Testimonials

Minh,

Although I have not completed my first deal yet, I like to comment that your support is superb and I know we’ll land one soon. I know it’s just a matter of time until we do. I would like to go thru a deal or two with you from start to finish to feel comfortable about investing in real estate.

Thanks for being there although I have not completed my first deal yet. And thanks for keeping in touch with me so often.

T. G.

Dear Minh,

Your companies have been the best fit for me to develop my real estate investing business and deals. I have and continue to recommend your services. Your excellent support and a great wealth of REI knowledge make something tough like investing so simple and easy. Thanks a bunch!!!

P. W.

Dear Minh,

I wanted to thank you for all helping me with my mission to reach my financial goals. I know that before I can even come close better for myself and my family, I have to acquire certain success principals and knowledge which you can help and provide. I am certain that with your help and support that I am on my way to the life of success I always dreamt of.

Easany P.

Minh,

I’ll keep this short. Thanks for teaching me the ins and outs of the ‘Subject To’ strategy. That really helped me land my first deal. I am also happy to learn about marketing to get callers calling me to buy their house, acquisitions of rentals, management of tenants in a rent to own, and of course sell a property from start to finish using a variety of creative REI techniques. Ant the most important thing is I didn’t learn this in some week long boot camp or Real Estate (Sale you lots of products) conference but on the streets of my local target marketplace. The experience I acquired taught me a lot and I am still learning!

I also want to warn those who are starting out that this business IS NOT EASY BUT IT IS SIMPLE, but it’s definitely worth it if you have the determination and proper planning, knowledge, action and support.

Thanks so much for helping me get started in the right direction without making a ton of mistakes on my own.

D. K.

Minh,

Thanks for getting your tech staff to help me install and operate Turnkey Software!

I installed the program late last night. In my initial test, it seems to have fixed most everything I was having trouble with. I will have more time later today to play with it.

I appreciate you helping me out..

BTW, thank you very much for having me to your event last night. I had an absolute blast, and I was able to meet some folks that I believe can be instrumental in getting me started in the right direction with my business (and vice versa).

You're a great host. The whole evening was very well done.

Go Skins.

Andy

Dear Minh,

Thanks for the recognition and encouragement you provided me at the last event. That Guarantee Profits Clock is sitting right at my desk and I look at that clock everyday when I work. I will never forget my first deal and the help you provided to help me get it.

I remember you talking to me late one night because I had a ton of questions and I was soooooooo scared about everything. It’s great to have a mentor be there to quickly answer so many of my questions. I can’t tell you how much the personal touch and the wealth of knowledge available to me was the big difference in giving me the confidence and tools to complete my first deal.

I’m on my way to financial independence and it’s all thanks to your dedication. I will never forget and I won’t with the GP clock in my face every day.

B. B.

Minh,

Thanks for returning my call about the Richmond deal in a timely manner. We were able to close on it and was quite profitable on that deal thanks to you. I couldn’t done it without your help and the one-on-one attention you provided me. Although it was a ‘roller coaster’ ride through out this first deal, we made it!!!

Thanks a bunch and see you at the next Cashflow Lounge!

W. S.

Dear Minh Pham and Associates,

First, I wanted to personally thank you for your prompt response and unstoppable diligence in resolving a distressed Homeowner’s situation. As you may already know, facing foreclosure is a horrible, life-draining experience that I wouldn’t wish upon my worst enemy. What's more, the impact of new laws and industry regulations has further limited the options of Homeowners have when facing foreclosure.

With only five (5) days until the Auctioneer’s Trustee’s Foreclosure Sale, you and your organization stepped-up with a fast, diligent, and professional solution at a phenomenal rate to help save this family from a financial nightmare. As you know, I service many Homeowners facing foreclosure action in Maryland and Washington, DC. My Foreclosure Consulting Clients rely on me and my staff for solutions that could provide them a “fresh start” and avoid the possible foreclosure.

I am taking time from my busy schedule to share with you how grateful I am for you helping the Graham family. The Graham’s were so pleased to know that you were able to set their minds at ease with your straight-forward plan, compassion, and understanding. You are a man of integrity and I would trust you to help any of my clients, any day.

I also wanted to let you know what the family said about working with you and your organization. Mrs. Graham said “Thank you so much. You all were wonderful, friendly, and helpful. Everyone helped ease our conscience, walking us through everything.” With this said, it is obvious that you and your associates have satisfied my clients’ needs. For that, we all are thankful and humbly grateful.

Thank you for being a Real Estate Investor with integrity and who can be counted on. Every week, I encounter someone that has either dealt with or been solicited by a “scam artist” who tried to steal their home. It is comforting to me and my staff, that I know that I can depend on a trustworthy, warmhearted person like you to come through for my clients.

It gives me great pleasure to recommend and use your organization for future situations when I am working with homeowners facing foreclosure. These homeowners, many times need to sell their home before the auction in compliance with SB761 to save their sanity, credit, and financial well-being. The Real Estate Industry needs more people like you and S.M.A.R.T. Foreclosure Consultants like me to help when searching for solutions to their stressful pre-foreclosure situation.

Again, thank you for providing a “real” solution, fast. Please feel free to share my appreciation with others because I am sure they need someone they can trust. Lastly, if you need to contact me call (301) 899-7658 or (800) 757-8623, anytime. You can also email me at foreclosuresolutions@gmail.com too. Have a wonderful day.

Best Regards,
Al Barber
S.M.A.R.T. Foreclosure Consultant

Dear Minh,

My hand goes out to you for answering my emails (althought I know you are very busy) about the website and documents on the site. I thought you are only knowledgeable about deals but you proved to me that you know ‘all your stuff’ including all your documents/agreements. The things you couldn’t answer your staff is right there to provide support on. Great organization!

E. R.

Minh,

Your program is priceless and I would highly recommend those interested in investing to invest in your seminar, products and of course mentorship. Even after years since I joined you, you even remember my birthday to send me a card along with all the major holidays! I’m impressed! I’m also more impressed with you shooting deals and referrals my way.

Way cool!

M. S.

Dear Minh,

I had to send you a short note to compliment you on the professionalism, the service and the thoroughness you exhibited on the sale of the property here in pa.

I`ve had other mentors that failed miserably. It is good to deal with a mentor who actually keeps his commitment.

Regards
Mark Gavigan

Dear Minh,

When I first met you at a local meeting, I thought that your program was ‘too good to be true.’ But after doing my due diligence and studying your entire program. I really LOVE your philosophy on investing. You emotional support was a big plus too because I felt that you overshadowed many other local and national mentors in that department. (smile!) And most of all, thanks for your integrity and kindness, I believe that money and success is just a by-product of all the super things you are doing. With your efforts in creating Walking on Water lets me know that you are compassionate and charitable.

J. W.

Dear Minh,

I was pleased the way things have turned out by joining Guarantee Profits because I got paid on my first deal with you. I had confidence because you walked me through the entire process from start finish. Without you, I don’t know where I would have made those big costly mistakes. You provided a great ‘sound’ board for me to run questions and ‘anxiety’ thru when I need you the most and when I thought the deal was going to fall flat on my face. Thanks bro and thanks for refunding my money on the first deal as you promised.

D. C.

Minh,

Thanks for providing that awesome manual! The content is very comprehensive and that was worth the trip early in the morning to attend your seminar all day. What a deal!

J. S.

Minh,

Thanks for the attention and support level you gave me in completing my first deal! Just like I expected it when I first joined your program about 4 months ago. I compared you to other mentors and you are excellent! I am glad I decided to go with you. Keep in touch and let’s do another deal or two until I get totally comfortable to go out on my own.

Sincerely,
G. T.

Minh,

I wanted to send you this long-overdue acknowledgement for your help to me in launching my real estate investing business. I did a lot of research before picking your program. One of the main things that drew me to you was my sense that you were a straight shooter with great integrity. Working with you during the mentorship quickly confirmed my initial impressions. Your level of compassion and integrity, along with your high sense of personal ethics, is unfortunately rare in our world today.

With your help I was able to navigate those initial stressful steps through my first deals. I was pleased to find that you were very responsive and supportive to me. No matter where you were I could count on hearing back from you—or getting a call from you—very, very quickly. I recall one time you took my call while you and your wife were at the airport waiting to board a plane for a well-deserved vacation in Europe. Now that’s service!

As an unexpected bonus I have found that your willingness to help continued after the mentorship program was concluded. You have never hesitated to answer a question for me or provide me a referral when asked. I’ve now completed about seven deals and am currently working 10 more. I just closed on a three-unit property in Florida to launch a new investing business there this year. And, I’m just getting ramped up!

I would wholeheartedly endorse your mentorship program and you. Thank you very much for your past and continued assistance.

John Stanard
Stanard Investment Group, LLC
Falls Church, VA

Minh,

I just want to write a quick note to comment on the updates to your website. The navigation is easy and information is ready available for my deals. I even was able to used your site to access a document I forgot to bring to settlement with the seller. I used the realtor’s computer to access the agreement and put this beautiful technology to work.

Keep up the great work Minh!

Sincerely,
L. F.

Dear Minh,

Besides the content and the events you provide, your generosity shines thru as you give of yourself in time and resources. I am very close to sealing my first real estate deal. Even though I have not completed my first deal and I am grateful that you check on my progress (marketing) periodically by offering tips, suggestions, and motivation on completing a deal. It is wonderful how you are using real estate to change lives via education and giving, I am so happy that I did not hesitate to join your mentorship.

Thanks again.
D. S.

Minh,

I like to thank you for the one-on-one attention I received in your mentorship program. I was enrolled in a coaching program through a company out of Utah. The coaching program was also one-on-one. The coaching out West provided good information, but because I wasn’t talking to customers I was left feeling it wasn’t the right kind of coaching. I had been made aware of these lessons through the Utah training but I didn’t learn the “how-to” from them. I feel I’m getting the information on how to do what the other training company only talked about in the broadest sense thru Guarantee Profits. With Guarantee Profits mentorship I know I’m getting the exact information I need when talking to a customer or prospect. I especially like the regular teleconferences which is perfect because it supports broader issues and keeps me current with the real estate market and tools / resources I need to succeed. The Cash Flow Lounge that you hold is really great! It is a great opportunity to network with other students and I get to ask questions face-to-face with you and enjoy the delicious food you provide! It’s always at a first class restaurant and of course this compliments your coaching program. I want to let you know that I absolutely will recommend your services to other investors I meet at the local real estate investing meetings.

C. L.

Dear Phamtastic Properties,

Thank you for your gallant efforts in pushing the Franklin deal through. I know that it wasn't easy. I really appreciate your determination and persistence.

D. T.

Hi Minh,

Me again! I thought I give you feedback with your program. I am learning to ask for endorsements and giving them first only makes sense.

Last week I was experiencing a major FEAR storm regarding my current situation. It lasted about a day and a half, and what was GREAT about it was:

1. It only lasted 1 ½ days!
2. It didn't frustrate or upset me
3. I didn't disrupt the PEACE in my home or with my family or friends because of it
4. I didn't ignore it nor did it overcome me, I simply passed through it
5. I didn't focus on it - I processed it - occasionally, as I could - when I could - I was in charge of my Fear Storm - it wasn't taking over me or my life. That alone was HUGE!
6. As I accepted and processed with help, both from my reflection on your coaching and answers showed up.
   1. What I needed to learn and do to "shift" my circumstances became clear and even comfortable to recognize. [I wasn't resisting answers]
   2. The "teacher's" appeared, both in my mind of reflection (You) and the things you taught me.

Thank you, for taking the time and the interest in me to share your wonderful talent. I want you to know that I not only appreciate it, but that I am doing something with it! I am changing my life for the better as a result of your coaching regarding "acceptance." You helped me to "see" and to "feel" and to "experience" acceptance on a level and plane I hadn't realized before and it is making such a difference for me! I'm so very grateful.

If there is anything that you can see that I may need to learn or am ready for - please do let me know. You are so much present in my mind right now. I may not know what to ask you for specifically as yet, but I know I need your support and coaching. Thank you so much.

With warm Regards!
Lauri D. H.

Minh –

Since we last spoke, I have had great success in changing the way I look at life. I have been training myself each day to change how I look at things, and I can honestly say, it is working! Thanks so much for opening my eyes and helping me see such need for change! I understand that this is going to be an ongoing process, and I have had a few days of relapse since my new positive outlook has been adopted. But I am truly committed to this and I know I will master the skill of positive thinking!

I also have taken a hard look at my priorities and my day-to-day activities. While I was spending as much time as I could find to start up my business, I still felt that I was too diluted and needed to make more of a commitment. I have realized that in order for my business to succeed, I need to devote all of my available resources to it and truly believe in it. I have recently decided to put my classes on hold and also obtain a small business loan to help me finance my marketing efforts and operational costs. This was a huge decision for me and I think it shows just how serious and committed I am to making my business successful. I cannot leave my day job (yet) but will have freed myself up from all other commitments to work solely on my business.

What I believe I need from you as my mentor is to have a thorough review/critique of my business plan and some coaching with marketing, finance and technique. I have a few questions in this areas and your expertise is needed.

I have a short-term goal of completing my first deal before May 31, 2006 and I need to ensure I have all of my ducks in a row to accomplish this. Reaching this goal will be the single most beneficial thing for my confidence in my business and my own abilities.

Thanks for everything Minh – you are a great!

Kerry

Hi Minh -

Hope things are going well with you. Just wanted to let you know that I've put your suggestions in use from the conference call last week. Since then I have started business relationships with 4 people that have brought me 6 leads, and are actively looking out for me. So I really, really have to thank you for the advice. Like my grandmom used to say....it was right on time!

Pablo Simmonds

Hi Minh,

As I said in the beginning, I decided to join your mentorship program primarily because you did not try sell your program to me during our first conversation. Instead, you listened patiently and attentively to my over-enthusiastic burst of verbal energy re: my readiness to get moving toward making my goal of becoming a REI a reality. And, in your final analysis, you simply said that when I am ready for the journey, you could assist me. After our conversation, I continued to attend various REI meetings and seminars and listened to various speakers sharing how they could help the new as well as seasoned investor realize their goals, but, in the end, I decided to go with your program; although, believe it or not, it was a little more costly than some. I made this decision primarily because after reading your information and personally speaking with you, I decided that the program you were offering would provide a more comprehensive study of creative REI strategies, etc.

Secondly, but just as or more important than my first point, was the fact that I was able to speak with YOU personally. And, the cherry on the sundae was that I simply gave your assistant a call and told her that I would be available at 8:00 p.m., and I would appreciate it if you would give me a call, and VIOLA! you did at 8 p.m. exactly. That was very important to me because it demonstrated that you were indeed responsive, although, you're not currently living in this area, and it also demonstrated that you valued my desire to learn, and you understood the importance of striking while the iron is hot!! Based on my initial assessment of real estate investing, striking while the iron is hot, helping the REI newbie to cross over the hurdles of doubts that can prevent forward movement is the primary key to success. I thank you, again, for this responsiveness because, at the time, I had great desire, but little direction.

And, finally, as I mentioned above, being able to speak with you personally was an extremely impressive factor for me. As I researched choosing a mentor to work with, I almost chose another mentor simply because that person was local and I felt that factor alone would enable more hands on training etc. Well, to my surprise, when I inquired about talking to mentor before I signed up for the program, I was told that the mentor was too busy to speak with prospective mentees personally, but I would have access via teleseminars. Well, with that I thought, even though this person is local, I will not have as much access to hands on mentoring as I will with Minh, who has already taken the time to call me.

All of these factors solidified my decision to join your program, and I'm still thrilled that I joined your program. I've found it to be extremely thorough for the beginner, starting from outlining the critical steps to building your business infrastructure to present an image of professionalism and customer service orientation. I've also been impressed with your approach to mentoring which promotes the importance of developing a strong mental, emotional, physical and spiritual awareness for these are the critical factors that will ultimately lead one to success!

You've also provided a plethora of contacts to enable me to build a solid and knowlegeable dream team. I've been fortunate to work with one of these contacts very closely, Tom Pham, your brother, who designed and made my Tailored Investment Properties, LLC a reality on the web. As I've told you both he's done a wonderful job, and I must also send a big KUDOS! to him for his responsiveness, patience and willingness to work with me, listen to my ideas, and turn those ideas into a PHAMTASTIC product!

As I've continued learn and work through the beginning stages of my real estate investing, your responsiveness and attention has not wavered. Whenever, I need to talk to you, I simply send a quick note or leave message, and I'm confident that I will receive a call from you in less than 24 hours, or whatever time that I request. This has been important to me because, in the beginning, I was concerned about whether you would be there when I needed your guidance, and you've totally dispelled those concerns with your actions over the past couple of months. You're always there whenever I feel the need to seek information and guidance.

I'm still extremely pleased with my decision to go with your mentorship program because it's providing a great foundation for me to launch my REI endeavors. I've developed a much greater level of comfort now because you've provided a plethora of information, if I need a contract, I have it. If I need marketing materials, I have them. If I need a contact for anything, from marketing, accounting, taxes, to real estate agents, I have it all. You've constructed a very thorough and well thought out program for the beginning investor that far exceeds the offerings of many other programs which appear, based on my assessment, to deliver parts of the puzzle, but they do not provide a complete picture. The complete picture is what I needed and that's what I have with your program.

As you know, I've chosen my farm area and am in the process of farming it. I've sent out my first postcard mailing and I'm looking forward to closing on a deal soon. Because of all the information that you've provided, in addition to my continued research, I've decided to begin with a two-prong approach which I am sure will lead to success. I would not have had the understanding or confidence to develop this strategy had it not been for your program's holistic focus enabling me to begin visualizing the big picture.

Thanks again for everything to this point, and I'm looking forward to continuing my learning through your program!

Karen Goodwin

Dear Prospective Investor,

I began my real estate investment career in 2002, shortly after graduating with a Masters in Finance from George Washington University.

A friend gave me a copy of Rich Dad, Poor Dad by Robert Kiyosaki and I was off to live the American dream of financial independence. As most of us know, the Kiyosaki books offer lots of great ideas but no “nuts and bolts” information. So I joined three Real Estate Investment Associations in the D.C. area and decided to work with Minh Pham, Washington D.C.’s lease option ‘king.’

Not only did I complete a lease option deal, I also completed several other deals including short sales and wholesaling.

Cheree Warrick

Hi Minh,

I have a few topics in this e-mail. I hope you don't mind this is a little long.

I really enjoyed the teleconference with you on Tuesday. All of your topics are very good and informative. The Referral Marketing topic was timely for me because I've been thinking over a different strategy to find leads and referrals is one of the areas where I need more information. All of what you said makes perfect sense. I've heard most of the techniques before but with you putting it together (packaging) as you did, it put the right emphasis on each topic that had been scattered in my mind.

Today I was talking to a colleague at work who knows I'm into real estate investment. The conversation went in that direction when he asked how I'm doing. Because of your teleconference, I asked him if he knows anyone that needs to sell their house? He said, well, yes. He has a friend that is moving back to Europe to be with her mother. Her house has been listed (somewhere in VA) for a few months and no one is buying. She needs to sell it soon so she can move to Europe. The next thing I did, because of your teleconference tips, instead of just giving him my card, I asked him to tell her about me and to see if it is okay for him to give me her phone number (the personal referral). He said yes and that he was going to e-mail her right away. I don't know yet if this will turn into a deal but I took a different approach because of your teleconference and I'm steps closer to deals!

Carol Lane

Dear Minh,

I cannot thank you enough for the few short months of mentoring we have had, and it only makes me more excited for the future. I knew that I could not succeed without a mentor in this business and I am so thankful that I found you. I greatly appreciate everything you have done for me, especially your integrity and patience. I would highly recommend your course to anyone that wants to be an ultra-successful investor and thank you for helping me along the path to happiness (and my millions).

-Jason Hanson

I have been working with Minh Pham over a year. He is very accountable, and honest with integrity. He is a spiritual leader, visionary and welled. The most important thing about him is that he is very generous and dedicated. He spends time with his students and has a solution for every problem.

He is a ham, optimistic, very positive, and never complains about any problem.

Cyrus K. Dinavari

I am currently a full time wife and mother of a 2 y.o., and I work about 20 hours per week every evening at a local hospital. When I'm not performing my "domestic responsibilities" or working at night, or having Bible studies in my home, or hauling my kid and I off to the gym, I am diligently preparing and sending marketing materials and making connections in the investing arena, thanks to all of Minh's great connections!

Guarantee Profits networking events have proven every time without fail, to be the most productive, proactive way to stay motivated when you're a newbie like me! Investing success is all over the place, with people just like me!!

Struggles: Hmmm, do I have to share these? OK. Minh has already bailed me out of two deals I made (prior to meeting him and signing up for his mentor program). Smaller profits were made, but my husband and I survived a very rough start. Because of Minh's guidance then and his anticipated guidance in the future, I can honestly say I won't be in this type of pickle ever again! We were able to sell these two properties that would probably STILL be on the market if it weren't for Minh's savvy incentive suggestions....

With all this said, Guarantee Profits has only BEGUN to change my life for the better at this point! Much of the work is up to us, but it's nice to know we always have someone like Minh to bounce things off of....

Thanks Minh "The Emperor", for never giving up on your students! "Yeah Baby"!!

Rebecca Blas

I actually saw Minh speak twice at two different events a couple of months apart before I decided that his program and the mentoring was something I was interested in. I had some previous training and has some idea what I was doing and wasn’t sure I needed to get involved with another program. I had read some books and attended a couple of boot camps and learned some things. I thought it was going to be enough to get me going. At least I thought I knew what I was doing. It took me a little bit of time to determine that I needed someone to help me. To help me with getting past the hurdles that we put up in front of ourselves, like fear. Fear of talking to other people, or saying the wrong thing, or getting in over my head and not knowing what to do next.

Just so you know where I am coming from. I have been looking for about 8 years for a way to transform my dead end job, just barely making it existence into something better. It has taken me a long time to go through a bunch of other ideas before I came to the conclusion that I was going to do real estate investing. Now I had done one real estate rehab deal before, long long time ago. I did not have a mentor for that one and my partner and I ended up losing about $500 a piece on that deal. So I did have a little bit of experience before this point in time. I learned from that experience that you pay for your education some way….either with experience or with cash to have someone show you how to cut your learning curve down to an acceptable time frame.

I’ve been in Minhs mentoring program for about 4 ½ months now and I feel that I’ve made giant leaps in my education. I had a bit of difficulty getting my first deal going but I think it was a really good learning experience. I had to work through some of that fear of talking to people and then following through with the ones that sounded like they could actually be deals. I had a couple of things look good and then fall apart for one reason or another. Minh was there for me every time, guiding me with questions that I needed answered and suggestions on how to handle the next step. We have now closed and gotten paid on my first deal. I found a deal from an ad in the paper which was a bank owned property, negotiated with the agent, got the contract and then wholesaled the deal to another investor. Not a lot of money but for the amount of work I did it was great. Very good experience also. We are in the middle of our second deal which will be much more profitable and an equally enlightening learning experience. This deal was much more complex with the seller basically giving us the house (yes, they actually do that) just to get out from under the debt. There was a few wrinkles to take care of but overall the deal is sweet. Through the whole experience and every twist of the paper work Minh has been there to guide me in the right direction. And he continues to be there every time I call. Minh comes across as being very laid back and calm about anything I ever come to him with, which is good for me because I tend to be the opposite, sometimes too excitable and always wanting things done right now.

In conclusion I would like to tell you that if you are considering joining Minh Pham mentoring program you can rest assured that you will be dealing with someone who is honest, upfront, ethical, straight thinking, reassuring, calming, inspiring, spiritually sound and will help you in any way he can. Thank you for your time and I wish you great success in your future.

Kim Hicks
Odenton MD

Dear Sherman,

I'd like to ask you to consider my story for the Viper Contest ... and here's why. After last year's National Real Estate Investors' Conference, I increased my income Four Fold! I've done $230,000 in deals since the first day of last year's Conference! And my wife and I were BOTH able to quit our jobs!

Below, is My Rich Dad, Poor Dad story.

My Poor Dad always told me to do the hard work first, and then do the easy stuff. Well, that only got me so far. In every job or business I've had, I've worked my butt off, but had very little to show for it. The speakers at last year's Conference told me, "Do the smart work first, and pay someone to do the hard work." Sherman, I've been coming to your monthly meetings at DC/CMREIG and that got me started in Real Estate Investing. And last year's National Real Estate Investors' Conference was the launching pad!

At last year's Conference, I had access to not only one Rich Dad, but dozens. I also got to hang out with other investors who were on my own level. At the Conference, I got access to more information than I dreamed of, including lots of incredible free tips from the pros like: Ron LeGrand, Robyn Thompson, Scott Rister, Donna Bauer, Roger Dawson, Minh Pham, Lou Brown, Rob Bostick, and more. And I made connections and friendships with other are investors. Those connections have been VERY important to helping me go from having one rental that I got with equity from a HELOC, to doing 6 deals over the last few months with none of my own money!

At the Conference, I connected with several of your other Viper Contest winners, and count them not just as colleagues, but as friends. Folks like; ML, SS, and SG. Those friendships started with last year's Conference. And those friendships have been a source of coaching, support, competition (in a good way), and camaraderie. There's nothing like having a circle of friends who are positive thinkers, who know the business, and who are getting deals done. Nothing encouraged me more, or pushed me harder to compete, than seeing ML's business just TAKE OFF after the Conference. I figured if ML could do that, then surely I could! (No offense ML). I never dreamed I'd get so much out of that Conference, but it really was THE pivotal thing in me going from being a "wanna-be" investor to a full-time, successful investor. I now have employees doing work for me!

Last year, I signed up for a mentorship with one of your club sponsors, Minh Pham. Minh has taught me a tremendous amount about negotiating with the seller and how to set up systems to automate my business. Then, I took Frazier O'Leary's Prospecting 101 class and kicked my marketing into high gear. Next, I took your first "$5,000 in 45 Days" class, and I felt that I had everything I needed to get my first deal done. With you guys as my "Rich Dads" I felt like I had the best partners in the world by my side. Within a few months I got my first deal done, and netted over $25,000 in profits. The day I got my first deal check was on the Friday of last year's National Real Estate Investors' Conference. Minh Pham and I had to leave the day session of the National Conference to pick up checks for over $25,000! I came back that night clear that this business was THE PLACE where I would make all my financial goals come true. And being at the National Conference was the perfect environment for me to start that next phase of my business. I took Robyn Thompson and Rob Bostick's Rehab Bus Tour at the Conference, and I bought several of the speakers' courses. I left the Conference with tons of free tips and a virtual blueprint for how to make my investing business EXPLODE. Courses on negotiating, finding motivated sellers, buying properties for pennies on the dollar through short sales with banks, etc.

And most importantly, the connections and friendships I developed while at the Conference were tremendous.

So since Day One of last year's conference, here's what I've done....

• Charles County Sub-to: $20,000
• PG county Sub-to: $20,000
• PG County Sub-to: $25,000
• AA County Sub-to/Rehab: $100,000
• AA County Rehab: $60,000

Since last year's National Real Estate Investors Conference, I have done 5 deals worth over $230,000, and in the past 12 months, since really taking on becoming a successful investor, I will have made over $160,000 in profits from deals, which is Four times what I've ever made in a year before.

Along with my partner Minh Pham, I recruited a pool of private investors with over $2,000,000 to fund our deals, as well as I found a "Secret" DC area hard money lender who lends at 2 points and 11% who has over $10 Million to lend on deals, AND a 50% money partner for deals over $1 Million dollars. I can now do ANY deal that comes along! I quit my full time jobs in 2004 and left my part-time practice as of June 2005. My wife also quit her full time job so she could be a full-time, home schooling mom.

Oh yeah, I also took 5 vacations this year, including: renting a villa in Playa del Carmen, Mexico with 16 friends for a week; a week in NYC with my family; a cruise in the Mediterranean with my whole family; 2 weeks in upstate New York on a lake in the mountains; and a week with my family in Ohio.

Also, I've just launched an exciting new company, Community Homebuyers, LLC. My partners are Minh Pham and Frazier O'Leary. We're building a company and have an excellent staff to help us get deals done! So far we have 7 people working for us; 3 on commission, 1 full-time salaried employee, and 3 part-time employees.

All in all, in my first year as an investor: I quit my job, my wife quit her job, and we brought in over $280,000 in deals. This year, I am personally making $196,000 in profits from those deals which is 5 times what I've ever made before in a single year (Yeah, I've been some what of a slacker in the past ; ) And I've got 4 months to go with a new big company behind me!

Real Estate Investing has made it possible for me to have my life go the way I want it to go, and make the future bright for my family. It also opens up time for me to do volunteer work. I'm the chairman of the board of a private non-profit that has brought acupuncture-based treatment for drug addiction to residents of Prince George's County. Next, I want to launch a non-profit called Rehabbers for Rehabilitation. I personally donate 10% of net profits to the treatment of drug addiction, and I want to challenge all the other rehabbers in the DC Metro area to join me in this new venture!

And the best part is, I now have the cash to:

• take my family on great vacations
• renovate my house so my kids have their very own play room and home schooling center
• and earn more money than my wife, finally! Now she calls me the "Man with the Money and the Honey!"
• And my kids think of me as a "Rich Dad." Now THAT feels great!

See you at this year's Conference! (I registered as soon as I got the package : )

Sincerely,
DS

Lots of valuable information, and learned more than one thing. I did enjoy every minute of it, and looking forward to utilizing those technics. It was fun too, and lunch was great! Thanks again to all of you.

-- Said Zennia

I really enjoyed Minh Pham's presentation. Minh is a straight shooter. When he explains things he is completely open and honest. I have been to similar presentations where I walked away wondering what's in it for the presenter but Minh was clear about what he gets. He gets the satisfaction of helping others that I believe he sincerely desires. He also gets half of the deal profit. I appreciate his honesty and agree that is a fair cut for mentoring individuals that otherwise would not be able to close the deal themselves. Minh's analogies were excellent. After listening to Minh, I am a complete believer in RE Investing. I personally would recommend anyone who is interested in becoming a RE Investor attend Minh's seminar and also purchase his "Turnkey" systems and software. I would like to suggest that coffee be made available at ANY event that starts in the morning. I understand that it is not "fun" logistically to offer coffee (it's hot and not easy to transport, requires cream, sugar, artificial sweetener, cups, and something to stir with)but many of the attendees were looking around for coffee. I would also like to comment that their were soome diabetics in attendance. I mention this because I saw two attendees that were discouraged to find that the pastries etc. that were offered in the morning were all extremely high sugar content and their was nothing that they could eat. Please understand that I loved the event and only mention these issues as a way of informing you of some of the "street chatter" that you may not have heard/been aware of.

-- Rick Coutermarsh

Hello, I just wanted to say Thank you for providing such a wonderful workshop for us relatively new investors on Saturday. I find comfort in knowing that you guys offer such informative seminars that can only help us grow smarter in this business. I found the Minh to be realistic and motivating, and always it is a pleasure seeing Frazier and meeting like-minded people.

-- Lorraine Koay
LC Companies, LLC

Program was great, got a lot of info from this, only problem I found was "it was to short". Great stuff, Thanks g

-- Clair Eggiman

Frazier, Thanks for providing Minh’s workshop. Minh’s down-to-earth everyday-person no-nonsense style assured me and my partner, Rick that the wealth is out there and is up to us to get it and that you and Minh will be there to help us get the deal done. This is just like a parent told a child how to ride the bicycle theoretically and now the parent is running along with bike with instant ready helping hands stretching out in case…. The cloud of doubts is being lifted. We are ready to walk on the millionaire red carpet. Thanks again. See you tonight.

-- Ling-Ling Tu
TBFP, LLC

Program quality was excellent. The workbook was worth much more than the class fee. I would have liked to see more step by step like what is in the workbook.

-- Ken Bossard

I think the best part of the investor training is to actually meet and talk with investors who are successful, enjoy what they are doing, and have a sincere desire to help motivate and support others to achieve the same level of success they now enjoy. I think it's great that Minh and Frazier are doing a joint venture because these two are both very knowledgeable in thier areas, and they truly go hand in hand -what good is knowing how to close a deal if you can't get any, and vice versa. Knowing that I'm building my "team" with a great foundation, i.e. with the training, knowledge and experience I'll get through Minh and Frazier, as well as referals to tried and true attorneys, loan & title companies, CPAs and investors, I left the training more focused on what I need to do and with a renewed determination that I will succeed. Besides, why make all those "newbie" mistakes when Minh and Frazier already made them and can help me avoid them! :)

-- Patrice Haas

I liked the class with Minh Pham on saturday 9/17/2005, I wish we had been able to go more indepth into the analysis Minh does on prospective properties, I realize each property has it's own issues, but a more detailed discussion of what he did on serveral examples and why he did it that way would have been good too. what marketing he is doing and marketing he did when he first started his business. As always there is more material than time and it seems that the material we miss at the end or go thru quickly is what we really needed to cover. I do look forward to working with you and Minh in the mentoring class I signed up for. also please tell folks there is parking at the hilton across the street, there was no parking at the metro all.

-- Michelle Olson

I found the session on Saturday both informative and very much worth my time and money. Up until the session, I was not really sure what niche I wanted to pursue. I get excited about all the creative ways to make money in real estate, but I also understand that initially I have to have a focus area. Saturday's session helped crystalize that I want to start with lease purchases. I was disappointed that we were not able to cover marketing strategies for motivated sellers with any detail. I understand that this is all about the numbers. I need to be making offers which means I need an effective approach to generate leads. I have some resources to devote to putting a marketing strategy in place so I was really looking for more discussion on that topic. Overall, It was a great day and I learned a lot.

-- Lonnie Johnson

Dear Minh

This "little rent-to-own deal" that I took over from another investor, with your guidance, to get my REI feet wet has turned into a "big deal" with outstanding 'hands on' experiences and, best of all, profits spilling over $40,000.00! I just LOVE typing all those zeros in that figure!

This has been an absolutely phamtastic year under your steady guidance managing this rent-to-own property. Yes, I know the past year was problematic and the experience of managing this property wasn't the smoothest but I'm so appreciative that it was a rocky experience because I Ieqned what to do, how to do it and when to do it! I'm sure that may sound odd to appreciate sticky wicky tenantbuyer experiences 6dT leaniedl so much when problems popped up and you guided me through them.

I've listened to lots of REI gurus and I experienced mentoring under a nationally acclaimed and published REI guru pair but your mentorship program beats them all hands down with detailed deal guidance. If anyone reading this is contemplating joking M i s REI mentoring program, sign up now! You have to do the legwork (of course!) but Minh and his coaches are there 100% accessible to you for guidance and suggestions. The quality diierence between your mentoring and other gurus mentoring is the difference between night and day. I am serious! Quite trutldiilly, I don't know how you do it because you mentor lots of students yet the follow up and turn around time for helping a student is phenomenal. I feel blessed having had your guidance with real estate investing and this includes the fantastic ACT program you designed for real estate investing.

I'm still very much in the beginning stages of using the ACT program but even with the little bit that I do know, ACT has been incredibly helpful in organizing data a d having it quickly accessible. ACT has rescued me from time wasting aggravation experienced in the old way ofjotting information down on slips of paper then ftantically hunting for those very slips when I needed the information. Now, all that is systematically stored in and easily accessed from ACT. Thank you for making this wonderful REI ACT program available to us!

-- Elizabeth

What I like about Guarantee Profits was Minh's persistence, I realize that he is really there to be of service no matter how tough my situation is and no matter how hard the deal looks. He also sends things to me periodically to keep me informed and to just keep in touch so I may not chicken out and have an opportunity to hide out from doing the business. At the same time, I realize that when I hire someone to assist me, it is up to me to make sure I make things happen.

My impression is that Minh will go the extra mile. My impression is that he is here to be of service. I have worked for other investors and even met face to face with them every week to go over my progress or hang out. None of them, though, remembered my birthday, sent me materials to assist me, or gave me potential deals that would get me going in the business. The fact that Minh does this is phenomenal which is why I have absolutely no problem sending referrals his way or contribute in whatever way I know how. I think that goes above and beyond what makes up a mentor and I just get the impression that Minh will go the extra mile for people.

M. Miller

My partners and I decided that we were going to begin purchasing investment properties and become landlords with a goal of purchasing a minimum of five properties per year. In August and September of 2004, we purchased our first two properties. Although we knew nothing about creative real estate at the time we did purchase these with either good terms or price. One property was purchased using owner financing and the other was bought at about 65% ARV - Repair Costs. We have a total of about $140,000.00 in equity between the two properties as well as positive cash flow on each. Not bad huh?

Well, unfortunately it quickly became clear to us that we were not going to be able to continue buying properties the conventional way with 10-15% down payments. We were running out of start-up capital quickly. I began thoroughly researching real estate investing and more specifically creative real estate investing, in my searches I came across your group [www.dcreia.com] that meets in Bowie, Maryland. The first meeting I went to was in September of 2004, (by the way I have not missed one since, they are spectacular).

In October of 2004, one of my partners and I attended the National Real Estate Investors Conference in Greenbelt, Maryland. WOW! What a difference that one conference has made in our lives! Not only did the speakers provide quality, educational presentations, but also we were able to connect and network with so many other like-minded individuals. I attended your "Going In Motion - How to Get Started” Thursday workshop and thoroughly enjoyed it.

There was one quote or saying that stands out in my mind from that conference, Ron LeGrand said "You'll never become wealthy working for an hourly wage." (or something close to that) This one quote hit home so hard that my business partner and I made the decision right then and there to give this business 110% and vowed not to give up.

Since the conference we have implemented a significant direct mail campaign based on information taught in Scott Rister's course "Find All The Motivated Sellers You Can Handle". I have also read and implemented strategies from your course "Going In Motion", and just this past weekend at the February DCCMREIG meeting I signed up for Minh Pham’s one-on-one mentoring program.

Now to the successes, just last week we settled on our first wholesale deal. We got a property under contract for $160,000 which needed little to no fix-up, just minor cosmetic stuff, within four days we got an offer from a landlord investor who wanted to purchase our contract for $25,000, the property was worth $225,000. Although the $25,000 assignment fee was nice, the best part was that it was a win-win-win transaction. The seller was happy to be rid of an investment that she just didn't want to deal with, the end buyer was happy to purchase a nice house with a lot of equity on the table and of course we were happy to have done our first creative real estate deal and profit nicely.

We currently have several other properties that we have submitted contracts on and anticipate turning them into deals in the very near future. To include a rehab property which we will profit a minimum of $40,000 on and possibly more as we have proposed an equity split with the seller for anything we sell the property for over a certain price. The seller loved this idea and just wants to have her attorney look at the contract before signing it.

We are about to put an option on a property where the small amount of equity leaves for tight numbers under the typical 70% equation and the monthly payment (based on a 14% interest rate) is too high to profit from a Sub-2 scenario. Over the last couple of months I have compiled a pretty large buyers list and feel confident that we can market this property to a long-term landlord and make a small assignment fee. (Every little bit helps)

We are also in negotiations with a relative of one of my partners who has a property in SE, Washington, DC, which has sat vacant for six years. The property has an ARV of $400,000+, we are confident that we will be able to get this property under contract in the very near future. Right now we are doing our due diligence getting estimates from our contractors so that we can make a fair offer that will leave enough profit on the table for us.

All this while still working full time and then some for the county. Although I will say we have all cut back on the amount of overtime we work for the county in order to allow us to devote as much time as possible to our new found career. When we decided to start investing in real estate last summer it was with a goal of being able to replace our income when we are eligible to retire in another 8 years. Those goals have changed dramatically and at least two of the three of us plan on retiring early in our 15th year so that we can pursue real estate investing "full time" (15-20 hours per week!!)

I would like to take this opportunity to thank you Sherman, because without your group and the Real Investor’s conference, I know that we would not be where we are today nor where we're tomorrow!

Shawn Scarlata,
CSL Property Solutions, LLC

At 9pm on Friday, October 2004, I walked into the Greenbelt Marriott for the 2004 Conference. I was tired and upset because I had missed the past two days of the Conference and saw you in the lobby. I shook your hand and told you that "next year this time I will not be working a regular job and will be able to attend the full Conference." By the end of the Conference, I was armed with an incredible amount of information and motivation and quit my job just TWO MONTHS LATER.

To recap my "story," I started learning about creative real estate investing in January 2004. At the time, I was an officer in the US Navy and on active duty stationed in this area. I had already been accepted to a couple of law schools (I got out of the Navy in June 2004), but "discovered" creative real estate by looking through books at Borders bookstore one day. As I started reading about this business, I realized that the only way to make it in the business was to "Go in Motion - Stay in Motion," and take MASSIVE ACTION. So I began my marketing campaign by pounding up hundreds of bandit signs (sometimes at 2am on Friday nights - my girlfriend thought this was a little nutty), mailing postcards/letters to out of state landlords, passing out business cards to everyone I knew (or didn’t know), putting out thousands of flyers, recruiting birddogs to put out flyers for me, etc.

In Feb/March 2004, I was still looking for my first deal and knew that I could not learn this business on my own from just books. In February 2004, I took Frazier O’Leary’s "Prospecting 101" class, which gave me the motivation and tools to really crank my marketing machine into high gear. In March 2004, I joined the mentorship program of one of your sponsors and superstar speakers/dealmakers - Minh Pham. Under Minh’s guidance, I landed two deals in April 2004: first, I wholesaled a rehab deal in Fredericksburg, VA to another investor and made TWENTY THOUSAND DOLLARS IN CASH, and also bought a condo to live in myself in Alexandria, VA at a massive discount -- about 70 cents on the dollar, which landed me a cool FORTY THOUSAND DOLLARS IN INSTANT EQUITY! The first deal came from direct mail postcards to out of state landlords and the second from passing out flyers. These two deals got me totally hooked on this business and I realized very quickly that I would never be going to law school?

From May - October 2004, I wholesaled about three more deals and gained more confidence and knowledge about this business. After the Navy, I worked as a defense contractor for the Air Force, and would spend each day’s lunchbreak talking on my cellphone trying to put more deals together. I was building a future for myself, but something was still holding me back from really hitting a homerun in this business...

When I came to the Conference, I was so excited to hear the stories of all the speakers you had on stage that night - Minh Pham, Rob Bostick, Ron LeGrand, etc. I soaked up all of their words and advice and got PUMPED to take MASSIVE ACTION. I bought several of the speakers’ courses at the Conference, which provided me with some outstanding marketing and negotiating ideas to close more deals. As soon as the Conference was over, my business really took off. In total, I’ve now done FIFTEEN DEALS (10 of these in the last 6 months) and am FINANCIALLY FREE. Here are the details on a couple of the deals I’ve done:

• In December 2004, I put a 4 bedroom / 3 bath brick home under contract in Fort Washington, MD. Purchase price was $166,500. I closed in January 2005 and put about $25,000 into fixing the house up (the sewage and heating systems did not work). In approximately three weeks we go to cash-out settlement and the TOTAL PROFITS ON THIS DEAL ARE $95,000+!!!
• Also in December 2004, I put a 3 bedroom / 1 bath home under contract in Southeast DC. Purchase price was $113,000. In March 2005, I sold it for $155,000 and had done ZERO REHAB to the property. TOTAL PROFITS ON THIS DEAL WERE IN EXCESS OF $33,000!

In addition to doing 15 deals, I’ve raised approximately TWO MILLION DOLLARS in private capital with my former mentor - none other than the superstar speaker and mentor I mentioned earlier - Minh Pham. Minh and I launched our private capital program right after I attended the 2004 Conference and have had over 150 people come out to one of our luncheons/dinners.

I’ve recently teamed up with a contractor with 21 years experience renovating homes all over the DC region, including high end areas like Potomac, Old Town Alexandria, etc. His name is Mark Meredith and he has 4 rehab crews, with over 80 men in total. Mark and I have launched an exciting new company called National Homebuyers, LLC and are just about to launch substantial TV marketing campaigns throughout the DC and Baltimore markets to really "take it to the next level." Our immediate goal is to get to the point where we are rehabbing 10 houses per month, and I think we can hit that point within another year. Based upon the volume and magnitude of deals I have in my current pipeline, it looks as if I will make approximately $400,000 in my first year as a full-time investor! That’s more than 3 times what I would be making as an attorney!

Although it feels wonderful to be financially free, it’s not just about the money. I get a lot of satisfaction when I receive testimonials such as this one:

I want to THANK YOU and all of those who have helped me get my business going. I feel especially privileged to live here in the DC area where there are outstanding investor organizations like the one you run. Also, I would never have succeeded thus far without having someone like Minh Pham to mentor and guide me along the way. Just as Robert Kiyosaki advocates in "Rich Dad, Poor Dad," Minh taught me how to build SYSTEMS for massive wealth creation. Using Minh’s "Turnkey Software for the Successful Real Estate Investor," I was able to implement the exact same systems that he’s spent years developing and create a pipeline to financial freedom. In sum, these are the reasons I think I am competitive for the Viper:

• I quit my job within 2 months of last year’s Conference
• Based on the volume and size of my deals, I should make approximately $400,000 in my first year as a full time investor
• I’ve raised about $2,000,000 in private capital to fund my deals

Even if I don’t win the Viper, I hope that my story inspires someone else to take MASSIVE ACTION and achieve their financial and lifestyle goals. This is such an amazing business and the best part about it is that there are so many deals out there that we can all succeed together!

Sincerely,
ML

Along with my J.O.B. came a great amount of stress from constant deadlines, budgets, etc. I was sitting in my tiny cubicle one day running over numbers and seeing just how rich I was making someone else (while I kept getting deeper in debt??). I looked up to see several workers stop on each floor to install heart defibulators for the next heart attack victim who was overcome by stress and fatigue, hoping to keep their employees living so they could continue to work another day. This set me back in my chair to take a moment to ponder the life I had chosen for myself. Several of the people around me have been there 20+ years and were still doing the same thing I was doing only they were constantly complaining of failed marriages and how hard it was to raise their kids when they are not around. This is not really the life I have dreamed of for myself.

That night I went home and talked to a friend who suggested I read Robert Kiyosaki's book "Rich Dad, Poor Dad". This book quickly changed my context and once again had me ready to take on the world. Just a week later I saw, dare I say, one of those late night infomercials and ordered the course. I devoured that in no time and learned the basic ABC's of real estate investing and knew this would be my vehicle to financial freedom. I was now on a war path for more information. I joined several real estate investor clubs and ordered several other courses, still no deals though - very frustrating.

Then while attending one of your REIA Club Meetings (DC/CMREIG) I signed up for mentoring with Minh Pham and 18 DAYS later I closed my first deal which ended up netting over $25,000! Things were starting to fall into place and I yearned to learn and do more. Luckily the 2003 National Real Estate Investors' Conference happened to be coming up. While at this first class Realinvestors.com event I met several success minded people who have become valuable members of my 'power team'. I also learned a tremendous amount of useful information and many new tools to add to my investing techniques. I came out of the conference on a whirlwind high and went after investing with new vigor armed with much new information and highly motivated.

Quickly thereafter I made a fast $15,000 on three deals. I then closed on a beautiful pre-foreclosure deal which I took subject-to the existing financing, added some paint and carpet, and netted well over $70,000 profit in just under two months time! Wahoo!! Now remember, I'm still working full time at this point and all deals had been completed with NONE of my own money, and the deals just keep coming. Wow, it's amazing what some newly found information and a good bit of drive can accomplish.

Life is great. Just 15 months after taking action and running my first classified ad in the newspaper I walked into my dreaded J.O.B. and told my boss I could no longer afford to work there anymore and walked out. Well needless to say I have never looked back and my future has never looked brighter. My investing techniques have now grown to include rehabs, sub2, lease options, pure options, tax liens, rentals, wholesaling, short sales, and on and on. I now average about a deal a month (and I'm just getting warmed up), and I am working much less and making 5 to 6 times that of my corporate salary. I no longer have an alarm clock shocking the life out of me every morning and I wake up with a smile on my face excited to start a new day. I was even blessed enough to fall in love during this time and get married to my beautiful wife. The greatest thing is I know I will now always have the time to be there for my wife and to see our future children grow with their parents by their sides and a beautiful secure future ahead of them. I love what I do and I'm making a difference in my community one family or house at a time. I can't tell you how good it feels to help out a family in distress and I have actually had several couples shed tears of happiness as they can now sleep in peace once again.

Everything just seems to get that much easier with each day that goes by. In 5 years from now I easily see us being financially free for life and I dare not tell you about our 10 and 20 year goals except that it is filled with a life full of love, happiness, and the security to know we can live how we always dreamed life should be lived.

I can't thank you, Sherman enough for the club, courses, conferences, and people I have met who are willing to lend their time and knowledge to help take me to where I am today. I close with these final two thoughts which hang in my home office to keep me going everyday.

1) Action Creates Opportunities and 2) Go Confidently in the Direction of Your Dreams, Live the Life you've Imagined!

May the world be yours,

Brian Beard
Ps. It just happens that my wife's favorite color is RED =)

The profits from that deal will be about $13,500 and I now have a contract on a property owned by this seller's daughter. The property is being marketed now and should generate a wholesale profit of $15,000. On June 22, I settled on the lease option deal that I partnered with Minh Pham on and we both walked away from the closing table with over $35,000 in profits (EACH). Sounds good, it gets better!!! I partnered with a close friend and we have a property under contract that is in the SAME sub-division as the Capital Heights property. We are scheduled to close on that property on July 23rd and will make a wholesale profit of over $40,000.

Here are some other accomplishments within the last 6-12 months.

December of 2004 - I purchased land and am in the process of building a 3 - unit building in red-hot Jersey City, NJ (about 15 - 20 minutes from Manhattan by way of light rail). Our construction costs will be about $400,000 and we will turn the units into condos, selling for an average price of $250,000 - $275,000 each. This would generate an estimated profit of $300,000.

March 2005 - Using what we learned from Jeff Kaller's at one of the club meetings, I discovered & purchased a pre-foreclosure in Cheltenham, MD for $290,000 (got $14,000 credited back at closing) and after a light rehab, it is worth $365,000 (and counting). It was so nice that my wife and I moved in and decided to rent out our town home in Upper Marlboro, MD. Did I mention that we bought our Upper Marlboro town home for $111,000 in 2001 and it is now worth $230,000. It is now providing a positive cash flow of $500/month and has a long-term tenant. We like to refer to that property as our "401k"

-Within the last week, we have gotten our first private funding commitment using the Private Bank... techniques discussed at one of the club meetings by Alan Cowgill.

-Within the last two days, I have a contract to build a home from scratch in District Heights, MD. This lot, construction, and other costs will total $190,000. The project is appraised at $275,000.

2005 is shaping up to be a great year. I'm really excited because I have always wanted to build houses. Not just putting a contract a pre-construction properties being offered by retail homebuilders. I have always wanted to find a lot and place something on it.

The dictionary's definition of luck is: The chance happening of fortunate or adverse events; fortune. To gain success or something desirable by chance. To be lucky, you have to put yourself in the position to be lucky, but most importantly you have to be prepared when the floodgates start to open. After a while, you begin to realize that you are doing deals because of your efforts, not because of luck". To be a successful investor you must be an investor. That is, you must do the things that investors do, like faithfully attending real estate investor club meetings and networking with like-minded people. To newer investors and experienced investors alike. Be sure that you are actually being an investor and not just "playing at investing", meaning talking the talk, but not walking the walk. Start small and go in motion, but start somewhere. The seeds you plant today ensure that you have have a field of Green next month. Over two years ago, I left corporate america because the fields on the other side of the fence have more fertile soil. I just had to plant my seeds.

Special Thanks to you Sherman and Minh Pham. You can't mention real estate investing in the Metro DC area and not hear your names coming up over and over again as the "Good Guys" teaching people how to do this thing the right way!

Thanks,

Vernon Vaughan Realstar Properties

Minh,

Minh thank you for all the guidance and assistance I received in your mentoring program. I started off ordering Carleton Sheets program and was offered mentoring at a hefty price of $4k, which I turned down. I then turned to Robert Kyosoki's program and again was offered mentoring at a hefty price. Several other guru's offered mentoring programs, which costs as much as $10k for six months to a year. The one thing all of these programs lacked was practical application and affordability. Finally at the community networking groups meeting (CNG), hosted by Frazier O'Leary, I met Minh Pham who was the guest speaker and decided to give his mentoring program a try, since it costs less than $2k and he was a local investor. With Minh's guidance and assistance I acquired a property using the subject-2 method. Minh walked me through the process step by step, which eliminated any costly mistakes. Within three month's I sold the property for a profit of approximately $45k.

I highly recommend Minh's mentoring program to anyone who is serious about real estate investing. I now have the knowledge and confidence to do the next deal on my own. Thanks again for all of your assistance and best of all, thanks for the free mentoring becuase I got my initial mentoring fee back for completing my first deal! What a deal!

Donnell Cowan

Minh,

Thank you for the excellent Superstar Turnkey Training seminar. I have finally been able to clean off my desk in put everything into one system. I no longer have to look for lose pieces of paper stuffed in my pockets and in my desk drawers. It has helped me both as a Realtor and as an investor. I can easily separate my day-to-day task just like that. Now, when clients call I can just put in their name and all the information pops up just like that. One client was very impressed that I knew the last time I talked to her and that I knew her wedding anniversary was coming when she called. Little did she know I had the Turnkey system right in front of me helping me out! It’s these little things that go so far in a business.

I think any serious investor that wants to see results needs to invest in the Turkey Software. It is very easy and straight-forward to understand. Believe me, I am not a computer guru. After only a few weeks, I can see significant gains in my organization and my relationship with my clients. I haven’t even tried everything in the system yet!

Your program is a true investment to my real estate career. The course was worth every penny. It is now the heart-and-soul of everything I do both personally and professionally. I could never see myself going back to the old way of doing things. It is once again another Pham-Tastic project! Looking forward to netting my first million and thank you again!

Delaney Colbert
Keller Williams Realty

Good afternoon Minh,

Before I learned about ACT, I was a mess. I had a pile of things to do that I couldn't keep track of. ACT has helped me stay on top of my work without losing focus. In that time, I learned what I needed to take control of my business, instead of having it control me. I look forward to using ACT to help me take my real estate business to another level!

Sincerely,
Freddie

Minh,

Let me start off by saying....WOW!....What a great program. Minh's Turnkey software finally consolidates all the 'have to dos' and 'need to haves' for real estate investing into one easy to use package. No more sifting through folders of and piles of papers looking for one document. With a few clicks you can find what you need quickly making you look more professional. Speaking of quick and professional one of my favorite features of Minh's Turnkey Software is the ability to fill out forms and contracts that would normally take me a few days to complete correctly. As a matter of fact my last deal was a subject to. The are almost 60 pages worth of contracts that need to be completed to close a deal. Because I do have a full-time job beyond real estate investing and a 1 year old toddler I am sometimes short on time. These 60 pages of leagalees took me 2 days to complete, doing it little by little with the 10 minute increments of free time. With Minh's Turnkey Software and training I was able to duplicate this process in one 5 minute sitting!! This feature alone is worth the investment in this program. As they say, time is money. It's not a hard choice to decide if you want to spend 2 days or 5 minutes when the extra time can mean another deal in your portfolio. I am now using Minh's Turnkey Software to keep track of one of the most important factors in real estate investing, marketing. Turnkey Software is helping me determine which marketing campaigns are working and producing deals for me. Now you may say Microsoft Outlook is more than enough for you. That's what I though too. Outlook is a great program for real estate investing, but only if you are doing 1 deal at a time. If you really want to build your business and know what is going on with your growing business, Outlook won't be able to keep up. ACT! is a professional customer resource management tool used by many professional sale teams to keep track of 10s of 1000s of contact per company. If you don't think you are organized enough to handle multiple deals at once Turnkey Software is the tool for you. The Pipe Line Program will guide you step by step through the process of acquiring, selling and holding properties in your portfolio. You may think this would make ACT! a little intimidating and the first time I used it, it was. Actually after trying ACT! for the first time, I put it back on the shelf. But after taking Minh's class I am able to adjust the behind features that most users don't even know about in ACT! and customized it even further for my use. ACT! and Turnkey Software is a definite must if you plan to grow your business, be organized, and be professional. Minh's Turnkey software finally consolidates all the "have to dos' that go through my mind and more.

Will Smith
SJS Properties, LLC

Minh,

I want to take a couple of minutes and thank you immensely! A couple of weeks ago I attended your Turnkey Software for Real Estate Investors training and I just want to be one of the first to say…it was AWESOME!!! I know it has not been long since the training but I already see huge differences in my business. I was already using ACT! before taking the course, at the strong recommendation of one of your prior mentorship students, although I knew I wasn’t using it anywhere near its full potential. Your experience and expertise made learning the material so easy and every time I’ve called you since then with a question on how to do something in the program you have answered without hesitation, its obvious that you know this program inside and out.

I have had numerous leads that I have been working on recently, some for several months. My old way of doing things was to write Post-it notes or scribble something on a scrap piece of paper when I needed to remind myself to do something later. Not anymore, I am now so much more organized, in fact I honestly believe this re-organization using Turnkey Software for Real Estate Investors has brought about a couple of recent successes.

First there is the deal that you and I have been working on in Southern Maryland, one that I had failed to properly follow up on and had fell out of contact with the seller for a period of time. I blame this completely on myself due to my horrible system of reminders. Well as you know just a few days ago the seller agreed to our short offer to purchase the property using owner financing, and as I’m writing this the signed contract has just come across the fax machine. When all is said and done and our tenant buyer cashes out of the property we will net right around $50,000.00 on this deal. That is Phamtastic!!

Then there is the other property that my partners and I have been negotiating with the seller on for several months, and again things weren’t moving as fast as I would have liked, most likely because of my lack of consistent follow up. After attending the ACT! training I knew this was one of the leads that I had to follow up on and attempt to close. Well, good news, we came to a verbal purchase agreement with the seller this past week and plan on sitting down to sign contracts early next week. This is a rehab property with an ARV of just over $400,000.00, we got it under contract for $180,000.00 + a 50/50 equity split of any profits over $375,000.00. Even better is that the seller is going to accept about $10,000.00 – 15,000.00 down and hold financing on the remaining balance until we finish the rehab and sell the property. Again our net profits on this deal will be in the neighborhood of $45-50,000.00+. This business is beautiful!!

So to wrap up I again want to say THANK YOU! Although I believe everyone needs to take various training and/or mentorship type programs relating directly to real estate investing, I definitely think that anyone who is serious about starting or growing a real estate investment career needs to attend your Turnkey Software for Real Estate Investors training. Not only is it developed and geared directly toward real estate investing, but it has got to be one of the most powerful pieces of business software I own. Keep up the good work, you are a Phamtastic instructor and mentor.

Shawn Scarlata
CSL Property Solutions.

Dear Minh,

4/2/2005

I just wanted to take a moment to write and thank you for putting together the Turnkey Software for Successful Real Estate Investors training. This software is exactly what I was looking for. In the past, I used Palm, ACT!, and also Excel Spreadsheets to manage everything. It was very cumbersome with lots of duplications of data. I needed one system to manage all my lead tracking, lists of buyers and lenders, deal progress reports, and all the associated emails and documents. I was constantly trying to remember which program I used to record data about a team member or a deal. Your software does that for me. I’ve been using your Turnkey Software for only two weeks now, and already my business is running smoother. I’m able to organize contacts, files, and real estate deal related documents, far better than I could in the past. Everything operates out of one system instead of three or more. And with the Turnkey Templates for Real Estate Contracts you’ve included, I can now make dozens of offers a week AND TRACK THEM all in one system. This really has revolutionized the way I run my business, and it’s already resulted in me being able to track and close one deal where we make $20,000!

Thanks again, Minh, and please feel free to share my story with any of your potential investors or buyers.

Sincerely,
David Schiman
President,
Bowie Property Management, LLC
S & P Investments, LLC

Dear Minh,

I am writing to thank you for helping me organize my business with ACT software. Now that my business has grown and I'm a full-time investor, I would never be able to manage all of the elements of my business were it not for ACT. When I first signed up for your mentorship program in March 2004, I was trying to use Microsoft Outlook and Palm Desktop software to keep track of my business, along with several spiral notebooks. As my contacts and marketing operations grew, I quickly outgrew these methods and ACT was the perfect solution. I truly appreciate all of the knowledge you have conveyed to me about ACT. I now use it to track my potential sellers, deal statuses, vendors (realtors, contractors, mortgage brokers, etc), and the many other contacts that I make in the course of operating my real estate investment companies. I now have over 500 contacts in my ACT database and have done 13 real estate deals... I would NEVER have been able to accomplish this many deals so quickly were it not for the great efficiency my business has gained through ACT. My only regret with respect to ACT is that I did not take your advice on my first day in your mentorship program and start using ACT... it took alot of frustration, chaos, and even missed deals to convince me that I needed to learn to use the software. Your 7 years of experience using this software was invaluable in helping me make the most of this software and my business. Thank you!

Sincerely,
ML
Allied Property Group, LLC

Dear Minh,

I have been using ACT! for some time and realized through your training that I haven't even begun to unlock it's potential. Your ACT! training has opened my eyes to this incredible tool that is essential to any real estate business. The template that you created, specifically designed for real estate investors brings everything together so that it is all streamlined and easy to use. And the impressive manual that you and your team made is a valuable resource that I can refer to anytime I'm in a jam...and best of all, it's easy to read!

We've done three deals so far...2 Condos plus 1 Short Sale. The 2 condos came from one seller who was a tired landlord. The first one we picked up for 20k and wholesaled it to another investor for 29k. The second one we picked up for 18k and sold it for 45k. The short sale deal we got from a preforeclosure for about 395k and it's worth around 500k. With everything going on, it's easy to get lost in the mix without anything to keep you on target with your next steps. ACT! kept me from getting lost by helping me stay organized, keeping me on schedule with my tasks, and by tracking who my serious buyers were. ACT! is a Must-Have for any serious investor!

Freddie

Minh,

I would like to express my gratitude for the conference call on Tuesday, October 12, 2004; it was both enjoyable and informative. I appreciated the time you took from your busy schedule and I was especially pleased to learn more about how you came to choose your particular business venture. The subject intrigues me, and I plan to learn much more. I believe that I will benefit immediately from the methods you suggested for the lease options, wholesaling and real investing overall. Your enthusiasm is contagious, and I will use your methods in my real estate investments. Your years of experience, your depth of understanding of real estate investing, and your ability to present the subject in such an interesting way produced one of the most memorable evenings at last weekends Real Estate Conference. Judging from the comments of those who attended the conference stated that it was very successful. Most of the credit goes to you and the others who gave such informative presentations. I truly appreciate people like you who are willing to give their time and talents to enrich the lives of others.

Thank You So Much

Sharita Williams

Dear Minh:

Well, we did it, huh?

The PHAMTASTIC Lease Purchase Mentor and his Texas-based Mentoree were able to successfully collaborate sufficiently to find a deal, analyze the deal's potential revenue-making potential, bring to contract and finalize the contract. Excellent!!

As you said to me, every deal is somewhat different from the last deal or the next deal transacted on the street.

To summarize, this deal was a homeowner in mortgage arrears on his 2nd and 1st mortgages, in which, he was further behind on his 2nd --than his 1st, but nevertheless, it took your money invested, (Warranty Deed of Trust) to bring his immediate need current before the 1st mortgage was brought current.

As the holder of the homeowner's deed to contract, you decided to wholesale the deal, before the 1st was paid off to the mortgage company, allowing a 3rd party wholesaler/investor, to own the contract via contract-transference, and we were out of the deal, altogether at that point.

The homeowner was taken care of, via able to avoid the forthcoming foreclosure reality, plus, gets an extented timeline to remain in the home (6 months from original contract and release of deed to Phamtastic Property), while also saving any negative credit outcomes that would have come about if the homeowner hadn't decided to sign your warranty deed of trust paperwork, using the Trust avenue to facilitate this particular transaction. Good job Minh!!!

The homeowner was helped. The third party wholesale/investor has an excellent ROI-yield outcome into this nice nieighbor property, which sits in an undervalued residental area, meaning that the third-party wholesaler/investor will do very well regarding his ROI-yield and expected profit-margin outcome.

The typical numbers on this deal flowed as follows:

1. Seller owned a home valued at $133K, in a nice neighborhood where home values were from the lower $130K to $180K, averaging within a $155K to $165K range;
2. Seller's 1st and 2nd notes were approximately $95K in pay-off amount;
3. Home needs about $3K to 5K of rehab work, depending if not sold as a "Handy-man's Special;"
4. Phamtastic Properties injested the 1st $3K to bring 2nd mortgage current;
5. Phamtastic Properties wholesaled (flipped) contract to 3rd party investor/wholesaler--rehabber for $8,045.00 (approxmiately), as our EXIT PLAN;
6. Phamtastic Properites and myself netted $5,000 to split 50/50 in a WIN-WIN outcome via a very short timeline;
7. Third-party Investor/rehabber is planning to rehab via injecting about $5K to $6K in remodeling the property;
8. Will likely be able to sell teh rehabbed property (or use a lease-purchase methodology--expecially if he captures a qualified Tenant-Buyer) selling in the price range of $165K to $170K range, allowing the Seller to maxmize the top range of the FMV-status within this particular nice neighborhood;
9. We cleared $5K in the wholesale-flip outcome, to split between us.
10. The 3rd party investor/rehabber sells for, let's say in the attainable $165 range, minus his initial 8K investment, plus, also minus his $6K rehabbing effort, and including making two additional 1st and 2nd home mortgage payments, leaving a balance of $16.6K invested prior to resale of property, if acheived in the next 60-day timeline.
11. Number Walk-through...
1. $165K New Sale Price
2. 2 months timeline to rehab, paying two monthly $1,300 ($2,600) mortgage payments during rehab work;
3. $8K + $6K + $2.6K = $16.6K 3rd party wholesaler/investor-rehabber's approximate cash outlay on this deal;
4. $165K Sales Price Minus $95K Pay-off = $70K Gross, minus 16.6K costs = $53.4K gross profit, (minus misc costs related to this dea

Success Story? Yelp sure nuff, even through we wholesale-- flipped the deal vs. staying with it over time, due to pending timeline circumstances having nothing to do with the deal itself, but outside factors impacting and leading us to wholesale flip this particular deal.

So let's do another one Minh, ASAP, and even maybe consider testing the Lease-Purchase/rehab waters, vs. wholesale flipping of the contract.

I'm excited to have worked through my first deal with you Minh.

Thanks for your mentoring effort --to walk me through your System strategies --for understanding and successfully transacting Lease-Purchase contracts.

Cheers!!

\HW
GuaranteeProfits.com Graduate
Lease Purchase Strategist
Dallas-Fort Worth Metro Area

Minh,

As a fledging real estate entrepreneur, I knew a couple of things. First, I didn’t have a lot of funds to dive right in and buy an investment property, but what I did have I couldn’t afford to lose. Second, I had some experience with real estate, so I was smart enough to get into trouble going it alone.

It took a while for us to get lift-off on that first opportunity, but when it took off, it took off! From the initial client meeting, through the closing you were there to support me. It was challenging and at points even frustrating – especially the part dealing with the title company. Believe you me, I will always make sure that the title company is sophisticated and familiar with lease purchase approach the next time!

Anyway, as you are famous for saying, ‘it (was) is all good’. Thanks to you, Lois, and Dawn, I was able to avoid the ‘big mistakes’, stay on top of the project, and move the property quickly and most of all ---- drum-roll please….MAKE SOME MONEY!!!!!

Sincerely,

Doug M.

Dear Minh,

I just wanted to take a minute to write and thank you for all your support in doing my first creative deal. As you know, I’ve been investing for three years in rental properties, but I haven’t done any creative deals until now. Your mentorship program gave me the tools, and the answers, I needed to pull off a tremendous deal.
Below is the story of this first deal, please feel free to share it with your students or prospective students.

Through my marketing efforts I received a call from a couple who were about to lose their home to foreclosure. They were two months behind in payments, and about to be three months in arrears. The wife, Shirley, called me and asked me if I could help her. She said, “I just don’t want a foreclosure on my record, can you help?” After getting some basic information and assuring her that I thought we (me and my team at Phamtastic Properties) could help her, I called Minh and we began to formulate an offer. I called her back and set up a three way conference call with her and Minh and myself. On the call I listened as Minh negotiated the offer. I took notes and contributed as needed. Next, Minh provided the necessary documents to use, and I went to the seller’s home and had them sign the contract and the many other necessary documents. Then, Minh helped me work with a title attorney to get everything in place in order to buy her property Subject-To the existing mortgage. Minh was always there to provide me with the answers I needed, at each step in the process, even when he was on vacation in Europe! Between Minh, his team, and the title attorney, I had my own team backing me up at each step. The next step was to begin marketing the property for sale to our end-buyer. I held an open house, and got three offers. I picked the best offer and two weeks later, the buyers met Minh and me at the settlement table. After about an hour and a half at the settlement table (the buyer’s wife was 45 minutes late) Minh and I walked out with our checks for $25,364.06 in profit on this deal! The deal took just under two months. In the end, the mentorship with Minh was totally free, because I got my mentorship fee back! And, the best part REALLY is, that now I know I can do these deals on my own! And if I get stuck, I know I can always count on Minh for support and advice.

Minh, I truly can’t thank you enough for all that you’ve done, and the encouragement you’ve given me, to help me take my real estate investing career to the next level! I would heartily recommend your course to any investor looking for an edge in this competitive marketplace.

With sincere thanks,

David Schiman
Bowie Property Management, LLC

Dear Phamtastic Property Friends:

My name is Jackie. I first learned about Phamtastic Property by driving in front of a house and writing down the phone number.

Phamtastic Property made my dream come true, I own my house; my children and I will never go without a roof over our heads.

Owning a house is an American dream for any immigrant family like mine.

Phamtastic Property help me secure a loan with the mortgage company, they were very helpful on anything I needed.

I have no words to say THANK YOU to all of the people who work for Phamtastic Property.

Grace “Jackie” Schaer

Dear Mr. Pham:

I am writing to let you know that I appreciate your assistance and hard work in paying the rent and other expenses on the property I have up for sale. Your honesty and dependability in our professional exchanges has eased a great of the stress involved in dealing with real estate.

The previous tenants of this property were negligent in paying the rent as they were often late or did not pay at all. They also left the house in poor condition, burdening me with heavy expenses and a great deal of stress in dealing with all parties involved. Phamtastic Properties has been the answer to my problems since rent and other expenses are paid on time even though the house in unoccupied.

I look forward to continue working with you on this property and any future ones I deal with. I highly recommend you and your team to any prospective customers.

Sincerely,
Nezam Yousefi

Thursday, August 19, 2004

To Everyone at Phamtastic Properties, LLC,

This letter is a long time coming. I was hesitant in writing because I am such a terrible writer. Brian with his business schedule can’t seem to remember. So, you are going to get this thank you from us via me. I hope I write it well.

When we first decided that is was time to get rid of and I will phrase it “the house that Jack built”, I called several of the numbers on signs that we saw around our neighborhood. I was given a call within the next 24 hours and information was e-mailed to me immediately detailing of the wonderful benefits of your program.

I read over the information several times and was amazed at the benefits we would receive by placing our home in your program. Needless to say we did feel like it was too good to be true and so did our friends and family.

We needed to move out the area and place our kids in what we felt was a more desirable environment, both safe and academic.

Your plan to take over our mortgage and move someone in who could eventually take over payments and purchase our home has now made our current dreams come true.

You were patient with us getting out the house, you provide assistant within many areas. For example, helping us with the plumbing problems we had and being patient and allowing us to take care of cost with the extremely convenient payment plan you provided to us.

I can go on and on of the help and understanding that you gave to Brian and me during the year or so our home was in your program. You handle all the paperwork in a professional and courteous manner and you were able to find a buyer in the time frame you guys set. You were definitely a life save for us emotionally and financially because all that you have done for us.

Please don’t hesitate to use Brian and me as references; we will with promptness and pride give you the glowing praises you deserve. What we thought was too good to be true was a dream come true.

Always much appreciate and gratefulness,
Brian and Shannon Fong

July 22, 2004

Dear Minh,

I have just finished my first deal and you not only handed me the deal on a silver platter but held my hand each step along the way. You called me on a regular basis and, even though I know this was a small deal for you, you treated our transactions with the greatest importance. You never gave up on me and never allowed me to give up on myself. You are relentless in bringing out the best in others and expect the same from yourself.

Minh, you and Merry, open your home on a regular basis and provide dinner and networking for all of your students. You and Merry feed both body and soul and you both seem determined to give of yourselves to all who need your assistance.

I highly recommend your mentorship program to anyone interested in getting started in, or improving, their skills in real estate investing. Minh, you are generous with your guidance, practical in your advice, and genuine in your concern for your students' real estate success.

Sincerely,
Linda Maggioncalda

Minh,

Thanks for your help with finding investors for two leads that I had. These were two "subject to" deals both with good equity and cash flow. I knew these were good leads, but didn't have a buyer for them so I thought your students would be interested in them. After meeting with the owners, inspecting the properties, and mailing the special reports, we spent about one hour each on a conference call with the owners. We set the closing dates, and I picked up two checks ($1,000 each) for my birddoging efforts. I figure I spent no more than 5 hours per deal. So, that about $200 per hour...not a bad payday! I look forward to providing more opportunities to you and your students. This experience also gave me the opportunity to sit through a "subject to" closing and see how to handle seller's questions/concerns.

Thanks,
Russell Sanders
Custom Care Properties, LLC

Minh,

What a difference a few months makes. I knew when we first met back in April that you were going to be very instrumental in my future Real Estate investment success. I had no idea that things would take off so quickly. I just received my first check for $24,200 for a deal that you coached me through. I had no idea what I was doing then, but I was anxious to get started. Your advice and encouragement led me to ultimate victory on my first transaction. Here I am two months later, with a pipeline of five pending deals (this number continues to rapidly increase) ranging from Assignments, Lease Options, Short Sales, etc.

Thanks to you I am much more investor savvy, and this is just the beginning. You’re always accessible to me even when I know I’m potentially driving you crazy. You’re always pleasant and helpful. You’ve given me a plethora of great professional referrals that have made my life significantly easier. You’ve kept me from making unnecessary mistakes, and you continue to grace me with your charming wisdom. Your website is unbelievable and your forms and checklists are completely awesome. You have every possible area covered!! In the short time period that I’ve known you, you have been a Total Blessing and Inspiration to me. I believe that you have a calling in your life to mentor and I believe that I may be headed in a similar direction. There’s no doubt that you are a part of God’s plan for my life. I am so grateful for all you’ve done and I look forward to many years of friendship in the future. I will be sure to give you your props when I’m on the cover of Fortune in a few years (smile).

Many, many blessings to you and your new wife, Mary!

Gratefully,
Marcy Myles

In January 2004, I first began reading about creative real estate investing.  I read various "guru" books and attended many local investor association meetings.  By mid-February, I was in the trenches, marketing like crazy with bandit signs, flyers, ads, and birddogs.  In March 2004, I saw Minh speak twice and was very impressed by his professionalism and knowledge about this business.  But I wanted to make absolutely certain that if I partnered up with a mentor, I would be partnering with the very best.  So I spoke with several of his current and former students, and they all had the highest praise for him and the systems he has established.  I decided to attend his Lease Option Seminar, and after it was over, I went to the bathroom, looked in the mirror, and knew that the financial and professional commitment I was about to make was a huge step.  My confidence in Minh's program was what pushed me to take the step of signing up for his mentoring program.

Without a doubt, this step was the BEST decision I have made thus far in my brief real estate career.  I am naturally a very aggressive business person, and Minh took my drive and channeled it in a way that ensured my success.  On one of my first few leads, I was scared and did not know how to obtain comps.  That afternoon, after Minh had walked me through exactly what to say and how to carry myself, I walked out of a local real estate office with comps in my hand.  This may seem like a small step, as it did not bring me an immediate deal, but it taught me how to complete that particular piece of the puzzle and gave me the confidence to take the next steps of moving toward my first deal.  Between the end of March and the end of April, I negotiated with several potential sellers.  I can say with certainty that Minh's instruction on how to NEGOTIATE was invaluable.  By the time my "slam dunk deal" came around in late April 2004 (which came from direct mail marketing), I was polished, confident, and ready to do the deal.  I cannot emphasize enough that Minh's savvy understanding of the negotiating process is THE reason every new investor should sign up for his mentoring program.

On this "slam dunk deal," we got a 3 bedroom, 2 bath house on 1.5 acres under contract for $65,000.  The house needed approximately $30,000 in repairs, but had an after repair value of $160,000.  Once we got the house under contract, I was very impressed by the fact that Minh allowed ME to decide whether I wanted to wholesale the deal for quick cash or try to rehab it.  We discussed at length the pros and cons of each, and in the end, he left the decision up to me.  Other mentors may have been greedy and tried to convince me to go for the big money (by rehabbing).  But Minh advised me on my options, and because there were several potential risks with the tenant that occupied the property and some repair work that the house needed, I decided to wholesale this deal.

Once this critical decision was made, it truly felt like I was IN THE GAME.  I put the word out that I had a hot deal and experienced investors were beating down my door to give me money.  It felt great!  In the end, we wholesaled the property to a cash buyer for a $20,000 CASH assignment fee.  The day I got $11,500 ($10,000 for my half of the profit, and my initial $1,500 back) wired into my checking account was my greatest day thus far in this business - when I saw it post into my bank account, it made me a believer in the viability of this business.  There are many doubters - friends, family, acquaintances, and so-called real estate professionals (realtors, mortgage brokers, etc.) - that will try to tell you that this business won't work in THIS hot market.... well, with Minh's help, I have proven them wrong.  And I intend to do it again and again!

In every way, Minh is an absolute professional.  His integrity, knowledge, tireless assistance, and genuine concern for the success of my business has given me the skills, motivation, and vision to turn this part-time business into a full-time business just as soon as possible.  When I signed up for Minh's mentoring program, I had already been accepted to several law schools and was set to begin my legal education in Fall 2004.  As a direct result of the knowledge and confidence Minh has given me, I have decided to build a long-term real estate business in lieu of becoming an attorney.  Don't get me wrong - I have not quit my job and I am going to grow my business in a responsible way, but I have no doubt that in one to two years, I will have a thriving business and an outstanding portfolio of real estate holdings.  And that brings me to my final comment - since becoming one of Minh's students, I used creative marketing to locate and purchase my own personal condo.  I bought a 1 bedroom condo on the DC subway line about 45 days ago, and I have approximately $50,000 of equity in it.  This equity is not due to the crazy appreciation that our market has seen recently and so many folks are continuing to count on...  Rather, it was because Minh helped me negotiate to purchase this condo at the right price and under the right terms.  Minh spent hours helping me negotiate this deal and write this contract, even though he never made a single penny off of this deal.  To me, this demonstrated that his concern for my success in building my wealth was not a short-sighted desire to make half a deal's profit, but rather to help me build my knowledge and give me the tools to become a successful, wealthy, and intelligent investor and entrepreneur.

For those who may be uncertain about Minh's mentoring program, let me recap the numbers:  I spent $1,500 to join Minh's mentoring program in March 2004 but got EVERY PENNY back once we did our first deal - so I really got FREE MENTORING.  As for profits, I have made about $60,000 in just a few months!  Now that's PHAMTASTIC!

For all your help thus far, THANK YOU MINH!  I can't wait to do more deals together soon.  You are a great mentor and friend, and I have the highest respect and appreciation for your program!

ML
June 15, 2004

Minh,

Thanks to you, your team & expertise in the world of Real estate investing, we walked away with $15,000+ on my first wholesale deal AND with NO MONEY out of my pocket!

In this deal there were many obstacles (no title and negative title search results, not having constant access to property due to guard dod etc.) to over come with the property and you guided me through it all!

It's uncanny that when I got the first offer and turned it down, the following week I received another offer from the same folks and told the agent to turn it down and just when I hung up the phone, you called! I told you what was happening and I was letting my personal feelings & desperation to complete my first deal cloud my judgement. You kept a level head and told me to accept and why!

You even went as far as to call me twice while in Jamaica, for your wedding, just to answer any lingering questions I still had and to role play the possibilites before going to the settlement.

In the very few months since I joined your mentoring, I have had (2) short sale opportunities (didn't pan out) and one whole deal! All of this was a result of the advertising techniques you told me about, signs, letters, flyers etc.

I am currently working on a deal with an acre that can be subdivided with an already exhisting house and another can be built on it. This is from my 4 month letter campaign to the owner who had the property on the market for more than 120 days and didn't sell it. He responded to my letter.

I can't wait to try out your Lease purchase technique!

Best regards,
Charlotte Prado
HomeBuyer's Network, LLC

Minh,

In the end, it wasn’t that difficult. You made it easy to successfully close a profitable transaction. Compared to my disastrous deals from before I met you, I am very happy to have closed my first deal which paid out $22,800. Each step of the way you were there for me to bounce ideas off and check over my documentation and numbers to ensure they were correct. Right down to the last minute, when you caught that my name wasn’t on the HUD-1, you kept this deal and me on the right path. Thanks for everything and I look forward to more MASSIVELY PROFITABLE deals in the very near future.

Sincerely,
Thomas Zeeb
Prospice Properties, LLC

Dear Minh,

Thank you for presenting a first class Lease Purchase seminar. It was very well organized and presented a lot of very useful information. I understand how you structured your business and it is very fair, honest and beneficial to other people. I had my partner look at your manual and he was really impressed with you. Don called and said it is great to find someone who is above board and honest. I am also looking forward to your new club meetings. I have put a schedule of meetings together and a copy is enclosed. If we are ever in the position to use a Lease Purchase we will follow in your footsteps. I am talking to my son about getting involved in real estate and if he does I will be sure to get him in your next seminar. Take care, and I will see you soon.

With warmest regards,
Chuck Eisenberger

Dear Minh,

Last spring, I attended the AREIA Success Conference near BWI Airport and I was sitting in the audience that first day next to this fellow. We were waiting for the conference to start and to pass the time, I started asking him about his experience with REI and I finally asked who was he working with. This fellow told me he was working with Minh Pham. Who? He grew the largest smile and with supreme confidence said, “Minh Pham is the best thing that happened to me.” Who is this Minh Pham guy?

Well, Minh, you are one of the best things that has happened to me. I learned a lot from P&D but, for me, it was way too much at one time. There were other drawbacks to their program but the key-missing element was not having a local mentor to apply the REI knowledge to given situations within the jurisdictional legal framework. I needed this additional guidance. You have the knowledge, the documents, the contacts and the passion for this work. You get excited when your students do well. This passion for the work and enjoyment of your students shows so clearly in you. You provide great support and encouragement. The assistance you’ve given me has taken me through barriers to taste sweet success. What a difference you make!

The second thing I appreciate from you is the spiritual awakening you sparked through sharing your spiritual beliefs. It all is woven together; the spiritual transition, the REI experiences (and finally a deal!) and the direction I want my life to go in. All are lining up. All of this has come together from working with you.

I read a great statement but I’m unsure of the author. It goes like this, “Be still and know.” To me this means to quiet the internal uncertainties and know, deep within you, that all is well and getting better. I feel this now whereas just a few months ago, I was aching in my old way of thinking with self-doubts. I still have work to do internally but I’m in such a better place mentally thus I know it’s just a matter of time. All is well and getting better!

Fondly,
Elizabeth Rogovsky

Dear Minh,

First, I want to apologize for being out of touch for so long. I think that the last time we spoke was at Bill Smith's Christmas Party two Christmases ago!

I kind of backed away from real estate for a while because I didn't have enough money to market effectively. Just as you taught me, no marketing, no deals. I got a bit down about not getting any deals and told myself that I would just focus on my job.

But every couple of weeks, I got an email from you talking about building financial freedom. Or