Greetings!

Are You Tired of Late Night TV Pitches

and Empty Promises of

‘Free Event’ Real Estate

Get-Rich-Quick Gurus?”


Before we get to ALL the details in the newsletter, The first ACRE System Program for 2007, taught entirely by Canadian best-selling author Don R. Campbell, and special Canadian Real Estate quests, is coming up soon (Feb. 17th & 18th) and is right around the corner. The first one in BC in over 3 years is only one month away. We've decided to make this a very special event and are hosting it in a smaller more intimate setting at the Burnaby Metrotown Hilton. Make sure you register early, as this event will definitely sell out quickly due to the intimate room (huge rooms have sold out across Canada the last 8 years in a row.

For all of the details and a special $200 subscriber discount click on the following link to read all the details:

Click HERE

First of all, welcome to a brand new year of potential success, and this year is primed for some very special results in select markets this year. I trust you had a great start to 2007, and have made a commitment to take your life and financial results up to a new level this year. Thank you and welcome to the thousands of new subscribers to the Canadian Real Estate Insider Newsletter. Congratulations to the many of you who have used the information, downloaded the complimentary audios and tools directly to your computer and most importantly, implemented these strategies in your Real Estate investing business. REIN™ Members have now surpassed $1.65 Billion in Canadian real estate purchases, and hopefully you too will be taking action in 2007. This month's newsletter is packed with information, action steps and links to key research on the Canadian Real Estate Market. Make sure you read right to the end so you don't miss any details or key opportunities...

2) CIBC World Markets Chief Economist Benjamin Tal

In a recent REIN™ Workshop, exclusive to the members of the Real Estate Investment Network, Benjamin Tal, chief economist of CIBC world markets presented an indepth presentation outlining how the world economy effects our Canadian Real Estate and exactly what we can expect on interest rates in 2007. This is definitely a treat for every subscriber to this newsletter... you now have direct access to the audio recording of this special event (it will also give you a taste of the high quality of research that the 2,100 REIN™ Members receive every single month - it might be time for you to start your Membership call Sonya today to join a group of serious investors 1-888-824-7346.)

To hear the audio of this presentation go directly to this link to read and download the audio of this special presentation, click here:

3) Complimentary Gifts for Newsletter Subscribers

Thank you to the thousands of new subscribers to the Canadian Real Estate Insider Newsletter. This section will summarize many of the key features that you have access to as being part of this ‘inner circle’. Below are just ten of the many tools you have at your disposal.

*** Back issues of the Canadian Insider Newsletter… over21 back issues.
Click Here


*** Access to over 36 articles posted by Real Estate Experts… experts in their fields.
Click Here


*** Access to the following audio presentations from leading expert:

Carl Gomez (TD Economics)
Click Here



*** Audio presentation from Don Campbell talking about Current Real Estate Economic Fundamentals
Click Here


*** If you registered your book “Real Estate Investing in Canada” you received 4 free gifts including 2 audio presentations.
Click Here


*** If you registered your book “97 Tips For Canadian Real Estate Investors” you received an additional 4 gifts and over 4 hours of audio presentations
Click Here


*** Property Analysis Template

*** Sophisticated Investor Bank Application Template

*** Legal “Tales From the Trenches”

*** Real Estate Success Stories

PLUS Many, Many More Tools Directly At Your Finger Tips…

4) "97 Tips For Canadian Real Estate Investors"

If you have not yet picked up your copy of "www.amazon.ca/97realestatetips", currently Amazon.ca is offering a special deal for you... As with our first book, One hundred percent of the authors' royalties will be donated towards Habitat for Humanity... so thank you in advance for your support of Habitat for Humanity.


See www.amazon.ca/97realestatetips for more details (If you order 3 or more copies from Amazon, you can take advantage of their free shipping offer).


*** TIP #25 ***


Compile a Sophisticated Investor Binder.

When it comes to securing a mortgage, presentation matters.


This chapter walked you through some key tips on mortgages and financing. You’re now ready to look at the Number One reason sophisticated investors get their deals done – and get their deals done faster. The rules have changed for 2007, so this tip is even more important than ever. If you have ever been turned down for an investment mortgage or you currently own 2 or more properties, it is critical in 2007 to to follow Tip #25 as follows:


Sophisticated investors know lenders need high-quality information to make decisions about mortgage financing. They know bankers and mortgage brokers must look at everything from a potential client’s credit history to the financial background of joint venture partners.


They also know lenders are busy people who must prioritize their workloads. In sum, anything you do to make their jobs easier will make your deal more palatable. Make it easy for them to say YES, and the Sophisticated Investor Binder is the best way to do that.. That’s right. Anything you can do to make their jobs easier will make your deal go faster. The Sophisticated Investment Binder will make that happen!



*** KEY INSIGHT ***
The Golden Rule of Real Estate. He who has the gold makes all the rules. In this case the banks have the gold, so learn to play within their rules!



What to you need to do?

1. Buy a one-inch binder.

Get a one-inch white binder with a clear overlay that lets you slide in a title page and spine.


2. Create a cover letter.

This is a business letter personally addressed to your lender. That letter must include: a)What’s in the binder - All of the information the reader needs to know you are a sophisticated investor waiting for a positive response to this particular application. b). A reference to working with this lender in the future. c) The date you expect to hear back from him. (And do make it reasonable. A too-short deadline is another reason to reject your request!) d) An invitation for the reader to call you immediately regarding any questions.


3. Show proof of income in 2007 you now will need 2 times the proof you used to provide.

If you are an employee, get a letter of employment on company letterhead. It should state your employer's contact info, your salary and any bonuses. If possible, have your employer personalize it with comments about your character and, if relevant, how long you’ve been at the company and where you’re likely to go. Make sure the letter includes a reference name the lender can call. This letter can be up to 90 days old but the more recent, the better. If you are self-employed, you must provide documentation of your income. The Canada Revenue Agency provides a Notice of Assessment after you file your taxes. Include copies for the last two or three years. At ACRE System we discuss in detail, with one of Canada's leading mortgage experts, How to get Financial institutions to say YES, even if you are self-employed.


4. Be complete.

Sophisticated investors speed up the mortgage application process (and build goodwill) by giving a lender what he needs, when and where he needs it. That’s why a sophisticated investor never waits for a lender to ask for information needed on the mortgage application. Complete a generic mortgage application form. Provide them with the information you know they are going to need long before you are asked for it. (SIN, postal code, employer’s address, etc.)

Make it look like you’ve done this all a hundred times before (even if it is your first time). Remember this is a business and the banker is basing their decision not just on the numbers but on their perception of you. Be Prepared! If you use the bank’s own form, you save your banker from having to re-input the data. Do not write “see attached information” when completing the application. If it’s information they need, make it handy.


*** RED FLAG ***
If a banker transfers the information to his own form, read all of the fine print before you sign it. Once you sign an application, you authorize a credit search. Other applications may include hidden clauses with other implications. Learn to make sure you get what you want.


5. Include a cash-flow summary.

A detailed cash-flow summary includes all your sources of income (large and small) shows the lender you are organized and can make monthly payments. Summarize income from other revenue properties as “net real estate income.” Make sure these numbers support information from employers or Canada Revenue Agency.


6. Get a copy of your own credit bureau report.

Every time you sign a mortgage application, you authorize the bank to check your credit bureau. But that report may contain inaccurate information, check it first. By securing one for the bank, you get to check its accuracy before your banker sees it.In most cases the bank will pull their own credit bureau on you, but by providing one in advance you have shown them that you are looking after the key details. A great place to start would be http://www.creditalert.ca


7. Include a net worth statement.

This one takes time to compile, but it’s critical. The statement must be current and list all of your assets (including RRSP’s) and liabilities (all loans and credit card balances). If you’re not sure what a net worth statement looks like, review the details in the book Real Estate Investing in Canada (www.amazon.ca/realestate ). To simplify future updates, use a basic Excel spreadsheet or a financial management program like Quicken.


*** RED FLAG ***
Make sure the money you’re using as a down payment is listed on the net worth statement. Always sign and date your net worth statement, it makes it more official for them. If someone is gifting you money to buy property, make sure your binder includes a letter signed and dated by the giver. It needs to state the amount, the date you received the money and the fact the gift is completely non-repayable.


8. Add a real estate asset statement.

This statement shows all the details of the property you own, including mortgages. It is especially critical when you own multiple properties and want the banker to apply the 110 percent rule, versus a total debt ratio. This statement should clearly outline the equity that is in each property along with the cash flow they create.

Make sure the totals match those in your net worth statement. Include maturity dates of each mortgage. This shows your lender you may be a source of future business.


*** RED FLAG ***
This statement may be more difficult to explain to a lender who’s not familiar with real estate investment (which is another argument to keep shopping until you find a sophisticated mortgage broker for your team!).


9. Make 3 copies.

When the first binder is done, make two more copies – immediately! This gives you one for your banker and two as backups. One of the backups is ready in case another deal comes along. The other is a master copy you’ll update as needed.



*** KEY INSIGHT ***
The Sophisticated Investment Binder takes time to put together. But all of the information it carries is relevant to every deal you make with a lender. In other words, you can present the information at the beginning of the mortgage application process – or scramble to find specific pieces under the tight time constraints of a pending deal it's much better to be prepared in advance. More importantly, a Sophisticated Investment Binder gives novice and experienced investors a distinct advantage. It shows a level of professionalism not always evident in the investment business.


Do the work in advance rather than scrambling later and looking like every other investor.


To hear more details on how to present yourself better than anyone else to potential bankers you will have the opportunity to hear from a professional Real Estate Investor and one of Canada's leading mortgage brokers at the upcoming ACRE System program in BC, they will spend all the time required to walk you through the secrets and strategies for getting your deals financed in 2007. We've witnessed others teaching outdated mortgage strategies, which is leading investors astray. The rules have changed, come and discover the truth. For more details and to register for the upcoming ACRE System program go to this link directly:

Click HERE

"Final Thoughts"

Now is a wonderful time to let a little caution and calmness into your Real Estate life. The market is very hot in Western Canada and the so-called "Guru's" are telling many different stories. It's time to discover the truth, detailed in the economics and fundamentals that drive the market up and down. It's time to discover what 15 years of research has uncovered. Unbiased fundamentals will make you wealthy, biased 'stories' will get you into bad situations. Please don't get swept up in the market frenzy. If you are investing in a fundamentally strong region and completing your due diligence, then it is a good time to invest. We'll be revealing the top regions to buy 9not because we have real estate to sell (we don't!) but because the long term fundamentals reveal they are the best places to invest.


If you are feeling pressured, take a step back, focus on what is real and you'll become a much more successful investor. Helping you take the hype and misinformation out of Real Estate Investing is why we started the ACRE System program 15 years ago. And Graduates of this program have purchased over $1.6 Billion of calm, low risk Real Estate using the simple strategies you'll learn. Canadian Specific, by Canadians, for Canadians. Looking forward to seeing you in February, and watch for next month's newsletter!

We'd love to hear what you think of this issue!

Please send your comments, questions, and ideas for upcoming issues to us at:

info@reincanada.com

Your feedback matters to us!

Keep your eyes peeled for key, fundamentally strong Real Estate deals, and no matter who you are dealing with always do your complete due diligence. Hope to see you at the next REIN™ Workshop in Toronto, Ottawa, Vancouver, Calgary & Edmonton. If you are not yet a Member of Canada's most successful by far, and longest running Real Estate Program (15th Year), now would be a great time. Call Sonya or Carolynn at the REIN™ Office today at 1-888-824-7346 for all the details. Or if you prefer, go to

Click HERE


to see all the benefits that REIN™ provides you across this amazing country of ours!

It's your time to take advantage of this Real Estate Market...

Don R. Campbell and The REIN™ Team



"Turning Real Estate Dreams Into Realities... One Investor At A Time!"

Copyright 1996-2007 by Real Estate Investment Network. All rights reserved.


P.S... Over the coming months, you are going to hear even more talk about a 'Bubble' and you will hear the masses saying "I will start investing in Real Estate once the market has a correction" ... well, in many fundamentally strong regions in Canada you will be waiting a VERY long time for that 'correction' to occur. In the meantime, know the facts so you don't let this year's opportunities slide through your finger tips? Quick reminder that ACRE System in BC is right around the corner. For a $200 discount click on the following link to read all the details:

Click HERE


P.P.S... As real estate investors, we are known targets. That is why there are lots of so called "real estate gurus" flying into Canada right now and over the next few months... you'll see the marketing everywhere. It happens every time there is a boom - just be aware and do your homework and focus on what is real, not fabricated. Unbiased fundamentals are critical.


P.P.P.S... Remember to go to the research links listed above, including the very special Benjamin Tal audio presentation... helping you make sense of a very hot market.

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Forward this to anyone you know who would like an unbiased look at what's really happening in the Canadian Real Estate Market.

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info@reincanada.com