<link>http://twoaveragejoes.com/blog/financing-options/establishing-criteria-for-tenants-selection-part-2/</link>
		<comments>http://twoaveragejoes.com/blog/financing-options/establishing-criteria-for-tenants-selection-part-2/#comments</comments>
		<pubDate>Fri, 18 Sep 2009 13:17:45 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
				<category><![CDATA[Financing Options]]></category>
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		<guid isPermaLink="false">http://twoaveragejoes.com/blog/?p=698</guid>
		<description><![CDATA[The conclusion of yesterday&#8217;s post: For example, it is common to require that the applicant provide identification that is verifiable. You may require the applicant to present a photo ID with their application so that you can make a copy of it. This type of requirement is valid because you may need it in the [...]]]></description>
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<p>The conclusion of yesterday&#8217;s post:</p>
<p>For example, it is common to require that the applicant provide identification that is verifiable. You may require the applicant to present a photo ID with their application so that you can make a copy of it. This type of requirement is valid because you may need it in the future in the event you need to describe adult occupants of the unit. If someone co-signs the application, it is also a good idea to obtain identification for them as well.</p>
<p>It is also quite valid to require information which would help you to determine that the applicant has a sufficient income to rent ratio. If the applicant were applying for a loan to purchase a home, the lender would require similar information. The general rule of thumb is to identify applicants that have a gross monthly income that is three times the amount of the rent. One way to document this information is by requesting copies of the applicant&#8217;s pay stubs along with their application. If the applicant is self-employed, you might ask them to provide their last tax return in addition to three months of bank statements. If you cannot verify the applicant&#8217;s income, this would be a perfectly legitimate reason to deny their application as you have no assurance that they would be able to pay their rent.</p>
<p>Many property managers and landlords also check credit ratings and scores on applicants as well. The purpose of this is to verify the financial responsibility of the applicant. The general guideline is to obtain a credit report on all applicants as well as any co-signers who are over the age of 18. Keep in mind that you will need to receive permission to run a credit report; however, you can request this information on the rental application. Applicants with low credit scores could be legitimately denied on the basis on being unable to prove financial responsibility.</p>
<p>In addition, you should check references. Typically, you should ask all applicants to provide the names and telephone numbers of individuals who can verify the applicantís income sources as well as character references.</p>
<p>Finally, make sure you follow-up to check that the applicant has been able to successfully rent a dwelling in the past and paid their rent on time. In the event an applicant is unable to meet this requirement but does meet all other requirements you may consider requiring the applicant to have a co-signer.</p>
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		<title>How To Maximize Profits On A Flip Part 2</title>
		<link>http://twoaveragejoes.com/blog/real-estate-marketing/how-to-maximize-profits-on-a-flip-part-2/</link>
		<comments>http://twoaveragejoes.com/blog/real-estate-marketing/how-to-maximize-profits-on-a-flip-part-2/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 12:58:21 +0000</pubDate>
		<dc:creator>Mike from California</dc:creator>
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		<category><![CDATA[Profits]]></category>
		<category><![CDATA[Tastes]]></category>

		<guid isPermaLink="false">http://twoaveragejoes.com/blog/?p=686</guid>
		<description><![CDATA[This is a continuation from yesterday&#8217;s post: Remember that this is a business situation and don&#8217;t refuse to consider offers that will net you a profit just because the profit isn&#8217;t as good as you&#8217;d like. A house sitting empty on the market accrues carrying costs and is ripe for all manner of disasters. You [...]]]></description>
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<p><a title="Victorian House" href="http://www.flickr.com/photos/18702768@N04/3911319012/" target="_blank"><img class="alignleft" style="border: 0pt none; margin: 10px;" src="http://farm4.static.flickr.com/3469/3911319012_51a8cbb6ff_m.jpg" border="0" alt="Victorian House" width="240" height="180" /></a><br />
This is a continuation from yesterday&#8217;s post:</p>
<ol>
<li>Remember that this is a business situation and don&#8217;t refuse to consider offers that will net you a profit just because the profit isn&#8217;t as good as you&#8217;d like. A house sitting empty on the market accrues carrying costs and is ripe for all manner of disasters. You want to get in and out as quickly as possible so that you can free up your investment to move on to the next project. Entertain all offers seriously even if they aren&#8217;t what you were hoping for. You never know when one might be the best you&#8217;re going to get.  <small><a title="Attribution-ShareAlike License" href="http://creativecommons.org/licenses/by-sa/2.0/" target="_blank"><img src="../wp-content/plugins/photo-dropper/images/cc.png" border="0" alt="Creative Commons License" width="16" height="16" align="absmiddle" /></a> <a href="http://www.photodropper.com/photos/" target="_blank">photo</a> credit: <a title="roarofthefour" href="http://www.flickr.com/photos/18702768@N04/3911319012/" target="_blank">roarofthefour</a></small></li>
<li>Don&#8217;t take it personally. Once again a home is a very personal thing to most people. While you may have worked very hard selecting colors, materials, flooring, etc. not everyone is going to share your tastes. Do not alienate potential buyers by attaching personal emotions into the mix and getting angry because they do not appreciate your hard work. I hate to add this but it happens a lot more than you might think when flipping houses.</li>
<li>Spend as little money as possible while making bold changes. This is the best way to maximize your profits. You want the changes to be visible and effective. Don&#8217;t overlook the value of curb appeal you need to put serious effort into improving the exterior of the home as well as the interior because this is what people will see first and the change that will invite them to take a look at what you&#8217;ve done inside.</li>
</ol>
<p>Little changes make a big improvement in the value (especially the perceived value) of a home. Make the necessary changes and sell the house as quickly as possible in order to bring in the best possible profits.  By far the largest factor to consider and establish before you purchase the property is the exit strategy.  You want to have multiple strategies in todays environment.</p>
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