locationThis issue we’re shining a spotlight on specific US markets while encouraging you to think about the larger picture of the real estate industry as a whole. Now more than ever, prudent real estate investing is about more than simply picking a hot market. Successful investors need to be relentless in their pursuit of knowledge. Given the multitude of facets both within and affecting the real estate industry, like local market conditions, financing, global markets, job growth; knowledge is key. No one has time to digest it all; that’s why we’re here. We’re excited you’ve taken the time to connect with us, and hope that by continuing to funnel you juicy nuggets, we can help you in your quest for useful investing knowledge.

We’ve taken a look at real estate investing via some broad brush strokes across market conditions, investing strategies and trends. Before we dive into specific markets, we’ll share a few thoughts for you to keep in mind. First, when we talk about real estate investing, remember, we’re not solely referring to the single family home sector, like many mass market sources. Multi-family housing, commercial, rental, retail, development, etc. are all part of the greater real estate industry. (More on that here insert link to previous post.) Second, it’s important to take stock in the overarching market conditions and investment climate.

While market conditions are stabilizing, the real estate volatility of the past few years has been too ferocious to be easily forgotten. Investors continue to demonstrate a propensity for mitigating risk in real estate transactions. At the same time, the increase in buyers coming to market creates more competition and drives up price. As prices increase many investors are shifting strategies as they look to skirt shrinking returns while remaining cautious. We mention investor sentiment because of its impact on activity within specific US submarkets along with the traditional economic factors like population, job growth and market affordability. We’re seeing this in two ways. The first is that investors are becoming more opportunistic, investing in areas close to major markets. This allows investors to hedge against smaller market volatility, while finding opportunities at a more palatable price point. Think Brooklyn to Manhattan or San Jose to San Francisco. The second is the trend for investors to seek the best asset class of investment in secondary markets. Remember the urbanization effect we discussed earlier in cities like Orlando and Denver?

We’ll take a look at markets in three categories. The first spotlight is on a state with three markets that continue to draw national and international attention for real estate activity. Our next two categories are the major markets and secondary markets. Major markets are the core DMAs you’ve repeatedly seen as real estate hotbeds: Boston, Manhattan, Los Angeles, Washington D.C. and Chicago. The secondary markets are essentially the markets outside of the majors that are doing well financially, but are smaller in population size. Many sources will subdivide markets even further, looking at tertiary markets or emerging markets, markets by geographical region, but we’ll save that level of granularity for future discussions.

Our first spotlight shines on the Lone Star State. Texas. While national urban population growth hovers around 2%, Texas continues to dominate with three cities seeing population growth 2-4x the national average. Austin leads at 8%, followed by Dallas as 4.2% and Houston at 3.6%. Austin is becoming synonymous with modern mixed-use developments for live/work/play, and is continuously ranked among the country’s most diverse cities. Mixed use developments combined with population and employment diversity bring an abundance of opportunities across all real estate investment sectors. Dallas/Fort Worth, the area surrounding the DFW airport is home to thousands of corporate headquarters due to its low cost of doing business. Most notably from the Fortune 500 List: Southwest Airlines, AT&T, Exon, Texas Instruments, GameStop and more. Given this giant corporate epicenter, job growth is predicted to hit a new high in 2015. Job growth, combined with the wide availability of raw Texas land attracts builders and buyers across all segments, with the single-family home, industrial and office space sectors predicted to show the most growth in 2015. While the multi-family and retail sectors closer to center city are beginning to feel constrained by supply. Houston, Texas’ most populated urban area remains strong with job growth fueled by the energy industry with additional growth in the construction sector pacing to set a new record. With high expectations for growth across all property sectors (single-family, multi-family, industrial, retail), Houston remains a prime market for real estate investors.

According to Price Water House Cooper’s research on flow of capital into real estate, the major markets continue to attract the largest investment dollars. With $154 billion invested in real estate in the major markets in 2014, investment levels have returned to nearly 70% of our last peak. The uptick in activity in major markets can largely be linked to the job market as well. For example, in Manhattan, while the financial industry has yet to recover to pre-recessionary levels, the growth of technology and media companies is filling the gap creating strong demand for office space and new development. More jobs attracts more people, with competition increasing in the rental market in major cities as a result. This trend isn’t limited to NYC alone. The technology hubs in Silicon Valley, Chicago, even Research Triangle Park in Raleigh-Durham are attracting companies and tech working millennials. Millennials, known to favor the urban lifestyle are increasingly able to afford the market of their choice, being one of the two largest age brackets to impact first time home buyers in 2015.
Our nation’s capital, Washington D.C., while not hit as hard as most markets during the recession, the government’s budget sequester in 2013 and 2014 hindered job growth. Home sales in D.C. have also suffered with a 2% declined in 2014. We expect 2015 to see home sale gains as much as 10% in our nation’s capital given its current pace for job growth. A pace, that is third in the nation in 2015, so far. D.C. is another market where demand will likely outpace supply increasing activity in neighboring markets like Northern Virginia and Baltimore, Maryland.

The other major markets like Los Angeles, Chicago and San Francisco are all on pace to reach 2015 pre-recessionary employment rates which will further support the upper market single-family home sector. Los Angeles, our gateway city from the Orient is seeing an increased amount of foreign investment activity in the hotel and apartment sectors. Shanghai’s Greenland Holding for example has continued to make US real estate investments. Since acquiring the Metropolis Project in Los Angeles from the California Teacher’s Retirement System in late 2013, they’ve made additional investments in the apartment sector in San Francisco and Brooklyn. In Chicago, it’s the multi-family and industrial sectors that look the strongest as Midwestern manufacturing continues to improve in one of our country’s most diverse urban markets.

Austin isn’t the only market experiencing increased population growth as a result of urbanization. Mixed used developments are popping up across the country with urban city center developments underway in 75 different markets. These types of developments bring a multitude of investment opportunities across sectors; residential, retail and commercial to name a few. Denver, Charlotte and Seattle are among the most notable followed by Raleigh, Nashville, New Orleans, Orange County, Portland and Oakland among the rest.

Considered a fully recovered market from the residential price standpoint, Denver Colorado is on pace to hit the largest percent increase in home sales in 2015, and could exceed 14%. Another secondary market they may surprise some is Des Moines, Iowa’s capital. Forbes recently added Des Moines to their list, “Best Places For Business.” Des Moines is also favored by the National Association of Realtors who listed Des Moines as one of the most affordable markets for millennial home buyers in 2015.

Phoenix continues to show up as an active market for real estate attracting investment across the single-family, multi-family, industrial, and hotel sectors. Phoenix is currently among the top five most active markets for new home construction in the US. New single-family homes remain relatively affordable in Phoenix compared to the national average. While affordability is attracting both domestic and international investors as well as first time homebuyers, we expect prices to continue to climb towards pre-recessionary levels in 2015.

One could almost say real estate investment opportunities exist in nearly every market for the shrewd investor. While we don’t underestimate the importance of market selection, around here we believe an educated investor who understands a market at its most granular levels while also having an awareness of larger real estate dynamics is an investor best positioned to capitalize on today’s opportunities.

fileThere’s a reason so many dating websites exist. Not everyone is a good match, and the process of finding ‘the one,’ for many people, is just that… a process. At the same time, limitless factors and human intricacies come into play: personality, lifestyle, goals and preference just to name a few. Investing in real estate can be likened to the world of dating. Not every investor or aspiring investor is best suited for every deal. Real estate is a robust industry with investment options running the full gamut of size, complexity and risk. Understanding your personal real estate investing profile, and within that the types of real estate investments that best suit you as an individual, is a personal decision. One we believe not only worth exploring, but paramount to your success.

Raw Land

As an industry, real estate has been around since mankind planted roots, post our hunter gatherer days. Real estate as an area for investing and growing wealth has become increasingly popular over the last five decades. Since before the Pacific Railroad, the first transcontinental railroad in the US, people have laid claim and profited from the sale of raw land. Even today, people continue to buy land hopeful its value will appreciate. Typically in raw land deals investors rely on a long term buy and hold strategy. Others purchase land with the intention of making improvements to add value as their strategy. Take for example a little area of Central Florida Swampland that now houses the largest, most visited theme park in the world. External factors can increase land value as well, like when municipalities invest in redevelopment efforts turning previously dilapidated areas into hip entertainment districts. Just ask Tony Hsieh of Zappos who moved his company headquarters and his personal home to downtown Las Vegas just steps away from the famous Freemont Street Experience.

Single Family Homes, Rehabs & Vacation Rental Properties

In today’s day and age, single family homes are one of the most common real estate investments in the US. Even people who don’t consider themselves real estate investors take pride in their primary residence as an investment vehicle. Some attempt to monetize their home by dividing their primary residence into multi-family housing, like the Greeks in Astoria Queens or the Irish in Boston. Many are successful, but just as many run into trouble with inspectors based on zoning regulations or when trying to sell their single family home that has been subdivided to include four kitchens.
Other investors in the single family home sector typically use one of a few strategies. Some buy homes to use as rentals. As a long term strategy investors hope to generate cash flow while covering the mortgage and property carry costs, while in theory the home appreciates overtime. Investors looking for shorter term strategies in this sector tend to buy homes with the intention of making enough improvements to able to sell them for a profit without the long term carry costs. Most recently when we think of investors rehabbing properties we think of the short sale and foreclosure properties, but in the early 2000’s, some investors were able to turn profits by buying into new home developments, holding for a few months and then selling. Rehabbing, or property flipping as deemed by the reality TV shows that glorify real estate investing, continue to gain attention as federal and financing regulations come into play; a topic we’ll save for it’s own future discussion.
Another strategy in the single family home market is to buy a property in a major tourist market that can be used as a vacation rental. The explosion of web-base ecommerce has made this sector even more accessible and popular with sites like AirBandB.com and VRBO.com offering investors self management tools. Investors interested in vacation rental properties need to pay close attention to local and state regulations. Hawaii continues to increase regulations for investors with rental properties. For example, absentee investors who aren’t fulltime Hawaiian residence pay an increased property tax rate and may be required to register for an annual business license with strict stipulations. One requirement currently in consideration in Hawaiian legislature is that investors be required to have an on island property contact. If you didn’t factor professional property management costs into your vacation rental overhead, that could have a serious impact on the profitability of your investment.

Multi-family Homes

Multi-family homes as investment continue to be a hot and expanding sector in the US. We shared more on that topic in our last blog post here. Multi-family homes, like duplexes, triplex and quads, are typically viewed by banks, for financing purposes, the same as single family homes. This allows investors to realize economies of scale since one loan can secure multiple units. Investors are able to generate income by renting out all of the units, or occupying one as their home and renting out the rest. Fewer buyers are looking for multi-family homes than single family homes, so investors in this sector face less competition.


Within residential real estate, investors categorize apartment buildings into two groups: small and large. Since the definition isn’t set in stone, generally speaking, apartments with less than fifty units are categorized as small, and those with more than fifty units large. Apartments are categorized by their size due to the differences in associated financing parameters. Small apartments typically rely on commercial lending standards. Instead of being valued based on comps, like single and multi-family housing, small apartments are priced and sold based on their income. Meaning, how many units are rented and their current average rent. Investors interested in exploring small apartment buildings as an option need to evaluate the strength of the rental market in the building’s area; specifically, a markets vacancy and delinquency rates. Often small apartment buildings utilize onsite staff for management and maintenance who will work for significantly reduced labor costs in exchange for being able to live on site. Small apartment buildings are among the less competitive real estate investment options since the more difficult financing keeps many small investors away, but the small size keeps them below the interest threshold of professional real estate groups. Investors who are able to add value by increasing rent, or decreasing expenses and increasing management efficiencies can realize significant returns.
Large apartment complexes are the ones you see all over the country. Many rich with amenities like clubhouses, workout rooms and swimming pools. While the amenities attract renters and help the complexes command higher rent, they also bring higher expenses to manage, run and maintain. Large apartment buildings or complexes also have additional expenses for advertising and marketing to fill units. These properties typically cost millions, but can produce stable returns with minimal involvement. Many are owned by syndications, which are small groups of investors who pool their resources.


Moving beyond the residential and rental sector, some investors focus on the real estate wholesale market. Wholesaling is the premise of making money in real estate by finding good deals, entering into a contract to buy, but then selling the contract to another investor. Contracts in wholesaling typically need to be assignable. Meaning the initial buyer can actually sell the contract to another buyer without the owner’s permission. Real Estate wholesalers typically earn a flat fee per transaction and have a significant network of investors willing to buy their contracts. Sometimes even sight unseen. Hard work and complex dynamics with distressed timeframes makes wholesaling difficult. However, successful wholesale investors are able to invest in real estate without a significant outlay of cash since they skirt closing on properties directly.

Alternate Real Estate Investments, REITs & Tax Liens

In looking beyond the traditional real estate investment sectors we’ve discussed, significant opportunities exist for investors interested in alternate options. Perhaps you’ve heard of some of these nontraditional real estate investments as investing in paper like REITs and tax liens.
REITs, short for Real Estate Investment Trusts, originated over sixty-five years ago. They were developed to give investors the benefit of investing in real estate with the ease of traded investments like stocks and mutual funds. Investors like the liquidity of being able to buy and sell REITs like stocks while getting the scale and transparency of publicly traded corporations. Through REITs investors can invest in large scale portfolios tied to all aspects of real estate like apartments, bonds backed by mortgages, commercial developments, hospitals, hotels, nursing homes, offices, shopping malls, student housing and more. REITs are categorized into two main types: equity REITs and Mortgage REITs. Equity REITs generate income from rent or the sale of properties they own. Mortgage REITs invest in mortgages or mortgage securities tied to commercial and/or residential properties. As an investment vehicle, REITs have proliferated both in the US and beyond with REIT offerings now in more than 30 countries. There are even REIT based mutual funds and ETFs (exchange traded funds).

Tax Liens

Tax liens can be issued for all types of property – residential, commercial, raw land. When owners fail to pay their property tax, the government has the authority to place a lien against the property. The tax lien is issued for the amount owed plus any fees and penalties of course. Property with a tax lien cannot be sold or refinanced until the lien is paid. Investors can buy tax liens at auction. Tax lien holders then have two ways to make money on their investment. The first is a right to collect interest on the lien from the property holder at rates from five to thirty-six percent for up to a year. Alternately, if the owner fails to pay the monies owed to the lien holder, the investor as a right to claim their property. The laws differ by state, and property seizure will not happen without a lawsuit, that will get expensive and complicated quickly, but a determined tax lien holder will be given ownership. With such attractive returns, tax liens can be a lucrative investment, although not without risk. Individuals interested in investing in tax liens need do their homework. Investors need significant market knowledge as well as an understanding of the law and an ability to manage the complexities that can arise, like multiple tax lien holders for the same property.

How do you know what’s right for you?

Shotgun weddings don’t have a high long term success rate, neither does rushing into real estate investing without a solid understanding of the type(s) of real estate investing that suits you best. For example, not everyone is cut out to manage tenants.
Dealing with renters and property maintenance takes a certain type of hard work that doesn’t outweigh the returns for everyone. You have to take stock in what you like, what you’re good at and what style fits with your goals, both short and long term. Your availability to capital, risk tolerance and personality will all also come into play. While we’ve hardly scratched the surface of the potential of real estate, our aim is to educate and inform you on real estate today, so that as an investor or prospective investor you are more empowered. As always, we look forward to your comments, questions and ideas.

A US real estate market outlook: what we saw in 2014 and what to watch in 2015.

We’re not huge fans of traditional New Year’s Resolutions per se, but rather, we believe in a continuous process of learning, adapting to change and always striving for the best possible outcome in each moment. With the end of January already upon us we’d like to take a few moments to take stock in what we learned in 2014, while keeping a keen eye on what to watch in the US real estate market in 2015. We realize, one could spend a lifetime analyzing 2014 data points, but we’ll save that for the Wall Street PhDs. Instead, our team has compiled a highlight reel of juicy nuggets to help you keep the pulse of the market.The US real estate market finished 2014 strong, showing continued signs of stabilization with a positive outlook for 2015. Join us for a pulse of the market across residential, commercial, retail and real estate development.

In 2014 the number of residential foreclosures fell to the lowest levels yet. Simultaneously, delinquent mortgage payees fell to the lowest level in six years. Combined, we see reduced home inventory as fewer short sales and foreclosures come to market. Home prices rose in 246 of the 277 cities tracked by Clear Capital, a provider of real estate data and analysis. However, in two-thirds of the cities with price increases, the gains were lower than they were the year before; another indicator the real estate market is stabilizing.

In addition to residential sales, home building is up for the third consecutive year, despite slow starts and stops in individual markets. Builders are beginning to trickle through the bottle neck of rebuilding labor forces and infrastructure in the face of today’s constrained financial markets. Even so, demand for single family homes continues to outpace supply given the previously mentioned decrease in short sales and foreclosures that had been previously been feeding the market. The National Association of Home Builders predicts this trend will continue well into 2015 as construction of single-family homes is outpaced by construction of multi-family units.

The multi-family residential sector continues to be hot, and not just in high cost markets like San Francisco and Manhattan. We’re seeing continued growth in multi-family housing nationwide. From the construction perspective, the US multi-family sector has seen five years of double digit, year over year growth. Rental markets are rebounding as well, with the majority of US markets reporting less than 5% vacancy by the end of 2014. As a result, rents continue to rise 3% on average year over year. At the same time, as more Baby Boomers and Millennials, the two largest consumer segments choose to purchase homes; we’ll need to watch for a fluctuation in demand in the rental market.

As we look at all the positive momentum in the residential sectors, we also need to take a look at consumers from a demographics perspective. The largest consumer segment to purchase new homes in 2014 was the upper-aged Millennials, the twenty-eight to thirty-four years old folks, also known as Gen Y, followed by Gen X and the Baby Boomers respectively. We look at consumer patterns by age bracket because buying patterns are influenced by age related factors like lifestyle preferences, life stage and income. This is especially important when evaluating real estate investments opportunities; although we save that full discussion for a later time.

As we look across the industry at real estate’s other sectors, like commercial, retail and development, not only did 2014 finish strong, but 2015’s outlook is promising as well. Commercial real estate, which is heavily influenced by our job market, saw significant recovery in 2014, realizing its biggest gains since 2006. National unemployment fell a full point from 2013, down to 5.6% contributing to the increase in office employment by over 850,000 employees. This increase in the workforce is fueling the sectors need for more office space. Office space vacancy levels fell only marginally at 30 basis points, ending 2014 at 14.5% from 14.8% in 2013, but overall, the sector is becoming increasingly active. Landlords are increasing rent and developers are taking on new projects. In 2014, new office space under development was up 74% from the previous year at 103.9 Million net new square feet.

In the retail space, the main driver of retail construction has been demand for Class A space. While most markets are experiencing a short supply of available Class A space, the tightened financial regulations combined with an acute awareness of our market’s recent volatility means developers remain cautious. For example, in the boom times, retail developers built on average 22.3 million square feet a year, with less than 30% of that space committed to leases preconstruction. In 2014, 88% of all new construction was tied to lease commitments from future tenants. So what does this mean for 2015? Analysts urge those in the space to remain cautious. While demand is clearly outpacing construction, big box and mid-tier retailers are still consolidating as consumer retail spending is sluggish to recover to pre-recessionary levels.

Stabilization of the US real estate market sounds great, but what does that mean? From an economics perspective that means we’re returning to the days of traditional supply and demand principles. Home buyers will continue to flood the market because they want to get in while prices are low. This includes international buyers looking to skirt volatility in their own countries. We’re also continuing to see record low mortgage rates. Despite seeing the biggest drop in mortgage rates in eleven years in 2014, average mortgage rates hit a new low of 3.63% for a 30 year mortgage, just last week, according to Freddie Mac. That’s lower than they’ve been since May 2013. Private lenders are reducing minimum down payments from 5% to 3%, following Fannie Mae and Freddie Mac. With mortgage rates this low and financing so readily available, it continues to be an excellent time not only for new home buyers, but for refinancing and investors as well. Especially, with so many current homeowners equity positive for the first time in years.

In 2015 the US is going to continue to see the expansion of development projects urbanizing the suburbs. Buyers and investors have more markets to choose from as developers continue to bring urban mixed use concepts to suburban areas. Suburbs aren’t just growing, their evolving. Today’s consumers want more thoughtful public spaces and mixed use offerings. They want retail, entertainment, residential and office space all in one place, and developers plan to deliver.

Earlier, we took a brief look at the generational groups driving new home purchase and rentals in 2014, but the bigger question is, “How will these generations impact the future of real estate?” FORTUNE describes the upcoming potential as the real, real estate revolution, one that has yet to even begin. Why? Millennials are the largest consumer base in the US. These youngsters have the largest amount of student debt in history, have joined the workforce during the country’s biggest recession since the Great Depression and as a generation have very different ideals about home ownership and career. More Millennials than any other generation are choosing careers with telecommuting as well as jobs by design like freelance. That translates into a real estate need for live-work space to accommodate this generation’s lifestyle. As the Baby Boomers approach retirement, the second largest consumer population, their lifestyle needs will change as a result of aging. Many will look to downsize homes, or opt for partial and full care facilities to meet their needs. As the needs of any one generation changes, society and the real estate market will have to adapt.

We all know past performance can’t predict the future, and no one has a crystal ball. We hope by sharing some key 2014 highlights along with some areas to watch in 2015 that we can help you keep the pulse of the US real estate market. In the words of Barbara Corcoran, “A funny thing happens in real estate. When it comes back, it comes up like gangbusters.”

2015 National Conference Announcement!

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Get your tickets now to the 2015 Renatus National Conference as we will Sell Out! The Conference is appropriately themed Catch the Wave! The Wave of Momentum is sweeping the Nation as Business is Booming and Checks are Zooming!

This conference will be revolutionary! Facilitated by proven industry professionals and Renatus top-income earners, this event will be a transformational renewal that will lead participants to unprecedented growth!

Glenn-Morshower-300x201The keynote address will be given by Glenn Morshower. Regarded as one the busiest character actor in Hollywood having more than 194 credits to his name, Glenn’s passion is found in inspiring audiences across the nation to go the Extra Mile. His instruction will enable you to create your success at a higher level.

Other featured trainers include Renatus Founder and CEO, Bob ‘The General’ Snyder; Emotional Fingerprint Creator, Woody Woodward; Internationally Renowned sculptor and creator of the Statue of Responsibility, Gary Price; The Supreme FAB Member, Nanci Rowe; #1 Income Earner, Scott Rowe; Master Trainer and Team Builder, Richard Stock; Marketing Expert, Bob Tierney; Real Estate Pro turned Marketing Pro, Hugh Zaretsky; Master Sales Trainer and Communications Expert, John Ferguson!

The seating is First Come, First Serve so Reserve your seat now!

2015_new_year1-300x187Renatus is excited for the upcoming changes that will boost the earning opportunity of every member of the Renatus community. Part of those changes affect those who have or will purchase the continued Education. All need to be aware of the rules that will go along with Continued Education going forward.

  • 1. Continued Education will be available to all those who are in good standing with Renatus and have purchased the AIT Xtream Plus package prior to January 1st, 2015. *
  • 2. All AIT Xtream Plus packages purchased after December 31, 2014 will be eligible for Complimentary Lifetime Access to the Renatus Education.
  • 3. Complimentary Lifetime access is only an option for Renatus community members that have purchased an AIT Xtream Plus package.
  • 4. All Continued Education owners who qualify for Complimentary Lifetime Access can pay the balance up to the $5000.00 limit in one lump sum or continue monthly installments.
  • 5. All previous installments will be counted toward the $5000 limit for qualified Continued Education owners.
  • 6. Complimentary lifetime access is offered to Xtream Plus owners who have paid the $5000 to Continued Education and have either:
    • A. Signed up for Continued Ed within 60 days of their education expiring OR
    • B. Signed up for Continued Ed before January 1st, 2015**
  • 7. All customers who utilized UGA to fund their AIT Xtream Plus package must maintain good standing in order to qualify for Complimentary Lifetime Access.
  • 8. Any UGA accounts that are moved to collections are not eligible for Complimentary Lifetime Access.
  • 9. Violations of Renatus agreements, Ethics issues or other Renatus inquiries may result in ineligibility to Complementary Lifetime Access.
  • 10.Nouveau Riche Regents package purchasers who have purchased Continued Education will continue to have access as long as they maintain the monthly installments. As of January 1st, 2015 Continued Education will no longer be available to any past Nouveau Riche students not currently enrolled in the Continued Education.

*All AIT Xtream Plus package owners may purchase Continued Education at any time after the redemption period expires.

**To qualify for Complimentary Lifetime Access, AIT Xtream Plus owners must purchase Continued Education within 60 days after their redemption period ends. If your redemption period ended more than 60 days ago, you have a one-time opportunity until January 1st, 2015 to purchase your Continued Education and have the payments count toward Complimentary Lifetime Access. When you purchase before January 1st, 2015 your payments count toward the $5000 limit that will get you Complimentary Lifetime Access.

Renatus Regionals are in Full Swing!

file (8)Renatus Regionals are in full swing! Whether you’re in California, Arizona, Chicago, Utah, Georgia, New York or anywhere in between, you have the amazing opportunity to attend a Renatus Regional. This year’s Regionals have included trainings from Renatus’ top leaders includingScott Rowe, Richard Stock, Nanci Rowe, Hugh Zaretsky, James Leis, Bob Tierney, Dr. Gary Lawrence and Renatus Founder and CEO Bob “The General” Snyder. Accompanying them have been internationally acclaimed sculptorsGary and Lisa Price as well as Success CoachWoody Woodward.
Many of these amazing events have been set up to be broadcasted nationwide so that no matter where you are you can take part in the action. While the focus of these events is training and empowering entrepreneurs, the community benefit is much greater. Each Regional is crowned with an awards banquet to feature those outstanding individuals who have worked hard, given of themselves, and helped teams achieve new levels of success! Fab member Richard Stock says that his favorite part of the regional is the awards ceremony because, “You have the opportunity to see the progress and growth of others.” When asked what his favorite part of regionals was Fab member James Leis said, “The regional events show us that Renatus is more than education, it’s more than real estate investing, it’s more than sales… at its heart, Renatus is a family.”
The entire Fab agrees that the most important element of the Renatus Regionals is that it brings the community closer together and takes the business from your head to your heart. Renatus has this amazing community and the leaders create these awesome events to support and strengthen everyone involved. Make sure that you don’t miss out on the tips, training, and experience that will help you kick your business into overdrive!

IMG_0900a1. I purchased an AIT Advanced package 3 months ago. I was told I have up to 12 months to upgrade to the Xtreme Combo? Is that still true? YES!
You have up to 12 months to upgrade to the Xtreme Combo, however, after 12/31/2014 the new price is in effect along with the new upgrade fee. Before 1/1/2015, the current price and upgrade fee is still in effect.

2. Is there anything that is grandfathered in? YES!
IMA’S – If an IMA agreement is purchased by 12/31/2014, one is grandfathered into the $30k bucket. If an IMA signs up on or after 1/1/2015, the bucket becomes $45k.
AIT Advanced Holders – Still have access to the 2 tracks selected to review during the 12 month redemption period. Can upgrade within the 12 month period to the Xtreme Combo at the new price and new upgrade fee.
Xtreme Combo Holders – Still have access to all 5 tracks and everything we have to offer during the 24 month redemption period. When new classes become available, they are included. At the end of 2 year period, Xtreme Combo Holders can initiate purchase of the Subscription for Continuing Education with a onetime down payment of $997.00 and pay $99.00 month until the difference in the price is paid. When the difference in price is paid in full, Xtreme Combo Holders have complimentary access for the life of the Renatus Educational website.

3. I already have a loan out with UGA, can I upgrade to the Xtreme Combo by 12/31/2014? YES!
It is possible to use UGA ONLY if you pay off the first loan in full prior to 12/31/2014. Then you can enter into another agreement with UGA no later than 12/31/2014 with all payments accepted. Example: One purchased the Essentials using UGA. Pay it off in full prior to 12/31/2014 to take advantage of this financing for the Xtreme Combo. 20% minimum down payment and $25 non-refundable application fee still applies. 

4. What if I already have my IMA agreement for 2014 and brought in one person for the Essentials, if the second person I bring in buys an AIT package in 2015 and I don’t have my AIT package yet, am I in the $30k bucket? YES! 
 You are grandfathered into the $30k bucket. However, the best scenario is to purchase your AIT package before you sell an AIT package so you can take advantage of reducing your bucket to $17,550.

5. What if I previously owned the Xtreme Combo AIT package and the 24 month redemption period has already expired? Can I still purchase the Continued Education? YES!
By purchasing the Continuing Education Subscription this will give you time to pay monthly on the price difference. When the difference is paid in full, you will have complimentary access for the life of the Renatus Educational Website. If you choose NOT to purchase the Continuing Subscription, you will no longer have access to any education.
For those who have purchased the AIT Xtreme Combo package prior to 1/1/2015 the Continued Education subscription will still be available. For those purchasing after 1/1/2015 it will not be available.

6. What if I forget to renew my IMA agreement for 2015?
If you forget to renew your IMA agreement for 2015, all entitled commissions and certifications will be lost. If you fail to renew your IMA agreement, after January 31, 2015 your bucket will reset to $45k owed to your mentor. If you joined as an IMA after October 1, 2014 and paid the $125 licensing fee, you are not required to pay again until December 2015.

7. If I purchase an AIT Xtreme package will get complimentary access to the Essentials as well? NO!
At the end of the two year redemption period for the Xtreme package you will receive complimentary access to the AIT course however, the Essentials package is only available to those who have purchased it.
Remember, your mentor is a great resource for answering your questions and concerns.

Mark Kohler’s Entity Creation

IMG_0250Mark Kohler has been serving the Renatus community for a long time and has facilitated the business structuring of many of Renatus’ members and has even consulted with Renatus CEO Bob Snyder. Mark has also helped many through his books Lawyers Are Liars: The Truth About Protecting Your Assets, a national best seller, and his latest release, What Your CPA Isn’t Telling You. He is a business attorney that works to help the small business owners succeed at a phenomenal price.Mark has not only spent time to record his Tax and Legal classes which provide amazing help on protecting assets in real estate investment but he has travelled the country helping our Renatus Community build their businesses to protect their hard earned profits.He offers an entity creation that is affordable and is done right.IMG_0341-300x200 Check out the webinar in your business center titled Business Structure Simplified in which Mark goes over all the benefits of having your real estate assets protected through business ownership.

Check out Mark and all the amazing services and products he provides by going to:


Or, check out his radio show at www.blogtalkradio.com/kkolawyers

Huge Income Impact!

file (7)Just like 1 asteroid can change the landscape forever, the Renatus Opportunity has experienced a Major Jump Forward. On October 20th Bob Snyder released the next evolution in Renatus! As always, passion is an essential key to successful business. Love what you do and you’ll never work a day in your life! Be sure that every member of your team and community reviews this Webinar… it has changed the scope of Renatus.

Did you miss the event? Do you have more questions or just need to review the information? The Webinar is now posted in the Renatus Business Center! Click Here to access your Business Center.

As Renatus marches toward a more profitable future, be sure that you enjoy every benefit available to you. This announcement will change your landscape and make your business explode with success and Booming Checks!

Are you In It To Win It? Renatus is your way to wealth and prosperity!

13 Success Killers

13SuccessKillersBob Snyder has released a powerful series of Founder’s Webinars. They are dedicated to the 13 Success Killers for both Real Estate Investors and Renatus Marketers. Each Webinar details potential pitfalls that lead people away from the money.

In these fantastic trainings Bob identifies the problems and how to easily resolve them. These trainings will serve both those who share the Renatus Opportunity and those that are products of it.

Take time to evaluate your business and find the success you may be missing out on. These trainings are found in the training section of your Business Center. Make sure you take advantage of another Powerful Renatus Tool.