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  • January 16, 2019 12:00 PM | Anonymous

    The court awarded $219,000 in damages for housing discrimination. Fair Housing Center of Central Indiana, Inc., v. Carolyn Smitley. Listen to learn the landlord’s HUGE mistake in failing to use an LLC as we recommend to investors.

  • January 16, 2019 12:00 PM | Anonymous

    St. Joseph County Courts require Landlords to post a cash bond or actual surety bond with the court whenever they are granted possession of their rental properties.

  • January 16, 2019 12:00 PM | Anonymous

    Update on successes with Bargersville utility Ordinance. Thanks for all who attended. You packed the house and democracy is working!

  • January 16, 2019 12:00 PM | Anonymous

    Calling all Real Estate Investors. We need your support tomorrow night to oppose Bargersville Ordinance making Landlord’s fully liable for Tenant Utility Bills. Seems impossible but 10 other cities are doing the same. Watch to learn more. Thank you.

  • January 16, 2019 12:00 PM | Anonymous

    This is House Bill 1347 in the Indiana General Assembly as sponsored by Representative Woody Burton, and initiated by Indiana State REIA. The bill makes sure that Tenants have to pay their own utility bills and that utility charges are NOT a lien on investor owned properties. This is the legislative response to local utilities like in Bargersville who are trying to force landlords to pay for tenant utilities. There are 14 towns doing the same thing around the State. Join your local REIA because they are the ones leading this fight for you (with yours truly as the lobbyist). Keep an eye on this bill and be ready to come to the Statehouse and make your voice heard. Thank you.

  • January 08, 2019 12:00 PM | Anonymous

    Small Tips for beginners

    Real estate investing can be an excellent way to bring in income, diversify your portfolio, and generate wealth long-term. However, this industry is not for the faint of heart. Before you rush into the world of real estate, you need to understand what you’re getting into in order to increase your chances for success.

    Do Your Research Before Investing In Real Estate

    Data shows that just last year, more than 9,300 people attempted to flip a house for the very first time. House flipping means buying a property, rebuilding and redesigning it, then selling it at a profit. Of those 9,300 attempts, a whopping 87% lost serious money on their very first flip.

    Unfortunately, too many people underestimate the challenges of real estate investing.

    While you need a lot of confidence, drive, and commitment to succeed in this fast-paced industry, it’s equally important to research before you even try to strike your first deal. Learning as much as you can will protect you from bad calls and wasting your hard-earned money on unprofitable projects.

    Real Estate Investing for Beginners

    There are three main things you need before you start investing in real estate: Property, Cash, and Discounts. This is especially true if you’re planning to flip a house for the first time.


    Get creative when trying to find your very first property. Established sites like MLS or are a great resource, but may not be viable for someone who’s just starting in the business.

    Instead, try to search for wholesalers and ask what they have available. Wholesalers publicly advertise properties that others may not be interested in. While they do take a cut, your profit margins are still considerable.

    Apart from wholesalers, you can also look for potential assets on sites like or even homes for sale on Craigslist and If you’re part of a real estate investors association, it gets even easier – you’ll get insider information from investors, agents, landlords, and other professionals who can give you leads not available to the public.


    Here’s a rule of thumb: no matter how much cash you might have right now, you need even more. The truly profitable deals are often beyond the financial reach of a first-time investor.

    To increase your fund, you can get a loan from private lenders to leverage your money. You can also use your 401K, retirement investment accounts, or your IRA.

    Don’t just look at your personal funds either. Check through your local network and see if there are people willing to offer their cash for a joint venture deal with you.


    Discounts are essential for keeping costs down when flipping houses, especially if you plan to resale. Find discounts for flooring, paint, cabinets, lumber – basically for everything you might need for your project.

    This is another instance where membership in a real estate investment group comes in handy. These associations often have partnerships with major and local stores for serious discounts which you may not get working solo.

    Start Your Real Estate Investment Journey with CIREIA!

    CIREIA has been helping first-timers like you break into the real estate industry for many years. Get exclusive access to educational opportunities, workshops, investor properties, legal updates, and a vast network of real estate professionals you won’t get anywhere else. Interested? Take a look at our Membership Benefits, and call us (317) 670-8491 for any inquiry!

  • December 18, 2018 12:00 PM | Anonymous

    Wire Transfer Fraud

    Wire transfer is one of the fastest and most convenient ways to move money electronically. Unfortunately, this has also made it one of the most common scams in the world today. If you’re a real estate agent who’s not aware of these schemes or choose to operate independent of a real estate investors association, you could be vulnerable to this con.

    Wire Transfer Fraud

    Wire transfer fraud is a crime in which an individual obtains money from another person through lies. The criminal asks the victim to wire them money under false circumstances, usually using an interstate communications facility or electronic communications.

    In a recent case, 74 people were arrested in the US and overseas for wire fraud. The multi-month law enforcement effort spanned the United States, Mauritius, Canada, and Poland. $2.4 million were seized, and around $14 million in fraudulent wire transfers were recovered.

    One of the accused, a man from Fort Lauderdale, allegedly hacked the e-mail account of a real estate attorney. He used the addressed to instruct clients to wire money based on misleading information. In one instance, the scammer’s account received $500,000 as payment for real estate.

    A Warning to Realtors Everywhere

    Not only are wire transfer scams devastating to the victims themselves, but unwary real estate agents can also be implicated in the process.

    Two years ago, realtors were already being alerted to the existence of these scams. Both the Federal Trade Commission (FTC) and the National Association of Realtors (NAR) issued warnings when scammers began posing as real estate professionals and service providers.

    As a federal crime, wire fraud is punishable by up to 30 years in jail, on top of restitution and fines. The truth is that even seasoned realtors can fall prey to this scam, more so those who are just getting started in real estate.

    The Making of a Wire Transfer Scam

    Most of these wire fraud scenarios include scammers pretending to be real-life real estate professionals with their clients as targets. The hackers steal their identities and use their e-mail accounts to give clients new instructions for closings.

    For example, the con artist will choose a long-distance buyer. They will claim that they (as the real estate agent) had sent the wrong account number or bank to which the payment should be wired. Since the victims trust the realtor, they will then proceed to send the closing costs to the new account.

    By this point, the money disappears without a trace, leaving both the real estate agent and their client no recourse.

    Protect Yourself Against Wire Fraud

    The first and foremost method to avoid falling for wire transfer scams is to educate yourself and your clients about it. Create a way to secure and verify all transfers between the two parties.

    Becoming a member of a reputable real estate association like CIREIA is another excellent way to protect yourself against scammers like this. You’ll gain access to the latest news regarding the real estate industry, network with experienced professionals, and learn insider information that’s very difficult to obtain as a non-member. Contact us today for questions on how to join and the many other benefits CIREIA can provide.

  • November 28, 2018 12:00 PM | Anonymous

    This is a quick review of yesterday’s court decision nd whether an investor bought a 5 Unit Apartment or a Single Family Home. Don’t make the same mistake as this investor!

  • November 23, 2018 12:00 PM | Anonymous

    Get Funds

    When it comes to real estate investing, one of the most common concerns is how to get funding for an investment deal. Far too often, traditional financing options like a mortgage or hard money are out of reach especially for those who are just starting out – and even for season veterans.

    For anyone who wants to succeed in the ultra-competitive real estate industry, thinking outside the box is a non-negotiable skill. So when it comes to raising money to finance your deals, a little creativity goes a long way to secure funding.

    5 Creative Ways to Fund Your Next Investment Deal


    Low risk yet high in potential profit, wholesaling is when you contract a home seller and market the contract for the home to interested buyers. It’s similar to flipping, except you never actually purchase the house or do repairs.

    You simply take the amount of the contract, find a buyer who’s willing to pay a bit more, then assign the contract to them — and you profit from the difference. CIREIA does not endorse daisy chaining in this field.  For details please attend the monthly sub-group on wholesaling on how to do this strategy the right way.


    This method is an excellent way to hone your skills at identifying profitable properties, grow your network, and enhance your reputation while earning money on the side.

    It involves finding properties with excellent investment potential. These properties are typically distressed and on the market for a discounted price due to remodeling or repair needs. If you’re a member of a real estate investment group, then it becomes much easier to gain exclusive leads.

    After pinpointing these properties, you present them to real estate investors and receive a finder’s fee.


    Real estate holdbacks are employed when the seller still has remaining contractual obligations to satisfy at the time of transaction close.

    It’s typically 5% or more set aside from the sales proceeds. To get funding, you need to figure out where the money will be used. Then, present an alternative solution that will get them a higher ROI.

    If you want to go this route, remember to employ tact during the deal. Your job is to present a better solution that will help them profit, not just your own gain.


    On a more personal note, you can also tap your friends and family to generate funding for your investments. This is especially effective when you have a proven history of successful deals.

    Make a promissory note that states how you will pay them back the money, which can be a certain amount every month. Then use their money to find profitable investments.


    To get money in a short time, consider taking out a home equity line of credit. You can get a large amount of cash with low interest. Take note however that some credit will ask for your home as collateral.

    Another way is to explore second mortgage installment loans. A significant advantage here is having fixed payment amounts and fixed interest rates.

    Lastly, think about taking out a 0% credit card. Use it to buy a property, do repairs, then flip.

    Join Central Indiana Real Estate Investors Association!

    If you’re willing to take risks and are confident enough in your abilities, you’ll find that there’s plenty of funding to go around – if you know where to look for it!

    As the largest non-profit real estate investors association in Indiana, CIREIA has been helping real estate investors of all experience levels for more than 30 years. As a member, you’re set to receive valuable education on how to generate wealth through real estate, both from traditional methods and more creative means. Call us today at (317) 670-8941, and let’s talk about building your future in the real estate industry.

  • November 12, 2018 12:00 PM | Anonymous

    Shout out and thanks to my client for sending me this beautiful Divine Mercy coffee mug. Enjoy learning a little bit about this gracious devotion and God’s message of mercy.