The Renegade Real Estate Investing Newsletter

"Cutting Through the Real Estate Investing B.S."

This FREE Real Estate Investing Tips newsletter is your window into the world of real estate investing. You will never get closer to the real action than learning straight from two Canadian brothers, Tom & Nick Karadza, who are actually implementing the strategies they talk about!

In this weekly publication you will get access to our real world guides, trends, tips, strategies and "how to" information that is being implemented "on the streets" with real people, right here in Canada.

To access the full list of articles visit: or check out their new blog:

It is published every Thursday, if you have been forwarded this email and would like your own copy click here to sign up.

Friday August 8th, 2008

In this Issue:

- Renegade Commentary: Living Your Rockstar Life

- Featured Article: Financing Investment Properties & 3 Often Overlooked "Gotchas"

Income For Life Updates...Living Your Rockstar Life

At the end of our recent Income for Life "Members Only" event we handed out pictures to all members and it caused a bit of a stir. It's not every day you have your picture taken with a life size card board cut out of Gene Simmons. Why did we do something so crazy/silly/ridiculous?

Well when we decided to start our own real estate brokerage we didn't want it to be "just another real estate company". We're different, we only work with real estate investors.

And we're working together with our members for a specific build wealth so that you can live your life on your terms.

We call it "living your rockstar life".

And your rockstar life is unique to you.

It may be reading a book by a lake up north (that's closer to my rockstar life) or it may be traveling Europe on a motorcycle or scuba diving in Australia or hanging out with Paris Hilton at LAX in Las Vegas.

Your rockstar life is your ideal life.

So with all that in mind, who better to have your picture taken with than a rock star, Gene Simmons. This guy has created so many passive income streams in his life that we don't even think he can keep count of them all.

His KISS rock star logo is on everything....from condoms to coffins as he likes to put it. I guess that covers almost everything!

Real Estate investing isn't always a smooth process. There are ups and downs along the way.

And when you're in the middle of one of the "storms" its easy to forget why you are doing it. What better way to keep focus than to pull out a picture of you standing next to Gene Simmons in full make-up as a little reminder.

(You can see more pictures from the member event over on our blog by clicking here.)

You are investing to create your rockstar life.

You are investing to build your asset base.

Millionaires think about increasing their assets.

The Middle Class focuses on increasing their income.

Millionaires design the lifestyle they want.

The Middle Class doesn't have time for that.

Which one are you?

Are you taking time to design your rockstar life? Or are you too busy fighting daily problems that have no long term value?

All the fun aside, real estate investing boils down to acquiring positive cash flow properties. Not "hype", just fundamentally sound real estate investing by Canadians for Canadians. The Income For Life program is growing and we are proud to be associated with such a great group of investors.

Not a member yet?

Click here to apply, we'll call you within 48 business hours to see if you qualify!

Until next a Renegade!

Tom & Nick Karadza
"The Real Estate Renegades"

Real Estate Investing Step-by-Step:

To learn more about our investing approach and the system we use with our members you can request a copy of our FREE Report to be mailed to you. In it you will learn:

  1. How you can turn 3 Single-Family homes into 24 homes without investing any additional money by having homes buy homes. EASY WEALTH!
  2. How you can create Income for Life in just ONE hour of spare time a day! This means NO FIXING UP DISTRESSED HOMES!

To request your own complimentary copy of our investing in "Nice Homes in Nice Areas" report go to and fill out the form at the bottom of the page.

Featured Article:

Financing Investment Properties & 3 Often Overlooked "Gotchas"

Listen up. When financing investment properties most investors makes the same mistakes. This is important and it is the most common situation I see beginning real estate investors get themselves in.

You go out and get pre-approved by your mortgage broker for an investment property mortgage in Canada.

They give you the thumbs up and tell you to go out and purchase your first investment property.

You are excited that you have begun your wealth creation journey. And you should be...real estate is a proven vehicle to build wealth.

You then go and find a Real Estate Agent that knows something about investing in real estate, you spend weeks finding the perfect property and you finally make the purchase.

Then it happens...

Closing day approaches and your mortgage broker rings you up with something like this...

“Hey, I’ve got some updates. Apparently I can’t actually get that mortgage program that we spoke of a few weeks ago. Don’t worry, you will still be able to purchase the investment property but you’ll need to put down 10% instead of 5% and the interest rate on the mortgage is going to be 7.8% instead of 5.9%.”

Now you’ve got problems. You need to magically come up with more cash, your Return on Investment will change drastically and your monthly cash flow on the property will go from a positive to a negative.

Let the scrambling begin!

You call your agent, who will likely not have many options for you, you call another broker, who doesn’t have enough time before closing to save you and you then call your mom asking to borrow money to save this deal from falling apart. Not fun, not funny.

Here’s what you should know about financing investment properties...

For the full article click here to continue reading...

About The Real Estate Renegades

Tom Karadza & Nick Karadza are authors of the book "Income For Life for Canadians", available on by clicking here, and work with a select group of real estate investors throughout the Greater Toronto Area. They actually do what they talk about it.

They have been called 'Real Estate Renegades' because they are implementing real estate investing strategies that were once thought to be impossible by many 'industry professionals'. They are part of several mastermind groups in Canada and in the USA and publish a monthly 12-page real estate investing newsletter and audio series exclusively for their clients.

They also offer real estate investing classes, reports, one-on-one coaching and mentoring, and other resources to help both beginner and experienced real estate investors achieve ultimate success. Learn more now at:


You can meet them in person at their next FREE Real Estate Investing Class, "How to Invest in Nice Homes in Nice Areas" by signing up here:

Enjoying this newsletter?

Feel free to email this to friends and family who are interested in real estate investing. They can sign receive their very own FREE subscrition by clicking here.

Copyright 2008 Karadza Publishing Inc. All Rights Reserved.