From: Simon Zutshi                       
Birmingham, UK

If you're looking to build a sustainable property portfolio using none of your own money to replace your income, then this will be the most important book you'll ever read.

Here is why: My name is Simon Zutshi and let me take you back to the summer of 1994, when my degree had finished and my graduation gift to the world was unemployment.

The shame of leaving university without a job drove me to complete 37 job applications. These were the days before the internet when you sent a paper application to the company. I remember painstakingly completing each application in my “best handwriting.”

My efforts resulted in 2 job offers. I accepted the job at Cadbury's because it was in my university town, and of course, I love Cadbury’s chocolate.

I ran outside (still holding the job offer) and looked right, and then left. I was living at number 61 Teignmouth Road, and to my left, at number 69, was a For Sale sign. I ran back inside and excitedly called the estate agent to book a viewing.

My house was a student HMO. It was finished to a minimum standard. The walls were painted Magnolia, and the threadbare carpet was a grey/brown from years of parties.

Number 69, was a freshly refurbed house by a young couple. Everything was new and clean. This was a home, not a student house. I remember the only words that came out of my mouth were, “I’ll have it.”

You see, my Grandmother had just sold her house and moved in with my parents. I asked her if she would lend me the money for the deposit. I offered to pay my Grandmother a much higher interest rate than the bank. Fortunately, she agreed.

Without planning for it, I’d just found a way to buy property with other people’s money. I was determined to buy a house and found a creative solution. That was it.

I rented two of the rooms out to my student friends and what they both paid combined pretty much covered all of the bills in the house. So I was living pretty much rent free and saving most of my salary.

2 and a half years later, I finished the graduate programme early, and I was promoted to a Senior Manager at Cadbury. At last, my career was progressing as planned.

That’s why it was a complete shock to everyone at Cadbury when I quit in January 2001 to become a full time property investor. From the outside, this looked like a reckless decision.

If you want to build a property portfolio, and don’t think you can because you don’t have the money for a deposit, then let me tell you, you absolutely can providing you know how.

This is exactly what I teach in my Amazon No.1 Property Best Seller Property Magic. I teach you a system of how to leverage other people’s time, money and experience so you can build a solid property portfolio much more quickly and easily than doing so on your own.

This book will teach you how to leverage other people’s time, money and experience, so that you can build a solid property portfolio quicker and easier than doing it on your own. It will also show you how to surround yourself with a power team and how to find people who can help you achieve your property investment goals. Like I mentioned before, this book is free. I'll pay for the book and all I ask is that you help me cover the package and postage cost and we'll send it anywhere in the UK...

There is a common belief that you need to have a lot of money to be able to invest in property. Whilst it is true that having money will make it much easier to invest, it is possible to invest without using any of your own money.

In this chapter, I go through creative strategies to buy property.

If you’ve ever sold a property, I am sure you probably wanted to achieve the highest possible sale price. It is hard to imagine why this is not the case for everyone selling property. However, it would be wrong to assume that everyone is like you. There are people who, for whatever reason, need to get their hands on money fast.

In this chapter, I go through why someone would sell their property below market value and 8 different strategies to find these sellers and deals.

I am constantly amazed at the number of investors I meet who appeared to stumble across motivated sellers but who have no idea how to deal with them. If you want the motivated seller to work with you, rather than another investor, you need to make sure that they are confident that you can deliver on your promise. You need to ensure that you provide a prompt, professional and courteous service from the initial contact right up to completion of the purchase.

In this chapter, I cover what to say and do when you meet a motivated seller to ensure you get the deal over the competition. 

One of the main benefits of investing in property is the significant capital gain you can make as your property rises in value over the long term. However, to benefit from the gain, you need to make sure you can afford to hold the property in the meantime. Ideally you don’t want to have to support your property portfolio. Quite the opposite in fact! Your portfolio should support you financially. The rent you receive from your tenants should more than cover all the costs of ownership so that each month there is surplus cash profit left over for you to enjoy.

In this chapter, I cover what makes a good investment property, how to check if a deal stacks up, how much cash flow to expect for each property and the investment strategies you can use to make cash flow (outside of traditional Buy to Lets) such as HMO's, Rent-to-Rent, Options and Serviced Accommodation.

I believe this will be the best strategy for the current market conditions post COVID-19. This is my favourite strategy as it works well for both new and experienced investors, you can get cash flow and equity growth from property you don't own, you don't need large 25% deposits and you don't even need to be able to get mortgages. This is one of the most powerful and yet misunderstood investing strategies. Once you understand it, and know how to apply it, you will have a competitive advantage of most other investors. You really need to be aware of this.

In this chapter, I share all about this strategy, the legals and how you can use it for the mutual benefit of both yourself and the motivated seller.

One of the secrets of being a successful property investor is having a team of people around you who can help you achieve your goals. This group of individuals and companies will help you to achieve far more than you could possibly do on your own. Setting up a good Power Team is one of the first things you should do before even looking for investment opportunities. It’s no good finding an amazing deal and then missing out on it, just because you can’t move quickly enough.

In this chapter, I share who should be in your power team, how to put the team together and how to work with Joint Venture partners.

Investing time and effort in your own education and personal development is the best investment you will ever make. The knowledge and skills you gain through education will stay with you for the rest of your life. For the majority of the population, the only education they get is the formal education they receive at school, college or even university. Unfortunately, this traditional form of education does absolutely nothing to teach you the fundamentals of life about money, finance and investing. Most people learn the hard way by making mistakes, which is a very expensive way to learn. A far easier, quicker and cheaper way to learn is from someone else who has already become successful, from whom you can learn from their successes, and also from their mistakes.

In this chapter, I share the skills you need to be a successful investor and recommend some further resources.