Tax Lien Certificate Investing Guide - Tax Lien and Tax Deed Information
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Tax Lien Certificate Investors Are Getting Annual Returns of 16% to 50% Guaranteed by the US Government! ProfessorProfits.com - Tax Lien Certificate Investing Newsletter!
X Tax Lien Certificate Information - #1 Tax Lien Investment Site When You Invest in Tax Lien CertificatesYou Can Realize Safe, Certain And Predictable Annualized Returns of 16%, 24% Up To 50%-Guaranteed by The United States Government!
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Welcome to the #1 tax lien certificate investing site. If you're looking for the BEST tax lien investing and discount real estate investment information, you've found the right place! In this special report I am going to introduce an investment opportunity that produces returns just as high -if not higher than the stock market, and just as safe and secure as real estate.
In my opinion, there is no better way to get your money working for you then by investing in government issued, real estate secured tax lien certificates.
One of the major side effects of the recent recession is the inability of home owners to pay their real estate property taxes.
The collection of real estate property taxes is a major priority in every taxing district in the USA. If the county is unable to collect property taxes it is also unable to provide important government services like police, fire, and schooling.
To avoid this, the county places a tax lien on the property with delinquent property taxes and then sells the delinquent tax debt to investors. Everyone is happy, the county gets their money, the delinquent tax payer get's more time to pay their already past-due property taxes and the investor gets a real estate secured, high yielding investment.
Tax Lien Certificate Investors are Reaping Annualized Returns of..
16% per Year in all 15 counties in the state of Arizona 18% per Year in all 67 counties in the state of Florida 50% per Year in all 254 counties in the state of Texas For "risk-adverse" investors like you and me, government issued tax lien certificates are the ideal investment for your hard-earned dollar. Just imagine receiving predictable, high rate returns from the government. How is it that, "You ask?" Basically, you invest your money with the government and when the government collects the past due taxes, the government sends you a check, returning what you paid to purchase the tax lien certificate plus high interest.
Best of all these government-issued tax lien certificates are "fort-knox" safe. They are safe in multiple ways. They are safe because the rise and fall of interest rates has no effect on tax lien certificates. Interest rates on tax lien certificates are mandated by law. In Arizona it's fixed at an annualized rate of 16%. Specifically, "...all taxes bear interest from the time of delinquency at the rate of sixteen per cent per year simple until paid. A fraction of a month is counted as a whole month. B. Interest shall not be collected: 1. If the delinquency is the result of an error by the county assessor or county treasurer. 2. If the full year tax for the year is paid on or before December 31 of the tax year. (Sec. 42-18053)." In the state of Florida it's 18%. More specifically, "Real estate property taxes shall bear interest at the rate of 18 percent per annum from the date of delinquency until a tax lien certificate is sold (Sec. 197.172)". In addition to law mandated interest rates, tax lien certificates are secured by real estate. In the event the delinquent tax payer fails to pay the delinquent taxes and interest owed, the investor can seek the property as collateral.
In the state of Georgia, which sells a Tax Deed Redeemable, it's 20%. More specifically, "The amount required to be paid for redemption of property from any sale for taxes as provided in this chapter, or the redemption price, shall with respect to any sale made after July 1, 2002, be the amount paid for the property at the tax sale, as shown by the recitals in the tax deed, plus any taxes paid on the property by the purchaser after the sale for taxes, plus any special assessments on the property, plus a premium of 20 percent of the amount for the first year or fraction of a year which has elapsed between the date of the sale and the date on which the redemption payment is made and 10 percent for each year or fraction of a year thereafter (Sec 48-4-42)." You can get tax liens in almost any amount, ranging from $6 at the low end to several million at the high end. The best part is that these rates are fixed to stay high, regardless of what happens in the stock market, real estate prices, or interest rates. Two things can happen when you buy a tax lien certificate, either you get high interest rate returns or you get the real estate for pennies on the dollar as payment for the nonpayment of taxes and interest. The whole process begins when property owners let the real estate property taxes go unpaid. To get their money quickly the county sells the Tax Certificate Lien on a property that has delinquent taxes to an Investor. When the Real Estate Property Owner pays the taxes owed (Including Interest & Penalties) to the County or Taxing District, the Investor is notified to return the certificate. When the county or taxing district receives the Tax Lien Certificate, the Investor is paid the amount of the certificate, plus interest, meanwhile the county or taxing district has had the money it needed to run the government.
The tax deed procedure begins when real estate property owners let the taxes on their real estate go unpaid. After numerous warnings, notifications and public advertisement of the impending sale, the county auctions the property to the winning bidder (state laws differ).
Not all tax deed state's administer tax deed auctions the same, in fact, there are two possible tax deed scenarios.
Scenario 1: The county auctions the deed to the property, the sale of the property is final and the winning bidder receives a Treasurer's Deed or similar Deed to the real estate property.
Scenario 2: The county auctions the Deed to the property to the winning bidder, the Deed is encumbered or restricted by a "Right of Redemption" or "Waiting Period" meaning the property owner can pay the delinquent tax and penalty and still maintain ownership. Penalties can be as high as 20% in Georgia and 25% every 6 months in the state of Texas.
After the redemption or "Waiting Period" has passed, i.e. 12 months in Georgia and 180 days in Texas, the winning bidder Forecloses out the "Right of Redemption" and becomes the new owner of the real estate.
or The property owner pays the delinquent taxes and penalties within the statute mandated "Redemption Period" and maintains ownership of the real estate.
At tax deed auctions, the county sells the property to the winning bidder. Typically, the opening bid at a tax deed sale is just the back taxes. And in many cases it's FREE and CLEAR of all junior liens and mortgages. It's not too uncommon to pick up the real estate for 10%, 20%, 50% up to 95% below market value. It doesn't take a rocket scientist to realize that it only takes a few tax deed deals to make you wealthy beyond your wildest dreams.
You may be asking yourself, "Where do I start, and how can I get involved?" First, you need to identify what your initial goal is, how much time and money you can invest, your target rate of return and your deadline to achieve the goal. A word of advice, start out small, build confidence and then set a larger goal. Here is an example of a great beginning goal statement:
Tax Lien Certificate InvestorFinancial Goals Worksheet Today's Date: What's My Initial Goal? Learn How To Invest In Arizona Tax Lien Certificates.
What's My Time/Money Investment? 5 Hours a Week, $200 a Month What's My Target Return? Realize an Annualized Return of 16% or Greater.
What's My Deadline? Five Months from It is through honest evaluation and the setting of realistic goals with respect to the time and money you can dedicate to this investment, that you will be better able to identify the type of tax lien certificates you should purchase. For example, if you have identified that you are only able/willing to invest $200 per month then as you are browsing the list's of tax lien certificates you will eliminate any and all tax lien certificates that are more than your available investment capital. Likewise, if your target rate of return is 16% or greater you can eliminate the states with interest rates less than the desired rate of return.
When you Click Here and I will send you a state-by-state spreadsheet detailing the interest rates, redemption periods and number of counties in each and every state. This spreadsheet is helpful when trying to select the right state to begin with.
For example, auction type, bidding systems, foreclosure and deeding procedures, and other issues unmentioned here but covered in my training program.
Now it's time to contact the various counties. Don't limit yourself to contacting just one county, rather I would recommend that you contact 5-15 counties within the chosen state.
When you call, you will need to speak with the person in charge of collecting delinquent real estate taxes. Generally speaking, that person is the county treasurer or tax collector. Over the years of investing in tax lien certificates, I have discovered that most county officials are not tax lien certificate investors. Why? Because it is a conflict of interest and would pose an unfair advantage to the rest of the public. In addition, I have discovered that county officials are overworked and usually underpaid. Therefore when you call they may not want to spend a lot of time answering questions. Furthermore, county officials are limited on the answers they are allowed to give as they don't want to get themselves into a legal situation. However, they can give you answers to basic tax sale questions.
Your next step is to prepare for the delinquent tax sale.
Once the designated time has passed, the local taxing district will generate a list of liens to be offered at the upcoming tax sale. This list will contain all the properties for which outstanding property taxes are due. Generally speaking, most taxing districts and counties will hold the tax sale once a year, while others may hold it several times allowing investors to attend multiple tax sale auctions.
To ensure proper and timely notice, the taxing district must advertise a "Notice of Sale" in a newspaper of general circulation. In some states the tax collector is required by state law to send written notice of the upcoming tax sale by certified mail to the delinquent tax payers and interested parties. In most cases, the notice will appear in the newspaper for two or three consecutive weeks prior to the tax sale.
This period of notice is designed to allow delinquent tax payers adequate time to make payment of delinquent property taxes, fees, and interest charges. Practically speaking, the list published in the newspaper is not the one you are looking for, since many of the tax liens have been released as tax payers have stepped forward at the last minute to pay their property taxes. It would be a good idea to contact the local tax collector and get an updated list of tax liens to be offered at the upcoming tax sale.
In larger counties like Los Angeles California you may be required to pay a shipping and handling fee as the list can be as large as a phone book. In most cases the list is free and can even be downloaded from the county website.
Before attending the auction, you will want to reduce your investment risk through diligent research. You will want to narrow the list of liens to the one's meeting your financial goals and guidelines. Watch out for liens/parcels going through bankruptcy, are encumbered with IRS tax liens and other dangerous issues unmentioned here but covered in my book "Guaranteed Returns, Real Estate For Pennies on the Dollar". Prior to bidding, all bidders MUST provide the Treasurer or Tax Collector's Office with a completed W-9 and Bidder Information Form. These forms may be obtained from the tax collector or treasurer's office. After you have completed and turned in the required paperwork you will be issued a bidder's number. It may be written on a small sign, paper plate or just a plane old piece of paper. As you enter the room, you will quickly notice other investors, county officials and of course, the auctioneer. The auction begins with an announcement of the impending sale, review of laws and update of the list of liens to be offered at the sale. Many of the parcels are removed from the list because the delinquent taxes have been paid at the last minute.
The auctioneer will read the parcel number's, legal description's, and the amount of delinquent taxes owed. At this point the bidding will commence. Although there are some differences from one state to another, the bidding procedures can be classified into one of four types, which is discussed in my book "Guaranteed Returns, Real Estate for Pennies on the Dollar" The property or tax lien certificate is struck off to the winning bidder. At this point, the auctioneer will proceed to the next parcel on the list of liens until all liens are announced.
Typically payment for the tax lien certificate or tax deed must be received within 24-72 hours or within as little as 60 minutes. In most cases the tax collector or treasurer will only accept certified funds.
What next, well after full and timely payment for the tax lien certificate has been made, all you can do is wait, wait, and wait until the redemption period passes. As the owner of a tax lien certificate you have two potential out comes, if the delinquent tax payer steps forward and pays their tax bill within the statute mandated redemption period they will have to pay what you paid to aquire the tax lien certificate plus pay a penalty interest fee. Once full payment is received you will be contacted by the taxing district and ordered to return the tax lien certificate in exchange for a check in the amount you paid to purchase the tax lien certificate plus interest.
If the delinquent tax payer neglects to pay their outstanding tax bill and interest within the statute mandated redemption period, you the owner of the tax lien can foreclose the subject's right to redeem, wipe out all junior liens and proceed with ownership of the subject property. Bottomline? As an investor of tax lien certificates you will either get what you paid to purchase the tax lien certificate plus interest or receive the real estate free and clear of all junior liens through foreclosure.
As you know there are two ways to reach your financial destination, the long, painful and costly or the short, easy, and effective. Applied knowledge is power, take what you've learned and apply it, otherwise it all has been wasted.
The Ultra Rich have been Investing in Tax Liens and Tax Deeds for Years, Now it's Your Turn! I've been successfully investing in Tax Lien Certificate's and Tax Deed's for years and NOW I'm on a mission to reveal and educate investors about this incredible investment opportunity. In fact, you can leverage my years of experience and research to give you the jump start you've been looking for. I've created a complete training package and made it available at a very reasonable price. My Point Is: I've Done the Work For You.There's No Other Tax Lien Certificate Program Like This!
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With a firm understanding of the various tax lien and deed laws at work, you will learn and apply my "Practical Step-by-Step System" for investing in real estate secured, high yielding Tax Liens and Tax Deeds.
In Section Two: You will learn how to identify your Winning Investment Strategy, selecting the best state and county, getting registered to bid, obtaining the list of properties, extensive risk-reducing research methods, bidding procedures and strategies, foreclosure, taking title and realizing massive 16%, 18%, up to 50% returns.
In Section Three: you will learn How-to Avoid even Eliminate Hidden Risks like bankruptcy, IRS Tax Liens, Hazardous Waste, and other Serious Risks when investing in tax liens and deeds! In Section's Four and Five: I give a Complete Summary of every tax lien certificate & tax deed state featuring, law references regarding, persons to contact, interest rates, auction types, bidding procedures, costs, redemption periods, and taking title for all the tax lien certificate and tax deed states.
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Includes valuable pre-written form letters, that you can use when contacting county tax collectors and treasurers. Knowing how to invest from the comfort of your own home will save you thousands of dollars in airfare, hotel and car rental fees. "I thought that the ebooks were very clear and easy to understand as well as being highly informative and to the point. The information contained within is worth thousands and thousands of dollars. I would recommend that any one serious about being a smart investor buy these books and put it into action! --S. Roy London attended my first auction and bought a 1/3 acre lot appraised at $5000 for $1510. " --R. Rangel Thank you very much." --P. Camenisch successfully purchased 5 tax liens. Keep up the good work." --M. Brady your ebooks to be the absolute best guide anywhere on the subject of tax deeeds and tax liens." --J. Smoot high-quality and are a major productivity booster. I recommend them to any serious investor." --J. Dean I currently have a farm with 50 acres on lien and I stand a great chance of getting this for pennies on the dollar.
" --S. Kay very impressed with all the information I received, it was very clear and to the point. I can safely say that after reading the books, I feel very comfortable in purchasing my first Lien or Deed. " --J. Muss Toronto, Ontario "Overall your site had the most complete information I needed to find the various pieces of information I needed to go to tax liens sales. I have been purchasing tax liens from different states in the southeast and I used your site extentively before I went to the sales." --R. Young North Carolina "I attended my first tax lien auction after reading your material. It was interesting to see how the process really works, and how it was quite consistent with the proceedures that are described in your materials. " --W. Johnson New Jersey Personal coaching prices range from $2,500 to $25,000! Because I want you to succeed, you will receive a Personal One-on-One Quickstart Consultation when you order my course today. The value and, more importantly, the Impact of such personal support far exceeds the investment in my course and is Priceless!
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Massive Success, Steven E. Waters ProfessorProfits.com PS: These ebooks come in an Adobe PDF Document. Webtv users are not able to view these ebooks. To read these ebooks you must have Adobe Acrobat Reader 5.0 or newer, this program is FREE at http://www.adobe.com. Once your payment has cleared, you will be redirected to a secure place on our website where you will be able to download your ebooks at once. ProfessorProfits.com will, at its option, replace or repair any defective product within 90 days from the date of purchase. After 90 days all sales are final. Your credit card will display a charge by Clickbank.
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Tax Lien Certificate Investing Guide - Tax Lien and Tax Deed Information
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