The U.S. Department of Housing and Urban Development is working to give people like you $8,000 fast cash toward a first-time home purchase.

The program is a key revision to a measure Congress created as part of the stimulus package. It gives first-time homebuyers an $8,000 tax credit, hoping to prompt wary buyers to commit to a purchase. The problem is, the credit comes at tax time, too late to help homebuyers close on an opportunity that may arise before then.

HUD’s plan would alter this, so first-time homebuyers can get the cash they need when they need it. Its goal is to make the money available when buyers close on their home loans.

Department officials are still working on the details. But should the program come through, it could give you the cash you need to buy now.

It’s not too early to start looking for a home where you could invest that money. The more prepared you are, the better deal you will likely secure if and when HUD approves the program. Here at Damelecia, we have a variety of properties to browse through. Sign up to receive free listings below.

It’s an investment strategy that has several variations, including the following:

• The market is full of properties that are nearing foreclosure. The owner is often willing to sell the home at a steep discount to avoid the mar on their credit a foreclosure would leave. You can negotiate a deal that is well below market value, and then sell it to another investor or retailer at a price that is still below the value, but earns you a cozy profit.

• Buying fixer-uppers — or handyman specials — affords the investor a great discount on the price of a home. You make the repairs and then sell it with the cost of the improvements plus a profit.

• You can buy homes from distressed homeowners who can’t keep up with their mortgage, then rent to the property owner with the option of them buying it back at a profit.

The market is rife with opportunities for wholesale transitions if you know the tricks. Damelecia has a roster of homes available to the wholesaler, so you don’t have to do the footwork. We will help you develop a network of investors, connect you to possible investments and coach you through the process.

Sign up below to get started.

Whether you fall in any of these groups, Damelecia can help you find a gem in a distressed property or a handyman special, especially with the variety of properties available in Southern Florida. Handyman specials are homes listed with a steep discount because they need repairs. Distressed properties are those in which the previous owner has fallen in arrears on their mortgage payment or property taxes.

With the rash of foreclosures across the state, there are a variety of distressed properties available for lower prices than the market has seen in years. Banks are seeking to close on deals fast. For an investor, the opportunities to capitalize are endless. For someone looking for a home, now is a great time to start your search.

Prices are even lower on fixer-uppers for buyers or investors who want to polish their purchase themselves. Some require new paint, while others need more extensive renovation. Either way, you can save tens of thousands of dollars by doing the repairs yourself instead of purchasing a finished home.

Southern Florida has a multitude of deals for the investor seeking to fix and flip a property. The value of a home goes up significantly after a renovation. Sometimes even a few repairs and landscaping can make the difference between a hefty profit and breaking even.

If you are looking to purchase a home for the long-term, a handyman special is a great option. The repairs need take only months to a year, while you will enjoy the results for years to come.

For those looking for a home for their family, fixer-uppers are a great way to save, especially for first-time home buyers looking to enter the market. Homes that need just a little TLC are often marked down more than it would cost to make the repairs. Taking on such projects will allow you to make the home your own. Dream homes don’t always have to come in perfect packages. You can turn a home into yours.

To start browsing the options Damelecia has gathered, register to join our buyers list.

There are a variety of handyman special real estate deals in Florida – waiting for you to pick up the paint brush. A handyman special is a home that sells at a lower price compared to other houses on the market because it is in need of repairs. A fixer-upper is a great option for both those looking to settle into a home as well as investors hoping to turn for profit.

The prices of such homes – some of which are below $50,000 – are obviously the first draw. But why go to all the trouble?

• Buy where you want, not where you can afford. Handyman specials are often found tucked in attractive neighborhoods where live-in ready homes are selling far beyond your price range. Buying a house that needs some tweaking allows you to break into the area you want to live or invest in, instead of compromising for a neighborhood that is further away from conveniences or shabbier than you envisioned.

• Maximize your profits. Buyers or investors who renovate with common sense and efficiency can turn the final polished home for a much steeper price than they bought it for. The potential for large profit margins on handyman specials is often tens of thousands of dollars more than on completed homes.

• Get an even better deal. Often sellers of handyman specials are eager to hand off the properties. They don’t have the time or money to invest in making the fixes themselves, so it is to their benefit to make the sale fast. Damelecia has used this as negotiating leverage when purchasing the homes we have on our roster, and we’re passing on the deals to you.

• Sellers are everywhere, buyers are scarce. In almost every neighborhood, there is a home in need of a facelift or a few touch ups. Their sellers aren’t waiting for the market to climb. They usually are poised ready to sell them to someone willing to take on the work. Not many are. That means there are less buyers competing for a number of options.

• Cater your home to your tastes. If you renovate a home, you pick the door knobs. You choose the appliances. You select the color of the walls. The finished home will contain your personal touch. There is a certain reward that comes with walking through a home newly renovated with elements that you hand-picked. You can take pride in knowing there are no other homes like it and few that contain all of the features you had hoped for. For investors, choosing a handyman special gives you the ability to pick and choose how to invest your money in improvements in order to get the best return during a resale.

Handyman specials often attract those with construction skills.  True, if you know how to wire a home or install cabinets, you could save on labor costs. But you don’t need to be a handyman to buy a handyman special. Even if you hire a contractor, they will often do the work for much less than you would have paid for a home in mint condition. Fixer-uppers are a good match for anyone who wants to live or invest outside cookie-cutter walls.

Many homes don’t need to be torn down to the framework. For those seeking a less-ambitious project, there are deals on homes that need just a few touch ups, such as new paint or doors.

The current market has generated an even greater variety of handyman special real estate deals in Florida. It’s up to you to start painting in the lines of your dream home or filling in the empty spaces between you and a profit. Damelecia can help you find one that matches your goals. Fill out the form below for a free no-obligation listing.

Damelecia offers assistance to home owners in completing a short sale when they need to sell their house to avoid foreclosure and they are struggling to sell the property because they owe more that the property is worth or they have more than one mortgage, liens or the property needs a lot of repairs. Damelecia is willing to work with you no matter what your situation is.

A short sale is when the lender is willing to discount a mortgage on a property that is being foreclosure on, because the property may be upside down and the homeowner is running out of options to come current on their mortgage payments. Damelecia will work with the homeowner and lender to close quickly on the property, in an effort to help the homeowner avoid foreclosure or having to file bankruptcy and further destroy their credit score.

We understand that this process can be hard for you and is devoted to do everything in our power to help alleviate the stress and added expense. Therefore we do all the paper work and negotiation for you and there is NEVER a fee or any cost to you.

We believe everyone has the right to know all their options before making any decision, please read below to find out what works best for you.

Options to avoiding foreclosure

Short Sale – Damelecia will work with you and the lender, where your lender agrees to sell your property to Damelecia, while allowing you to avoid the foreclosure process. Whatever information you share with us will be kept confidential.

Repayment Plan – In this situation the lender will allow you to come current on your loan, meaning that all  late payments are pay in full, in the effect to avoiding foreclosure on your property.

Reinstatement – Lender will give you the ability to make a satisfactory lump sum payment on your loan, this will allow you to come current on your loan and avoid a foreclosure on your home.

Pre-foreclosure Sale – Lender allows you to sell the property if you meet some criteria, if you are about two months behind on your mortgage payment, property will be sold in the 3 to 5 months and the new mortgage holder meets HUD price requirements.

Forbearance – Short-term delay in paying your mortgage, which the lender will give you the ability to pay your loan update with proof that you have access to cash in a agreeable timeline.

Loan Modification – Adjustment to your current loan term, by lowering your current interest rate making the payments much lower per month on the loan.

Deed-in-Lieu of foreclosure – Bank allows you to turn-in your property back to them, avoiding a foreclosure on your credit file although you will still have bad credit because of all the late payments, having a foreclosure on your credit file can make it difficult to ever buy a home again. 

If a short sale is right for your situation, Damelecia would like to assist you. Contact us today!

Click the link below for a FREE consultation.

http://www.damelecia.com/sell-your-house-fast/foreclosure

One of the most important things to establishing business credit is knowing where to start and how to start the process, with Business Credit Services we were assigned our own personal coach who walked us through all the steps making us knowledgeable about all the processes.

With BCS we were able to secure several lines of credit for our business without using our personal credit to guarantee the loans. Within the first six months of our coaching with Business Credit Services were able to secure credit from nine different vendors with as much as $5000 per vendor totaling over $40,000 all without checking our personal credit.

 Here is how a business owner start out establishing business credit with the help of Business Credit Services, first they complete a credit ready report that covers your business creditworthiness and advise on any steps you as a business owner needs to make to achieve compliance in the credit process. The research on your business comes from the same databases that many lenders use to determine creditworthiness.

Then your business is assigned a coach that explains the credit ready report to you in more detail. Some of the next steps may be things like registering with better business bureaus, local directory listing, registering with the credit agencies that include Dun & Bradstreet, Experian business and Equifax business. 

After your business as achieve presences with the bureaus which could take up to 4 weeks. Business credit services will start sending you vendor’s application every week which is divided in teirs

Teir 1 lenders, which are tropical trade credits business to business credit that usually are reporting to Dun & Bradstreet quarterly or monthly, this is a great start for your business, because theses lenders don’t usual require any personal or business credit checks .

Teir 2 lenders usually require a business credit check before giving credit, because of larger credits and long terms agreement.

Teir 3 is bank financing this where your business can apply for unsecured line of credit; usually these lenders require personal guarantees and business credit check.

Teir 4 is investors that include private investors, venture capitalists and angel investors. Usually these investors want financial statements and strategies on your business. Once your business starts Teir 3 and Teir 4 you will need a written business plan. Business credit services assist your business through the entire process of writing the right business plan.

Click below for FREE Business Credit E-Book + 2 additional E-Books

http://www.damelecia.com/contact-us/resources

At Damelecia we focus on the benefits of business ownership and entrepreneurism. In our group you will learn all about how to setup a business and what it takes to be successful in real estate. While real estate is our business, we also have a successful marketing side of our business. This allows us to have constant cash flow to fund real estate deals. This combination of income is important since, most business failure is due to the lack of cash flow.

In real estate there are a lot of reasons why you need learn about the benefits of entities such as LCC, FLP, S-CORP, and C-CORP ect. The entity you choose should be based on your business vision and strategies you will be employing. Always use competent CPA and attorneys that understand your objectives.

Asset protection is the key to running any successful business especially when it comes to real estate investing. You don’t want to have all of your real estate assets and personal property taken away from you because of a lawsuit.

At Damelecia we open our doors to people like you to come and learn about all the strategies in real estate. Some of the topics that we believe is very important in the world of real estate to cover are understanding mortgages, negotiating on real estate deals, creative financing, managing property managers, tax strategies and much more. Real estate entrepreneur are creating wealth every day because the knowledge they are learning from our group.

To learn more about becoming a real estate entrepreneur and being your own boss, please see the link below.

http://www.damelecia.com/entrepreneurs

The “gurus” sells education in the forms of books, CDs, seminars and booth camps. They then send you on your way saying, “take action”, but how can you take action when they did not give you enough to act on. That’s like giving a brand new medical student a few books and a couple CDs on how to be a brain surgeon and then expect them to perform a successful brain surgery. Scary isn’t it?

We all know that would not be practical and the same applies for real estate investors. The recipe to true success at anything in life is education, hands on training, strong support, a good mentor and a community to lean on. I personally know that real estate is not just about reading a few books or listening to some CDs.

 Prior to finding this real estate community that am now a proud member, I too bought the guru education, $23,000 worth be exact.  I never closed a real estate deal from this investment. I was promised coaching, but can your coach be someone who is reading scripted responses from a book?  No, real estate cannot be taught in just theory.

Education, networking, partnership and constant mentoring and support are the foundation of our community and that’s what really set us apart from the “gurus”. We believe that working together and sharing knowledge in a real estate community not only provide us with greater opportunities to create future real estate partners and more successful ventures, but  it gives us the satisfaction of helping others, we live to “pay it forward”.

The government can’t fix the slowdown in the real estate market by themselves. Well if they can it will take and awful long time. They need real estate investors like you and I and all our real estate community members plus some to assist them with this enormous problem.

 Being a part of our real estate community not only gives you the opportunity to empower yourself, it gives you the ability to help others change their lives because you made the conscious choice to change your life first. It all begins with burning desire and a simple decision.  Start by saying: I desire to, I intend to and I choose to!

If you are  new to the game of real estate investing, don’t strike out by “jumping in” with just what you read from a few books and CDs you got at a guru workshop. Surround yourself with a community of investor’s right here in your backward.  Where all our seasoned investors are willing to mentor you and split real estate deals with you while you are getting educated.

With our real estate community you learn much more than an average real estate group. When investing into real estate there is a right way and a wrong way. Learn the right way, for example you should always setup an entity to hold your real estate property, both for legal reasons such as lawsuits and its tax benefits.

 We have weekly meeting on Thursdays where our community come together to share their experience and best practices. There is also marketing side of our business, where members are getting the opportunity to earn while they learn about real estate. Learn how to earn an extra $10K-20K per month, working part-time while learning how to be a successful real estate investor.  As my mentor said, “you have no business buying properties if you don’t have cash flow coming in each month, what if…?”

 Come see what we are made of!

To learn more about our real estate community.

http://www.damelecia.com/contact-us

 We as a company believe that everyone needs a chance to start over if they are losing their home to foreclosure. Damelecia works with you and the lender to find ways of making a decision so that everyone wins. Because, of the high rate of pre-foreclosures and foreclosed properties flooding the markets every day, lenders are overwhelmed and are more willing to work very hard in finding a solution to avoid foreclosures.

They have no choice, since they are in the business of lending money not the business of real estate. For every foreclosure or bad loan on the bank’s book the bank have to hold 7 to 10 times that loan amount in deposits. This is money the bank can’t lend, which in turn cost the bank a lot more in the long run. So you can see why banks are just as desperate as homeowners to avoid foreclosure.

Avoiding foreclosure is one of the solutions damelecia offers every day people like you, saving you from ruining your credit. We help to facilitate the feeling of relief knowing that you can buy a home again in the future, despite the obstacles you are now facing. Times are very hard in the economy. Individuals are losing their jobs and it doesn’t help that lenders are not willing to lend without a strong credit score and income showing that you are able to repay your debts.

At Damelecia we want you to know all the options that you have to avoid foreclosure. Here are some of the options to avoiding foreclosure.  http://www.damelecia.com/sell-your-house-fast

Short Sale – Damelecia will work with you and the lender, where your lender agrees to sell your property to Damelecia, while allowing you to avoid the foreclosure process. http://www.damelecia.com/sell-your-house-fast

Repayment Plan – In this situation the lender will allow you to come current on your loan, meaning that all  late payments are pay in full, in the effect to avoiding foreclosure on your property.

Reinstatement – Lender will give you the ability to make a satisfactory lump sum payment on your loan, this will allow you to come current on your loan and avoid a foreclosure on your home.

Pre-foreclosure Sale – Lender allows you to sell the property if you meet some criteria, if you are about two months behind on your mortgage payment, property will be sold in the 3 to 5 months and the new mortgage holder meets HUD price requirements.

Forbearance – Short-term delay in paying your mortgage, which the lender will give you the ability to pay your loan update with proof that you have access to cash in a agreeable timeline.

Loan Modification – Adjustment to your current loan term, by lowering your current interest rate making the payments much lower per month on the loan.

Deed-in-Lieu of foreclosure – Bank allows you to turn-in your property back to them, avoiding a foreclosure on your credit file although you will still have bad credit because of all the late payments, having a foreclosure on your credit file can make it difficult to ever buy a home again. 

Which solution works best for you?  Remember we are here to help! For more information about avoiding foreclosure, click the link below to see if Damelecia can assist in you finding a workable solution.

http://www.damelecia.com/sell-your-house-fast

Real estate is not what makes you wealthy; instead it’s what you know about real estate investment that makes you successful and wealthy. Unfortunately, uneducated “want to be” investors contribute the large number of foreclosure cases we now see. Real estate investments has risks, however education and great mentoring goes a long way to minimize those risks.

We often have free real estate workshops in south Florida. The next event is September 26^th and 27^th 2008.  It will be two full days of real estate education covering different strategies that applies today’s real estate market, some of the topics include; short sale, wholesale, self directing IRA and rehabbing properties.

Wealth is currently changing hands, because of the downturn in the real estate value and the huge amount of foreclosure properties entering the market. Why not aid the direction that shift of wealth to your hands? Start by education yourself. Our free real estate workshop offers you that beginning and our community offers the ongoing support. There is a great opportunity to buy investment properties or even your first residential home.

There are a lot of “guru” real estate educational companies out there which accounts for about $500 million dollars spent on education. At our free real estate workshop in Florida you will meet seasoned local real estate investors looking to mentor individuals like yourself.

At our free real estate workshop you will be taught by seasoned practitioners. The speaker will not be a “hired gun” rather a successful investor who is not only profiting from the current market, but will give up-to-date examples of his/her own investing done right, and will also reveal to you the unique approach in its entirety.

We promote a lot of networking at our free real estate workshops, because we believe in helping likeminded real estate investors to come together and to join a powerful real estate community where we work together to achieve a lot of success. If you join our community and you are new at investing in real estate, us as community members are willing to work on deals with you and spilt them 50/50.

If you join our real estate community we not only teach you about investing into real estate, but we teach you how to combine real estate and business together to achieve success. Growing real estate wealth over time can give you the opportunity to spend more time with your loved ones and achieve financial independence in securing your retirement. Retirement doesn’t have to be a specific age, having the money and resources can make you retire when you want.

This is a question I would like our reader to ask themselves, what was the value of your parents home about 30 years ago? I bet that the value of their residential home increase a lot over the 30 years. What if your parents had bought 20 homes 30 years ago? How would that have made their lives different today? What about their retirement?  What impact would have on your life?

Real estate is on sale at a deep discount across the United States. Why not come an attend one of our free two day real estate workshop and learn how to take advantage of the market, it just might change your life.

Pre-register for your free real estate ticket today!

Click the link below to register:

http://www.damelecia.com/entrepreneurs/workshops