Issuu

Vol 09-15 September 2015

President’s Letter page 1 7 p.m. MAIN MEETING: 7 Ways to Profit from Foreclosures & “The Hidden Market” With Tony Youngs!

Page 3 L.O.T.S. Program Page 4 Online Mentor Program page 4 Welcome, New Members! page 4 Member Spotlight page 6 Automating Craigslist page 8 Government Affairs Update Page 10 Pre-Meeting Primer: Jefferson County Foreclosure Sales Page 12 How to Swing a Hammer Page 14

Monthly Newsletter for KREIA Members

To All Fellow KREIA Members: CHANGE IS COMING! Thank you to everyone who filled out the surveys at last month’s meeting. We had well over 100 surveys turned in, which is a record since I have been at KREIA. The reason for this was to give you guys, as members, the best possible content and learning experience within this organization.

Frank Miller

I encourage you, each member, to invite at least two of your friends or colleagues to one of our monthly meetings. In the remainder of the year if we have a meeting that tops 175 attendees, then I will personally raffle off a FREE TRIP to Gatlinburg, Tennessee, expenses paid for by myself and KREIA! If there are any concerns or suggestions with KREIA in general, please do not hesitate to contact me at FrankMiller6706@gmail.com What a great meeting we had last month with the SHARK TANK panel and the leadership of Eric George, your vice president, leading the program. I would like to give a shout out to all the Sharks on the panel for their expert opinions. Also if you did not know, there was a deal made that very next day from the Shark Tank meeting, where one KREIA member decided to take the deal and is now on the start to financial freedom! The September 24th meeting is going to be an exciting one! DO NOT MISS OUT. I promise you are going to learn more in this one night than you have the past 6 months in real estate. We have an exceptional out-of-town speaker by the name out of TONY YOUNGS coming to us from Atlanta, Georgia. He will be speaking about foreclosures, and how he has been able to amass an empire of real estate just through concentrating on this one topic of real estate. He is a very down-todown earth guy, and is loved by all with his laid-back approach, and is one of the most laid peakers around the country with National REIA. respected national speakers So we look forward to seeing everyone join us, and I am really excited to be your President and to educate and teach everyone about today’s hot topics of real estate. Sincerely, Your President, Frank Miller

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional pro advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Your KREIA Leaders

President Frank Miller

Vice President Eric George

Secretary Treasurer Treasurer Elect Davie Coffey Mike Grinnan CPA Wally Kallbreir

Board of Directors

Mike Butler

Tamara West

George Foree

Marcus Anderson

Rue

Jamie

Erik

Fred Helm

Stephanie Gomez

McFarland Greenwell Hitzelberger

Dan Jones

Fred Butler

Melvin Weathers

KREIA Newsletter published monthly and serves both as a newsletter and a reminder notice of your upcoming monthly meeting. KREIA is a members-only association focused on education, networking and resources for today’s investor and to educate real estate investors from the basics to the complex. We are an excellent choice for all levels of investors. Whether you are just starting out in real estate investing, or are working on your hundredth deal, KREIA can help you learn more, earn more, and have more fun doing it. To Subscribe to the KREIA Newsletter is simple and easy. Go to KREIA.com and join the Kentuckiana Real Estate Investors Association. Group Discounts are available. To Advertise in the KREIA Newsletter To Advertise on KREIA.com To Sponsor A Monthly Meeting To Sponsor A LOTS Program Please contact News@KREIA.com

KREIA Sponsorships Half Page Business Membership Ad + Table + Pre-Meeting Speaker Only $499

Business Card Membership: Ad Only $199

Event Sponsor: Meeting, LOTS, Parliamentarian Hank Schildknecht

Past President Dennis Erhard

Your KREIA leaders are involved and chair several committees to make KREIA happen every month for you and your fellow KREIA Members. Get involved with KREIA. You can help with the monthly meetings, L.O.T.S. Program, this newsletter, Saturday Workshops, Government Affairs, Social, Annual Picnic, Marketing, the new KREIA website and more PLUS You Get EXTRA KREIA Points for everything you do! Get phone and emails of all KREIA members with the new KREIA Online Member Directory.

Saturday Seminars, and more! -----------------------------------------------------

Place Your Ad Now at KREIA.com --------------------------------------------”KREIA Advertising is by far, hands down, the absolute best advertising dollar ever spent for Borders & Borders!”

Harry Borders, B&B Attorneys

Reach out and tell them they are doing a great job! (It makes them do more for KREIA!) Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

7 Ways to Profit from Foreclosures & “The Hidden Market” With Tony Youngs! During this 75-minute minute presentation, the attendees (YOU) will learn that there are 7 ways to profit on just ONE foreclosure! There is no shortage of foreclosures, so with 7 ways to profit, you will learn how to earn a consistent monthly income and develop a system and the discipline to apply it! You will learn how to deal with defaulting owners, discount liens and 2nd trust deeds or mortgages, buy defaulted notes, buy at foreclosure auctions, buy unlisted repossessed properties, properties in bankruptcy, properties in probate, and “hidden market” houses with no for-sale sale signs. The hidden market is the wave of the future! This is Tony’s specialty. He will teach you how to find 20+ hidden market properties per week. If you’re not making offers, you’re not making money. WHY IT IS IMPORTANT TO ATTEND: The competition is getting fierce out there! You will learn how to get an edge on the competition and get trained on how to find the best and most profitable deals. Other investors will be begging you to call them with your treasures! Your instructor makes approximately 20 offers per month and knows what works. He has a gift of passing it on to you in an easy-toeasy understand format and you will be ready to roll.

Welcome, New KREIA Members! Ryan Rube Bryan Viar Katie Crotzer Joe McElfish Gary Kininmonth Sergio A. Rodriguez-Lopez

Lorana Martin Rob Roeding Karen Peterson Nicole Jackson Iantha Spalding

12 sessions Full Access for 90 Days! Member Discount SAVE $300

LOTS Address will be emailed to Active Members AFTER Meeting

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

From: Gordon Brown Home of the Innocents To: Rue McFarland KREIA Rue, Alan Johnson’s father

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Chuck Burke City You Grew Up In Louisville High School Attended Manual High School College Attended Bellarmine Current or Previous Profession(s): My endeavors and day job have been centered on programming and online/web development for almost 30 years. My mother was a realtor for a time in the ‘80s and gave me the investing bug. I became serious about buy-and-hold during the recent recession when properties were incredibly inexpensive. Share More About You A Serial entrepreneur and fat guy who likes food a lot. :) KREIA Member since 2014 Referred By N/A Why Did You Join KREIA? To continue my education and network with local investors and others in the industry Why Are You a KREIA Member? I've found the speakers, pre-meeting presentations and networking to be invaluable! Hobbies, Passions, and Fun - Bicycling, fitness, MMA and martial arts, real estate, TV and Movies and did I mention food? What Do You Like About KREIA? Meeting and education Your Real Estate Investing Preferences ? Primarily SFR buy and hold. I'd like to diversify into commercial property at some point. Multi family scares me but who knows... Your TOP 3 TIPS for Investors - 1. Don't pay retail for anything, you can't make a living like that. 2. Spend time investigating prospective tenants or you will be sorry. 3. It doesn't matter whether you're renting low or high end. There is competition for your tenants, so don't scrimp and provide a quality product at every price level. chuck@oohology.com E-mail Cell Phone (502) 552-3918 Company Name OOHology LLC and Mojo Property LLC -----------------------------------------------------------------------------------------

Visit KREIA.com to view More Member Spotlights Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Copyright MMXIV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Automated assistant emails you when the good stuff hits Craigslist By Lauren Willoughby Do you search for real estate deals on Craigslist? Have you ever wished Craigslist would just save you the bother of sifting through all those listings and simply email you links to the ads you’re looking for? Your wish is granted, thanks to the web app IFTTT (ifttt.com) and its “recipes.” IFTTT stands for “If This Then That.” If you’ve studied BASIC programming, a light bulb is probably going off in your head right now. Yes, IFTTT does exactly what you’re thinking it does. It monitors something (a “channel”) and waits for a condition to be met (that’s the “If This” part). And when the condition is met, it springs into action and carries out a task (that’s the “Then That” part). IFTTT supports more than 200 channels, which include websites and services like Spotify, Amazon Echo, Gmail, Google Docs, Twitter, eBay, Nest Thermostat (and other smart home devices) and, of course, Craigslist. So imagine that IFTTT is a connector that lets you write simple programs — er, recipes — that span the whole Internet, linking channels and even your very smart home. A recipe could be something like... IF an ad appears in Louisville Craiglist’s Real Estate section containing the word motivated, THEN send me an email. But if you’re not depending on truly motivated sellers to describe themselves as motivated, you could add some other words to the mix. Maybe have Craigslist be on the lookout for words like fixer, handyman, owner, lease or finance. Search for whatever happens to be your secret sauce. Setting up a Craigslist recipe is easy, but it’d take a lot of space here to describe it — and Jaren David Barnes did such a great job over on BiggerPockets that it’d be a shame if you missed it. So for the step-by-step lowdown on how to put Craigslist to work for you, check out his blog post there: http://goo.gl/WL81kd

The Logsdon Group Shaun Logsdon 502-657-9534 shaun@thelogsdongroup.com

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Government Affairs Update Greater Louisville Association of REALTORS Government Affairs Update August 28, 2015 Louisville Metro Government

LOTS Program, September 1st, 2015

1404 Community Way Louisville Kentucky 40222 Host: Alex Parker

As mentioned in several updates in the past, the Louisville Metro Council has continued to hold Ad Hoc Land Development Code Committee meetings on the proposed changes to the Land Development Code that GLAR was a part of over the past two years. The Ad Hoc Land Development Code Committee chaired by James Peden held its last committee on the subject on Monday August 24th at 3 p.m. at City Hall. The purpose of this past meeting was to discuss and vote on the Affordable Housing sections of the proposed changes. The Ad Hoc Committee on LDC met and the Mixed Residential Development Incentive was the main topic of discussion and passed committee. This was the amendment to the land development code that was recommended by the Subcommittee and Main Committee, which promotes and encourages residential developments that include a mixture of housing types (single & multi-family) and a mixture of price points. It would allow multi-family residential development to occur in certain single-family residential zoning districts without requiring a zoning change. A density bonus is also offered in exchange for a commitment to provide multifamily units and affordable units. At the last full Metro Council meeting, the Council gave final passage to this amendment and now it will be incorporated into the Code, and development will have the opportunity to use this incentive.

Rue McFarland email: ruemac@bellsouth.net cell: 502-552-6672

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Jason Hanson 502-648 648-6117 Jasonhanson1981@gmail.com

Craig Jennings Third Generation Contracting 502-822 822-6261 craig@thirdgenerationcontracting.com

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Jefferson County Foreclosure Sales The undersigned will be conducting the pre-meeting on Thursday, September 24, at 5:30. The featured speaker, Tony Youngs, will be talking about your opportunity to earn money through foreclosure sales. The purpose of this article and our pre-meeting is to give you some working knowledge of the Kentucky foreclosure process. There are usually between 100 and 150 properties scheduled twice a month for sale by the Jefferson Circuit Court Commissioner. The sales are held at 10 a.m. on Tuesday mornings, currently at the Kentucky International Convention Center on the second floor. Generally a number of the sales are withdrawn for a variety of reasons, such as a last-minute bankruptcy filing. The properties are sold on a where-is – as-is basis. Therefore it is essential for you to view the property before you decide to bid. While you might not be able to inspect the inside of the property, you can certainly drive by and observe the house from the street. You cannot get out of your bid and obtain your deposit back just because you change your mind after the sale. The properties are generally sold free and clear of all liens and encumbrances, including back taxes. However, read the fine print in the sale bill. Occasionally a property is sold subject to back taxes and/or a first mortgage. The highest bidder must give a cash deposit immediately after the purchase. The deposit is based on the amount to be raised, and the range is usually between $1,000 to $5,000, though it can be higher. Within thirty days’ date of sale, one-fourth of the bid must be paid into court, and you must post a bond guaranteeing that you will pay the balance of your bid into court. The balance is due within six months of the sale date. Note that the unpaid balance of your bid carries interest at the rate of 12% per annum. The Court will not issue a deed until the entire purchase price and interest are paid into Court. However, you are entitled to possession of the property when the Commissioner’s report of sale has been approved and confirmed by the court. The Court designates two disinterested agents to do a drive-by appraisal of each property prior to the

sale. If the highest bid is less than 2/3 of the appraisal, the owner of the property as of the date of sale has six months to redeem the property by paying into Court the bid amount plus interest at the rate of ten (10%) percent per annum until the money is paid to the Jefferson Circuit Court Clerk. If you have bid on property and the owner redeems it, you will be able to get some of your out-of-pocket expenses back for some expenditures such as for taxes, insurance and necessary repairs, upon proper proof to the Commissioner. Also, if the United States of America is a party to the action for any reason, usually an IRS tax lien, there will be a right of redemption in favor of the federal government, which generally is 120 days from the date of sale, but can be as much as a year. You have two (2) weeks after the sale to file objections to the sale if your title examination reveals that even after you pay Upcoming Commissioner’s Sales http://www.jeffcomm.org/upcoming-sales.html your entire bid into court, you would not get good title to the property. The Commissioner’s deed has no warranties of title. Therefore it is essential that you have a thorough title examination conducted on the property immediately after the sale so that you can file exceptions in a timely manner. The Court will not allow you out of your bid simply because you change your mind. However, if you prove that you cannot get good title to the property, the Court will order that the sale be set aside and you get your deposit back, or that the party that ordered the sale clean up the title. If you are interested in the process, we would recommend that you attend a few sales (without any money) and track some of the properties and see what happens. This is a general overview of the process. More will be discussed at the pre-meeting, and you can give us a call if you have any questions. Looking forward to seeing you at the pre-meeting. Henry Schildknecht Attorney at Law 502-893-4494 Phone hankatty@gmail.com

Brad Lammi Attorney at Law 502-893-4494 Phone lammiatlaw@gmail.com

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

It’s Hammer Time Educate your inner handyman: Here’s how to go hands-on By Lauren Willoughby Odds are you didn’t get into real estate because you wanted to swing a hammer. But a little knowledge of how your houses are put together and why your contractor does what he does can only help you become a better investor. Short of signing on as an apprentice carpenter, how can you learn some serious carpentry skills? One way you’ve probably never thought of is to hang out at LVL1. It’s a Louisville organization where makers of all stripes — inventors, tinkerers, do-it-yourselfers, robot builders, engineers, hardware hackers and software coders — meet to share ideas and work on projects. LVL1’s workshops would make Santa’s elves weep with envy. Walk into the wood shop and you’ll find a selection of hand tools. Put on some safety goggles (supplied if you forgot yours) and step up to the power tools — table saws, Sawzalls, lathes, a drill press and even a CNC machine that’ll do automated cuts via computerized instruction. Wander over into the metal shop and check out the welders. LVL1 even has a 3-D printer and a laser cutter.

And the folks there will let you use their tools for free. Not only that — they’ll teach you how to use them if you don’t already know how. If you show up at 6 p.m. any Tuesday, you can join that week’s Learn-a-Thing session. If there’s a tool you don’t know how to use, just ask, and someone will demonstrate how to use it safely. (One of the group’s few rules is that if

Nathan Armentrout, left, and Jared McNeil in LVL1’s wood shop

Viral Property Consultants Andee Gerton 502-277-2457 viralpropertyconsultants@gmail.com

The Property Medic LLC Jeff Colgate 502-645-4375 jc4propertymedic@gmail.com

Blue Fish Properties Brock Halstead 502-386-4908 brockhals@gmail.com

Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

you don’t know how to use something, don’t use it. But Raising the roof on a tiny house someone can usually be rounded up to teach you.) While there aren’t many official leaders in the group By day Nathan Armentrout is an electrical engineer, but by — LVL1 is proudly egalitarian — there are some night he turns maker and heads up LVL1’s “Tiny House, Big generally acknowledged experts and newbie-wranglers. Impact” project. The main goal is to teach DIY and making skills — including CAD Want to learn about woodworking and carpentry design, framing, drywall installation, plumbing and electrical work tools? Ask for Jared McNeil, a guy who’ll show you how — to Louisville folks in hands-on fashion. to clamp up a piece of wood and take action. It’ll be a focused microcosm of house building: Armentrout says McNeil came up with the weekly Learn-a-Thing it’s everything you’d do to build a conventional house but within a sessions as a way of preparing for the tiny house build footprint the size of a room. The secondary goal, after the tiny house is finished, is to use it that LVL1 members are undertaking. as a mobile lab for promoting STEM (science, technology, Drawing on his background constructing sets for engineering and math) Atherton’s theatrical productions, McNeil — who now education to children works at the Kentucky Science Center and studies and adults. philosophy — radiates enthusiasm for teaching others. LVL1’s tiny house has passed the design phase, No request is too basic, he said. “Even if you say, ‘I though the planners have want to learn some woodworking thing,’ that’s OK.” not yet decided between Even if you don’t know a saw from a screwdriver, going completely tradiMcNeil is eager to help. “Don’t let that keep you away.” tional with the plumbing So if you’d like to learn how to use a specific tool or or opting for an eco approach. get his input on the best way to go about tackling your Beyond the planning, the project needs a bit of help. project — just ask. If you want to give him a heads-up, If you would like to volunteer as a construction worker and shoot him a question by emailing learn@lvl1.org. learn on the job, LVL1 would like to recruit you. Nathan Armentrout, the point person on the tiny If you have boards, flooring, roofing materials or other supplies house project, reiterates LVL1’s general atmosphere of left over from your latest project and are looking to give them a helpful camaraderie. “We’re a community of teachers,” good home, Armentrout would love to hear from you. If your company would like to sponsor the project and be he said. “We’re low-key and hands-on.” recognized on an awning that will accompany the tiny house on its Both McNeil and Armentrout encourage any KREIA future travels, send Nathan Armentrout some mail at member who wants to visit to feel free to check out the nrarmen@gmail.com. community resource that is LVL1. For more info, visit http://wiki.lvl1.org/Tiny_House If you want to know more, visit http://lvl1.org Rendering courtesy of Nathan Armentrout Or show up any Tuesday night at 8 o’clock for the weekly open meeting, where newcomers are welcomed, given an orientation and taken on a tour. finding LVL1’s piece of it can be a challenge for first-time LVL1 is located at 1205 E. Washington St. in The visitors. Look for the downward-sloping ramp west of Pointe complex, in Louisville’s Butchertown the intersection of Cabel and Quincy streets. neighborhood. The Pointe is a sprawling facility, so As a first-timer you’ll be asked to sign a liability waiver before exploring the 8,800-foot space, because Additional Resources LVL1 is a place where sparks can fly, flames can belch, and pieces of wood can go pinging off the walls. After lifelonglearning4u.com — Go back to school and pick up some all, science happens here, along with serious do-itskills with Jefferson County continuing education classes. The yourselfing — and even some cooking. next carpentry class starts on Oct. 26 at Iroquois High School If you join LVL1 at $50 a month, you’re given a key and costs $279. Also check out the plumbing, electrical wiring and HVAC intro classes. card and 24-hour privileges to the facility. If you don’t louisvillehabitat.org — Habitat for Humanity always needs join, you’re still welcome to come in and work on your volunteers to help build houses from the ground up. projects, but you’ll need to ask a member to let you in. workshops.homedepot.com — Home Depot offers weekly For an inventory of the tools in LVL1’s workshops, workshops for do-it-yourselfers. Sept. 26’s workshop addresses check out this list: http://wiki.lvl1.org/Equipment. insulation for residential construction. Copyright MMXV Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 509 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. perso The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other othe professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

PO Box 91225 Louisville, KY 40291 Return Service Requested

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KREIA’s Monthly Meeting! Thursday 5:30 EARLY MEETING –

Sept. 24th, 2015

Ky. Foreclosure Law - Attorneys Hank Schildknecht & Brad Lammi

MAIN MEETING 7 Ways to Profit from Foreclosures & “The Hidden Market” With Tony Youngs! Youngs 7 p.m. MAIN MEETING:

PRE-Pay Now at KREIA.com to Qualify for a Big Door Prize Drawing!