MASTER PROPERTY INVESTOR

special report

How to Start
Your Own
Property Empire
...with just R10,000 down!

By Francois Joubert

Francois Joubert, chief Investment Strategist of Red Hot Penny Shares

Before working for FSPInvest.co.za, Francois had a distinguished
career in the mining industry. It was there that he developed an
intimate knowledge of commodities and learned how to identify the
best investment opportunities in resources as diverse as gold, uranium,
platinum, and much more
Through this monthly publication, Francois shows his readers the stocks
with the potential to double their money in 12 months or less. Over the
last four years, Francois readers have enjoyed consistent big gains from
small stocks, including recent winners such as 215% on pointing and 2017% on Adapt
IT.Adapt IT.

Important: FSPInvest.co.za, a division of Fleet Street Publications (Pty) Ltd, is a research house and not a registered broker, financial
advisor or financial service provider. Our editors and customer services teams also do not give personal investment advice. The
information in this publication is general advice only and may not be appropriate to your particular investment objectives, financial
situation or particular needs, so before investing or if in any doubt about your personal situation, you should seek professional advice
from a stockbroker or independent financial adviser authorised by the Financial Services Board.
We research our recommendations and articles thoroughly, but disclaim all liability for any inaccuracies or omissions in this publication.
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MASTER PROPERTY INVESTOR special

report:

How to start your

own property
empire
with just R10,000 down!

By Francois Joubert

Contents
OPM: The best way to create REAL wealth from property

The power of OPM revealed:

Four property investing strategies to suit your pocket

Your budget: R5,000 R10,000

Your budget: R25,000-R50,000

Your budget: R50,000 R150,000

Your budget: R100,000 R250,000

Have a question on property?

Bonus Chapter: This 23 year old became a master property investor

WITHOUT using a cent of his own money!

How to start your own property empire

Dear Reader
I believe that the fastest, easiest way to make BIG money from property is to simply use OTHER
peoples money - or as I like to call it OPM to fund your investments!
Let me explain

OPM: The best way to create REAL

wealth from property
Other peoples money (OPM) or leverage is one of the most important aspects to investing in
property.
Put simply, this is money you borrow to control a lot of property and generate a high rate of return
with little money in your own pocket This means you buy a property with a loan and get tenants
to pay it off for you!
And the best part?
The more OPM you use the more money you will make - and the HIGHER your return on
investment will be at the end of the day!
Just take a look at the example below!

The power of OPM revealed:

Buy price

Your own money

OPM (loan or
mortgage)

Sell price

ROI

R500,000

R10,000

R490,000

R580,000

800%

R500,000

R50,000

R450,000

R580,000

62.5%

R500,000

R250,000

R250,000

R580,000

32%

R500,000

R500,000

R0

R580,000

16%

True, Ive ignored rental, expenses and interest costs for this example. But you can still CLEARLY
see that the smaller the amount of your own money you use when buying a property, the larger your
overall return on investment will be. Its like magic!
Keep reading the rest of this report for all the details on how to get started building your very own
property empire staring with just R10,000!
Heres to unleashing real value,

Francois Joubert,
Master Property Investor and Chief Investment Strategist, FSPInvest.co.za
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How to start your own property empire

Four property investing strategies

to suit your pocket
Ive heard many people say:
I cant invest in property because its too expensive. I dont have hundreds of thousands of rands
just lying around.
But heres the thing: You dont need to be rich to start investing in property. In fact, most people can
afford to invest in a second property even if they owe money on their current home loan.
You see, its possible to buy a new rental property with as little as R10,000!
All you need to do is make sure you follow the right strategy to suit your pocket!
You see, no matter how much (or little) cash you have, theres a property investment thatll suit your
pocket.
Lets have a look at the options:

Your budget: R5,000 R10,000

The best option: Go for a new property development! - Its an almost no cash
down option to investing in property!
A friend of mine recently bought an apartment in a new development.
And he only had to put R2,000 cash down on a R400,000 property!
Because the property was newly developed, he didnt have to pay a cent in costs and got a 100%
loan from the bank.
He put a tenant in the property on day one and started making money immediately!
WOW!

Your budget: R25,000-R50,000

The best option: Find and buy undervalued property to create positive equity from
day one!
I recently bought a one-bedroom loft apartment for R20,000 less than its first owner bought it from
the developer two years ago What a bargain!
But when I had a valuation done on the apartment, its real value was closer to R100,000 more than
what I paid for it. That means, from day one, this undervalued property increased in equity value by
R100,000!

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How to start your own property empire

Opportunities like this come around if you know where to look, but they tend to require a larger
deposit than new developments.
In this example, I paid R50,000 deposit on the property.

Your budget: R50,000 R150,000

Your best option: The best bargains lie at the auction house but make sure you
have the cash!
The very best bargains lie with bank repossessed properties. Ive seen properties sell for 50%
discounts to their market value even more at auction.
But the number one thing to remember at auctions is that you need to pay a 10% deposit on the spot
if your bid is successful. You also need to have your loan approved for the amount you bid, as you
wont have months following the auction to pay for the property.
You can make the most money in the shortest time from properties on auction. But you need more
cash to start out with, as well as more knowledge about property values and the process of getting
financing.
Although I recommend this as a great way to make money from property, I suggest you start with
newly developed property or finding undervalued property first. That way, you can get the hang of
managing property, finding good properties and getting financing before you put a lot of your own
money on the line at an auction.

Your budget: R100,000 R250,000

Your best option: An age-old recipe for success: Buy it broken and fix it up
Buying a house in need of some TLC and fixing it up, is a great way to increase the value of a
property you bought at a low price.
Ive seen a rundown house sell for R880,000 and, after about R100,000 in repairs and restorations,
it sold for R1.2 million!
But remember banks these days dont like giving loans larger than the value of the property.
So youll have to cover the costs of fixing up a property by yourself, and this can run into the
thousands. So again, I suggest you only do this when youve already built up a track record of
investing in easier properties and grown your cash a bit!
Its that easy!
So you see, its possible to invest in property with no cash down although when you do, youll
have to be more patient with returns.
On the other hand, you can put down more money and see your profits shoot up faster but with
higher risk of course.
So now you know what strategy youd like to use, and how much money you need to start out with.
Good luck with your first investment property purchase.

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How to start your own property empire

Have a question on property?

Join South Africas biggest investor network. Meet accredited Financial Experts. Ask your questions
and get a guaranteed answer for free.
Francois Joubert is only one of the dozens of experts we have on the InvestorsClub.co.za and if you
have any questions on property investment, then feel free to ask him here.
Some of the questions our community have asked are shown below:

Investing in property
Olga Molepe asked at 23 Oct. 2015

I want to start investing in property to rent out. What is the best way to find a property?
Expert - Annette Beyers answered to question to 24 Oct. 2015

Hello Olga,
I would like to recommend that you read the following article. After that I can also
recommend that you invest in one of Francois books - Become a Master Property
Investor in 90 Days
I hope this helps
Annette

Property investment
Gertrude Myaka asked at 04 Nov. 2015

Hi Mr Joubert, I like your 90 days master plan in property. I have big space in my yard to build
rental rooms. Do you think trying it can help me though Im not that financially fit.
Expert - Francois Joubert answered to question to 11 Nov. 2015

Hey Gertrude,
Definitely. It shows you a couple of important aspects you need to know to vet and
manage tenants. It will also help you see whether the investment you put in is worth the
rental returns.

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How to start your own property empire

Bonus Chapter:

Do you want to get into property, but just dont have the money?

This 23 year old became a master

property investor WITHOUT using a
cent of his own money!
And youll be shocked at how easy it is for YOU to do the same
Whats stopping you from buying property?
Is it because you dont qualify for a home loan?
Maybe you do qualify for a home loan, but you dont have the money to pay the 10% deposit most
banks ask for let alone the money to pay those costly transfer fees.
Dont let that get in your way.
Because the truth is, once you know how to get around these common property investing
problems, buying and making money from property is dead easy.
How can I be so sure?
Ive done it myself!
And today I want to show you the tricks I use to:
Buy property for less than R10,000
Invest in property using OTHER peoples money
Guarantee the bank will give you a home loan no matter what your credit status is
Snap up properties selling at half their real market value
Have the most profitable properties on the market come looking for you
Make an immediate profit on your property the minute you sign the paperwork
Avoid common property traps that do nothing but eat away at your profits
And so much more
This information will give you a real edge in the property market and balloon your bank account by
tens even hundreds of thousands of rand in extra income this year.

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How to start your own property empire

In fact:

What Im about to show you will help you start your very own
property empire in just 90 days
Hi.
Im Francois Joubert.
As an avid FSPInvest.co.za reader, you probably know me as the investor who regularly makes a
fortune from the profitable, but volatile, world of penny shares.
The guy who, in the past 12 months, helped his Red Hot Penny Shares readers bank gains like
85.45%, 104.96%, 215.07% and 63.85% in one of the hardest market weve seen in years.
From this, youll probably have gathered that Im a risk taker. But you should also know I never
take unnecessary risks
I never invest until I know I can guarantee that the opportunity is as close to a sure-thing as you can
get.
But what few of you know is Im also a passionate (and, dare I say it, highly successful) property
investor.
Shocked?
Many people are.
After all, nothing could be further from the thrills of penny share investing than the rock-solid
property market.
So why do I invest in both?
Because I know the secret to real wealth is to have a mix of risky and stable investments bringing in
the cash.
Now this may sound hard, but its not. Because

I found a secret that turns property into the laziest, low-risk

road to riches
I first started dabbling in the property market when I was just 23.
Since then, Ive completed my fair share of successful property deals deals that bring in hundreds of
thousands of rand a year without lifting a finger!
My secret?
Insider knowledge.
Thats right. If theres one thing Ive learnt in all my years as an investor its that due diligence is
essential when it comes to making money in any sector of the market.
You need to truly understand what it is youre doing.

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How to start your own property empire

Thats why, when I decided property was a sector my portfolio had to be exposed to, I knew that the
fastest, safest way to make money quickly was to find someone to teach me the ropes.
And thats exactly what I did!

I found a guy who successfully built a multi-million rand empire

and asked him to be my mentor
The most significant thing he showed me?
A way to get people to pay off his property investments for him.
It was this technique that helped me develop the property investing strategy I still use today. A
technique I used to build my own property business by the time I was just 24.
That was two years ago. And despite being so young, over the past three years, Ive multiplied the
number of properties in my property business five-fold.
And even clinched the financial director spot at a well-known Home Owners Association where I
regularly help owners solve their most challenging property problems.
How?
Its all thanks to the amazing property investing techniques I want to share with you today.
Techniques Ive used successfully to:
Make a R75,000 property profit in a single morning using other peoples money;
Squeeze every last penny of profit out of my property investments;
Make money on the very first day I bought a property;
Find (and buy) super-cheap properties that are selling for 20%, 30%, sometimes even 50% less
than theyre really worth;
Avoid paying tax on my property investments;
And much, much more
Interested?
Then climb aboard

This is your ticket to property investing riches

Today, you have the unique opportunity to get your hands on everything you need to make money
buying and letting property WITHOUT the huge capital injection youve always believed was
keeping you out of the market. WITHOUT spending hundreds of hours trawling the Internet. And
WITHOUT reading investing manuals that tell you nothing that really works.
Ill show you exactly where and how to start looking for property... How to make the most money
possible from by renting it out... And how to set up your property business so you can buy your first
property in just 90 days from today!
And remember, these are the steps Ive personally used to build my very own real estate empire.

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How to start your own property empire

I put everything I learnt about being a successful property

investor into Become a Master Property Investor in 90 Days
In my Become a Master Property Investor in 90 Days
programme, I give you everything you need to buy your
first property and make money from it.
In fact, I wrote this programme to answer every question
youve ever had about investing in property and show how
to make money from it all in just 90 days from now!
Let me show you:
How to create your own property investment business
plan
How much money you really need to invest in
property
How to make sure you always get financing
Which properties to avoid and which to snap up like hotcakes
The secret to buying mispriced, cheap properties
How to accurately assess the market value of a property and project what itll be worth five years
down the line
Whether you really can make huge profits from buying and fixing up an old property
How to get tenants quickly so you never have an empty unit
How to find the best agent without paying too much commission
How to manage your rental properties so you never get stuck with the wrong type of tenant

Become a Master Property Investor in 90 Days is the property programme youve been waiting
for. Itll give you the answers to all the questions PLUS everything else you need to know about
successfully investing in property. Best of all, you can get started right away!

Dont wait to jump on this Others wont!

Property is probably the most consistently profitable, hassle-free, long-term wealth creator in SA.
And, since I expect prices to carry on growing between 8% and 10.5% a year over the next ten
years, many people are going to make a lot of MONEY from the property market.
But heres the thing, while the price of property continues to rise, so too does inflation and the
likelihood that the South African Reserve Bank will start to hike interest rates again.
And do you know what that means?
If you currently rent, youll need to save for an even bigger deposit before you can buy a
property
If you want to buy another property or do some much needed renovations to a property you

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How to start your own property empire

already own, itll cost you even more as prices climb

If you want to invest in rental property, your return on investment will NEVER be as good as it is
right now
Dont wait on the side-lines just because you think you dont have enough money to get involved in
property.
Let Become a Master Property Investor in 90 Days help you buy the property youve had your eye
on irrespective of whether you want to live in it or use it to generate an extra stream of income.

So lets get down to business

How much would you pay for a resource that contains the kind of insider iformation guaranteed to
help you become a master property investor in just 90 days?
R10,000?
R5,000?
R2,500?
No!
Order today, and you can get your hands on my Become a Master Property Investor in 90 days
programme for just R1,495.
Thats R500 off the publishers price.
And a tiny investment when you consider this is your chance to make tens of thousands even
hundreds of thousands of rands in property revenue for the rest of your life.
But thats not all you get if you order today.
Because I want to make this the easiest thing youve ever done Because I want to make sure youre
able to do it within the 90 days Ive promised If you order today, Ill send you R5,000 worth of
extras absolutely free!

Get your hands on a copy today and youll also get access to my
exclusive Master Property Investor Toolsuite!
This comprehensive toolsuite is the most valuable resource any property investor could ever lay their
hands on.
I cant tell you how much time property buyers waste bouncing from one website to another doing
research and crunching numbers as they evaluate a potential deal.
To save you the hassle, Ive put together a comprehensive suite of tools thatll do this all for you.
Youll get:
A powerful Property Profit Calculator thatll show you exactly how long itll take to pay off your
bond USING OTHER PEOPLES MONEY.
A very handy Tax Savings Calculator to show you how much money you can save on every

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How to start your own property empire

potential property deal.

And my personal favourite: Your Guaranteed Finance Affordability Calculator. With this tool,
the bank will never turn you down for a home loan again. Youll know exactly how much the bank
will lend you, even before you apply.
Valued at R5,000, this toolsuite is absolutely free when you order your copy of Become a Master
Property Investor in 90 Days today.
Even better, Ill give you on-going support throughout this programme so you can ask me for help
whenever youre faced with a challenge or simply ask me a question about any step in the process
youre unsure about.

And remember, if you dont have everything you need to buy your
first property within 90 days, I dont want your money!
You read that right.
If you follow all my steps to the letter and still arent able to boost your status to master property
investor within 90 days, Ill send back every cent you paid for this product.
In fact, Im so convinced that you can become a master property investor in 90 days, Im offering
you a LIFETIME, no-strings attached money-back guarantee. If, at any time in your life, you arent
convinced the steps in this programme can help you buy property without a bond in just 90 days,
just send it back for a full refund!
So what do you have to lose?
Dont delay.
Get your hands on a copy of Become a Master Property Investor in 90 Days. Its the only way to
guarantee youll bank that first property cheque in just 90 days from today.
Heres to investing in your first property,

Francois Joubert
Master property investor
PS: Dont envy investors who make a KILLING from the property market, be one!
Regardless of whether youre interested in buying property as an investment or just looking to buy
your next home, dont delay.
There are thousands of South Africans waiting for the right moment to pounce on a property thats
perfect for you.
But with my help, youll possess the kind of information thatll give you a real edge in the market
an edge that will help you time deals, successfully bid at auctions and negotiate finance and buy your
dream property investment in no time.

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