40K Flips

the september 2012

Millennium

ADDRESSING THE NEEDS OF MODERN INVESTORS IN NE OHIO, ENSURING A SUCCESSFUL, PROFITABLE FUTURE.

The Cost of Investing:

Understanding Hidden Fees

One of the most important things you can understand is where your money is going. That may seem obvious at ﬁrst because you have already selected some sort of investment vehicle -‐ whether precious metals, stocks, bonds, CDs, IRAs or others. But, do you know about the hidden costs that are taking money out of your pocket, regardless of how your investment performs? Knowing the fees you’re paying is criGcal if you want to achieve big returns and build long-‐term wealth. I want to spend some Gme here telling you about the fees associated with some of the most common investment vehicles and show you how, by puHng your money in a self-‐directed IRA, you have greater control over your money. Let’s start with how the process of seHng up this type of fund works, overall.

The Process

What is the speciﬁc process for moving/raising money? There is a 3-‐step process

(assuming we are using money from an IRA):

1. Set up an IRA account (with Equity Trust). I like to use Equity Trust

() Complete the simple account applicaGon with all the basics

including contact informaGon, beneﬁciary, and how the account will be funded

(other funding methods – transfer or rollover). Transfer – from exisGng IRA

account to an IRA. A rollover comes from an employers’ plan like a 401k (a

qualiﬁed plan, an employer-‐sponsored reGrement program from a for-‐proﬁt

business) or 203b (reserved for not-‐for-‐proﬁt types of businesses (schools,

government enGGes, non-‐proﬁts). Fees will also be covered in the applicaGon (I

always choose to deduct from transfer).

2. Fund the account through a transfer or rollover. Equity Trust has an Account

Transfer Form that makes it simple. Tip: choose the Express Transfer opGon (for

an addiGonal $50) to speed up the process. Most of the Gme when you’re

transferring money into an Equity Trust IRA, it will be in stocks, bonds or mutual

funds.

3. Make an investment.

Josh Cantwell, founder and CEO of Millennium Capital Investments & Sharp Concepts Realty.

A LOOK INSIDE

UNDERSTANDING HIDDEN FEES………………………………………….1

REAL WORLD INVESTING………………...……..…...4

BUILD WEALTH, IMPROVE COMMUNITIES……………............6

INDUSTRY NEWS & UPDATES….7

HOT INVESTMENT OPPORTUNITIES…….…….…......10

...............................12

……….12

PREFERRED PARTNERS………….15

Cont’d. next page

1

Hidden Fees Cont’d.

Fees with an Equity Trust account

The maintenance fee schedule is included in the applicaGon. The fees are small, ranging from $190 -‐ $2,000, depending

on the size of the IRA account. Most custodians (broker/dealers) of IRAs charge a very small annual fee ($15), so these

fees will seem high at ﬁrst. The reason why the fee is small in the grand scheme is, the other fees that other companies

charge includes a ﬁnancial advisor who will be paid a fee to sell the fund, and there will be a net operaGng expense (for

the avg. mutual fund is 1%). So an IRA with $500K, paying 1% in net operaGng expenses, that is $5,000/year. $5,000 to

the fund manager PLUS ﬁnancial advisors are paid a commission for selling a product (mutual fund, annuity, stock,

bond, etc.). The commission can be up to 5% (in this example, $25,000). So in the ﬁrst year, the expenses can be roughly

$30,000. At Equity Trust, the annual fee is minor compared to other ﬁnancial advisors’ fees. Saving a tremendous

amount of money by self-‐direcGng the IRA vs. leHng someone else do it for you. There are small addiGonal fees, but

many can be avoided easily. This is the ﬁrst thing you need to learn and understand – what the other guys are charging.

Fees For Other Investments

American Funds is one of the largest fund families in the world with thousands of mutual funds under their

management (, choose. Fund informaGon – All Funds). Ex. Small Cap World Fund – their

management fee is 1.09% per year to manage the fund. 10% gross return = net acer expense raGo is 8.91%. So with

$500,000 in an IRA, you get a 10% return, but actually make only 8.91%; instead of $50,000 proﬁt, you will make

$44,550 proﬁt.

American Funds = Small Cap World

Expense RaGo = 1.09% -‐ @10% = $50,000 proﬁt -‐ @8.91% = $44,550 proﬁt

A Share* commission = 2% (breakpoint) = $10,000 *see page 8 for an explana:on of Share Classes.

At end of year, say earn 0% interest, will lose $10,000 in commission, then fund will take 1.09% in management fee

($5,341) = $484,659 lec. Fees cost $15,341. Compare to Equity Trust – fee for $500,000 account is $1,500. Which would

you rather be in?

Rates of return inside the stock market are bad. In some cases, when you factor in the fees, returns are actually

negaGve.

Growth Fund = stock

investment

Bond funds have less turnover, so lower expense raGo.

Stock funds will have an expense raGo close to 1%, bonds will be close to ½%.

Cont’d. next page

2

Hidden Fees Cont’d.

Fidelity Investments is another popular one (ﬁ), known for low expenses and they do not work with advisors/sales reps. They have “no load” (no commission) mutual funds. With these, you are paying larger expense raGos and the rate of return is very low, especially when you compare that to real estate. There is a popular saying, “past performance is not an indicator of future growth,” but funds are sold based on past performance.

AnnuiGes/Variable AnnuiGes

AnnuiGes or variable annuiGes act similar to a mutual fund but when you buy the annuity, you get access to 40 funds

within the annuity and you can transfer money from fund to fund with no expense. AnnuiGes charge 3% commission up

front and a 2% expense raGo per year.

So, when examining diﬀerent invesGng opGons, look ﬁrst at any fees. Learn about some of the funds in which you might already be invesGng. IRA money, for the most part, is hands-‐oﬀ, “age 65 money,” most have a ﬁnancial advisor who has sold an A share, collected money up front and is not acGvely managing the money once the purchase is made. In most cases, you are dealing with ﬁnancial advisors who are selling a product and earning a commission on that sale. The commission comes out of your pocket and proﬁts. If you are invesGng with a money manager, the fee comes in the form of a money management fee, which can be on top of an expense raGo.

It is important to know where your money is going. You’ve worked hard to earn your money, so you owe it to yourself to know what is going in and out of your investment. Hidden fees can end up cosGng you thousands of dollars, if you’re not aware. With real estate, we can buy at ultra low prices so we can pay private lenders a signiﬁcant rate of return that they are not geHng anywhere else. I pay 12% annual interest or 15% of proﬁts on the deal, whichever is greater, if you fund an enGre deal. If not funding an enGre deal, I pay the 12%.

When you’re ready to learn how you can earn double-‐digit returns on your money with no hidden or buried

fees, call me at 216.233.5448. Don’t wait to get started… each day delay is taking your money away.

Disclosure: This is not a public oﬀering. This is not an oﬀer or invitaTon to sell or a solicitaTon of any oﬀer to purchase any securiTes in the United States or any other jurisdicTon. Any securiTes may only be oﬀered or sold, directly or indirectly, in the state or states in which they have been registered or may be oﬀered under an appropriate exempTon.

3

FOCUS ON SHARP CONCEPTS REALTY – YELLOW JACKET – D.A.G. – MILLENNIUM CAPITAL. A LOOK INSIDE JOSH’S INVESTING BUSINESS: PROOF THIS STUFF WORKS!

Real World Investing:

Smart Rehabs Bring HUGE Profit Potential

These are two of my latest rehab projects. I purchased both with my brother, Mark, who managed the rehab of both houses.

193 Heights Dr., Northﬁeld, OH, 44067

We purchased this house for $43,000 and put in

another $30,000 in rehab costs for a total of $75,000.

We’ll list the house for somewhere between

$139,000-‐$144,900, and probably sell it for $125,000-‐

$128,000.

That will leave us with a net proﬁt of somewhere

around $40,000-‐$45,000.

As with our other rehabs, we’ve put in new ﬂooring,

8973 Fairpark Ave., Canal Fulton, OH, 44614

We just put this house on the market with an asking price

of $149,900.

We’re into the house for about $70,000 with rehab and

repair costs.

We have roughly $80,000 to work with, so acer the selling price, closing costs and other fees, we stand to collect about $60,000 in proﬁts.

We followed our standard rehab formula on this one, with

new ﬂooring, paint, Gle and laminate ﬂooring and doors.

When we bought this one, the basement was ﬂooded, so there was a lot of work to do in the basement to get it dry, cleaned and ready for the new family.

4

You Need To Know...

Understanding Share

Classes and Commissions

In order to educate yourself and fully understand the fees associated with diﬀerent invesGng opGons, you need to know about the three diﬀerent classiﬁcaGons or types of mutual funds and stocks. Each class carries diﬀerent fees and expenses that are charged at diﬀerent Gmes. It is important to know these when you’re examining your personal investments.

• Class A Shares include an up-‐front commission. They carry diﬀerent sales charges with breakpoints

– the larger the investment, the lower commission

paid to the salesman/ﬁnancial advisor.

• Class B Shares do not charge an up front sales commission, but have conGngent deferred sales charge. If you sell the fund and redeem it, there is a fee. Also have a higher expense raGo and a back-‐ end commission.

• Class C Shares have a conGngent deferred sales charge of 1% with the highest expense raGo. The client is charged more each year to manage the fund. There is a small annual commission.

• Instrument: Real estate mortgage and

equity partnerships.

• Investment: 65% of the Acer Repaired

Value of the property.

• Property: All purchase in the Cleveland

suburbs.

• Security: 1st lien registered at the

Cuyahoga or Medina County courthouses.

• Interest rate: 12%ﬁxed return or 15% of

proﬁt, whichever is greater.

• Term: Up to 5 years.

• Income stream: Monthly, quarterl

annual interest payment.

Sample Millennium

Investment Scenario

Millennium Capital Investments oﬀers investments in real estate mortgages for savings and re6rement funds. The program is IRA eligible.

¬¬ Millennium Capital Investments, LLC designates a

property with a cer:ﬁed, appraised value of

$140,000.

¬¬ Investor makes an $80,000 investment for a ﬁve-‐

year term, which is 60% of the $140,000 Acer

Repaired Appraised Value.

¬¬ Investor is paid 12% interest per year on the

investment—in this case $9,600 or $800/month.

¬¬ Investor is returned his original investment of

$80,000 at the end of the term, plus interest at

%12 ~OR~ 15% of proﬁt, whichever is greater.

¬¬ Investor’s equity partnership bonus is 15% of

proﬁt. The property is re-‐appraised at the end of

the term and shows an increase in value from

$80,000 to $140,000 and sold through Sharp

Concepts Realty. AppreciaIon bonus is 15% of

the property’s appreciated value, 15% of $40,000,

($60,000 proﬁt minus price reducGons, realtor

commissions, closing costs, concessions, etc.) for

an appreciaGon bonus of $6,000.

¬¬ ROI Comparison

o A) 12% simple interest on $80,000 for 6

months = $4,800 ROI

o B) 15% of Proﬁt on $40,000 = $6,000 ROI

= 15% interest

¬¬ Investor ROI = (assuming 2 property ﬂips per

year) In a 1-‐year term turned their original

,000 investment into $89,6000 (@ 12%

rest), ~OR~ 15% of proﬁts @ a projected

proﬁt per property x’s 2 properGes per

r = $12,000 returned interest = 15%

ual interest.

5

Government

Subject Property:

7493 Ballash Road

Medina, OH 44256

3 bed, 3 bath

1,192 sq. ft.

Split-level, 2 acre lot

Selling price: $69,300

Check out to see what HUD

homes are available in any area.

• Last sold in January, 2000 for

$137,000

• Listed in 2010 for $169,900

• Rehab cost = $32,000 (mainly cosmetic repairs)

Buying HUD properGes is a simple, fast way to make consistent proﬁts – quickly puHng thousands of dollars in your pocket over and over again. What is a HUD property? A HUD property is one that used to have an FHA mortgage, but the homeowner was in default and was foreclosed on. The government owns the home (they insured the mortgage), so the seller is HUD.

HUD’s process for liquidaGng their inventory of foreclosed homes is to list all homes at or below bank-‐owned prices. HUD has their own brokers with whom they list. When they ﬁrst list a house, it’s only available to owner occupants for the ﬁrst 15 days, not to investors. Acer 15 days, it’s available to anyone.

There are disGnct advantages to buying HUD homes. All HUD

homes get winterized, cleaned out, properly secured, checked

regularly, have a sign-‐in sheet, and have their own lock system

with mulGple keys. There are no deed restricGons. Ocen any

major repairs have been done already, so there is not a lot of

work that needs to be done, ocen simple cosmeGc repairs.

The proﬁt potenGal for HUD homes is higher than with REOs because you can purchase the property at such a drasGc discount.

6

• Relist for $159,900

• HUGE profit potential!

Are you interested in investing in this property and realizing fast double-digit returns?

Call Josh today at 216.233.5448

Industry News & Updates

Mortgage Closing Costs Vary By State

Mortgage closing costs can vary widely by state, according to a recent survey by . The average closing

costs on a mortgage fell by 7% to $3,754, with New York being the most expensive with a cost of nearly $5,500. On the

other extreme is Missouri at $3,000. InteresGngly, Ohio ranks #11 on the list, with an average cost of nearly $4,000.

While Ohio’s costs actually fell by about $200, other states saw sharper declines, pushing Ohio up to #11 from last

year’s #18. So what’s behind the decline? A combinaGon decrease in Gtle insurance and other third party fees.

Mortgage Rates Rise For First Time in 3 Months

While mortgage closing costs are on the decline, actual mortgage rates are on the increase. For the ﬁrst Gme in over

three months, the rate for a 30-‐year ﬁxed rate mortgage rose to 3.55%, up from last week’s 3.49%. These are the

lowest rates since the 1950’s, when long-‐term mortgages were ﬁrst introduced. These historic low mortgage rates are

a big factor in the slow stabilizaGon of the housing market. Home prices, in general, are on the rise, and builders are

beginning to see an increase in demand for new homes. The low rates also encourage more exisGng homeowners to

reﬁnance, ulGmately meaning they will have more money to spend. The rise in mortgage rates came from a

combinaGon of recent news of Eurozone debt relief and “mixed domesGc indicators” such as sluggish employment

news and slow economic acGvity.

Foreclosure Errors Cost Banks $125,000… or $15,000… or…

Late last year, banking regulators set out to put a price on foreclosure errors for vicGmized homeowners. It’s going to

cost banks $125,000. Or maybe $15,000. Or perhaps just $500. Prezy clear, huh? How is the actual amount

determined? The regulators ﬁnally released their “framework” of possible outcomes from 13 diﬀerent mortgage

servicing “errors.” Each of the 13 errors has a diﬀerent level of monetary compensaGon. So homeowners now need to

know speciﬁcally how the mortgage servicer was in error, and also when in the process. As one would imagine with

such a cloudy remedy, the response has been less than enthusiasGc. So what egregious error earns the top $125,000

payout? One of three circumstances: acGve duty military who were foreclosed upon while under the protecGon of the

Servicemembers Civil Relief Act; homeowners who ended up in foreclosure thanks to a bank’s error and those who

were in trial modiﬁcaGons when the bank iniGated foreclosure.

Did We Bodom Out Last Winter?

As we get further into the year, evidence is cropping up that suggests the housing bust hit rock bozom last winter.

Recent data is showing a deﬁnite upswing. For the 4th month in a row, the price of single-‐family homes rose. Eighteen

out of 20 ciGes recorded index gains on the S&P/Case Shiller composite index. The year-‐over-‐year gap in housing prices

conGnues to shrink. According to Case Shiller, it appears that the bozom actually hit in January of this year. Since then,

all factors are poinGng up. There are four more factors that prove the turnaround: “Housing starts hit a low in the

fourth quarter of 2011; residenGal investment has added to gross domesGc product growth for ﬁve straight quarters;

the FHFA monthly House Price Index in May was up 3.7 percent from a year earlier, higher than inﬂaGon; and the

pickup in house prices helped lic 700,000 homeowners above water during the ﬁrst quarter of 2012 while the number

of underwater homes fell from 12.1 million properGes at the end of 2011 to 11.4 million at the end of the ﬁrst quarter,

according to CoreLogic.”

Home Prices Up For First Time Since 2007

According to Zillow, single-‐family home prices are up over 2% from the ﬁrst quarter of this year, and .2% annually,

showing an increase for the ﬁrst Gme in ﬁve years. InteresGngly, the housing recovery seems to be underway despite

sluggish job growth, indicaGng some measure of organic growth. According to Zillow Chief Economist Stan Humphries,

the housing recovery will conGnue along, but will be very slow. Foreclosures remain a big risk to the overall housing

industry. Due to the naGonal foreclosure sezlement, the number of foreclosures is expected to increase naGonwide.

7

Hot Investment Opportunities

16100 Aldersyde, Cleveland OH, 44120 -‐ A

steal at $366,600

This beauGful 5 bedroom, 3½ bath Shaker Colonial features tons of architectural details such as 4 ﬁreplaces, crown molding and leaded French doors. Back yard features an in-‐ground pool with a built in grilling are, covered paGo and privacy fencing. Master suite, media room on second ﬂoor. Lower level laundry with oversized table for folding laundry. This is a must see!

1559 Edgeﬁeld, Lyndhurst, OH 44124 -‐ Yours

for only $147,500

Check out this lovely 3 bedroom, 2 bath home

and move in today. Large living room with gas

ﬁreplace and large picture window. Lots of

updates throughout including kitchen, roof,

furnace, electrical, windows, entry door and

more. BeauGfully landscaped front and rear

yards. Rear shed for storage in the back, and

a 1-‐car, heated garage with opener. This

house is move-‐in ready, so pack your bags!

Ready to buy or

sell your own

house?

Call us TODAY to speak with an Agent.

Sharp Concepts Realty

440.623.0531

8973 Fairpark Ave., Canal Fulton, OH 44614 -‐ Ready for you at $159,900

You’ve heard about this one, now you can make it your next home. This 4 bedroom, 3 bath Colonial is situated in beauGful Canal Fulton, right near the Portage Lakes. Newly redone inside, ready for you to move right in and call it home. Redesigned large kitchen with new stainless steel appliances, Gle ﬂoor and tons of counter space. 4 bedrooms upstairs. Huge basement, great backyard for entertaining.

2021 King James Unit #217, Westlake, OH 44145

-‐ Easy living for $49,500

Homeownership without the hassle! This 2 bed, 2

bath condo is perfect if you don’t want the

maintenance of a yard, but want a beauGful

surrounding. Comes with in-‐suite laundry,

balcony, large living space and 1 indoor parking

space plus extra storage. AmeniGes include

indoor pool, tennis court, workout room, lounge

and party rooms. Perfect for entertaining! Call

today to see it for yourself.

8

Hot Investment Opportunities

2570 Edgewood, Beachwood, OH 44122 -‐ Yours for only

$155,000

This lovely 4 bedroom, 3 bath home has an eat-‐in kitchen,

separate dining room and den/sunroom on the ﬁrst ﬂoor.

SiHng area and large walk-‐in closet oﬀ the second ﬂoor

large bedroom. Second bedroom perfect for a home oﬃce,

too! Fenced in yard, ﬁnished basement make this a great

ear

out

steal for $119,000

Charming 3 bedroom, 2 bath ranch features an

open ﬂoor plan and hardwood ﬂoors throughout.

Comes with all appliances. Large basement is

parGally ﬁnished and has a full bathroom, so

perfect for living and storage. Tons of storage,

located in a very quiet neighborhood. Available

for lease opGon. Call the oﬃce today to learn

more -‐ this one won’t last!

6623 Monroe, North Ridgeville, OH 44039 -‐ A bargain

at $130,000

You have to check out this lovely 3 bedroom, 3 bath

home. Located in a very quiet neighborhood on a low

traﬃc street. Tons of natural light, dining area opens to

the deck, making it perfect for entertaining. Huge

fenced in back yard, parGally ﬁnished basement.

Perfect to move in and make it your own, so don’t wait!

Call today to see it for yourself.

1955 Merrill, Kent, OH 44240 -‐ Charm for only $91,500

This lovely 4 bedroom, 2 bath home is ready to be your

new home. Lots of recent updates throughout,

including a newer furnace, windows and kitchen

cabinets. Large living area, and an oversized garage ﬁts

1 car with tons of space for storage. Close to Brady

Lake.

Search the entire Northeast Ohio Market MLS for your next home at

Sharp Concepts Realty

440.623.0531

9 info@

Have An Old 401(k)? Call Millennium Capital

All too ocen, if you have a 401(k) or some other sort of savings, you’re not exactly sure what to do with it, especially if it’s one you have hanging around from an old employer. Hopefully you haven’t lec it behind, at least. But how can you opGmize your money, possibly even earning double-‐digit returns? There are several opGons available, but some are bezer than others. I’ll tell you what some of your opGons are, then tell you one soluGon that presents the best, strongest and fastest ROI – invesGng in real estate.

According to a recent survey by Fidelity, almost 1/3 of people who transiGoned jobs didn’t know what to do with their old employee savings plan – 401(k). That’s a startling number, especially when you consider that the 401(k) makes up a signiﬁcant porGon of reGrement savings for most people. There are generally four opGons available, but I’ll include a ﬁch that I think is the best choice.

1. Keep the 401(k) in the old employer’s plan – Most plans will let you keep your money where it is, and someGmes that can make sense. This is especially true if your balance is over $5,000. However, it will just sit there. Generally you can’t take a loan against the money or make contribuGons to it. There will be fewer investment opGons and withdrawal limitaGons. You may have to pay administraGve fees and your transacGons will be limited.

2. Roll over the assets into an IRA – Making this transiGon allows your money to grow tax deferred and you have access to abundant investment opGons. You can actually develop a reGrement income strategy where you get a regular income. Note that, acer age 70 ½, you’re going to be required to take regular distribuGons from an IRA, even if you’re sGll acGve in the workforce. If you choose this opGon, request a “trustee-‐to-‐ trustee rollover” to ensure that you don’t miss any deadlines and accrue any penalGes.

3. Consolidate an old 401(k) into one with your new employer – Before you do this, check to make sure the new employer’s plan accepts rollovers. You’ll be subject to following the rules of the new plan, which may have limited investment opGons. You’ll once again gain all the beneﬁts and security of having a 401(k) reGrement plan.

4. Cash out – Be aware that if you do decide to cash out your 401(k), there are consequences to face in the

form of income tax and a 10% early withdrawal penalty.

5. Invest with Millennium Capital -‐ We pay our investors double-‐digit returns on their investments. We buy

houses at substanGal discounts, renovate them and resell them for substanGal proﬁts. We borrow money

from private lenders to fund our deals and pay double-‐digit interest rates. To protect everyone, we have a

formal closing, a mortgage and note recorded in public record and then quickly resell the property. We

secure Gtle insurance to protect all parGes involved. Private funds allow us to purchase at a discount without

ever having to rely on banks or mortgage companies for funding.

Some of the beneﬁts of this strategy include:

• Each loan is secured by a note and a mortgage held in escrow.

• Typically need $80,000-‐$300,000 for quick-‐turn loans.

• No bundling, pooling or combining of funds or loans. One lender per deal.

• Individual ReGrement Accounts qualify, including Roth’s.

• Allows you to self-‐direct your investments.

• Broker/Dealer sends money to Gtle agent’s escrow account.

• Title agent sends all money back to 3rd Party Administrator.

Because of our relaGonship, I want to tell you about what we do at Millennium Capital Investments and Sharp Concepts Realty. In turn, you’ll come to think of me and my companies as your trusted resource.

When you’re ready to start realizing bigger returns on your investments, call me directly at 216.233.5448.

10

Millennium Capital Preferred Partners

SHARP CONCEPTS REALTY Sell Your Home Today… Fast! Phone: 440.623.0531

Info@

HARTFORD LENDING GROUP, LLC Mark Kubek, Branch Manager Phone: 330.869.6344

Cell: 216.509.7602 mkubek@

ALL STAR LAND TITLE Complete Title & Escrow Services Phone: 440.895.2400

THE STREETER LAW GROUP Foreclosure Defense & Loan Mod. Specialist Phone: 216.407.6644 streeterlaw@

EMERALD GLEN TITLE Complete Title & Escrow Services

Phone: 440.347.0340

Karen@

WELLS FARGO

Dave Nicolanti

Refi & HAMP 2.0 Refi

dnico21@

Phone: 216-288-0518

Contact Millennium Today

iPhone or iPad User?

Visit the iTunes App Store and download our app to stay up to date on the latest. Search:

Strategic Real Estate Coach

jcantwell@

Ph: 216.233.5448

Fax: 440.888.7851

Millennium Capital Investments

6659 Pearl Road, Suite #202

Parma Heights, OH 44130

Follow

Us

Online

Strategic Real Estate Coach main blog:

Top Real Estate Investor blog:

SREC Facebook Fan Page: Srecnow

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Josh Cantwell Facebook Fan Page: josh.cantwell1

Josh Cantwell – Twitter: joshcantwell

Josh Cantwell – LinkedIn: in/joshcantwell

Derek Walkush – Twitter: derekwalkush

Derek Walkush – LinkedIn: in/DerekWalkush

Sharp Concepts Realty:

6659 Pearl Rd., Suite 202

Parma Hts., Ohio 44130

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REAL ESTATE NEWS FROM

JOSH

CANTWELL

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doors, carpeGng, remodeled the kitchen (remember,

the ceiling collapsed in this one!) and bathroom. In

the basement we had to allocate some cost for mold

remediaGon.

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$80 inte

y or $6k yea

ann

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Purchase price: $52,000

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Foreclosures Bring Big Profit Opportunity

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house for a small family. Conveniently located n

shopping, restaurants, the park and rec center. Check it

today!

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23080 Mildred, North Olmsted, OH 44070 -‐ A

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