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Wholesaling: No Money Down Investing

Wholesaling is a “No Money Down” form of real estate investing. Investors have probably heard this line a dozen times but don’t exactly know what it means. This is particularly true among newbie real estate investors who have yet to fully grasp the concept of wholesaling houses.

By: David S. Bowler
Category: Real Estate
Posted: Mar 12, 2010
Updated: Mar 12, 2010
Views: 104


Wholesaling is a “No Money Down” form of real estate investing. Investors have probably heard this line a dozen times but don’t exactly know what it means. This is particularly true among newbie real estate investors who have yet to fully grasp the concept of wholesaling houses.

Also known as flipping real estate, wholesaling is defined as the act of placing a house under contract and then selling or assigning that contract to an end buyer, who will close the deal. Wholesalers earn money through the assignment fee. Always remember that when flipping houses, an investor is buying the contract to sell the house, not the property itself.

Wholesaling is often categorized as “No Money Down” investing because a flipper does not need to pay a down payment to secure the legal right to sell a property. Wholesalers, however, need to pay a sum called an earnest money deposit to the home seller. They need to pay this sum to make the contract legally binding.

So technically speaking, wholesalers still need to shell out some money to secure a contract. However, most investors pay only between $1, yes one dollar, and $100 as earnest money deposit. That’s the only money that investors pull out from their pockets to acquire a contract, and this amount is viewed as insignificant to be considered as a down payment. There’s no other cost associated with wholesaling other than that small earnest money deposit.

Wholesalers do not need a huge sum as down payment because they are not the end-buyers of the property. Flippers only serve as “brokers” or “middlemen” – they facilitate the sale of a property from the seller to the end-buyer. These end-buyers could be rehabbers, landlords, and even ordinary people looking for a new home. These are the persons who need to come up with a huge down payment because they are the ones who will close on the property.

So in essence, one can earn $5,000, $10,000, $20,000, etc. in one wholesale deal by spending only $1 as earnest money deposit? Sounds impossible right? Wrong. Ask veteran real estate wholesalers around and one would be amazed how many deals they have done spending only $1 as earnest money deposit.

Most investors agree that wholesaling is the best, safest, and most profitable way to make money in real estate. Learn a step-by-step guide on wholesaling houses by visiting www.REIWired.com today.

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