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1. property s purchase price or as a fixed dollar amount Method Straightline C Double Declining Balance i After you have determined the depreciable value enter in the period over which the property fully depreciates in the Depreciable Years field Finally select the depreciation method you would like to use Straight line or Double Declining Balance Check with a local certified accountant for more information regarding depreciation values and methods in your area Property Value Increase Your property s value will likely increase over an extended period of time based on either inflation increasing market demand or other factors This section allows you to specify your property s value increase up to the point of sale Select from one of the following valuation methods Annual Market Value Increase Rate a specific Cap Rate Inflation or a predetermined Fixed Selling Price Simply select 36 the method you would like to use by clicking on the circle next to that method and enter in the annual percentage or Cap Rate into the appropriate field Analysis Period This section allows you to determine the number of years or months over which you would like to perform an analysis of this property In the First Payment Date field select the date at which the analysis will begin Below that select the analysis period over which you would like to view Cash Flow and other analysis reports for this property The choices are 1 y
2. First Payment Date 03 10 2008 Total Interest Effective Term Month Amount i 240 000 00 Effective Term Years Down Payment 0 00 Term 30 Yr 0 Mo InterestSaved APR 7 000 Payment Amount 1 596 73 Compound Period Monthly v Final Payment Date 02 10 2038 Plan Extra Amount Period Bi Weekly Effective Term Total Interest Interest Saved Interest Saved Standard 0 00 Never E 360 334 817 91 0 00 0 000 Bi Weekly 0 00 Never j 284 252 109 08 82 708 83 24 702 Double Principal 0 00 Never 181 168 244 68 166 573 23 49 750 Payment 200 00 Monthly 200 00 Monthly a 260 226 597 19 108 220 72 32 322 Close Reset Add Custom Plan Remove Plan Amortize Other Features The Mortgage Accelerator Calculator also provides additional features and functionality Amortize To view the full amortization schedule of any of the repayment plans simply click on the repayment plan and select the Amortize button at the bottom of the screen The amortization schedule will allow you to view the date the payment is due the amount to be paid the portions going to interest and principal and the remaining principal balance Reset The Reset button at the bottom of the screen will clear all of the mortgage information and payment plans that you have added Close To close the Mortgage Accelerator Calculator simply click on the X in the upper right corner of the window or select the Close button at the bottom of t
3. 0 00 Never El 360 334 617 91 0 00 0 000 Bi Weekly 0 00 Never sf 284 5252 109 08 82 708 83 24 702 Double Principal 0 00 Never El 181 5158 244 68 166 573 23 49 750 Payment 200 00 Annually 5200 00 i El 349 321 737 81 13 080 10 3 906 Never Monthly Quarterly SemiAnnually Ch Add Custom Plan Remove Plan Amortize Annually To add a custom payment amount simply click on the Extra Amount field and type in the amount To specify the frequency of these payments simply click on the Period field and select either annually semi annually quarterly or monthly from the drop down menu Your selections will be reflected in the payment plan name i e Payment S200 Monthly You may add as many custom payment plans as you like Removing a Custom Payment Plan To remove a custom payment plan that you ve added simply select the plan from the table and click on the Remove Plan button at the bottom of the screen Graphing The Mortgage Accelerator Calculator will automatically graph the information in the table to provide a visual comparison of your savings You can select the field being charted from the choices at the top The choices are Interest Save Total Interest Effective Term Months Effective Term Years 53 E J Mortgage Accelerator an i E es Interest Saved Mode Interest Saved Y Interest Saved Mortgage Information
4. Mailing Carrier Code Location Information APN Unformatted APN green arrows on the map To find a particular property on the map simply Carrier Code Map Book Map Page Block Subdivision Name highlight that property by clicking anywhere in that row The selected property will appear in red on the map Legal Description 1 Additionally the property s basic information will appear in the box to the right of the map 4401 HALBERT AVE LAS VEGAS NV 89110 Most Recent Pre Foreclosure Transaction NOTICE OF TRUSTEE S SALE 80317000110 197 747 03 4 7 2008 1 00 00 PM 3 01 2007 180 000 00 70301006618 FORECLOSURELINK INC CA 956286695 9169623453 FC17711 JESSIE BACA CIT GRP CONSUMER FIN INC 7353 SPL INC 4401 HALBERT AVE NV 891105465 C089 140 29 411 001 14029411001 C089 1 81 D BOULDER HEIGHTS ADD 01 BOULDER HGTS TRACT 1 PLAT BOOK 1 PAGE 81 PT LOT 1 8LC Add Property The Estimated Value field is for informational purposes only and is not meant as an assessment or appraisal of that property This field does not take into consideration home improvements views etc and is simply meant as an estimate of what similar properties with similar recorded characteristics have sold or may sell for in that area The Quick View button next to each pre foreclosure listing allows you to view the information found on that particular pre foreclosure document You may save the pre
5. The Bird s Eye view simply has two zoom levels as it is meant to be a high quality image of a particular property or area The Bird s Eye view may not be available in all areas To change the view you are in simply click on the appropriate View Type button at the bottom of the map The current view type s text will be displayed in bold within Aerial Hybrid Street Bird s Eye the View Type menu Note that the Hybrid View is the default view type 1 4 Additional Tools Depending on the section your are on the map area may provide additional features and tools Estimated Value Heat Map When this feature appears at the bottom of the map checking the box next to it will display the estimated values for __ Parkvista Circle certain properties in ron s T i Mins me int the form of a heat map where various colors represent different values For more information on estimated value and on heat maps please see the Trending section of the manual Parcel Boundaries Checking the box next to Parcel Boundaries will display the parcel lines for the individual properties in that area where available Parcel lines will only appear in the last three zoom levels of the map and in areas where parcel information is available You may click on an individual parcel to get the 893 LARAMORE DR address the estimated value and to save the property rrollo apg alicia into your My Properties section Unchecking the box
6. 0 00 Roof 0 00 Electrical 1 200 00 Driveway 0006 should serve asa Exterior 0 00 Chimney 100 00 Walls 0 00 Garage a 0 00 preliminary one to help l Tw air FRA Irrigation A ao Bathroom oe Gutter 0 00 Ceiling di Sorinklers 0 00 determine the feasibility Window 0 00 Cladding 0 00 Fireplace 0 00 Landscaping 0 00 z s of purchasing the Door 0 00 Deck 0 00 Skylight 250 00 Equipment 0 00 Carpet 3 000 00 Porch 0 00 Foundation 0 00 ae 0 00 property Always use a Interior Paint 2 700 00 Heating 0 00 Basement 0 00 Other 0 00 licensed home inspector Exterior Paint 5 200 00 AC Heat Pump 0 00 Attic 0 00 to inspect the property Flooring 0 00 Plumbing 0 00 Alarm 0 00 prior to purchasing it Each of the main cosmetic and structural areas within a property is listed in Step 2 Simply enter in the estimated cost to repair restore this area into the appropriate field Once you have found estimated the appropriate costs for a certain improvement enter it into the appropriate field It is always better to overestimate a repair than to underestimate it Underestimating may end up costing you thousands and making a once prime real estate opportunity into a money pit View Improvements Repart At the bottom of the screen is a running total of the cost of the property s rehabilitation and improvement in the Total Improvements Expenses You may view and print a summary of you
7. 12 2 694 21 Total Pricpal Total Interest 3 130 00 6297 42 0 442 24 12 54 43 15 124 03 15 560 97 11 2008 2 1 2008 4 292 65 458 35 4 292 65 461 02 4 154 28 3 131 61 536 646 4 536 383 81 3 153 16 3 614 19 21 995 25 2 126 85 In addition you can quickly reference both the equity amount and loan balance remaining for any month during the course of your mortgage term To close the Mortgage Amortization Table simply click on the X in the right hand corner of the Mortgage Amortization Table screen 30 Closing Costs The closing costs area of the first step allows you to project and calculate the estimated closing costs for your mortgages Each field can be defined by clicking on the appropriate word with a detailed explanation appearing in the Help tab located in the lower left hand corner of the software In some cases the property seller may offer to pay certain closing costs To indicate that the seller will pay these fees check the Paid by Seller box next to each field If the seller will pay all of the closing costs check the Paid by Seller box at the very top This will check all the individual fields Start by entering in the points charged by your lender Each point represents 1 of the mortgage amount which will be automatically calculated based on the mortgage amounts and points charged Continue down the list of closing costs and enter in the appropriate costs that your lender charges Laws in mos
8. Amount 100 00 ee i Weekly Payments a lf your mortgage has a balloon payment at the end of a specific term A E Final Payment Date 01 01 35 check the Has Balloon checkbox and enter in the number of Effective Term 27 Yr 1 Mo payments from the beginning of the loan in which the balloon Total Interest 560 527 47 1 035 527 47 payment is due Tatal Paid Mortgage acceleration works with a fixed rate mortgage It is an additional amount on top of the original mortgage payment that you pay in order to decrease the term of your loan as well as the total interest paid If you select the mortgage accelerator enter in the additional payment amount along with 29 the additional payment frequency monthly quarterly semi annually or annually You may also choose to make bi weekly payments by selecting the Yes field The Mortgage Accelerator Calculator is provided for your convenience For more information on this calculator refer to the Tools section in this manual At the bottom of the Mortgages section you will find the monthly payments you will incur to the lender based on the loan amount term and interest charged that you entered If you selected a combination loan then both the Interest Only monthly payment and the Fixed Interest monthly payment that follows the interest only term will be displayed Final Payment Date 01 01 35 Finally the total interest paid over the term of your mortgage will be Effective Ter
9. Cora gt particular property on the map simply highlight as r Subdivision Name GREENWOOD TERRACE 01 that property by clicking anywhere in that row Legal Description 1 GREENWOOD TERRACE UNIT 1 PLAT BOOK 30 PAGE 44 LOT 8 E Owner Transfer Informatio The selected property will appear in red on the synene o map Additionally the property s basic tas io Last Market Sale Information information will appear in the box to the right of Print Add Property Close the map The Quick View button next to each foreclosure listing allows you to view the information found on that particular foreclosure document You may save the foreclosure property to your My Properties from within the Quick View page or by clicking on the Add Property button within the box to the right of the map For more information on foreclosures foreclosures documents and the Quick View page please see the Searching Foreclosures section of this manual 2 2 Map Based Search Another way to search for a specific property is to select it directly from the map Using the map in the Lobby or any map throughout the software you can save properties directly from the map The Estimated Value field is for informational purposes only and is not meant as an assessment or appraisal of that property This field does not take into consideration home improvements views etc and is simply meant as an estimate of what similar properties with si
10. E DESERT INN AD LAS VEGAS 1 LL AA 7600 000 EHTA bAi vi a Fi y AT all AAA AAA characteristics sales es e View Prasan in Gite Gath Algerie te Ade Pesar information and the 24 distance from the subject property This feature allows you to get an instant snapshot of what properties with similar characteristics have recently sold for Each Quick Comp is numbered in the list below with the numbers corresponding to the numbered green arrows in the map above To find a particular property on the map simply highlight that property by clicking anywhere in that row highlighted properties will appear in blue in the list The selected property will appear in red on the map Next to each Quick Comp result is a Search button Clicking on the Search button will perform a Property Search with that property s address This is similar to typing in the address of the property into the Property Search section of the Lobby The property s neighbors and immediately surrounding pre foreclosures and foreclosures will be displayed For more information on Property Search please see Section 2 0 of this manual 6 3 2 Full Comps Search The Full Comps Search allows you to specify your own comparable sales search criteria returning only the results that meet that criteria To access the Full Comps Search click on the View Full Comps button at the top right of the Comparable Properties tab A detailed search screen will appear that allows y
11. I E Porra compa re multiple areas and a zd EN gt m E iiw neighborhoods at one time Compare Each selection you make will be filled in Shapes Compar with a different color and assigned a E Total Properties Avg Value Avg SqFt Avg Price Sqft Avg Beds Avg Baths number Under the Compare tab at the O W 4 245 346 1046 234 2 2 Remove bottom of the screen more information O M2 4 270 859 1046 258 E Remove regarding each selection will be displayed in the Shapes section For each selection the total number of properties within that selection their average estimated value average property size average price sq ft average bedrooms and average bathrooms are displayed To the right of the table is the Estimated Value section In the Estimated Value section the growth or change in value for that selection is graphed against Estimated value its surrounding zip code city ll county and state over the 500 000 1 i W 22064 last five years The color key scared MB pompano on the right indicates which 200 000 A COUNTY BROWARD BROWARD colors represent which 100 000 FLORIDA geographic area To view the E i value of the graph at any particular point simply put your mouse over the appropriate color at the time period desired To chart the growth of a different selection shape select that shape from the Shapes table to the left by clicking anywhere within its row To compare the
12. St Louis SME in a OMOR a Philadelphia San Francisa ORAO S Ty go VaBhingion D C COLO no N Eee Oklahoma Cit yr j Rrr Tnne A at Virginia Beach santa Fe Mal RA Atlant 1 0 A a e mn Pallas a a ep spe ecole A Halifax ks SaBTEZ AM a Los Angele e Neh OTRAS qu a 600 miles r Ee E vViicrosotu Virtua Eartha r 2007 Microsoft Corporation 2006 NAVTEQ Monterrey Gulf of Mexico Miami Image courtesy of NASA The Heat Map can be used to display various property metrics which can be changed by selecting the appropriate field in the Metrics drop down menu These metrics are Estimated Value Square Feet Lot Size Number of Bedrooms Estimated Value Square Foot Estimated Value Lot Size and Estimated Value Bedroom In addition to these property related metrics Trending also allows you to map growth or the change in value of properties over a certain period of time These growth values also found in the Metrics drop down are 6 months 1 year 3 years and 5 years Range 100k 500k 1M Each time you change the metric associated with the heat map the colors will represent different values You may use the Range section at the top of the screen in order to determine the values associated with the different colors for that metric To change the opacity or brightness of the colors on the Heat Map you can use the Opacity scroll bar directly on top of the map Clicking on t
13. a particular area at a certain period of time simply scroll your mouse over the line The graph on the right charts the increase or decrease in the estimated values between periods as a percentage amount Once again the surrounding zip code city county and state are also plotted on the graph To view the percentage change in value from one period to the next for a particular area simply scroll your mouse over the line 6 3 Comparable Properties COMPS One key factor in determining a property s value is to find out what similar properties in the same area have recently sold for The Comparable Properties section provides you with detailed and up to date comparable sales from across the nation To access a properties COMPS simply click on the Comparable Sales tab at the bottom of the screen A lo There are three methods to search and determine comps Quick Comps Full a eee Comps Search and Map Ming Ase 28LEIONG RDS based Search eda 6 3 1 Quick Comps e EMIR PAL 46 LOT F PT SL SDE 13 TAP 71 RON l The Quick Comps section 163 11 404 007 3671 2405007 provides an instant ll I snapshot of best matches e EERE EEEE eee for the subject property you n are viewing Several factors 2o SS EPLAMINGO AD HH LAS VEGAS wy n 2 2 PLIN are ta ken into accou nt A 2502 SAN LAGO ET LAS VEGAS Hu Lit 7 PURO 10 200 paasa k 4 MT TOMER LN LAS WEAS Pri F 1 atg E 000 prire including the property s 3730
14. all of the relevant information in the Supplies 0 00 000 appropriate fields continue to the Yearly Expenses Increase Electricity 75 00 900 00 field Here you can determine the annual increased cost in Gas 0 00 0 00 your operating expenses as either a percentage or as a fixed Sewer And Water 000 000 dollar amount Simply select the field and enter in the Telephone 000 000 Other Utilities 100 00 1 200 00 corresponding value below The Summary section will display the total monthly operating cost for your property If you left the eee default setting of calculating for the entire property then ______ the field Total Monthly Operating Expenses will be displayed Total Monthly Operating Expenses 114240 Total Per Unit O with a dollar amount If however the Apply Operating Expenses per Unit box was selected two fields will be displayed Total Monthly Operating Expenses and Total Per Unit This will show both the per unit monthly cost and that of the entire property You may view and print a summary of the property s estimated monthly operating expenses by clicking on the View Expenses Report icon at the bottom of the Step 4 screen Once you are finished with this step click on the Next button at the bottom of the screen to go to Step 5 Sales Information 35 6 4 5 Step 5 Sales Information Step five of the Analysis Wizard allows you to specify information relating to the sale of your p
15. allows you to determine your monthly mortgage payment for a particular loan This calculator can be used for Interest Only Loans Fixed APR Loans and a combination of the two Interest Only Loan Term followed by a Fixed APR Term Selecting an Interest Only or Fixed APR 49 Mortgage Type will gray out the fields that are non applicable for each The Mortgage Calculator fields are as follows Mortgage Type Select the Mortgage Type from the drop down menu The options are Interest Only Fixed APR and Combination Amount Enter in the amount you plan to borrow Down Payment Enter the amount of the down payment you plan on making for the property typically 10 20 of the property s value Interest Only Term From the dropdown select the term of your Interest Only Mortgage or the Interest Only portion of your mortgage if you selected Combination Interest Only APR The Annual Interest Percentage charged by your lender for your Interest Only Loan or Interest Only portion of your loan Fixed Interest Term From the dropdown select the term in years of your Fixed Interest Mortgage or the Fixed Interest portion of your mortgage that follows the Interest Only Term if you selected Combination as the mortgage type Se Fixed Interest APR The annual Adjustable Rate Type Standard interest percentage charged by your Lifetime Rate Cap Rate Change Interval OYr OMo Limit Rate 12 000 lender fo
16. ex 1 Bedroom or Studio Quantity Specify the number of units for this unit type Rent Mo The gross rent per month for this unit SqFt The square footage of the unit S SqFt The price per square foot of this unit Occupancy The percentage of time out of the year that there will be a paying tenant in the unit If there is a paying tenant 6 months out of the year you would enter the Occupancy as 50 The percentage sign does not need to be entered Annual Increase This is the annual percentage increase in rent that you will charge Average Monthly Rent The average monthly rent for this unit type factoring in the quantity rent per month and the occupancy percentage Example See below for an example of how a unit s information would be imputed You own a property that has two studio apartments Based on your research and the comps in the area you believe you can get 1 100 mo for your unit which is 620 square feet You believe the unit will be occupied by a paying tenant for 10 months out of the year You would enter Name Studio Quantity 2 Rent Mo 1 100 SqFt 620 Occupancy 83 3 which is 10 12 Based on the information you entered the SqFt Rent field would be i Studio 2 1 100 00 600 51 83 83 300 4 000 1 832 60 33 automatically calculated along with the Average Monthly Rent field Alternatively you can enter the square footage of the unit and the price per squa
17. foreclosure property to your My Properties from within the Quick View page or by clicking on the Add Property button within the box to the right of the map For more information on pre foreclosures pre foreclosures documents and the Quick View page please see the Searching Pre Foreclosures section of this manual Surrounding Foreclosures The Surrounding Foreclosures tab will list the immediately surrounding foreclosures to the subject property within a three mile radius Although the software allows you to search for both pre foreclosures and foreclosures Foreclosure Details 3912 HERFORD LN from within the Lobby and based on your LAS VEGAS NV 89110 specific criteria this tab will list the foreclosures SaaS a Document Number 80321003147 immediately surrounding the property The Unpaid Balance 209 990 28 A 3 Original Loan Recording Date 12 14 2006 number of immediately surrounding foreclosures Trustee Sale Number 8 77264 Borrower 1 Company ACE SECURITIES SERIES 2007 HE4 is displayed in parenthesis within the tab Similar Tee Companyies Ha itle Company FIDEUTY NATIONAL TITLE to the Neighbors tab the properties are mapped Aoi AAA on the screen and listed within the tab along with Owner Information Mailing Address 636 HERFORD LN FL 335103942 their general property information The number iran inai Location Information next to each property corresponds to the OE o peta numbered green arrows on the map To find a
18. in equity shall be brought in California state courts or federal courts located in the state of California CLIENT consents to jurisdiction in the state of California and expressly waives any jurisdiction privileges which may be asserted in connection with this Agreement MISCELLANEOUS TERMS This Agreement may not be modified except by a writing signed both parties 1 Aparty s failure to enforce strict performance of any provision of this Agreement will not constitute a waiver its right to subsequently enforce such provision or any other provision of this Agreement 2 Reservation of Rights EQUIMINE Inc Inc reserves all rights not expressly granted to you in this license agreement 3 This agreement shall be deemed as being jointly drafted and not construed in favor of or against any party CONSENT have carefully read and considered all provisions of this Agreement and agree that all of the terms set forth are fair and reasonable acknowledge and warrant that unconditionally consent to all of the terms of this the terms of this Terms of Use agreement BY INSTALLING THE SOFTWARE YOU EITHER AN INDIVIDUAL OR A SINGLE ENTITY CONSENT TO BE BOUND BY AND BECOME A PARTY TO THIS AGREEMENT IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT DO NOT INSTALL THE SOFTWARE 60
19. properties and click on the View All in Google Earth icon in the far left menu The Google Earth mapping service application will launch with these properties pre populated within it Note this mapping feature is designed so that you can view all the properties on one screen This is useful when viewing properties within a limited geographic region However if you select one property in California and one in New York you will likely be staring at a map of the United States with the two respective properties plotted on the map For more information on how to use Google Earth mapping service please visit the Help section within the Google Earth mapping service application 6 0 Property Home Page Each property in the My Properties section has its own home page where you can view full property information run comparable sales analyze the property and Property List Specific Search Foreclosure much more To access this page simply double click on the Address ATT property from the My Properties page or click on the View 2 ven eS button next to that property Each property s home page contains several features and sections including Quick and Full Details an aerial image of the property as well as additional tools and features in the tabs at the bottom of the page For more information on how o to use and view the map within the si atm te re lil Property Home page please see pde dt Section 1 0 of
20. section details all of the assessed value of both the residence physical structure and the land it resides on To print out a property s Quick View page simply click on Print button at the bottom of the Quick View page To return to the Search Results screen click on Close button in the lower right corner of the Quick View page 15 Adding a Property In order to view the full property details up to 125 property related fields and perform an analysis on the property it must first be added to the My Properties area Of selected Property the software To add a property simply click on the Add AT Le Gee eel Property button located at in the lower right corner of the Quick a TEPE View page Once a property is added all relevant property A PLATE information including maps and full property details will be dle 4 loaded onto your computer Due to the amount of information Bathrooms 3 being loaded and depending on your Internet connection this Sqft 1828 process may take up to thirty seconds waco to is ER Document Type LIS PENDENS The number next to each property corresponds to the Listing Date 11 8 2007 numbered green arrows on the map To find a particular niia lado Apn 22 05 428 075 0000 property on the map simply highlight that property by clicking anywhere in that row The selected property will appear in red on the map Additionally the property s basic information will appear in the box to the right of th
21. software requires the ability to access the Internet in order to effectively function If you have a firewall or similar feature that may block the software from accessing the Internet either add the software to your Safe List or temporarily disable the firewall Once the setup is complete the software s shortcut will appear on your desktop LAUNCHING THE SOFTWARE FOR THE FIRST TIME Step 1 To launch the software double click on the software shortcut on your desktop Step 2 If there are new updates to the software a pop up screen will appear Click Yes to accept the updates recommended of Reh Dds Econ EE cr Welcome to Rich Dad s Education Step 3 Enter in the 10 character Activation Please enter your 10 digit Activation Code that is affixed to your Data Subscription Agreement forn Code from the sticker on your Student If you don t have an Activation Code or would like to register an additional account click here Agreement Activation Codes include both Activation Code Activation Code numbers from 0 9 as well as letters from Cancel Register cla A F If you did not fill out the Data Subscription portion of your Student Agreement click on the link at the bottom of the screen to fill one out online your Activation Code will appear after you fill out the online Agreement For additional help or information contact Customer Service at 877 817 7377 Click the Register button once
22. subject property appearing in blue Subsequently its neighbors surrounding pre foreclosures and surrounding foreclosures will now be displayed Selected Property 219 S 16TH ST LAS VEGAS NV 89101 Add Property Est Value 185 542 Sale Price 117 000 Sale Date 1 12 2004 Bedrooms 2 Bathrooms 2 Saft 1192 County CLARK Distance From Subject 0 03 Search This Property SS Surrounding Pre Foreclosures The Surrounding Pre Foreclosures tab will list the immediately surrounding pre foreclosures to the subject property within a three mile radius Although the software allows you to search for both pre foreclosures and foreclosures from within Pre Foreclosure Details the Lobby and based on your specific criteria this tab will list all pre Document Type Document Number Unpaid Balance Auction Date foreclosures immediately surrounding the property The number of immediately Original Loan Recording Date Original Loan Amount Original Document Number Trustee Name Trustee Address Trustee Phone surrounding pre foreclosures is displayed in parenthesis within the tab Similar to the Neighbors tab the properties are Trustee Sale Number Borrower 1 Name mapped on the screen and listed within pair Title Company Code Title Company the tab along with their general property information The number next to each Owner Information Mailing Adoress property corresponds to the numbered
23. 5 NOTICE This publication is produced as a companion guide to the Rich Dad s Education Real Estate Success Software It is provided with the understanding that the publisher is not engaged in rendering legal accounting or other professional opinions If legal advice or other expert assistance is required the service of a competent professional should be sought Reproduction or translation of any part of the information contained herein in any form or by any means without the written permission of the owner is unlawful Access to certain software features is subject to maintaining a valid data subscription INSTALLATION INSTRUCTIONS Step 1 Load the software CD into the CD DVD drive of your computer The installation wizard will automatically run and appear on your screen Rich Dad s Education InstallShield Wizard E P Welcome to the InstallShield Wizard for Rich Step 2 To begin the installation process click the Next Dad s Education button in the lower right hand corner of the installation The InstallShield Wizard will install Rich Dad s Education on your computer To continue click Next screen Step 3 Carefully read the End User License Agreement on this screen If you agree to the terms select the Agree button and click Next Step 4 Select a location on your computer to save the ac software s files Click Next when finished Step 5 Click Next to begin the installation NOTE The
24. 733 50 keeping your current residence In the Down Monthly Payment 980 00 1155 00 Payment field enter in the amount of money you plan on putting as a down payment towards a property lenders typically require between 10 20 of the property s value as a down payment although some lenders require little or no money down Finally enter in the estimated interest rate you will be charged by your lender Once you have entered in the information above the calculator will display both a conservative and aggressive estimate regarding the value of the home you can purchase The Conservative estimate uses a Monthly Payment to Monthly Income factor of 0 28 while the Aggressive estimate uses a factor of 0 33 In other words your total monthly payment is calculated as 28 of your income for the conservative estimate and 33 51 of your gross income for the aggressive estimate The calculator also takes into consideration your monthly debt to income ratio If your monthly expenses are 36 or more of your gross monthly income then the Home Value amounts will default to zero as purchasing a home is not recommended For the conservative and aggressive estimates the Home Value Loan Amount and Monthly Payment are displayed The Home Value is the purchase price of the home you can afford while the Loan Amount calculates how much you would have to borrow from a lender based on your down payment amount The Monthly Payment field calculates what
25. 8 2 Contracts The Contract Wizard allows you to generate and edit pre populated real estate related contracts and documents NOTE All forms contained herein are provided for educational purposes only The provider does not assert any warranty express or implied as to the legal effect and or completeness of the forms The provider hereby disclaims any and all liability with respect to these forms The provider suggests that you contact an attorney to ensure that the forms are modified to meet the laws of your state 46 Step 1 To create a contract select it from the template list provided on the screen Once you have selected the appropriate contract click on either of the Next buttons located on the screen Step 2 In the second screen a list of all the Conte 4 properties in your Properties section will en appear You may choose to associate a a contract with one of these properties or seca with no property at all a By associating a property the contract will caida ioiai be pre populated with the current property s information such as the address legal description etc Additionally when you save the contract in addition to saving it within the Contract Manager you will also be able Next to save it under that property s Reports tab for later access Select the property you would like to associate with the contract or check Do Not Pre Populate the Contract at the top and click Next Step 3 In this st
26. 9 S187 476 ata Neighbors The Neighbors tab will list the 25 closest properties to the property you have searched for For each neighbor the address bedrooms bathrooms square footage last sale date last sale amount estimated value and the distance from the subject property are listed By default the results The Estimated Value field is for informational purposes only and is not meant as an assessment or appraisal of that property This field does not take into consideration home improvements views etc and is simply meant as an estimate of what similar properties with similar recorded characteristics have sold or may sell for in that area are sorted according to the distance from the subject property You can resort these results by any field by simply clicking on the field name The number next to each property corresponds to the numbered green arrows on the map To find a particular property on the map simply highlight that property by clicking anywhere in that row The selected property will appear in red on the map Additionally the property s basic information will appear in the box to the right of the map To save that property into your My Properties section click on the Add button to the left of the property in the list or the Add Property button within the box to the right of the map B y clicking the Search This Property button at the bottom of the box a new search will be performed with that property as the
27. 94 86 8 81583 89 976 10 422 57 11 292 81 a provee nts Re i Isis he A UU Paa A ae O necessary cosmetic and structural improvements needed along with Tax Summary their antici pated costs to bri ng Gross Operating Income 109 74000 115 244 40 121 025 05 127 095 87 133 471 38 Total Deductions 60 397 15 60 1454 961 089 61 61 954 79 62 891 31 greater resale value to the property Taxable Income 49 342 85 5509891 5998546 65 14108 70 580 08 Property Comps This report is based on the saved COMPS search you performed on the property The report provides the high low and average selling price of comparable properties as well as a detailed description of the comparable properties Rental Analysis The projected monthly rental and rental related income for this property Expenses Analysis The monthly operating costs associated with this property whether it is for rental maintenance general upkeep or as your primary residence 7 0 News Don t buy home without inspecting attic O We bought a home about three weeks ago a 4 16 0008 The News section provides updated real estate related news articles at your fingertips Within the News section New home technology wows builders Each year the National Association of Home Bu i 7 the articles are listed at the top of the page In order to 40 browse through the various articles you may use the scroll fea
28. AY CONNECTED WITH THE USE OF EQUIMINE INC S SERVICE OR WITH THE DELAY OR INABILITY TO USE ITS WEBSITES OR FOR ANY INFORMATION SOFTWARE PRODUCTS GOODS AND OR SERVICES OBTAINED THROUGH THE WEBSITES OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT TORTIOUS BEHAVIOR NEGLIGENCE STRICT LIABILITY OR OTHERWISE REGARDLESS OF WHETHER OR NOT THE CLIENT KNOWS SUSPECTS OR HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES SO THE ABOVE EXCLUSION MAY NOT APPLY TO THE CLIENT IF THE CLIENT RESIDES IN SUCH A JURISDICTION 59 INDEMNITY As a condition precedent to the use of the EQUIMINE service and or websites of EQUIMINE the CLIENT agrees to defend and indemnify EQUIMINE Inc and its employees agents and or Service Providers from and against any and all liabilities expenses including attorneys fees and damages arising out of claims resulting from CLIENT s use of EQUIMINE s service including without limitation any claims alleging facts that if true would constitute a breach by CLIENT of this Agreement by the CLIENT Choice of Law This Agreement shall be deemed to have been made in the State of California In any litigation arising out of this Agreement the prevailing party shall be entitled to reasonable attorneys fees and costs Jurisdiction All actions brought hereunder whether at law or
29. Contents INSTALLATION INSTRUCETION Susnssociso pitillo yctunnnssat une ssumnetoenunanaceaenyoumnesdehsiuereseae 4 A o PO E 5 ree pila APA A anc unaytnacedannaestusbeanilersnandsaenmaynudseantaneiaadsavetoenetuaeveseaeseanen 5 A AMINE EA OPE No e no E nn 5 SV O RA A e e A 6 Es o nn o E 6 20 Searching a Specific Address ienes ieuo aE ENEE NEN AEE A A 8 Zo Me eTR UE E e E E E E E E EE E 8 A A O E E E A 10 Za Searching DY Street Name tada dador 11 LoL E ROU e EE E E E te deseacePustonutnretes taneceacsh 11 3 0 Searching Foreclosures and Pre Foreclosures ssssssssesssesssrresrrrssrersrrrosressrerssrerssreeseersrereseeeseereseeeeseeo 12 3 01 Rene O R OPON aer E irse iaacweactus nnrasanebeouincntanes 12 POSNE A E E A 13 ES 5 E T E 13 3 2 Search Results Screen essssssssssssersssssrrrrssssereessssrrresssererrssssreressseeresssseerressssereesssereeesseeereessserressseeeee 14 e CPU e e o A 16 4AL Heat AD PPC o In un apannenneaaeaneeenneeescuunee csi aety eek 16 AED SON AU ay asc cste sine vans adie sa econo stonet ones terrane sua ssmaoen eee amu ieee 17 A o A o A 19 A A out NSS 20 VIE PrOPEru siPa Porcile 20 552 Delene a PODET nilo initial 20 5 3 Map with Google Earth Mapping Service cccoocccccncnnnonccnnonanononacnnnnnonnnncrnnonrononaonnnnnononancnnonaronenanoss 20 6 0 Property HONIG P aaa 21 61 Property Detail Sa AA id A 21 6 11 QUICK Property Details austral all 22 61 2 FUIN Property Detail A TA 22 6 2 SUAUIS
30. ENT during the term of CLIENT s valid subscription a non exclusive non transferable license to use the data information and services provided through the EQUIMINE website subject to the License Restrictions set forth hereafter License Restrictions CLIENT represents warrants affirms and agrees that the data information and services provided by EQUIMINE to CLIENT will only be used by CLIENT and that CLIENT will not permit or allow the data information and services to be used by an agent representative consultant officer director shareholder parent organization subsidiary organization third party or any other person or entity unless CLIENT has the appropriate subscription allowing such expanded use CLIENT further represents warrants affirms and agrees that CLIENT will not transfer sell convey use resell or sublicense any data information or services provided by EQUIMINE to CLIENT in any medium form manner or format whatsoever for any purpose including but not limited to the following 1 Use other than CLIENT s own personal use i e no commercial purpose or use is permitted 2 Reproduction reformatting publication distribution or dissemination associated with any service or product provided or made available to any third party 3 Marketing or telemarketing uses 4 World Wide Web Internet or online uses 5 Real estate valuation models programs or systems 6 Inclusion or in combination with any other service or
31. S BS a number of properties that match your specific search criteria in the last week month and 3 months are listed Additionally the date in which the search was last run appears to the right 13 To delete a saved search click on the Delete button next to that particular search To run a saved search click on the Load button next to that particular saved search This will populate the original information you had saved into the Foreclosure Search area To view the new results of the saved search click on the Search button at the bottom of the Foreclosure Search screen 3 2 Search Results Screen Once all of the properties that met your criteria in the city or zip code you searched are loaded they will be displayed in the Search Results screen This screen provides a brief glimpse of the various properties that matched your search criteria As a reminder your search criteria appears in the blue area in the middle of the screen The number of matching properties appears in parenthesis in the tab at the bottom The basic information displayed is the pre foreclosure or foreclosure document type property address number of bedrooms and bathrooms the square footage the estimated value of that property and the amount and date of default You may sort the list by any field simply by clicking the field s name at the top to sort either in ascending or descending order Pre Foreclosures 37 Document Type Address City State Zi
32. UICS ni ets 24 6 3 Comparable Properties COMP Sua aii 24 GLOCK COMO S a aia 24 5 32 FUICOMPS SC CN io 25 003 FUlCoOmps RESU o tedio 26 6 24 Map Based COMPS anni 27 Bo COMPS REDO En o ai 27 G26 Savine COMPS Results 27 DAANA SIS WVIZAN Cl tdi 28 6 4 1 Step 1 Mortgages and Closing COS Sud dde 28 642 Step Improvement and Rena Dunensis ia oi id 32 AS SEEN TN E E A E PE E E E E E E T 32 644 Step 4 Monthly Operating Expensas 35 645 Step 52 Sales nto id OA E E E 36 6 45 SLED Compete OVE W ieai dE 37 Be A E E T E O E A O 38 B26 Nearby Ere FOrECIOSUTG S uaran a N a 38 Ba Near DV FORECIOSUNCS cai iia 39 BiG REPONS aian ni 39 TO INOW oraret A EE A NEA N E E A e NEA 40 O erat es eee ieee eee ia ne eens one eterna ae 41 Bi COMACE Mana ai 41 S L Adame CONTAC turrin eE e A iia 42 0 1 2 Edit ana Delete Contacta lcaas 43 SLS Managing COIN ICTS lt A AR A 43 ade A ie AI VE MMM Oe RA 43 A A AO 44 S Lo Financial Statementiascaananan dinastia 45 eZ OPAC ES ca ctaat I EREE N NAR 46 IVI ACCOUN metecrtna carionncteha tecsaiantaateea aus mate vention oaaiactvaet oles lec deseaunen aaa ats iecen aa eaten ehauticbes acenaemeteenaunias 48 ero pie airinn tick PEC O etc a ERE A T E E AAO 48 SSANIE VV IZ ARG E E CO In Mahala telatece diet jansiod jandoestacwaenattated alc 49 8 0 Morteage Calculator a a ee ee ne 49 8 7 Home A ordability Calculator aa 51 B S Mortgage Acceleration E N A E O S 52 Terms of Use and End Users License Aerea mentianan na cis 5
33. able Fields Make sure to save this information before exiting the window To track the tenant s monthly rent checks simply add a record to the Payment History table To add a received rent check simply click on the Add button at the bottom of the screen A pop up screen will appear prompting you to enter the check amount check number the date the check was received any notes you want to add To save this information click on the Add button in the pop up screen To cancel the new record click on the Cancel button Once the payment record is added it is stored in the Payment History table To remove a payment record simply select the record and click on the Delete button at the bottom of the table Sorting and Printing The Payment History table allows you to sort in either ascending or descending order your payment history records either by date amount check number or notes Click on the appropriate title at the top OS 03 01 2008 To Date 03 05 2008 43 of the table in order to change the sorting criteria You may filter through the payment records by using the Date Range Filter located at the top of the screen Simply select the starting and ending date and only payment records made within that period will be displayed To print a tenant s payment history select the appropriate date range from the top and click on the Print Info button at the bottom of the screen Once you are finished click on the Save amp Close bu
34. arby Foreclosures Reports reports are ee j 9 d y Reports Premium Reports Preview generated and Name Date Description Assessors Map stored in this area ve Gemplss nsss AcalesionofalineansissRepons Document Image Viev Mortgage Analysis Summary of mortgages additional expenses and closing costs hesi Aag Veit These reports are egal And Vesting View Improvements Analysis Summary of all costs for improving the property BasisPASS Viev Rental Analysis Summary of all rental units and their income Purchase Complete Analysis a nn e ETTE N A lj O A R e p O rt en C O m b j n e S View Property in Gooale Earth Back to Mv Propertie all other reports into one comprehensive presentation report A cover page is included with your logo and contact information pre populated along with the property address the report is for 39 Cash Flow Analysis This report allows you to view all up front recurring costs and income over the duration of your analysis period This report also calculates the point at which the property becomes profitable for you as well as your net operating income and returns Tax amp Deductions This report calculates your annual taxable income liabilities deductions as well as your net income after taxes for the analysis period you have specified Property Sale This report relates to the sale of your property Taking into account the value of your property at the t
35. d contract select the contract from the Saved Contracts list and click on the Delete button in the lower right hand corner A confirmation pop up will appear To continue with the deletion click OK otherwise click Cancel NOTE Deleting a contract from the Contract Manager will also delete it from the Reports tab of the associated property Viewing A Contract To view a saved contract or a contract template simply select the contract and click on a the View button located at the bottom of the screen 8 3 My Account You can add your contact information as well as upload your own custom logo for use on the Analysis Reports and Templates using the My Account feature To access My Account a e this feature click on the Tools menu at the top and select the Personal Info My Account icon from the bottom of the screen Once the My a Your First Name Account Screen appears fill in the contact information you want a Your Last Name to use when generating reports within the software You may j Your Mailing Address also upload your company s logo or a custom one to be Your Phone Number included in these reports as well To upload a logo click on the Your Email Choose Logo button Select the image from your computer that you want to use as your logo Once you have made the Your Logo selection you will be able to preview it in the Logo window To Choose Logo set this logo as your default logo click on th
36. e areas those areas right on the border of the neighborhoods that did meet your requirements To clear your search criteria and start over click on the Reset button on the far right of the screen 5 0 My Properties The My Properties area of the software is where all of your saved properties are kept From here you can view full property information run comparable sales analyze the properties in detail as well as br My discal much more The functionality that the My Properties area allows is the heart of the software and helps you make informed decisions regarding potential investment properties 5 1 My Properties Page The My Properties main page displays all of the saved properties from the searches you have performed The information displayed on each property includes the complete address number of bedrooms bathrooms the last sale date and price as well as the estimated value for that property To sort your listings based on any of the fields simply click on the name of the field once to sort in ascending order twice to sort in descending order The properties that you have saved are plotted on the map above To zoom into a particular property simply select that property from the list below selected properties will be highlighted in blue By default the My Properties page will include all of the properties that you have saved You may filter your saved properties and show only those that have I be
37. e Apply button at the bottom right of the window Note The acceptable image formats are jpg bmp and png To save your account information click Ok 8 4 Preferences Cancel Apply The Preferences section consists of three tabs one for ROI Analysis one for Reports and finally one for Search Preferences The first tab allows you to store tax depreciation and property valuation information to be used as a default in all your property analysis These fields will be displayed in Step 5 of the Analysis Wizard You may edit these global fields from here or per property from within the wizard Under the Reports tab you may select which logo if any appears on your reports and letters The field labeled User Logo is the logo you saved in the My Account section Search Preferences 48 The software s default setting is to display ten records in each search results page To display more or less properties per page select the Miscellaneous tab within the Preferences screen Here you can adjust the records per page that are displayed up to 100 Once you have selected the appropriate records per page click on the Apply button 8 5 Analysis Wizard The stand alone Analysis Wizard allows you to quickly perform a complete analysis of a property without having to save the property or associate it the analysis with a particular property This feature also allows you Save various analyses for later reference The stand alone Analysis W
38. e in the zip code sl Amenities This area allows you to specify certain property characteristics to be included in the results These are bedrooms bathrooms and a property square footage range Price The Price section allows you to specify either a range in the estimated values of the properties you re seeking and or a certain percentage growth over a set period of time To enter a value in one of these fields simply click on the field and type in the appropriate figures If you are using the percentage growth field select the time period over which the growth has taken place from the drop down menu When you are finished click on the Search button on the right hand side of the screen The results will be displayed on NI AA AS f A y W AYSAN the map All the y 4 as em e d BES properties that aT A S Sen l Be A AA met our 4 T Se 3 Dik JIS BY Henderson aes rot Ee y z E pT NE mee i MEE N lt A T pra Jaks gt e q a gt Flood a i gt Te Ravenswood a E Park de ad A bal particular ET a ala e PRA if Thin an ad Es ANO ay t Lindenwood La criteria will be represented with a red dot The higher the concentration of Mig Vin ica dots in a L A particular area the more properties that met your requirements thus making them a good candidate 19 for possible investment in Depending on your needs you may also want to look more closely at fring
39. e map To save that property into your My Properties section click on the Add Property button within the Quick View page or the Add Property button Quick View search This Property within the box to the right of the map B y clicking the Search This Property button at the bottom of the box a new property search will be performed with that property as the subject property as if you typed in its address into the Property Search section of the Lobby Subsequently its neighbors surrounding pre foreclosures and surrounding foreclosures will now be displayed For more information on the Property Search feature refer to Section 2 0 of this manual 4 0 Trending The Trending section of the software allows you to find and compare areas that meet both your investment capabilities and requirements Trending allows you to compare values and growth rates across different areas neighborhoods and even from one property to the next 4 1 Heat Map A Heat Map represents values in the form of colors where lighter colors indicate lower values and darker colors indicate higher values The Trending application uses the Heat Map to represent various values and metrics on the map 16 Calgary o Regina aif o Winnipeg Laxa P Sunari Ae ao Lake Quawa i Huron _ Boise gi TA igforonto a rit Y i ae a ae kwa hica f Detroit 2 PU Boston URN SITAE DIES T Antie So oP fale s D nver DA eee E ly arna p lisi e few York yi ps
40. eakdown of the information found in the various sections of the Pre Foreclosure and Foreclosure Detail Reports Note The information found within these reports varies depending on the county and the actual recorded information for that document and property Most Recent Foreclosure Transactions This section provides you with detailed information regarding the pre foreclosure itself such as the amount of default the date the notice was filed and the court document number In addition are the lender and trustee information those responsible for foreclosing on and selling the property at auction along with their respective addresses and telephone numbers Owner Information The owner information section includes the name mailing address and telephone number of the property s current owner 14 Location Information This section gives you the property s legal location as it pertains to the county assessor and county maps This section includes the properties legal subdivision and lot as well as its unique Assessor s Parcel Number APN Owner Transfer Information The owner transfer information provides the last title transfer information filed with the county This includes the date the sale was recorded the sale amount and the document number pertaining to that filing Last Market Sale Information This section provides you with information on the last sale price and date for the property Characteristics The pr
41. ear 3 years 5 years 10 years Mortgage Term the length of your mortgage or over a number of Months Simply select the button next to your choice If you want to analyze the property over a period less than a year select Months and enter in the number of months over which you would like to analyze the property Once you are finished with this step click on the Next button at the bottom of the screen to go to Step 6 Complete Overview 6 4 6 Step 6 Complete Overview The final step of the Analysis Wizard is a complete overview of the expenses fees income and investment potential for the Step 6 of 6 Complete Overview property you are performing Complete Analysis Expenses Analysis e Rental Analysis ysis View a summary of al A collection of all the Analysis x View a sum y of all monthly mr a View a summary of all rent units the d n d lys l S O n These d re Reports E E operating expense aie and the total monthly income ro ing expenses broken down in easy to read reports based on each step of esio View Report View Report the Analysis Wizard A a al sae ence preview of each report is jae NTE ea se displayed on the screen for j View Report View Report View Report convenience To view a Improvements Rehab Analys gt Tax And Deductions 1 1 ESE TE View a summary of all costs for A summary of all property report simply click on the IIA os me propor rr improving the property from ex
42. een will appear uD Nsrishle Rates us ade Hak pee Sanders Uime Pete Cap Hybrid Ria Chany terval Pr Gh Liza Bale 12000 In the Adjustable Rate Type dropdown select the type of Adjustable Rate Mortgage Standard or Experked Fale Change ANA Litai mira Rate Change Interval The regular period of time at which your rate adjusts Expected Rate Change The amount your rate will increase at each interval do not enter in the symbol Limit Rate This will set a cap for your interest rate after which the rate will maintain fixed Limit Increase This will set a maximum allowable increase over your base rate For a Hybrid ARM a fixed rate period followed by an adjustable rate mortgage select Hybrid from the Adjustable Rate Type drop down menu Hybrid ARM Type 11041 ARM y Hybrid ARM Type Select from standard ARM types or select Custom to ed Fate Tem SAUSAU specify your own fixed rate and adjustable rate terms Rate Change Interval Ov OMo Expected Rate Change 0 000 Fixed Rate Term The length of time the mortgage rate remains fixed Rate Change Interval The regular period of time at which your rate adjusts Expected Rate Change The amount your rate will increase at each interval do not enter in the symbol Once you have completed the various steps click OK to save the information and go back to Step 1 of the Analysis Wizard Extra Payment Frequency Monthly Extra Payment
43. en saved through the Property Search screen or the pre foreclosure and foreclosure properties you have saved To change the list simply check or uncheck the box next to the Specific Search or Foreclosure text fields below the map 5 2 Deleting a Property To delete a property from your My Properties area check the box to the far left of the property you want to delete Next click on the Delete Checked Property button in the middle of the screen A confirmation screen will pop up to confirm the deletion of the property Click on Yes to delete the property or No to keep it in your Properties page Once a property is deleted it can only be restored by repeating the search process and saving it back to My Properties You may also select multiple properties to delete at once by selecting the check boxes next to each appropriate property Only one confirmation screen will pop up regardless of the number of properties you have selected to be deleted 5 3 Map with Google Earth mapping service In addition to the software s built in mapping tool users have the option to view selected properties through the Google Earth mapping service If you have not already downloaded Google Earth mapping service to your computer you can find the download link on the Google Earth mapping 20 service website To view a property or multiple properties using Google Earth mapping service simply select the checkboxes at the far left of the
44. ent 000 _ 0 00 EA vives Interest Term 3owomol aoveowa YOU plan on obtaining using the drop down menu The choices Fixed Interest APR 6 000 2 are Interest Only Fixed APR Combination interest only loan Monthly Fixed APR Payme 3 027 13 0 00 Compound Period Monthly Mont followed by a fixed rate mortgage and Acceleration Selecting Adjustable Rate Mortgage Define Rates Define ates either the interest only or fixed rate mortgage will gray out the rd m Has Balloon U fields for the other mortgage type Extra Payment Frequency Extra Payment Amount 0 00 Bi Weekly Payments Ne is Ne Enter in the amount of the first mortgage you plan to borrow Final Payment Date 12 01 37 12 01 29 Effective Term 30Yr0 Mo 20v0Me along with the down payment you plan on making in the o TE o appropriate fields below the mortgage type Next input the Amortize Amortize term of either the interest only or fixed interest mortgage you plan on taking out followed by the annual interest rate you will be charged If you selected a combination mortgage first enter 28 in the term and rate for the interest only portion of your loan then for the Fixed Interest portion that follows Adjustable Rate Mortgage If your mortgage is an Adjustable Rate Mortgage you can specify the adjustable rates and the dates in which they adjust by clicking on the Define Rates button A pop up scr
45. ep the various fields of the contract will be displayed for you to populate Enter in the appropriate information in each section In sections that require an individual s name such as a buyer or seller a drop down menu allows you to select a name from your list of contacts or you may simply type ina name To move to the next page of the contract click on the Next button at the bottom of the screen Once you have completed all of the pages you can then save the contract Step 4 To save a contract click on the Save button at the bottom A screen will appear prompting you A Save Contract to name the saved contract Enter in a name or title and click OK Mame Your contract will be saved in the Saved Contracts area at the bottom of the Contract Manager screen Additionally if you associated a property with the contract it will be saved in that property s Reports tab Editing a Contract To edit a saved contract select it from the list at the bottom and click on the Export and Edit or button located in the lower right hand corner You will then be prompted to save the document to your computer The full contract will then automatically load in your default text editing program i e Microsoft Word or similar Once loaded you may edit the contract and save it once again to your 47 computer Modifications made to the contract will not be saved in the Contract Manager or in the Reports tab To delete a save
46. es regardless of whether they are occupied or not This step of the Analysis Wizard helps you to determine and calculate those fees and how they affect your overall bottom line for this property The default setting for the monthly operating expenses is set for the entire property Therefore the insurance amount you enter would be for the entire property If it is easier or more convenient to calculate these costs on a per unit basis then check the box at the bottom next to Apply Operating Expenses per Unit The total monthly operating expense for the entire property will be calculated at the bottom in both cases Start by entering your estimated monthly or annual costs for each of the fields provided Entering an amount into one of the two fields will automatically populate the other Some fields only apply in certain situations For example if you are going to rent out the Operating Expenses property you may want to place an ad in the local newspaper Monthly Annually which would incur an advertising fee However if you are Property Taxes 24885 2 986 18 planning on occupying the property this fee would not apply Advertising 000 00 and would therefore remain zero Some fields such as Janitorial Service 000 000 insurance will apply regardless of whether you rent out Legal 0 00 000 occupy or leave the property vacant Licenses 000 000 Repairs And Maintenance 5000 600 001 Once you have entered
47. ger screen or select the contact by clicking once on it and selecting the Edit Contact button at the bottom This will open up the contact s record Once you have edited the appropriate information click on the Save amp Close button If you select cancel or close the window without saving the updated information will not be stored To delete a contact first select it from the Contact Manager screen A selected contact will be highlighted in blue Once you have selected the contact click on the Delete button at the bottom of the screen A confirmation screen will appear to confirm that you wish to delete the contact To delete the contact select YES on the confirmation screen otherwise click NO to keep it stored 8 1 3 Managing Contacts In addition to storing your contacts information the Contact Manager also allows you to manage all communications and interactions with your various contacts To access the contact management features simply open the contact s information and select from one of these tabs Tenant Info Appointments and Financial Statement 8 1 4 Tenant Info The Tenant Info section allows you to track rental information and payments for those contacts that are your tenants This tab will only appear if the Contact Type in the dropdown menu is set as Tenant To add a tenant s initial rental information fill in the appropriate amounts for the Monthly Rent Security Deposit Last Month s Rent and Deposit Refund
48. growth of two or more shapes against each other select the checkboxes next to the appropriate shapes in the Shapes list To compare all the shapes against each other check the box at the 18 top of the list Once you have selected the appropriate shapes for comparison click on the Compare button in the top right of the Shapes section This will perform a side by side comparison of the selected shapes and graph their growth over the last five years in comparison to each other To remove a shape from the Shapes list simply click on the Remove button next to that corresponding shape in the table Using the map you may also add particular properties of interest to your My Properties section In the areas where parcel information is available simply click on the parcel and select the Add to My Properties link For more information on saving properties from the map please see Section 1 4 of the user manual 4 3 Find It Compare Find It E Search Criteria The Find It tab within the Trending application puts the software to work for you This section will pinpoint the various areas and properties that meet your Location State CALIFORNIA City SAN FRANCISCO particular investment needs The Find It section is divided into three parts Location Amenities and Price Location Here you can specify the area you want to search within Either select pon i Zips the state and city from the drop down menu or simply typ
49. h the map on top and the individual results listed and numbered below On the map the blue house pinpoints the location of the property you have open The numbered green houses plot the location of the comparable properties listed below the map Each house number corresponds to the property number on the far left of the property list For example the house marked oes AULA ST RAG WOR NY 1 3105 TOBA ET LAS VEGAS OB 4 on the map would correspond to the fourth io 3773 MLDEBRAND LN LAS VEGAS AV J e 1 JOR CARLOTTA CIA LAS VIGAE MY EN A 15 7353 REGENCY CONE CT LAS VEGAS NY property in the comps list below it To find the house that corresponds to a property simply click on the property from the list The selected property will be highlighted in the list and the corresponding house on the map will be in red You may view all the comparable properties using Google Earth mapping service by just clicking on View All in Google Earth at the top of the screen 26 The comparable property list gives you a brief overview of the comparable homes that matched your search criteria For each property the address number of bedrooms and bathrooms the last sale price the last sale date and the distance from the initial property is listed 6 3 4 Map Based COMPS The Map based COMPS feature allows you to specify areas and neighborhoods from which you would like to pull COMPS from From the COMPS search resul
50. he end of your A paas selection this will anchor the bottom right corner of the box Once you have the box over the area you want to zoom in on release your finger from the left click button 1 2 Panning The Interactive Map allows you to pan around the vicinity of the area or property you are viewing In order to view a Satellite image of the area directly adjacent to the property simply click on the map with your mouse and without releasing the eft click button on your mouse move your mouse in the direction you would like the image to move For example to view the area directly above the area you are viewing you would click and drag the map and your mouse downwards 1 3 Map Views The Map View feature provides four different map views that you can view Aerial Hybrid Street and Bird s Eye The Aerial view provides you with a satellite yiew Type Aerial Hybrid Street Bird s Eye image of the area exactly as it would appear from the air directly above The Street view lists and maps the streets in the area without any additional imagery The Hybrid view combines both the Aerial and Street views into one by overlaying the Streets view onto the Aerial view Here you can see both the satellite image and the streets that crisscross the map area you are viewing The Birds Eye View provides an up close image of a particular area as seen from an angle in the sky or as a bird flying above would see the area
51. he part of the map you would like the center of the circle to be Using your mouse move outwards away from the center until the circle encompasses the properties you want to include in your selection Once you have the circle around your desired properties use the right click button on your mouse to finalize the shape and disengage the drawing t Pe TY a Y A ch i pr i tool ee DS Sa Ss vale e he a Freehand This tool allows you to draw a series of lines which get connected into a shape around a property or group of Ai lt properties To use this tool click on the starting point of your group of properties and move your mouse to the next area You will notice a line following your mouse Once you have 1 pa A reached the point where you want that line to end simply use the left click button on your mouse This will fix the position of the first line and begin a new one With each subsequent line or click the selected area becomes highlighted This tool is best used for outlining certain neighborhoods or properties that do not follow a certain geometrical shape Once you have highlighted your selection area use the right click button on x ai y your mouse to finalize the shape and disengage the drawing tool 2 0 Searching a Specific Address The software allows you to pull up detailed information on millions of properties throughout the United States by simply typing in the full address the st
52. he right arrow or simply dragging the bar to the right will increase the brightness of the colors on the map Clicking on the re ye left arrow or dragging the scroll bar to the left will decrease the brightness To Qption Heat Map turn the Heat Map on and off simply check or uncheck the box at the top of the screen labeled Heat Map 4 2 Compare The Trending application allows you to zoom down and compare value and growth of various areas based on your particular selections Use Microsoft J Virtual Earthi ets E your mouse or the zoom features at the bottom of the map to zoom into the particular area you are interested in trending For more information on how to use the map s zoom features and selection tools please refer to Section 1 1 of the manual Once you have reached the area and the zoom level at which you want to compare areas you can use the selection tools to the left of Tending idese Eana Open Heat M0 anos las the map to specify those areas l Depending on the shape of the area you want to select choose from either the Rectangle Circle or Freehand selection tools Use the tools to select the neighborhoods or properties you would like to trend or compare You may make as many selections er Shug Compare fs birabed valor 15 Total Properties Awg Value deg SqFt dg Price Sq Pt dwg Beds Avg Baths Pi as you like allowing you to a sia ead PP You 770659 1046 38 3 kame pinin
53. he screen 54 NOTICE TO ALL USERS CAREFULLY READ THE FOLLOWING LEGAL AGREEMENT Terms of Use and End Users License Agreement The following software and subscription services are being provided to you by EquiMine Inc EquiMine on behalf of Rich Dad Education LLC Company As such by agreeing to access such software and services the end user Client hereby agrees to abide by the terms and conditions outlined below vis a vis Client and EquiMine in addition to any terms and conditions agreed to by and between Company and Client pursuant to a previously entered into Student Purchase Agreement Agreement In the event of any conflict between a previously entered into Agreement by and between Company and Client and these terms and conditions the terms and conditions of the Agreement shall control By subscribing to EQUIMINE you become a CLIENT of EQUIMINE EQUIMINE offers services to you the CLIENT conditioned on your agreement to adhere to the following Terms of Use without modification or reservation of any kind CLIENT s agreement with EQUIMINE and or use of EQUIMINE s services constitutes CLIENT s unconditional acceptance to these Terms of Use These Terms of Use are subject to change by EQUIMINE in its sole discretion at any time without prior notice by posting upon its web site Based upon the CLIENT s agreement to adhere to and fully comply with these Terms of Use EQUIMINE grants and conveys to the CLI
54. he year in which the property was built 9 10 11 12 13 14 15 16 17 18 19 20 21 22 Square Feet The size of the property structure in square feet _ Reset 23 24 25 26 27 28 29 0 30 31 1 2 3 4 5 Number of Bedrooms The number of bedrooms the residence contains Number of Bathrooms The number of bathrooms the residence contains Once you have filled in the appropriate fields click on the Search button at the bottom of the Foreclosure Search screen To clear all of the fields you have entered click on the Reset button within that section 3 0 2 Saving a Search At the bottom of the Foreclosure Search screen is a Save Search field This allows you to save the search you are performing within the Saved Searches section of the Lobby To E Save A save a search check the box next to the Save text A Name field will Name Utah Properties appear allowing you to name that particular search Once you click on eT the Search button it is automatically saved within the Saved Searches section to the right of the Foreclosure Search section 3 1 Saved Searches The Saved Searches area within the Lobby lists all of the pre foreclosures and foreclosures searches that you have saved This section serves as an alert system letting you know when and how many new properties match your specific requirements Searches are sorted by date with the most recently saved searches at the bottom Next to each o Ham Week Month Mes E
55. hysical structure built on the site This includes the number of bedrooms bathrooms square footage year built and much more Site Information The site information area gives a description on the site or section of land on which the property resides This information includes lot size zoning information and permitted land use Foreclosure Info Section Note This section will only appear if the property was saved from the foreclosure or pre foreclosure search results screen Recent Foreclosure Transactions This section provides you with detailed information regarding the pre foreclosure itself such as the amount of default the date the notice was filed and the court document number In addition are the lender and trustee information those responsible for foreclosing on and selling the property at auction along with their respective addresses and telephone numbers Owner Transfer Information The owner transfer information provides the last title transfer information filed with the county This includes the date the transfer was recorded the transfer amount and the document number pertaining to that filing Sales Info Section Last Market Sale Information This section provides information regarding the last sale price and date of the property when the current owner purchased it In addition to the last sale price and date this section includes mortgage information such as the first and second loan amount as well as the respec
56. ies their face value and their total value e Real Estate Owned If your contact customer owns any real estate click on this tab and the relevant property information as well as any outstanding loan balances Personal Property and Liabilities This area allows you to track other tangible assets of your contact as well as additional liabilities or outstanding debts owed e Personal Property To add a valuable asset automobile boat etc for your contact select the New button and enter in the type of asset the description and the value of the asset e Liabilities Select this tab to input any additional non real estate debts or liabilities for your contact such as a vehicle or student loan e Alternate Credit Info Select this tab to add any additional creditors that this contact may have Print Once all assets liabilities and income are recorded for your contact or prospective client you can generate and print a complete financial statement for this individual To generate a financial statement click on the Print Financial Statement button located at the top of the Financial Statement screen This will generate a printable financial statement along with a cover sheet and formatted areas for each specific section To save the financial information you entered click on the Save amp Exit button located at the bottom of the screen You can always return to add edit or delete any of the information you entered
57. ime of sale its depreciation as well as your costs this report allows you to determine your net profit loss for each year of Beginning 11 02 06 a a p revel ai eat 10 VU YY A per ating Expenses Increase the analysis period 7328 SUNSPOT DR Initial Capital Improvements LAS VEGAS NV 89128 Property Depreciable Amount Depreciable Years n x Depreciation Method Mortgage Analysis Provides a ist Year 2nd Year 3rd Year dh Year Sth Year brea kd own of the a nticipated Noverber 2007 November2008 November 2009 November 2010 November2011 Tax Details monthly mortgage payments and Operating Expenses C OSI ng costs were yo u to p urc h ase Monthly Operating Expenses 34 820 40 35 26501 36 4096 38 049 19 39 190 67 the prope rty Total Operating Expense Deductions 34 820 40 amp 359650 3699096 3304019 39 19267 Dep reciation Building Structure 10 909 09 10 9090 10 9090 10 909 08 10 909 09 Pro perty Detail A printa ble Capital Improvements 131 64 131 64 131 64 131 64 131 64 j a e a a a ia aan overview of the property s Morigages characteristic S includin g square First Mortgage Interest 14 536 02 13 239 75 13 05792 12 864 87 12 659 91 Second Morigage Interest eee AAA ee MEA AA footage previous sale prices and Total Mortgage Deductions 314 596 02 1323979 1305792 12864 57 12 659 91 more State Tax 0 00 0 00 0 00 0 00 0 00 Federal Tax 7 8
58. izard entails the same steps and information as the Analysis Wizard found in the Properties section For detailed instructions on how to use the Analysis Wizard please refer to Section 6 4 of the manual Saving an Analysis Once all of the steps of the Analysis Wizard have been completed click on the Save Data button in Step 6 A pop up window will appear asking you to name the New Analysis Saved analysis Once you have named that analysis Please entera name for the analysis MN click OK The saved analysis will appear in the left hand OK Cancel area of the screen Renaming an Analysis To rename a saved analysis simply select the analysis from the dropdown list on the left and click on the Rename button in the bottom left corner of the screen A new pop up window will appear prompting you to enter in a new name Once you have entered the new name click OK Loading Editing an Analysis Saved Analyses To load a previously saved analysis simply select the analysis from the ee House 2 dropdown list Here you can make changes and resave an analysis No changes will be saved unless the Save Data button in Step 6 is selected Deleting an Analysis To delete an Analysis select the saved analysis from the list and click on the Delete button A confirmation pop up will appear To permanently delete the analysis click OK To cancel the deletion click on the Cancel button 8 6 Mortgage Calculator The Mortgage Calculator
59. l list the immediately surrounding pre foreclosures to the subject property within a three mile radius Although the software allows you to search for both pre foreclosures and foreclosures from within the Lobby and based on your specific criteria this tab will list all pre foreclosures immediately surrounding the property The number of immediately surrounding pre foreclosures is displayed in parenthesis within the tab Similar to the Neighbors tab the properties are mapped on the screen and listed within the tab along with their general property information The number next to each property corresponds to the numbered green arrows on the map To find a particular property on the map simply highlight that property by clicking anywhere in that row The selected property will appear in red on the map B y clicking the Search button to the left of each pre foreclosure a new search will be performed with that property as the subject property appearing in Blue Subsequently its neighbors surrounding pre foreclosures and surrounding foreclosures will now be displayed 38 For more information on pre foreclosures pre foreclosures documents and the Quick View page please see the Searching Pre Foreclosures section of this manual 6 7 Nearby Foreclosures The Nearby Foreclosures tab will list the immediately surrounding foreclosures to the subject property within a three mile radius Although the software allows you to search for both pre forecl
60. m _ 27YriMo displayed along with the total out of pocket payments you would have Total Interest _ 560 527 47 made to your lender over the course of your loan term Total Paid 1 035 527 47 Amortize If you selected the mortgage acceleration you will notice a reduced loan term and increased monthly payment due to your additional payments If you plan on taking a second mortgage in order to purchase the property select the checkbox next to the Second Mortgage field Repeat the steps above using your second mortgage type rate term and amount You may view each mortgage s amortization schedule by simply clicking on the View Amortization button below each mortgage The amortization schedule gives you a detailed breakdown of your monthly mortgage payment over the term of your loan and how much of each month s payment goes towards interest and principal Morigage Type Fixedinterest Fixed Interest APR 7 00 Amount 540 000 00 Down Payment 0 00 Amortization Schedule Fried Interest Term 30 Y ears Interest Paymeni Due Date FA22007 SA 2007 SA2007 10 1 2007 11712007 12 1 2007 Payment Amount 3292 63 3 292 65 3 592 63 2 592 63 3 392 63 3 592 63 Principal Amount 442 63 445 21 447 31 450 42 453 05 455 60 mount 3 150 00 3 147 42 3 144 82 3 142 21 3 139 58 3 136 94 Balance 339 597 37 532 112 16 536 664 35 536 215 95 337 160 88 537 305 19 442 63 237 24 1 335 65 1 786 07 2 239
61. milar recorded characteristics have sold or may sell for in that area To zoom into an area from the Lobby section use the map s zoom tools to get to the area you are looking for For information relating to zooming please see Section 1 1 of this manual Additionally you may use the State County and City drop downs within the gt 2941 VIKING RD Property Search section to zoom into the city the Estimated value 629 302 00 Add to my properties property is located in you may also use the zip code field Once you have reached a certain zoom level the parcel lines where available will be displayed for that area To view the information relating to a particular parcel simply click on the parcel itself Selected parcels will become highlighted in red and will have a pushpin on top of them By placing your mouse over the pin the address and estimated value will be displayed along with the ability to save the properties into your My Properties section To save the property dick on the Add to My Properties link within the text box A confirmation screen will appear allowing you to go to the My Properties section open up the property within the 3912 HERFORD LN LAS VEGAS NV 89110 My Properties section or to go back and continue with the screen you were on Click on the What would you like to do appropriate button based on your selection Open Property bo To My Properties Continue d No
62. n assessment or appraisal of that property This field does not take into consideration home improvements views etc and is simply meant as an estimate of what similar properties with similar recorded characteristics have sold or may sell for in that area 1504 E VIKING RD SU LAS VEGAS NY 69119 2 2 1054 55 390 1 053 565 search aach Search 1506 E WIING AD aU LAS VEGAS NY 89119 2 l 392 23 970 search 06 E VIKING RD AU LAS VEGAS NV 29119 114 390 361 893 the screen and listed within the tab along with their general property information The number next to each property corresponds to the numbered green arrows on the map To find a particular property on the map simply highlight that property by clicking anywhere in that row The selected property will appear in red on the map Additionally the property s basic information will appear in the box to the right of the map Once you have found the property you are searching for click on the Search button next to that property This will then perform a search of that property similar to Searching a Specific Address see Section 2 0 3 0 Searching Foreclosures and Pre Foreclosures Within the Lobby section the software provides daily updates to Pre Foreclosure and Foreclosures Bank REO properties in hundreds of counties across the United States as they become available Users have the choice of searching one or both of these categories To perform a pre foreclosure or forecl
63. ncome field Summary displays the sum of all the Average Monthly Rents for all of the Total Gross Monthly Income 1 832 60 unit types plus your miscellaneous income If your property will Property Management Fee 0 00 Leasing Commissions 300 be managed by a property management company their fees will Leasing Commissions First Year 659 74 usually be a percentage of the monthly rent You can enter that Total Net Monthly Income _1 777 62 percentage in the Property Management Fee field If you plan on managing the property yourself keep this field at zero Additionally if you are working with real estate agents or brokers to lease your property you will usually pay them a commission You may enter in the leasing commissions paid in the first year as a percentage or as a fixed dollar amount Entering in one field will automatically populate the other The Total Net Monthly Income field will calculate your net rental income after the property management fee and leasing commissions have been deducted You can view and print a summary of this rental information by clicking on of the View Rental Report button located at the bottom right of the page 34 Once your Rental Analysis is complete click on the Next button at the bottom of the page to go to Step 4 Monthly Operating Expenses 6 4 4 Step 4 Monthly Operating Expenses All properties require some upkeep and monthly out of pocket expens
64. next Add to my properties to Parcel Boundaries will simply make the parcel lines disappear however you may still click on individual properties to obtain more information NOTE Parcel Boundaries and Parcel Data are not available in all areas Selection Tools In the Trending and Full Comps sections additional selection tools are available in order to select certain properties or areas on the map for comparative purposes These tools will appear to the far left of the map in the two sections mentioned above There are three Tools selection tools Rectangle Circle and Freehand or Connect the Dots To use one of the tools simply click on the appropriate shape within the Tools area Selected shapes will be colored bad and highlighted Rectangle This tool allows you to draw a box or rectangle around a property or group of properties To draw the box or rectangle select the tool and click on the part of the map you would like the upper left hand corner of the box to be Move your mouse over the group of properties you would like to include in the box your mouse position becomes the lower right hand corner of the box Once you have the box around your desired properties use the right click button on your mouse to finalize the shape and disengage the drawing tool Circle This tool allows you to draw a circle around a property or group of properties To use this tool select it from the Tools section and click on t
65. nt OTHER SERVICE PROVIDERS NON LIABILITY OF EQUIMINE INC From time to time EQUIMINE may include on its websites software or service third party Service Providers EQUIMINE posts these services as a service to its CLIENTs EQUIMINE is not responsible for and makes no warranty or representation as to the quality or performance of the services offered by or through these other Service Providers It is the CLIENT s responsibility and EQUIMINE encourages this for all CLIENTs to independently investigate the qualifications of each Service Provider and to carefully review each Service Provider offer prior to entering into any engagement or transaction EQUIMINE is not responsible or liable for any acts or omissions created or performed by these other Service Providers EQUIMINE s websites software or service may contain links to websites maintained by third party Service Providers Such links are provided for CLIENT convenience and reference only EQUIMINE does not operate or control in any respect any information software products or services available on such websites EQUIMINE s inclusion of a link to such websites does not imply any endorsement warranty guarantee or recommendation of these websites contents products or services of the sponsoring organization 57 Third Party Content and Screening EQUIMINE is a data aggregator of content supplied by third parties and CLIENTs and as such does not have editorial control over the sta
66. nterval do not enter in the symbol Fixed Interest Loan or the Fixed Interest portion of your loan Once you have entered in the appropriate information your total monthly payment total interest paid and the total paid during the term of your loan will be displayed If you selected a Combination mortgage then the Monthly 1 0 Payment field represents the monthly payment for the interest only term of your mortgage The Monthly Fixed APR Payment field represents the monthly payment for the Fixed APR portion of your mortgage The Total Interest field allows you to see the total interest you will have paid over the term of your mortgage while the Total Paid field gives you grand total of what the property s mortgage will cost over the term of the loan 8 7 Home Affordability Calculator Home Affordability Calculator The Home Affordability Calculator helps you answer na the question How much home can afford To Monthly Income 3 500 00 Monthly Expenses 1 200 00 Down Payment 0 00 Mortgage Rate 6 50 begin enter in your gross monthly income before taxes in the Monthly Income field In the Monthly Expenses field enter your total monthly expenses including car payments credit card bills etc Do not Conservative Aggressive include your monthly rent in this area or your Home Value 155 046 60 182 733 50 current mortgage payment unless you plan on Loan Amount 155 046 60 182
67. o move from one step to the next 6 4 1 Step 1 Mortgages and Closing Costs The first step of the Analysis Wizard allows you to calculate mortgage and closing costs associated with the property you are analyzing The first step of the Wizard consists of four distinct areas Purchase Value Foreclosure Expenses Mortgages and Closing Costs Each step consists of multiple entries and calculations Purchase Value The purchase value field allows you to input what you will Purchase Value or think you can purchase the property for Here you can enter in the RA Purchase Price 475 000 00 Purchase Price for the property based on current market conditions or what A A Est Market Value 629 302 00 you plan on offering for the property For convenience the Estimated Market Value Assessed Value and the Last Sale Price of the property is Assessed Value _ 136 248 00 Last Sale Price 365 000 00 Mortgages 3 ge Second Mortgage provided as guideline in helping you make your offer Mortage Type Fixed Interest v Fixed Interest First Payment Date 01 01 08 01 01 00 Amount 47500000 ooo Mortgages The mortgages area allows you to calculate your Down Payment aane monthly mortgage payments based on your mortgage type loan Interest Only Term _ UYrOMo 0 Yr O Mo Interest Only APR 0 000 0000 term and interest rate To begin select the type of mortgage Monthly LO Paym
68. ointments button located in the lower right hand corner of the main Contact Manager screen A pop up window T will appear with all scheduled appointments for all of your contacts You can specify the date range to view and print by using the Date Range Filter drop downs at the top of the screen Once you have selected the date range click on the Print Report button at the top A report with your scheduled meetings and appointments will be printed indicating the subject location date time contact name telephone number and the property address of the contact 44 You may also delete an appointment from this screen by selecting the appointment and clicking on the Delete Appointment button at the top Once you are finished simply close the pop up window and exit out of the Contact Manager screen 8 1 6 Financial Statement The Financial Statement tab allows you to record monitor and update the holdings assets and debts of your contacts and customers Whether it s for credit purposes financial management or mortgage brokerage the Financial Statement section allows you to store and monitor information important to your business Incomedttjccoumnts Acces Personal Property amp Liabiites Prirt Financial Statement Banking Money Market Acct Stocks and Bond ABC Morgage e Income ages amp Salary To access the Financial Statement area for a contact open the contact s record and click on
69. operty characteristics section provides information regarding the residence or physical structure built on the site This includes the number of bedrooms bathrooms square footage year built and more Site Information The site information area gives a description on the site or section of land on which Pre Foreclosure Details 4401 HALBERT AVE LAS VEGAS NV 89110 Most Recent Pre Foreclosure Transaction Document Type Document Number Unpaid Balance Auction Date Original Loan Recording Date Original Loan Amount Original Document Number Trustee Name Trustee Address Trustee Phone Trustee Sale Number Borrower 1 Name Lender Company Title Company Code Title Company Owner Information Mailing Address Mailing Carrier Code Location Information APN Unformatted APN Carrier Code Map Book Map Page Block Subdivision Name Legal Description 1 NOTICE OF TRUSTEE S SALE 80317000110 197 747 03 4 7 2008 1 00 00 PM 3 01 2007 180 000 00 70301006618 FORECLOSURELINK INC CA 956286695 9169623453 FC17711 JESSIE BACA CT GRP CONSUMER FIN INC 7353 SPL INC 4401 HALBERT AVE NV 891105465 C089 140 29 411 001 14029411001 C089 1 81 D BOULDER HEIGHTS ADD 01 BOULDER HGTS TRACT 1 PLAT BOOK 1 PAGE 81 PT LOT 1 8LC Add Property the foreclosed property resides This information includes lot size zoning information and permitted land use Tax Information This
70. osure search simply check the box next to the appropriate Foredlosure Search field in the Foreclosure Search area of the Lobby eS Bl Foren ba re rorecroSuUTesS Oreciosures Select the state you want to search from the dropdown or simply type it in After selecting the state Foreclosure Search Y Pre Foreclosures Foreclosures State CALIFORNIA County LOS ANGELES 4 City Pre Foredosures select the county within that state followed by the city and or the zip code Alternatively you may just enter the zip code without be entering in the county or city After each selection is made the map ZIP ALPINE on the right will zoom into the appropriate state county etc as they AMADOR 536 Refine BUTTE 2216 are selected In the state county and city drop downs the number Price Defay CALAVERAS 778 Listing Daj COLUSA of current pre foreclosures or foreclosures or both depending on NTRA COSTA 22053 ear Bul ne a6 A i 1 a apenas ie your selection in that area is displayed next to the state county and Bedroon Nn a city s name Due to the number of results possible searches can only Bathroom HUMBOLDT 592 x IMPERIAL 2398 be performed at the city or zip code level INYO 59 Reg KERN 15958 KINGS 1260 pa pj Once you have filled in the appropriate fields click on the Search LASSEN 163 LOS ANGELES 86418 MADERA 2869 MARIN button at the bottom of the Foreclos
71. osures and foreclosures from within the Lobby and based on your specific criteria this tab will list the foreclosures immediately surrounding the property The number of immediately surrounding foreclosures is displayed in parenthesis within the tab Similar to the Neighbors tab the properties are mapped on the screen and listed within the tab along with their general property information The number next to each property corresponds to the numbered green arrows on the map To find a particular property on the map simply highlight that property by clicking anywhere in that row The selected property will appear in red on the map By clicking the Search button to the left of each pre foreclosure a new search will be performed with that property as the subject property appearing in Blue Subsequently its neighbors surrounding pre foreclosures and surrounding foreclosures will now be displayed For more information on foreclosures foreclosures documents and the Quick View page please see the Searching Foreclosures section of this manual 6 8 Reports The Reports tab is where all the analysis reports for the property are stored These reports are based on the analysis you performed on the property through the Analysis Wizard as well as the corresponding COMPS and Property Details reports Every time you run a new analysis for the property a new set of Statistics Comparable Properties Analysis Neighbors Nearby Pre Foreclosures Ne
72. ou to specify the exact criteria for the comparable sales you wish to view Below is a breakdown of the search fields Distance The Distance field allows you to specify the maximum distance radius the comparable sales can be from the property you are viewing The default distance is set to 0 5 miles with the maximum distance being 0 9 miles Anything further would generally lie in a different neighborhood therefore is generally not considered a comparable sale Sale Date Range Here you can select a specific date range in which the last sale of the comparable properties must fall within The further back the sales date the less likely it is that the market value is still the same today The default value of these fields is one year Comparables Search back from today s date To specify the start date select the Distance Miles starting date by clicking on the first field A calendar will appear where you can select the start date from To go to a previous 1v1 2008 s i7 2008 M month click on the left arrow at the top of the calendar Similarly E lt May 2008 O to go to the next month click on the right arrow at the top of the a Se ea TE calendar Once you are in the right month click on the date in Daee eam which you want the search to go back to Next select the ending m E eee date for your date range in the same way you selected the start Bathrooms 7 5 i a A o date i iii Clear Da
73. p Beds Baths SqFt Estimated Value Amount Of Default Listing Date Quick View 1 NOTICE OF TRUSTEE S SALE 2930 800 SALT LAKE CITY UT 84106 2 1 1064 271 703 139 600 11 09 07 Quick View 2 NOTICE OF TRUSTEE S SALE 954 W PROSPERITY AVE SALT LAKE CITY UT 84116 4 1 1070 182 782 119 217 11 09 07 Quick View 3 NOTICE OF TRUSTEE S SALE 5948 S FONTAINE BLEU DR SALT LAKE CITY UT 84121 5 3 2718 481 926 176 800 11 09 07 Quick View 4 NOTICE OF TRUSTEE S SALE 1843 S PASCHAL CIR SALT LAKE CITY UT 84108 6 6 2720 463 798 340 000 11 09 07 Quick View 5 NOTICE OF TRUSTEE S SALE 5732 CREST FLOWER WAY SALT LAKE CITY UT 84118 3 2 1244 326 330 228 123 11 08 07 Additionally the properties on each screen are mapped at the top of the Search Results screen Selecting a property from the listings at the bottom will highlight that property in red on the map and provide a quick snapshot of that property to the right of the map Next to each property listing is a Quick View button Click on this button to get more detailed information regarding the actual pre foreclosure or foreclosure document that was filed Clicking on the Quick View button will gray out the software and display the document in the foreground Additionally you may access the Quick View page by selecting the property by clicking anywhere on the row it is displayed and clicking on the Quick View button in the box to the right of the map Below is a basic br
74. p in presenting the property to partners and potential investors and also in contacting the homeowner whose property you are looking to buy For more information about each individual report please see Section 6 8 Reports 6 5 Neighbors The Neighbors tab will list the 25 closest properties to the property you have searched for For each neighbor the address bedrooms bathrooms square footage last sale date last sale amount estimated value and the distance from the subject property are listed By default the results are sorted according to the distance from the subject property You can resort these results by any field by simply clicking on the field name The number next to each property corresponds to the numbered green arrows on the map To find a particular property on the map simply highlight that property by clicking anywhere in that row The selected property will appear in red on the map Page 1 of 3 Address City State Zip Beds Baths Saft Sale Date Sale Amount Estimated Value Distance im Search 2 2921 E VIKING RD LAS VEGAS NV 89121 3 3 4060 9 26 03 360 000 595 574 0 B y clicking the Search button to the left of each neighboring property a new search will be performed with that property as the subject property appearing in Blue Subsequently its neighbors surrounding pre foreclosures and surrounding foreclosures will now be displayed 6 6 Nearby Pre Foreclosures The Nearby Pre Foreclosures tab wil
75. parable Report located at the bottom corner of the page The report will provide you with an overview of your property compared to the averages of the COMPS you chose to include in the analysis as well as more information on each COMP property included 6 3 6 Saving COMPS Results You may choose to save the COMPS search results for a property in order to quickly access the information and avoid repeating the search steps To save all of the COMPS search results simply click on the Save COMPS Results button located in the left hand menu To only save the COMPS results that you selected click on the Save Selected Comps button The COMPS report can be accessed in the Reports tab of that property only if the COMPS results have been saved 27 6 4 Analysis Wizard The Analysis Wizard gives you a step by step breakdown of the costs fees repairs income and overall return on investment for any property you are looking to invest in or purchase This 6 Step Wizard walks you through the real estate investment O 2 A gt process Partially fed Step 1 Step 2 Step 3 Step 4 Step 5 Step 6 by our daily updated real estate data and driven by your input and estimates the Analysis Wizard should be at the heart of any real estate investment decision To access the Analysis Wizard click on the Analysis tab within the Property Home page You may jump back and forth between steps or simply start with Step 1 and use the Next and Back buttons t
76. penses depreciation and interest View Report button View Report View Report associated with that report You can chose to save this analysis along with its relevant reports by clicking on the Save Data button at the bottom of the screen A Saved message will appear on the screen once the information has been successfully stored To re run the report at a later date simply select the Start New Analysis button at the bottom of the screen Only a saved analysis will be stored in the Reports tab Save Data Saved The Mortgage Analysis Improvements Rehab Analysis Rental Analysis and Expenses Analysis reports are based on the information from Steps 1 through 4 of the Wizard The Cash Flow Tax amp Deductions and Property Sale reports gives you a detailed breakdown of your property s expenses and income rates of return tax liabilities as well as the gross and net profit over your specified term The Complete Analysis Report is a comprehensive report from all the steps of the Analysis Wizard in addition to a custom cover page with your logo and the property address 37 Whether you are a real estate agent presenting the property to a potential buyer an investor looking to find funding or are simply keeping records of properties you are interested in the Complete Analysis report is a great informative presentation tool The Complete Overview area is the last step of the Analysis Wizard however it provides a crucial first ste
77. perty The Other Fees i mount Of Default 13 477 00 field can be used to add foreclosure related fees such as attorney and court 0unt Of Default fees Accrued Interest 1 400 00 Other Fees 8 000 00 You may view and print a summary of your estimated mortgage and closing costs by clicking on the View gt a Mortgage Report button located in the bottom right of the screen View Mortgage Report Once you have completed Step 1 click on the Next button at the bottom of the screen to continue to Step 2 Improvements and Rehab To save the information you have just entered and exit the wizard click on the Save Data button in the bottom left hand corner Additionally you may reset the information by clicking the Start New Analysis button 31 6 4 2 Step 2 Improvements and Rehab The second step of the Analysis Wizard entails estimating structural and cosmetic repairs and improvements to the real estate property you re looking at Ideally this information would be based on a physical inspection of the property For your convenience a Home Inspection Checklist along with general instructions on how to perform a preliminary home inspection are found in this step Use the checklist to mark any needed improvements to the property be it structural or cosmetic Use this checklist to help determine the repair costs needed in order to bring the property up to your standards Improvements NOTE Your inspection Kitchen
78. product of any kind 55 7 Extracting selecting or drawing out any data element for any use 8 Real estate appraisal 9 Credit evaluation and or supporting 10 Evaluating risk marketing sale of insurance products of any kind including but not limited to life health long term care disability casualty umbrella mortgage title or property 11 Debt collection and 12 Marketing or sale of legal goods and or services of any kind including but not limited to bankruptcy or real estate title lien history unless CLIENT has the appropriate subscription allowing such expanded use Proprietary Rights CLIENT represents warrants affirms and agrees that the data information services and EQUIMINE name are proprietary information and property of EQUIMINE its suppliers and or affiliates and are protected by copyright trademark trade name and other proprietary rights CLIENT s license only allows CLIENT to use the data information and services subject to the express limitations and restrictions provided for in these Terms of Use during the term of CLIENT s valid subscription Consequences of Non Compliance with Terms of Use At any time that EQUIMINE believes in its sole discretion that CLIENT has violated any term condition restriction permitted use or limitation provided in these Terms of Use EQUIMINE may immediately terminate CLIENT s license and CLIENT s sole remedy shall be to receive a pro rata refund of the monthly subsc
79. r estimated improvements and upgrades by clicking on the View Improvements Report icon located in the bottom right corner Once you have completed Step 2 click on the next button at the bottom of the screen to continue to Step 3 Renting 6 4 3 Step 3 Renting The third step of the Analysis Wizard allows you to calculate expected rental income from the property should you chose to rent it out To start first select whether or not the property will be an income property one which is rented or leased to another tenant At the top select YES if you Will you be renting your property Yes Y No will rent out your property or NO if you will not be Selecting NO will skip this step and move on to Step 4 To start all the fields in this step will be grayed out Once you select YES at the top the fields within this step will become editable To begin the Rental Analysis select the number of unit types that are available for rent A unit type encompasses the identical unit types available such as a studio regardless of the quantity of studios for 32 rent or lease To add a unit type click on the Add Unit Type button located at the bottom of the table A row will be created in the Rent table for the unit type Each row represents a unit type and has several fields to input To enter information Ada Unit Type into a row simply click on the appropriate field and type in the relevant information Name You can give each unit type a name
80. r the term of your Expected Rate Change 0 000 Limit Increase Compound Period The interval of time at which the interest rate is calculated Adjustable Rate Mortgage If your mortgage is an Adjustable Rate Mortgage you can specify the adjustable rates and the dates in which they adjust by clicking on the Define Rates button A pop up screen will appear In the Adjustable Rate Type dropdown select the type of Adjustable Rate Mortgage Standard or Hybrid Rate Change Interval The regular period of time at which your rate adjusts Expected Rate Change The amount your rate will increase at each interval do not enter in the symbol Limit Rate This will set a cap for your interest rate after which the rate will maintain fixed Limit Increase This will set a maximum allowable increase over your base rate 50 For a Hybrid ARM a fixed rate period followed by an adjustable rate mortgage select Hybrid from the Adjustable Rate Type drop down menu Hybrid ARM Type 1011 ARM y Fixed Rate Term Orr OMo Hybrid ARM Type Select from standard ARM types or select Custom to specify your own fixed rate and adjustable rate terms Rate Change Interval 0 Yr Mo Expected Rate Change 0 000 Fixed Rate Term The length of time the mortgage rate remains fixed Rate Change Interval The regular period of time at which your rate adjusts Expected Rate Change The amount your rate will increase at each i
81. re foot you are looking to charge and have the Rent Mo field automatically populated If you expect to raise the rent by a fixed percent every year then enter that amount into the Annual Increase field and it will be included in the amortization calculation The default amount for this field is based on the 2007 Consumer Price Index CPI which stands at approximately 4 Continue with the property s other rental unit types using the same steps as you did with the first one Each unit type must be entered into a separate row in the table along with the corresponding number of units each type has Miscellaneous Income This area allows you to enter in additional income from your rental property Enter in either the monthly or annual income you project for each of the fields Depending on your property type some fields may or may not apply Annual Income Increase This area allows you determine annual increases in your property s miscellaneous rental income This annual income increase can CEER as be based on inflation or your own estimated price increases E PROTE T E E You may choose to enter an annual percent increase or an CO ool annual fixed dollar increase Simply select the appropriate button from the Type field and enter in the amount in the field provided below Summary The Summary area at the bottom of the screen provides an overview of the total rent you expect to collect from this property The Total Gross Monthly I
82. reet name or selecting it from the map To access this feature go to the Property Search section within the Lobby Within the Property Search area enter the address information or APN Assessor s Parcel Number of the property you are searching for When entering an address start at the top and enter the complete address of the property including any suffixes Ave Blvd St etc ee er Address 204 5 16th S Next select the state that the property is in either by selecting it from E APN the drop down menu or by typing it in In a similar fashion as the state State NEVADA select the county city and zip code that the property is located in cani Alternatively you may simply enter in the address state and zip code City LAS VEGAS fields You will notice that the map to the right of the Property Search Zip section will begin zooming into the particular state county etc as you RSE A enter in the information All fields must be filled out in order for a detailed search to take place Once you have entered in all of the address information click on the Search button at the bottom of the Property Search section To clear all of the fields and re enter the information click on the Reset button 2 1 Search Results Once you click Search and the property is found this will take you to the Search Results screen The property that you searched for will appear in the blue bar in the middle of the screen along wi
83. ress or the type of contact To sort by one of these fields click on the name of that field once to sort in ascending order twice to sort in descending order Searching i z Ada Edit Delete View Appointment You may search through your contact list using the Search interface at the top of the Contact Manager You may search by name first or last contact type or by property address Once you ve inputted the appropriate information click on the Search button To reset the search fields click on the Clear Fields button Additionally you may display all contacts by clicking on the Show All button 41 8 1 1 Adding a Contact Any time you add a property to My Properties a contact is automatically created in your Contact Manager containing the name address and telephone number when available of that property s homeowner You may also Contact Gm create new contacts by clicking First Name INC O Over on the Add button located at Last Name NCN the b ottom of th e Contact Phone Number Contact Information Notes Appointments Financial Statement Manager screen The New Primary Phone Contact screen will appear where you can enter in your Sai contact s information Start by Home Lookup Phone Numi entering in the contact s name paa using the First Name and Last Name fields at the very top of the screen In the Contact Type drop down menu on the right select the type of contact yo
84. ription license fee paid by CLIENT for the remaining days of the then current month of prepaid fees Terms of Subscription The term of CLIENT s subscription is one month but automatically renews month to month unless terminated by CLIENT or EQUIMINE Termination EQUIMINE reserves the right to cancel subscription services and this license to any CLIENT at any time for any or no reason whatsoever without recourse to CLIENT beyond a pro rata refund of the monthly subscription license fee paid by CLIENT for the remaining days of the then current month of prepaid fees The CLIENT may cancel the CLIENT s subscriptions at any time All fees due to EQUIMINE up to the end of the then current monthly billing cycle at time of termination shall remain payable to EQUIMINE The CLIENT may terminate contract any one of three ways 1 By e mailing a cancellation request to support EQUIMINE com at least five 5 days prior to the desired cancellation date and providing CLIENTS account number 2 By faxing a cancellation request to 877 817 7377 at least five 5 days prior to the desired cancellation date 3 By mailing a cancellation request at least ten 10 days prior to the desired cancellation date to EQUIMINE ATTN Cancellations 25531 Commercentre Dr Ste 250 Lake Forest California 92630 56 Survival of Terms The License Restrictions and Proprietary Rights described herein survive any termination of this agreement and or CLIENT s subscrip
85. roperty Tax Rates Enter in your current income tax rates into the appropriate fields The fields are Capital Gains Tax Rate State Income Tax Rate and Federal Income Tax Rate These fields will be used to calculate your total tax liability in the various analysis reports You may also preset your Tax Rates tax rates in the Preferences feature in the Tools menu This information will be used as a default in all of your property Capital Gains Tax Rate 12 00 analysis unless you specify otherwise State Income Tax Rate 10 00 Federal Income Tax Rate 15 00 Sales Cost Rate This section allows you to specify your costs associated with the sale of your property The Sales Cost Rate can either be a percentage of the purchase price or a fixed dollar amount Select the button next to the field you desire and enter in the percentage or fixed dollar value in the field below it Depreciation Depending on your area you may depreciate your property s value and improvements over time providing you with significant tax savings In this section you can determine the depreciable amount of Depreciation your property the number of years over which it Type Percentage Of Purchase Price 8000 depreciates fully as well as the depreciation method you Fixed Dollar Amount would like to use In the Type field select your Depreciable Amount 300 000 00 depreciation value as either a percentage of your Depreciable Years 27 50
86. ses the databases B On Time Payment The CLIENT is required to pay all charges on time and agrees to submit an accompanying payment authorization in connection with these charges when requested by EQUIMINE Credit card transactions require an acceptable and currently working continuously valid credit card number account EQUIMINE may terminate or disable the CLIENT s participation in EQUIMINE services if the CLIENT fails to pay fully and in a timely manner any and all amounts due to EQUIMINE If the CLIENT s credit card expires or is otherwise declined for payment access to EQUIMINE services and websites can be modified or suspended without notice to the CLIENT EquiMine may if necessary extend the expiration of your credit card in order to assure continued service If any CLIENT payment is more than thirty 30 calendar days past due a monthly late fee in the amount of 1 5 of the past due amount or the maximum allowable by law whichever is less shall accrue per month and the entire amount of unpaid charges and or any other outstanding balance if any plus this assessment will become immediately due and payable The CLIENT shall pay all costs of collection including legal fees incurred by EQUIMINE The CLIENT is responsible for any premium charges incurred in connection with the use of information content goods products or services that are provided at an extra cost All fees are quoted and payable in United States Dollars The CLIENT is al
87. so responsible for paying all applicable taxes for information content goods products or services and any other costs incurred in connection with the use of or access to EQUIMINE and EQUIMINE s services 58 C Payment Methods The CLIENT s complete billing address and telephone number must be provided to process payments EQUIMINE accepts major credit cards including Visa MasterCard Discover and American Express and may accept bank drafts including personal checks money orders cashier s checks and company checks sent by mail EQUIMINE may charge a twenty dollar 20 00 handling fee or the maximum allowable by law whichever is less for each check returned unpaid for insufficient funds or any other reason D Account Discrepancies A CLIENT may contact EQUIMINE Customer Service by e mail at support EQUIMINE com or telephone at 877 817 7377 concerning charges or other questions regarding the status of the CLIENT s Account However if the CLIENT s account questions are not satisfactorily resolved within fifteen 15 business days of CLIENT s calling or sending an e mail and in no event later than ninety 90 days after a questionable account billing or other discrepancy should have been discovered the CLIENT must write to the Customer Service Department EQUIMINE Inc 25531 Commercentre Dr Ste 250 Lake Forest CA 92630 delivered by United States mail or by fax to 877 817 7377 Otherwise any and all such CLIENT complaints are irre
88. t fuck Merigage AFPR fint Mergage Terra hint Mongage Type Second Mermans AUT Second Mortgage Tans Docuir Yii CLAE TERRACINA FH i TERRACIMA PHASE 8 FLAT BOCA 113 PAGI 47 LOT TAL PT 52 HTA SEC 04 TAF 3 AGH 61 191 611 009 ilgili 151 004 Last Market Sabe Information 1565 654 BINI BNC HTG INC WO TIID 455 110 m ADS DAU INT ATL LOAN FILE TIG 15 005 Recent Foreclosure Transactions Doumer Type Deceme Hanker Tnaiber Mame Inmate Phone borrar 1 Mame Barrie 7 Mara Origeal Loon Recondirg Onagra Document E Original Loan Aersmt urtian Date Lend Value Improvement Hut Prcepetty T s Tax Aran ROTG GF TRAS US ALL EORTLOOUOLS HATICHAL DEFAULT SecA This DUR LASSIN DANNY LATA SHELA VICENTE ESOS SOSA HIL ALEDO 186 653 TIGN 51 001 97 55 breakdown of the type of information found in each area of the Full Property Details page 22 Property Characteristics Section Owner Information The owner information section includes the name mailing address and telephone number of the property s current owner Location Information This section gives you the property s legal location as it pertains to the county assessor and county maps This section includes the properties legal sub division and lot as well as its unique Assessor s Parcel Number APN Property Characteristics The property characteristics section provides information regarding the residence or p
89. t states require lenders to publish their closing costs so you can easily obtain this information from the lender you have selected The various fees in the Closing Costs area are pre populated based on national averages from across the United States These figures serve as a reference only and may vary depending on your geographic location credit mortgage type and other factors Not all the fields may apply as your lender may not charge them or they could be included as part of your application fee To reset all the fields to zero simply click on the Clear All button at the bottom of the section To repopulate the information click on the Set Defaults button Once you have gone through each field and entered in the appropriate amount the total closing costs your lender will charge you will be displayed at the bottom This amount will be due at the time the mortgage papers are singed Closing and therefore have a major effect in terms of the property s short and long term investment potential Foreclosure Expenses The additional expenses area located in the bottom right of the screen allows you to factor in additional upfront costs for the property such as the amount of default and penalties The Amount of Default field is pre populated for pre foreclosure properties saved through the software You may also manually adjust these amounts if you feel the amount will be Foreclosure Expenses higher or lower based on your research of the pro
90. te Square Feet This feature allows you to select the range in which the square footage of comparable properties returned must fall within To manually specify a square footage range select the minimum square footage the property must be by adjusting the first field To adjust the square footage simply 25 type the number directly into the box provided To select the maximum square footage of the property use the second field and repeat the steps above By default this field is not populated Bedrooms Here you can specify the minimum and maximum number of bedrooms that the comparable properties can have To set a minimum number of bedrooms type that number into the first field Type in the maximum number of bedrooms in the second field By default this field is not populated Bathrooms Here you can specify the minimum and maximum number of bathrooms that the comparable properties can have To set a minimum number of bathrooms type that number into the first field Type in the maximum number of bathrooms in the second field By default this field is not populated When you have entered in all of the appropriate information and filters click on the Search button at the bottom of that section To clear the information entered click on the Reset button 6 3 3 Full Comps Results The COMPS Results screen displays the property that the comparable properties matched in your search criteria The screen is divided into two areas wit
91. te Parcel Lines and Parcel Information are not available in all areas 2 3 Searching by Street Name An additional method to search for a specific property is to search by street name Within the Property Search area enter the street name including any suffixes Ave Blvd St etc Next select the state that the property is in either by selecting it from the drop down menu or by typing it in In a similar fashion as the state select the county city and zip code that the property is located in Alternatively you may simply Address VIKING RD enter in the address state and zip code fields You will notice that the APN map to the right of the Property Search section will begin zooming into State NEVADA the particular state county etc as you enter in the information All fields County CLARK must be filled out in order for a detailed search to take place Once you 4 SSS have entered in all of the address information click on the Search button Reset Search at the bottom of the Property Search section 2 3 1 Search Results Once you click Search and the street is found this will take you to the Search Results screen The Search Results screen will display all of the properties on that particular street within the database The number of matching properties appears in parenthesis in the tab at the bottom The properties are mapped on The Estimated Value field is for informational purposes only and is not meant as a
92. tements or other content provided expressed or implied by third parties EQUIMINE reserves the right but is not obligated to screen and review any content provided to EQUIMINE and remove or edit any content if it does not comply with laws rules or regulations or for any other reason EQUIMINE deems relevant Modification Of EQUIMINE Services EQUIMINE reserves the right to modify or discontinue any service portion or attribute thereof and the offering of any information with or without notice to any CLIENT EQUIMINE is not liable to any CLIENT in the event that EQUIMINE exercises its right to modify or discontinue any service PAYMENT OF CHARGES A EQUIMINE currently charges a monthly subscription fee The monthly subscription fee is calculated from the day of the month that the CLIENT s paid Subscription commences The CLIENT authorizes EQUIMINE to and the CLIENT agrees that EQUIMINE may charge to the CLIENT s credit card debit card or bank account in advance the CLIENT s regular monthly Subscription fee for each month of the CLIENT s regular monthly Subscription on a recurring basis The CLIENT authorizes EQUIMINE to and the CLIENT agrees that EQUIMINE may modify and or change the monthly Subscription fee charged to the CLIENT upon thirty 30 days notice to the CLIENT sent by e mail to CLIENTS email of record on file with EQUIMINE The monthly Subscription fee is non refundable and accrues until canceled whether or not the CLIENT acces
93. teristics section provides information regarding the residence or physical structure built on the site This includes the number of bedrooms bathrooms square footage year built and much more Site Information The site information area gives a description on the site or section of land on which the property resides This information includes lot size zoning information and permitted land use 6 1 2 Full Property Details The Full Property Details page provides more comprehensive information regarding that property with up to 125 property related fields To access the Full Property Details click on the Full Details button within the Quick Property Details area To return to the property s home page click on the Back to Property Home button in the lower right hand corner of the screen A AA The Full Property Details page is broken down into several sections For foreclosure and pre foreclosure properties these are Property Characteristics Foreclosure Info Sales Info and Tax Info Properties that are not in foreclosure or pre foreclosure will have the same sections except for the Foreclosure Info area Below is a Ghamer Information Diner Mame Mailing sides Margy Carrer Cade VIRDATL SILLA WIELPTL RANTIY LAS VEGAS AV A0183 Cit Location Information County Wedaran Legal Description 1 APH Alten APH Map Helerence 1 Map Book sale Price Sale Dabe Lidar Sala Hera Firat Mergage Airi
94. th some of its general property information This information includes Estimated Value Last Sale Price Last Sale Date Bedrooms Bathrooms and Square 204 S 16TH ST Est Value 203 910 Bedrooms 4 County CLARK Sale Price 4127500 Bathrooms 2 Footage The property is also displayed in LAS VEGAS NV S9101 Sale Date 6 11 2004 Saft 1537 the map on the screen The blue arrow indicates the property that you have searched for To get all of the property s information up to 125 property related fields as well as to be able to run COMPS and analyze the property you must first add it to your My Properties section To add the property you have just searched for click on the Add button to the right of the property s information Below the property s information are three tabs Neighbors Surrounding Pre Foreclosures and Surrounding Foreclosures Neighbors 25 na rrounding Pre Forectosu res 509 Suncunding Foreclosures 0 z Addis Cally Sabe cp Bedi Balra sahi Sae abe Sale Armani Alim bed Value Dildanor ad 1 DS 5 161H 51 LAS WEAS hi be 4 4 13 LES 443000 5316115 Oo rau 200 5 16TH ST LAS VEGAS hi 25104 3 1 1039 1207 04 150 000 900 151 agi E 3 013 16TH 31 LAS VEAS hy 22101 3 i 104 112181 55 000 121 700 QU a 4 2105 16TH 31 LAs VEDAS hy 238101 E 3 1358 NERO 582002 5181 004 TAL Add 41115 16TH 51 LAS VEAS hry 23101 1 1116 Aes 157 000 108 bh api Fad 5 2155 16TH ST LAS VEGAS hiv 23101 J 1 1030 BOSH 129 99
95. the Financial Statement tab at the end of the screen This area consists of three sections Income Accounts Assets and Personal Property Liabilities Income Accounts This area allows you to track the income and banking assets of your contact or prospective client e Income Wages Salary To add a job salary for the contact click on this tab and select the New button from the bottom of the screen To expand an entry click on the button at the right of the entry Enter in the appropriate employment information and work related compensation You may add as many sources of income as necessary e Banking Money Market Accounts To add a bank or money market account select this tab and click on the New button at the bottom of the screen Enter in the name of the banking institution the relevant account numbers and balance e Stocks and Bonds If your contact s assets include stocks or bonds select this tab and click on the New button Enter in the securities owned the amount of each security and any dividends the contact receives from each security Assets 45 This area allows you to track non employment and physical assets for your contact e Accounts Receivable Select this tab to record all accounts receivable or payable for your contact as well as the remaining term e Life Insurance Policies Select and add the contact s life insurance polic
96. this manual 6 1 Property Details The property details and characteristics for each property can be found in the upper left hand corner of the property s home page There are two types of Property Details Quick Property Details and Full Details Vara Poocerts m occ a tert fact hs Procerta Note The information found in the Property Details area is based on information from that particular county s recordings as provided by various aggregators The amount and accuracy of property information may vary from one area to another The software providers can not add or alter the information found within these sections and provide the information As Is Always perform your own due diligence before deciding to purchase or invest in a property 21 6 1 1 Quick Property Details The Quick Property Details provides you with a snapshot of that property s characteristics This information includes the Owner Information Location Information Property Characteristics as well as the Site Information Owner Information The owner information section includes the name mailing address and telephone number of the property s current owner Location Information This section gives you the property s legal location as it pertains to the county assessor and county maps This section includes the properties legal sub division and lot as well as its unique Assessor s Parcel Number APN Property Characteristics The property charac
97. tion CLIENT Services EQUIMINE allows CLIENTs to submit requests for real estate record information obtained from independent third party real estate and other related service providers CLIENTs agree to supply EQUIMINE with information about themselves and the property they want to inquire about EQUIMINE will use this information to provide certain details to CLIENT concerning and in response to CLIENT s request for information CLIENT affirms that all of the information CLIENT provides to EQUIMINE whether online or otherwise is accurate and complete CLIENT also agrees to update EQUIMINE with current and accurate information if at any time the information CLIENT provided to EQUIMINE changes EQUIMINE reserves its right to terminate or suspend access to EQUIMINE services to any CLIENT whose information EQUIMINE believes at EQUIMINE s sole discretion to be inaccurate or misleading EQUIMINE may from time to time offer eligible CLIENTs promotional opportunities Not all CLIENTs may be eligible to receive all promotional opportunities CLIENT search volume is monitored to avoid abuse data duplication or data mining CLIENTS who reach or exceed monthly limit of 100 one hundred saved properties may be terminated or contacted on a case by case basis to upgrade to a larger subscription package Any such actions are a violation of this agreement and may at EQUIMINE S sole discretion result in immediate cancellation of CLIENT S accou
98. tive lends and much more Prior Sale Information Similar to the Last Market Sale Information section before it the prior sale information section lists the sale information for the previous owner of the property the one before the current owner This can be very useful in determining the property s appreciation rate By seeing how much the property s value went up from the prior sale to the last sale this can help you to determine how much you think it will rise in value if you choose to invest in it Tax Info Section 23 Tax Information This section details all of the property tax related information for the property This includes the annual property tax amount and the assessed value of both the residence physical structure and the land it resides on 6 2 Statistics The Statistics tab of the Property Home page contains estimated value and growth information for that property and its surrounding areas Statistics Comparable Properties Aralyss Nemnbor Hearty Pre Foreciosures Hearty hareciosunes Reparts Estimate Value 5 The graph on the left charts the ee E nu Homewnowave estimated value of the property a Beas see By is vecas over the last five years For 5200000 B cur E renos comparison purposes the surrounding zip code city county and state are also plotted on the graph The color key on the right indicate the area that each color represents To view the average estimated value for
99. ts screen you can use the selection tools to the left of the map in order to select the neighborhoods that you would like to limit your COMPS results to You may select more than a En ma MAS AA ICE one area or neighborhood to ls eres include in your COMPS ye a 4 TEN o results For more information X sora op SS ae ine EIN F n mi gt s Ye nal L on using the selection tools EEA pone ew A X Suet ee a please refer to Section 1 4 of 3 z paai ade 5 LX as fe 2a isl re GO VENNE gt rE tl 7 52 NN ROR Y H 2 Ga E 2 in A O L L A 9 7 oo y Sig 4 OF a j PF els E s Y 5 E H a 2 vs GS Seta A A E t E i gt s i e pa ee A Yi Im oe Me bs t Pi ITZ E a JE r results the list at the bottom ae T Virtua ERE FRE will be resorted to only all this manual Once you have selected the areas you would like to include in your COMPS include properties with those highlighted neighborhoods The Map Based Comps feature is a useful tool in eliminating properties and neighborhoods that may have different characteristics or home values than the property you are running the COMPS on 6 3 5 COMPS Report The checkbox next to each comparable property allows you to specify whether or not to include this property in your analysis To exclude a property simply un check the box at the far left of the corresponding property To view a report of your property as well as its COMPS click on View Com
100. tton to exit 8 1 5 Appointments The Appointments tab allows you to manage and schedule appointments with your contacts To schedule an appointment with a contact open that contact s information and click on the Appointments tab In the appropriate fields Subjects Follow U Date enter in the subject or purpose pdas Today al 12 11 07 of the meeting as well as the location of the meeting From ee 2 the drop down on the right select the date of the ap pol ntment from the calendar Delete Appointment Schedule Appointmen Hour 10 Minute gt AM Finally enter the time of the Appointment appointment in the appropriate Date Time Subject Location fields Once you have verified gt 12 11 20071000AM FolowUp that all of the information is complete and accurate click on the Schedule Appointment button The scheduled appointment will appear along with all other past and future appointments for that contact in the Appointments table You may sort the records in the Appointment table by date time location or subject by clicking on the appropriate title at the top of the table Once you are finished adding your appointments for that contact click on the Save amp Close button at the bottom of the screen View and Print Appointments The Contact Manager allows you to view and print all your appointments for a specified date or date range To view and print appointments simply click on the View App
101. tures in the top right hand corner of the page To browse through the articles in a clockwise manner click on the right arrow To scroll in a counter clockwise manner click on the left arrow The double arrows will take you to the last article in either direction Click on the article s title on the top in order to K 300 view that article within the screen AA The headline news can also be found in the lower right hand corner of the Lobby page under News Articles To view one of the articles in the Lobby click on that article and it will pop up Once you are finished click on the Close button at the bottom of the pop up window 8 0 Tools The Tools section of the software provides convenient tools calculators and other features to help manage and analyze your real estate endeavors 8 1 Contact Manager The Contact Manager feature allows you to store your pre foreclosure and real estate related contacts in one convenient location First Name Contact Type EADP The Contact Manager appears in the A A o Last Name Prope lt All P ries gt v top left hand corner of the Tools perty sAN Praperiies gt Y section of the software Clear Field Show All Search Name Property Type you can add edit and delete your GREGORY TAN 298 MADDELENA AVE LAS VEGAS NV 891825608 Owner contacts in the real estate industry JACK SMITH 2941 E VIKING RD LAS VEGAS NV 891214156 Owner You may sort your contacts by name property add
102. u are creating There are eight contact types to choose from Owner Tenant Attorney Note Holder Trustee Lien Holder Personal and Other The New Contact screen contains six sections tabs Phone Numbers Contact Information Notes Appointments Tenant Info if contact type is Tenant and Financial Statement Phone Numbers In the Phone Numbers area enter in the different telephone and fax numbers of your contact The Lookup Phone Number button on the right will direct you to the telephone information directory at www 411 com Once you are finished click on the Contact Information tab at the top Contact Information Here you can enter in the physical address and general information regarding your contact Enter in the appropriate information in the various sections These sections include Current Address Information Previous Address Information Marital Status Social Info and Email Address Notes The Notes tab allows you to enter any notes or additional information relating to your contact including any communications you may have with that individual Once you are finished you can add the new contact to your Contact Manager by selecting the Save amp Close button at the bottom of the screen If you do not wish to add this new contact or save the information you entered click on the Cancel button 42 8 1 2 Edit and Delete Contacts To edit a contact s information double click on the contact from the Contact Mana
103. ull month payments per year as opposed to the 12 full month payments you make with your standard plan Double Principal All monthly payments include a portion that goes towards interest and a portion that goes towards the principal balance In the double principal repayment plan you would make an additional monthly payment equal to the principal portion of your standard plan In the table you can view your savings with the various repayment plans The table includes Effective Term The number of months needed to pay off the principal balance Total Interest The total interest paid over the term of the mortgage 52 Interest Saved The amount of interest you will save with the repayment plan compared to your Standard repayment plan Plan Extra Amount Period Bi Weekly Effective Term Total Interest Interest Saved Interest Saved Standard 0 00 Never 360 334 817 91 0 00 0 000 Bi Weekly 0 00 Never Y 284 252 109 08 82 708 83 24 702 Double Principal 0 00 Never 181 168 244 68 166 573 23 49 750 Interest Saved The interest saved represented as a percentage of the total interest paid using your Standard repayment plan Adding a Custom Plan In order to add a custom repayment plan simply click on the Add Custom Plan button at the bottom of the screen The new plan will appear at the bottom of the table Plan Extra Amount Period Bi Weekly Effective Term Total Interest Interest Saved Interest Saved Standard
104. ure Search screen To clear all of the fields you have entered click on the Reset button within that section 3 0 1 Refine Search Options To narrow down the list of results within a specific area you may use the Refine Search Options fields This area displays a list of fields to refine your search criteria and narrow your results to the specific parameters you are looking for You may narrow your results using as many fields as you like however keep in mind that the broader your search criteria the more the results that are displayed Note Please enter only numbers into the fields leaving out any symbols such as the dollar sign S 12 The fields are Price Default For pre foreclosures this is the amount of payments that are past due by the homeowner Depending on the county this may also be the unpaid balance of the mortgage in default or the original loan amount for that mortgage For foreclosure listings this field represents the value at which the bank lender repossessed the property A Refined SEE pattie oe ane eames IO Prce Detault lt Any gt lt Any gt pl Listing Date The date that the pre foreclosure foreclosure ms ae Eea rr listing occurred or was recorded By clicking on this field a calendar will be displayed Use the calendar to specify a date Sun Mon Tue Wed Thu Fri Sat range for the Listing Date Bedrooms 25 26 27 28 29 30 1 Bathrooms 2 3 4 5 6 7 8 Year Built T
105. vocably waived DISCLAIMERS AND LIMITATIONS EQUIMINE attempts to ensure that the information contained in its service is accurate and reliable however errors sometimes occur EQUIMINE does not guarantee the accuracy of the information contained in this service and instructs you to independently verify the accuracy of the information provided In addition EQUIMINE may make changes and improvements to the information provided herein at any time THE WEBSITES AND THE INFORMATION SOFTWARE PRODUCTS AND SERVICES ASSOCIATED WITH THEM ARE PROVIDED AS IS EQUIMINE INC ITS SUPPLIERS PROFESSIONAL SERVICE PROVIDERS THIRD PARTY CONTENT PROVIDERS AND OTHER SERVICE PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND WHETHER EXPRESSED OR IMPLIED AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION SOFTWARE PRODUCT GOOD AND OR SERVICE PROVIDED THEREIN INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY FITNESS FOR A PARTICULAR PURPOSE TITLE AND NONINFRINGEMENT BY THE CLIENT S USE OF EQUIMINE INC S EQUIMINE SERVICE THE CLIENT AGREES AND ACKNOWLEDGES THAT THE CLIENT S USE OF ALL EQUIMINE INFORMATION SOFTWARE PRODUCTS GOODS AND OR SERVICES PROVIDED IN BY OR THROUGH EQUIMINE INC AND OR ITS WEBSITES IS AT THE CLIENT S OWN RISK EQUIMINE INC AND OR ITS SUPPLIERS AND PROVIDERS ARE NOT LIABLE FOR ANY DIRECT INDIRECT PUNITIVE INCIDENTAL SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY W
106. you ve entered in the code Once your Activation Code is validated via the Internet the software will automatically launch 1 0 Interactive Map The software s Interactive Map can be found on the Lobby screen as well as throughout the various sections of the software This section will show you how to navigate zoom pan and change the various map views in the maps found throughout the software 1 1 Zooming View Type Aerial Hvbrid Street Bird s Eye E Estimated Value Heat Map Y Parcel Boundaries Zooming in and out of an image on the map can be done in several ways 1 Click on the text at the bottom of the map labeled Zoom Out and Zoom In ld Zoom In 2 Use the Scroll Bar at the bottom of the map between the Zoom Out and Zoom In text The scroll bar will indicate the current zoom level you are on To zoom out simply drag the bar to left with your mouse To zoom in drag the bar to the right 3 Double click on the part of the map you wish to zoom in on Each double click will bring you down one zoom level 4 Use the Scroll Wheel on your mouse Click on the part of the map you want to zoom in or out of then move your mouse s scroll wheel forward to zoom in back to zoom out 5 While holding down the A t key on your keyboard select an area you want to zoom in on by clicking on the map this will anchor the top left lid i P a d Ly i rn corner ofthe box then dragging your mouse to t
107. your monthly payment would be for a 30 year Fixed APR mortgage and does not include property taxes and insurance To reset the calculator back to zero click on the Reset button at the bottom of the calculator To close the calculator click on the Close button 8 8 Mortgage Accelerator The Mortgage Accelerator Calculator allows you to enter and compare different mortgage repayment options in order to decrease your mortgage term and save money on interest Mortgage Information To begin the mortgage repayment comparison enter in your current mortgage related information Enter in the mortgage amount the term and the interest rate If known also include the original mortgage date and the calculator will automatically determine your last payment date The monthly payment amount is automatically calculated based on your term Mortgage Information interest rate and mortgage amount First Payment Date 11 2007 Loan Amount 240 000 00 Repayment Plans Tem 20 OMo Interest Rate em Payment Amount 1 516 96 Compound Period Monthly T Last Payment Date 10 2037 The Mortgage Accelerator Calculator provides you with three standard repayment options including the ability to add as many custom plans as you like The three default repayment plans are Standard Your current payment plan Bi Weekly A bi weekly payment plan is one in which you pay half of your monthly mortgage payment every two weeks This results in 13 f

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