
What we’re about
Please also join our So-Cal Real Estate Investors page on Facebook:
So-Cal Real Estate Investors page on Facebook
We meet at various locations for anywhere from one-on-one meetings up to my hosted large events with a few hundred attendees in attendance throughout Southern California including Canyon Lake Golf & Country Club, at the beautiful Shoreline Yacht Club overlooking the bay near the historic Queen Mary ship in Long Beach, at Duke's Huntington Beach by the HB Pier, at the classic and quite scenic La Valencia Hotel in La Jolla, at the Omni Rancho Las Palmas Resort in Rancho Mirage (bring your golf clubs), and online.
Our So-Cal Real Estate Investors group shares the latest real estate trends and up-to-date statistics, distressed property deals, and creative investment opportunities around the Southern California region (Los Angeles, Orange, Riverside, and San Diego counties, especially) and nation. You'll learn ways to creatively buy and flip properties for both residential and commercial real estate properties and how to find new listings and buyers for real estate licensees.
Please like and follow our new page on Facebook as well: So-Cal Real Estate Investors on Facebook
Please follow my brand new OnZoom public platform to watch my instructional videos for free: OnZoom - Rick Tobin
For more details about the real estate investing course: Learn Real Estate
You'll learn about the following key points:
* how to find delinquent mortgage properties;
* foreclosure auction sales;
* creative ways to postpone evictions as a tenant and foreclosures if you're an owner;
* helping Realtors find new listings and buyers with creative and affordable strategies;
* refinancing or selling out of a forbearance, loan modification, property or income tax lien, or pre-foreclosure property;
* unpaid property tax deed auction sales in California;
* tax lien certificates in Arizona, Colorado, Florida, and other states;
* cash subject-to the seller's existing mortgage acquisitions;
* seller-financing (land contracts/contracts for deeds and all-inclusive trust deeds or AITDs - Seller-Financed Properties );
* boosting your FICO credit scores sooner rather than later;
* learning about new FICO credit score changes which can either help or harm your scores;
* eliminating negative debt holding you back;
* short sales which will become much more common in 2024 and beyond;
* option assignments or wholesaling;
* funding short-term and long-term rental purchases with break-even or negative cash flow;
* bridge financing with two or more properties;
* buying and refinancing with reverse mortgages that don't require monthly payments;
* how to buy and sell income streams off of real estate notes or trust deeds;
* social media marketing techniques to buy and sell your properties;
* how to purchase homes with no money down even if you're a first-time home buyer with lower FICO credit scores;
* buying homes with down payment assistance grants that can later be eliminated for 100% loan-to-value purchases;
* identifying nearby VA and FHA foreclosures;
* selling properties while reducing tax obligations by way of the 1031 tax-deferred exchange (Napkin test: "up in debt, up in equity, up in value");
* understanding how your assets can quickly double in value using the Rule of 72 techniques;
* accelerating mortgage payoffs to create free-and-clear properties by eliminating 10 to 20 years from your mortgage with biweekly payments and additional minimal principal paydowns;
* legally earning significant finder's fees without holding an active real estate or mortgage license;
* the most effective strategies to qualify for a new real estate license; and
* strategies that will help you assign for huge profits or refinance lease-options and other types of unrecorded transactions. We'll also share ways how to find the equity and/or mortgage money needed to acquire these discounted properties.
We want this group to also be a business networking group where we can all learn from each other and refer real estate deals and new clients to one another, especially for real estate licensees, wealth advisors, and attorneys.
About the new Meetup group organizer as of December 22, 2022 named Rick Tobin:
I've created entire real estate courses and college textbooks (residential and commercial real estate, legal, and mortgage topics) for some of the best-known real estate schools and educational firms in the state and nation (30+ states), including the Top 2 largest real estate educational firms in America named Colibri/McKissock (Allied Real Estate School, Real Estate Express, and Learn Mortgage are also under their corporate umbrella) and Kaplan/Pearson (best known for their high school and college textbooks - I wrote their updated Credit course in 2023); the first online California real estate school; and the oldest real estate school in California named Lumbleau.
I've bought and sold numerous properties in multiple states; assisted with the development of thousands of new housing units; and provided several hundred million dollars' worth of capital to clients across the nation for both residential and commercial properties. I've held eight different real estate broker, securities, and mortgage licenses throughout my career. I'm also a graduate of the University of Southern California.
Between 1998 and 2008, I was the most published author for AD Kessler's Creative Real Estate Magazine. For the May 2006 cover story, the same national publication featured me on the cover under the heading of A Creative Financier for their main story that month. This publication was one of the most famous national real estate publications in America over the past 50 years. I used to be interviewed on the Creative Real Estate television and radio shows as well as taught students how to buy and flip properties across the nation.
Several hundred of my articles have appeared for a few decades in Creative Real Estate Online (I was their most published author for at least five years; CRE Online, which is not affiliated with Creative Real Estate Magazine, was generally considered as one of the top real estate investing websites in America for many years - www.creonline.com), REI Wealth Monthly, the REI (Real Estate Investing) Club website (www.reiclub.com), Realty 411 Magazine (http://www.realty411.com - I've been their most published author for the past few years), Think Realty https://thinkrealty.com/, and in The Scotsman Guide (www.scotsmanguide.com - this has been ranked as the #1 most read mortgage publication in America).
Here are some of my past articles shared in national publications:
https://realty411.com/wealth-perspectives-a-comparative-worldwide-analysis/
Wealth Perspectives: A Comparative Worldwide Analysis (published March 7, 2025)
https://realty411guide.com/the-drying-disaster-relief-insurance-pools/
The Drying Disaster-Relief Insurance Pools (published February 11, 2025)
https://realty411guide.com/steps-to-recover-from-the-pacific-palisades-firestorm/
Steps to Recover from the Pacific Palisades Firestorm (published January 15, 2025)
https://realty411guide.com/boost-your-credit-to-afford-home-purchases/
Boost Your Credit to Afford Home Purchases (published December 11, 2024)
https://realty411guide.com/creating-wealth-and-following-your-dreams/
Creating Wealth and Following Your Dreams (published November 9, 2024)
https://realty411guide.com/weather-extremes-homes-and-insurance-risks/
Weather Extremes, Homes, and Insurance Risks (published October 21, 2024)
https://realty411guide.com/are-you-focused-on-commercial-real-estate/
Are You Focused on Commercial Real Estate? (published September 5, 2024)
https://realty411guide.com/the-california-gold-rush-boom/
The California Gold Rush Boom (published August 10, 2024)
https://realty411guide.com/wealth-creation-in-a-hyperinflationary-america/
Wealth Creation in a Hyperinflationary America (published May 31, 2024)
https://realty411guide.com/unaffordable-housing-taxation-and-consumer-debt-trends/
Unaffordable Housing, Taxation, and Consumer Debt Trends (published May 7, 2024)
https://realty411guide.com/will-the-realtors-commission-settlement-impact-you/
Will the Realtors' Commission Settlement Impact You? (published April 1, 2024)
https://realty411guide.com/inflation-home-price-swings-and-wealth-distribution/
Inflation, Home Price Swings, and Wealth Distribution (published February 29, 2024)
https://realty411guide.com/how-to-minimize-risks-and-maximize-gains/
How to Minimize Risks and Maximize Gains (published February 6, 2024)
https://realty411guide.com/helping-realtors-find-clients-and-listings-in-2024/
Helping Realtors Find Clients and Listings in 2024 (published January 8, 2024)
https://realty411guide.com/how-to-overcome-declining-purchasing-power-with-real-estate/
How to Overcome Declining Purchasing Power with Real Estate (published December 6, 2023)
https://realty411.com/whats-your-blended-debt-rate/
What's Your Blended Debt Rate (published October 26, 2023)
https://realty411guide.com/have-home-prices-peaked-yet/
Have Home Prices Peaked Yet? (published October 3, 2023)
https://realty411guide.com/credit-fears-fight-flight-or-freeze/
Credit Fears - Fight, Flight, or Freeze (published September 13, 2023)
https://realty411guide.com/top-10-housing-financial-and-government-trends/
Top 10 Housing, Financial, and Government Trends (published August 8, 2023)
https://realty411.com/the-lock-in-effect-and-keys-to-success/
The Lock-In Effect and Keys to Success (published July 3, 2023)
A 33-to-1 Vacant & Distressed Home-to-Listed Home Ratio
A 33-to-1 Vacant & Distressed Home-to-Listed Home Ratio (published May 2, 2023)
https://realty411guide.com/the-interconnected-california-global-real-estate-markets/
The Interconnected California & Global Real Estate Markets (published April 20, 2023)
https://reiclub.com/articles/the-madness-of-march-2023/
The Madness of March 2023
https://realty411guide.com/economic-extremes-consumer-shock/
Economic Extremes & Consumer Shock (published March 14, 2023)
https://realty411.com/distressed-properties-contradictory-data/
Distressed Properties & Contradictory Data (published February 13, 2023)
https://realty411guide.com/positive-and-negative-housing-trends-for-twenty-twenty-three/
Positive and Negative Housing Trends for 2023 (published January 18, 2023)
https://realty411guide.com/underwater-homes-and-short-sale-solutions/
Underwater Homes and Short Sale Solutions (published December 12, 2022)
https://realty411guide.com/the-next-7-year-housing-cycle/
The Next 7-Year Housing Cycle (published December 8, 2022)
https://realty411.com/simplifying-and-automating-commercial-mortgages/
Simplifying and Automating Commercial Mortgages (published October 5, 2022)
https://realty411guide.com/converting-home-equity-to-cash/
Converting Home Equity to Cash (published: September 2, 2022)
https://realty411.com/short-term-rentals-and-dscr-loans/
Short-Term Rentals and DSCR Loans (published April 5, 2022)
https://realty411.com/forbearance-bailouts-and-refinances/
Forbearance Bailouts and Refinances (published December 23, 2021)
https://realty411.com/californias-gold-rush-for-valuable-land/
California's Gold Rush for Valuable Land (published May 21, 2021)
https://realty411.com/homeowners-financial-solutions-for-2021-and-beyond/
Homeowners' Financial Solutions for 2021 and Beyond (published December 18, 2020)
https://realty411.com/vacation-rental-investment-opportunities/
Vacation Rental Investment Opportunities (published July 2, 2020)
To learn more details, please visit Rick's website at www.realloans.com and Facebook business page at https://www.facebook.com/realloans.info.
Upcoming events (4+)
See all- Trusted Business Partner's Weekly All-Stars Chapter Meetings on Tuesdays at 8 amCanyon Lake Golf & Country Club, Canyon Lake, CA
Please join us at our weekly Tuesday morning meetings at the Canyon Lake Golf & Country Club restaurant at 8 am. I'm on the Board of Directors for all of the Trusted Business Partners (TBP) chapters. I'm also the Education Coordinator at these weekly meetings and share updated marketing strategies and new business development techniques that are actually working for our members.
I've scheduled numerous So-Cal Real Estate Investors meetings in the past that immediately followed these weekly TBP meetings.
For small business owners, investors, or others who are looking to expand their business operations and find new client prospects, please join us at our next Trusted Business Partners meeting.
If you need assistance with a mortgage loan request, home listings for sellers or Realtors, or have a discounted property or mortgage note to share, we can discuss right after these meetings end at 9 am.
"Welcome to the Trusted Business Partners All-Stars Chapter's Canyon Lake Tuesday Breakfast networking group.
Location: Canyon Lake Country Club is conveniently located between the I-15 and I-215 Freeways for business professionals in the Canyon Lake, Menifee, Lake Elsinore, Quail Valley & surrounding areas.
Who Is Attending?
Entrepreneurs, small business owners, sales and marketing professionals are welcome to attend. TBP Members and Alumni welcome.Visit Our Website:
To learn more, visit Trusted Business Partner's All-Stars chapter page here: https://trustedbusinesspartners.wildapricot.org/tbp-chapters-and-members/canyon-lake-tuesday-breakfast-networking/Are you interested in business networking? Trusted Business Partners builds long-lasting relationships by providing premium networking opportunities to generate qualified business leads for its members."
For more details, please visit the main TBP website: https://trustedbusiness.partners/
Should you have any questions, please let me know. We hope to see you there!
Rick Tobin
Phone/Text: 760-485-2422
Email: info@realloans.com
www.realloans.com - How to Save and Find Distressed HomesCanyon Lake Golf & Country Club, Canyon Lake, CA
We will meet again in the main dining room at the Canyon Lake Country Club Bar & Grill Restaurant where we also host several large events. Please join us to share your thoughts, deal opportunities, or if you may need some assistance with a complex real estate or financial situation.
Since March 2020, mortgage loan servicing companies have granted 8.6 million loan forbearances (or mutually-agreed upon foreclosure delays, payment reductions, and/or payment deferrals) across the nation, according to Mortgage Shots.
Technically, many of these forbearance deals are forbearance and deferment hybrids where homeowners haven't made even one mortgage payment in several years. This is especially true for FHA and VA mortgages.
At some point, a high percentage of these distressed loans will go to foreclosure and be added to the national home listing inventory supply.
How to Save and Find Distressed Homes
* The monthly mortgage payment needed to purchase a median priced home for sale in the U.S. has almost doubled over the last five years (January 2020 - January 2025).
* State Farm, and many other insurance companies in California and elsewhere, is suddenly starting to request “emergency rate hikes” to cover their financial losses. The premium rate hike request from State Farm to California state officials is near +22% for homeowners insurance and up to as high as +38% for renter’s insurance. For my details, please ready my article: The Drying Disaster-Relief Insurance Pools
* Unpaid credit card debt reached an all-time record high of $1.21 trillion by the end of 2024. The percentage amount of U.S. credit card borrowers who are only paying the minimum payment continues to trend towards all-time record highs (10%+) in spite of the APRs (Annual Percentage Rates) also currently at all-time record highs.
* By the end of the fourth quarter in 2024, more than 11% of all FHA mortgages were delinquent nationwide. The maximum allowable debt-to-income (DTI) for FHA loans is a very flexible 57% DTI ratio. Upwards of 79% of FHA first-time home borrowers may have a month or less of cash reserves.
* Since October 2018 when the Covid-19 forbearances began to take effect for FHA, VA, and other types of loans, there've been millions of distressed homeowners who haven't had made a mortgage payment in several years.
* Did you know that the fastest-growing demographic percentage increase for people entering (not exiting) the U.S. workforce last year was over the age of 75, as per the Pew Research Center and Forbes?
* Did you also know that the average age of a home seller in the U.S. in 2024 was 63 years old? Are they selling because they want to or need to due to rising home expenses (utilities, insurance, mortgage payments, maintenance costs, etc.).
* The rising default rates on seller-financed mortgages or notes is something to keep a close eye on as well that can be purchased at discounts for higher yields whether it's a performing or non-performing note.
* We'll also share details about short sales, forbearances, deed-in-lieu of foreclosure transactions, note assignments or other types of paper flips, subject-to and recorded wraparounds, loan modifications, deferments, how to reinstate delinquent loans, how to qualify for cash-out loans with no income verification, and how to creatively sell a home or note for quick cash.
We hope to see you there!
Rick Tobin
Realloans.com - Trusted Business Partner's Weekly All-Stars Chapter Meetings on Tuesdays at 8 amCanyon Lake Golf & Country Club, Canyon Lake, CA
Please join us at our weekly Tuesday morning meetings at the Canyon Lake Golf & Country Club restaurant at 8 am. I'm on the Board of Directors for all of the Trusted Business Partners (TBP) chapters. I'm also the Education Coordinator at these weekly meetings and share updated marketing strategies and new business development techniques that are actually working for our members.
I've scheduled numerous So-Cal Real Estate Investors meetings in the past that immediately followed these weekly TBP meetings.
For small business owners, investors, or others who are looking to expand their business operations and find new client prospects, please join us at our next Trusted Business Partners meeting.
If you need assistance with a mortgage loan request, home listings for sellers or Realtors, or have a discounted property or mortgage note to share, we can discuss right after these meetings end at 9 am.
"Welcome to the Trusted Business Partners All-Stars Chapter's Canyon Lake Tuesday Breakfast networking group.
Location: Canyon Lake Country Club is conveniently located between the I-15 and I-215 Freeways for business professionals in the Canyon Lake, Menifee, Lake Elsinore, Quail Valley & surrounding areas.
Who Is Attending?
Entrepreneurs, small business owners, sales and marketing professionals are welcome to attend. TBP Members and Alumni welcome.Visit Our Website:
To learn more, visit Trusted Business Partner's All-Stars chapter page here: https://trustedbusinesspartners.wildapricot.org/tbp-chapters-and-members/canyon-lake-tuesday-breakfast-networking/Are you interested in business networking? Trusted Business Partners builds long-lasting relationships by providing premium networking opportunities to generate qualified business leads for its members."
For more details, please visit the main TBP website: https://trustedbusiness.partners/
Should you have any questions, please let me know. We hope to see you there!
Rick Tobin
Phone/Text: 760-485-2422
Email: info@realloans.com
www.realloans.com - Trusted Business Partner's Weekly All-Stars Chapter Meetings on Tuesdays at 8 amCanyon Lake Golf & Country Club, Canyon Lake, CA
Please join us at our weekly Tuesday morning meetings at the Canyon Lake Golf & Country Club restaurant at 8 am. I'm on the Board of Directors for all of the Trusted Business Partners (TBP) chapters. I'm also the Education Coordinator at these weekly meetings and share updated marketing strategies and new business development techniques that are actually working for our members.
I've scheduled numerous So-Cal Real Estate Investors meetings in the past that immediately followed these weekly TBP meetings.
For small business owners, investors, or others who are looking to expand their business operations and find new client prospects, please join us at our next Trusted Business Partners meeting.
If you need assistance with a mortgage loan request, home listings for sellers or Realtors, or have a discounted property or mortgage note to share, we can discuss right after these meetings end at 9 am.
"Welcome to the Trusted Business Partners All-Stars Chapter's Canyon Lake Tuesday Breakfast networking group.
Location: Canyon Lake Country Club is conveniently located between the I-15 and I-215 Freeways for business professionals in the Canyon Lake, Menifee, Lake Elsinore, Quail Valley & surrounding areas.
Who Is Attending?
Entrepreneurs, small business owners, sales and marketing professionals are welcome to attend. TBP Members and Alumni welcome.Visit Our Website:
To learn more, visit Trusted Business Partner's All-Stars chapter page here: https://trustedbusinesspartners.wildapricot.org/tbp-chapters-and-members/canyon-lake-tuesday-breakfast-networking/Are you interested in business networking? Trusted Business Partners builds long-lasting relationships by providing premium networking opportunities to generate qualified business leads for its members."
For more details, please visit the main TBP website: https://trustedbusiness.partners/
Should you have any questions, please let me know. We hope to see you there!
Rick Tobin
Phone/Text: 760-485-2422
Email: info@realloans.com
www.realloans.com
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