Wow-what a whirlwind couple of days! Yesterday, May 7, 2009 we welcomed our third little girl ., Avery Lauren Cawley, into this world.  She is happy and healthy and we are so grateful shes made her debut into the family, finally! I wanted to share a pic of her with all of you , my REI Conferences clients! You guys are the best and are all a real inspiration to me. God has blessed me with a wonderful family, a wonderful business and wonderful clients, and I feel like the luckiest girl on the earth. Thanks for helping make our big day so special with all of the well wishes, flowers and kind words these past few weeks-I appreciate them all and thank you from the bottom of my heart! Mom and Baby are doing great and are looking forward to coming home!

Here are the first pics of little Avery! May she grow up to be a super successful investor:)

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Blessings,

Charrissa Cawley

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REOs are poison to financial institutions, restricting their ability to lend money on properties and help them to improve their financial situation.  Things have gotten so bad for many of these banks that – even though they’ve gotten a boatload of money from taxpayers – they need to raise cash fast to prevent their collapse.

This is great news for real estate investors who are poised to jump at the chance to snag these properties at fire sale prices.  If you’ve been sitting on the sidelines waiting for the perfect moment to jump in the game, the time to lace up your shoes has arrived!

Financial institutions need cash and they need it now.  Quiet discomfort over their situation has turned to sheer desperation as the government has gotten increasingly proactive in taking control of any institution they feel is too weak to stand on its own two feet.

Buying an REO property involves making the right moves at the right time.  Now is the time.  In order to avoid having to possibly fork over control of their institutions to the government, lenders are increasingly screaming, “Yes!” to offers they would have rejected with a sneer just a few weeks ago.

Don’t let your lack of knowledge stop you from positioning yourself to retire wealthy beyond your wildest dreams within the next five to seven years.  This is the time seasoned investors have been waiting for, so your time is now.  To learn all the insider tips, tricks, and cutting-edge strategies you need to secure your financial future today, point your browser to www.rewexclub.com and sign up for a $1 trial membership.  If you like it and want to continue for only $97 per month after your trial ends, that’s great.  If not, cancel with no hard feelings.

You can click your heels together all day long and get nowhere – or you can pony up the cost of a cheap dollar menu burger and change your life.  The choice is yours. Which will do more to help you survive long-term – a heart attack in sack or all the tools you need to build the future of your dreams? www.rewexclub.com

Blessings!

Charrissa Cawley

www.REIconferences.com     

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Hi there! Happy Easter! I hope you have had a blessed day!

My family and I have really enjoyed our time together in celebration

of Easter this afternoon! Here’s a pic of us enjoying a

beautiful day!

 I just remembered something I wanted to let you know about too:

There is this great new funding source I just stumbled upon and I wanted

to share it with youm as I know many of you are looking for funding

right now!

It is www.pertuitydirect.com

You should check it out-some great lending options!

Also, I just wanted to addreess this real quick.  I have been getting literally hundreds of requests to do another LIVE Coaching Series which I have not done in some time now, but Im opening one class and one class only as of tomorrow and registrations will start being accepted tomorrow morning at 9am CST! This is my 6 week personal group coaching program that has been closed for the past 6 months. I can accept only 6 students total out of my 85,000 client database, so if you want a spot in this exclusive “by application only” program that has not been open in months and won’t be open again anytime in the near future, Call Jaime after the program opens tomorrow at 9am CST at 888-250-6616 ext 705 for details.

I look forward to working together to help you achive your investing and money making goals in 2009!

Charrissa Cawley

www.REIconferences.com

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Real estate investors just getting started have one thing in common: Many times they have the raw knowledge it takes to get started, but they don’t know what series of steps to take today in order to build real, sustainable real estate wealth that will allow them to reach their dreams.

Every investor is different.  Some are conservative in nature and they prefer to take a series of baby steps that will eventually culminate in one or two profitable deals.  Others want to immediately dive into the deep end and fully immerse themselves in real estate investing so they can reach their goals much more quickly.

Regardless of which investor profile best describes you, one single solution can accomplish both goals.  Either way, you’ll reach the success you seek much more quickly, without having to endure the myriad mistakes, pitfalls, and sidetrips that the average investor typically makes on their road to success.

My real estate inner circle, at www.rewexclub.com provides that direct pathway to success.  Imagine being able to look over my shoulder and watch me put together winning deals so you know exactly what goes into profitable deals.  That’s just one of the many shortcuts to success my inner circle members have at their fingertips.

Successful real estate investing isn’t rocket science.  It is knowing what specific series of steps need to be taken – and in what order.  Once you know the steps, you can make them yourself, while you reap the financial rewards available in today’s real estate market.

So how much does this knowledge cost?  How’s $1 sound?  For a buck – the amount you’d expect to spend on something on McDonald’s value menu (or a share of AIG stock) – you can take a 30 day spin around the block.  30 days to put all the available investing tools, tips, and secrets to good use in your own investing life.  If you like it and want to continue, that’s great.  If not, that’s fine, too.

Either way, you owe it to yourself and your future success to see how you can shift your investing career into high gear today.  So head on over to www.rewexclub.com and join my inner circle of dedicated, success-minded investors and stake your claim to success today.

Blessings!

Charrissa Cawley

www.REIconferences.com  

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Did you hear?  Here is the scoop: This is hot off the presses, directly from Fannie Mae’s website. Apparently Fannie Mae has reconsidered the loan limit for investors.

Fannie Mae will allow investors to hold 5-10 mortgages and still get Fannie Mae backed loans. This apparently will start as of 3/1/2009.

The reserve and qualifying criteria for the 5-10 loan range will be more stringent, as well as the down payment requirements. This change still is a MAJOR improvement over 4 properties. This should make a real dent in the uptake of the excellent deals available in some markets by experienced investors.

Announcement 09-02, Updates to Multiple Mortgages to the Same Borrower Policy,
Reserve Requirements, Reserves Definition, and Form 3170.

1) full Doc

2) Min credit score 720

3) Max LTV 75% for SFR and 70% for MFR for rate and term

4) Max LTV min cash out ($2,000) 70%

5) 6 months PITI plus the current and 6 months reserves piti for all other properties

You can click here for all of the details:  http://www.reiconferences.com/files/fanniemaechanges.pdf

Borrowers are going to need great plus cash reserves to get these programs, but the bottom line is that 2009 is already looking better than 2008 for investors! Every little victory counts!

To Your Success,

Charrissa Cawley

www.REIconferences.com

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You and I seek the motivation to achieve our real estate investing dreams from a variety of sources. It might be the memory of a treasured teacher who made a profound difference in our lives — or it could be a life-changing event that happened years ago.

I was inspired and touched recently by a short video that demonstrated the importance of never giving up. In this challenging real estate investing market, it’s easy to walk away before even getting your feet wet, convinced that phenomenal wealth and rags to riches stories always happen to someone else, somewhere else, at another time.

Somewhere, there’s a single mom raising a couple of kids because her husband checked out of the marriage when the going got tough. There is also a grief stricken man somewhere trying to find the strength to go on without his wife who was snatched suddenly from his life in a tragic accident.

These people manage to find the strength to pick up the shattered pieces of their lives and start living again. Slowly, piece by broken piece, they somehow summon the strength to once again smile, plan for the future, and become more optimistic that their hopes and dreams will become reality — even if their plans were altered by conditions beyond their control.

You’re a real estate investor.

Compared to some of the challenges that millions of others have successfully overcome, figuring out how to come to terms with a motivated seller is inconsequential. To you, however, it’s important. At times like these it’s important that you remember your commitment to continue trying even in the face of adversity.

You’ll hear the word “no” a lot more than you’ll hear the word “yes” — especially when you’re first getting started as a real estate investor. If your hopes and dreams are derailed by verbal opposition to what you’re trying to do, what will you do when you’re faced with a physical challenge — or even a bruised relationship? If you turn tail and run every time things in your life go awry, all anyone will ever see of you is your backside.

To reach your dreams, you have to stop in your tracks, turn, and fight for what you want. While it won’t be handed to you on a silver platter, you can overcome any challenge you face.

If you can’t think of an inspiring reason to dig in your heels and keep trying to succeed as a real estate investor, then check out this short video I saw recently. It’s about a man who loves life, kids, and golf. He’s not a real estate investor, but he does demonstrate the importance of never giving up. You can watch it by following this link to www.wimp.com/trueheart and then tell me how many times you can handle hearing the word “no” before giving up on your real estate investing dreams and walking away empty handed.

I’m guessing there isn’t a number high enough…

Blessings!

Charrissa Cawley 

www.REIconferences.com

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Have you been sitting on the sidelines watching other investors play the real estate investing game?  How many good reasons do you need to convince you that now is a great time to get started?

I can give you 2 trillion reasons why NOW is the time for you to quit sitting and start investing.  That’s the amount of homeowner equity that has evaporated so far this year.  This lost equity has resulted in a lot of homeowners being upside down on their mortgages – and looking for a quick exit.

When you factor in an economic crisis of biblical proportions, rampant job losses, and thousands of businesses on the brink of extinction, you have a nation filled with motivated sellers.

It’s true that whenever a homeowner realizes they can’t afford to keep their home, it’s a tragedy.  An even greater tragedy is knowing that the very best you can hope for is a foreclosure and credit damage that’s going to follow you around like a lost puppy for the next seven years – or longer.

This is where a savvy investor can play the part of the hero in a massive homeowner rescue effort.  But what can you do?

You can stand by and do nothing – or you can roll up your sleeves and get to work.

If you’re not sure of what to do, you need to take the first step.  Learn winning strategies for buying some of these properties.  Help homeowners find solutions for their economic problems.  The government is spending money on massive bailouts for big businesses and other entities that are “too big to fail”.  Everyone else is left swinging in the wind.

Are you unsure of the first step – or confused about how to get started?  Don’t sit there and do nothing.  As the saying goes, let your fingers do the walking…to your computer mouse and head on over to www.REIConferences.com.  Let us help you take advantage of the chance to reach your potential as a self-sufficient real estate investing entrepreneur. 

Do it now!

Blessings!

Charrissa Cawley

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Are you currently investing in the Miami real estate market? If you are and you’re tempted to buy bargain property sight unseen, you might just get an added bonus that you’re not counting on: squatters. There’s an anti-poverty group down there running around matching homeless people with vacant houses. The group, which calls itself Take Back the Land, is apparently trying to find a good use for some of the city’s empty properties.

So far law enforcement officials seem to be turning the other cheek and ignoring what’s going on. Now, I don’t know what kinds of properties these are. It’s possible they might need substantial repairs and aren’t ready to be lived in. The point is they belong to the lenders and in some cases – the government.

But what happens if an investor comes along and gets what they think is the deal of the century?

Will they have to fight to get the squatters out so they can begin the renovation process?

I’ve got nothing against finding a place for the homeless to live. I’m as compassionate as the next person. But it brings up an interesting question about who ultimately pays the cost of evicting squatters from these properties – and who’s responsible for any damages to the houses. If the properties aren’t properly secured it might be relatively easy for this group to help homeless folks to get in off the street.

But most of these places are probably locked up tight.

Without a key, how are they getting in? Are they breaking in? Or are the houses surrendering to the “will of the people” and spontaneously unlocking themselves so they can be lived in? If you’re investing in Miami – or anywhere else this kind of activity might be taking place – beware. Don’t take the law into your own hands. Be sure to research local laws to make sure you abide by the letter and the spirit of the law in the event that you buy one of these properties and discover that you have a tenant you weren’t counting on.  You don’t want to have to fight for possession of YOUR property.

Blessings!

Charrissa Cawley

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Tomorrow is the day that millions of Americans pull the plug on chasing their dreams – and the almighty dollar – long enough to spend some time with loved ones, reflect on their lives and relationships, and give some thought to all they have to be thankful for.

So what are you thankful for?

Is it a loving spouse you swore you’d stick with through thick and thin, regardless of their flaws, until your dying day? Don’t just expect that they know you’re thankful for their love and support. Make a point to give your spouse a loving embrace and tell them what they mean to you.

Are you thankful for your children? Tell them how much you love, adore, and appreciate them. I believe children are a special blessing from God, and that if we just listen to them, we can better grasp the good that exists in humanity. Whether your children are 3 or 33, embrace them lovingly and express your feelings to them with words, deeds, and gestures. We too frequently get caught up in the moment and we forget what life would be like if they weren’t here to spread their light and their youthful zest for living.

Enjoy the moment – it truly is special.

If you’re mourning the loss of a dear family member or a close friend, weep if you must. But also take the time to be thankful. Be thankful for the life that was, the time you had, and the times you shared. Life is fragile and our time together fleeting, but by remembering the good times you had and expressing your Thanksgiving for the time you had together you can do your part to keep them alive in your heart and your mind.

Be thankful for America and the fact that – for all of her flaws and troubles – this is still the greatest country on the face of the earth.

Above all else, be Thankful tomorrow.

Let that thankfulness spread every day and never forget that there are others with so much less than what we’ve been blessed with.

When you take the time every day to be thankful for what you have, you really can turn the corner from looking at Thanksgiving as a holiday for eating turkey and taking a day off from work.

When you really let Thanksgiving infiltrate every corner of your life, you can take it to the next level.

Your day of Thanksgiving can give way to a life of ThanksLIVING.

Blessings!

Charrissa Cawley

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In my last blog post, I told you about how President Roosevelt basically kickstarted the economy to end the great depression by confiscating gold which devalued our currency, before revaluing gold much higher.  I’ve done a little more reading on this subject and I see this as a possibility – maybe one of the more risky ideas out there, but one that has some interesting side-effects. 

The G-20 nations will get together for another big meeting after President-elect Obama’s administration takes over.  They’re not supposed to meet until April, but I won’t be at all surprised if they don’t get together a little sooner than expected because there’s a massive mess to straighten out. 

I’m thinking more and more that this might be the hidden solution to a lot of the problems we have.  If this is indeed the solution they select, there are some risks and rewards that will come into play.  First, there’s a chance that it might not work.  The longer other ideas don’t work, the better the chances that they’ll try to pull a rabbit out of their hat and try something radical.  And, don’t forget that so far nothing else is working either! 

Then again, this strategy worked once before – on a global basis – so I think that lends credibility to the idea that it could work again. 

One big risk to devaluing currency and then revaluing it by a fixed percentage is that it could cause hyperinflation if they don’t do it right.  And that could be a very bad thing, especially for people that have cash.  Which leads me to a very good side-effect of this idea.

If they revalue gold upward that will revalue other assets upward by a comparable percentage.  Therefore, things like real estate would increase with the stroke of a Presidential pen.  So if you have a real estate investment with no equity before the adjustment is made, you could instantly have equity buildup of 40% or more. 

Will they do it?  And what could that mean to you and your family’s net worth? 

The property-buying spree real estate investors everywhere are on right now would probably come to a screeching halt.  But, the property you have could potentially be worth a whole lot more than it is now.   In this situation, you could literally become an overnight millionaire.  

Disclaimer:  I’m not a lawyer and I’m not an economist.  Before you do anything I suggest you do some research of your own and see what the risks and rewards are for yourself.  Make your own judgment about what you think makes sense – or get the opinion of an expert.  The bottom line here is that by doing your own homework you get to take all the credit for what you ultimately decide. 

Big changes are coming.   I don’t know what will be decided in the end, but these are exciting times as we rock and roll with every twist and turn this adventure we call real estate investing decides to take.  Doing nothing will get you nowhere fast, but staying on top of current events and making smart decisions could easily set you on course for your own golden parachute – without having to go crawling to the government and begging for a handout. 

Happy Investing! 

Charrissa Cawley    

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