Creative Wealth Investors

Executive Summary

Creative Wealth Investors is requesting the assistance of private investors to build capital and move forward with innovative high-impacting projects that allows for transparency and integrity to be central to the core of the long-term success that empowers individuals as a Virtual Cooperative Network. The project is based on the growth of the apartment industry based on the target population: the baby boomers and their children the echo boomers. What is unique in this project is that all proceeds are backed by gold as collateral and why cash deals need to be converted to gold, silver, and other precious metals. The success of the project would be to put back the gold standard that President Nixon removed in the 70s which has caused insurrmountable problems with our economy impacting on the real estate industry. Creative Wealth Investors desires to compensate all investors who participate by investing their monies as a syndicated effort with gold as a future tax shelter. The CEO of Creative Wealth Investors Raymond Ebbeler is a former Udemy participant / instructor and designed an online course on how to win at Binary Options which he has to date used to "grow" a five-figure income as a lucrative home-based business -- an industry in and of itself --- but desires to convert the "fiat money" (the dollar devalued can be converted into gold and silver.as a tax hedge).

As an individual Mr. Raymond Ebbeler desires to "pool" all the capital reserves as a strategic alliance to purchase single - family homes,  multi - family apartments and commercial properties. The investor is guaranteed to receive 12% to 15% return on investment (ROI) based on algorithmic software that identifies good deals and allows for modification that supports creative financial proposals to motivated sellers. Raymond Ebbeler received his MBA online from the University of Phoenix. His thesis was on Using A Hybrid Approach to Restructuring A Health and Wellness Emporium which addressed a "hybrid" using different business models (2004) for generationg 20% ROI. Although Mr. Ebbeler has 30-years in medical and mental health working in hospitals and patient's homes his desire is to "renovate multifamily apartments to become multiplex facilities for senior residential housing."  Mr. Ebbeler founded Creative Wealth Investors to promote wealth for private investment in a growth industry (FREE eBook) and the web site is designed to meet the expectations of all the investors who see long-term  capitalization as equity and interest incomes which exceeds the fair market return on investment (ROI) which is currently at a national average of 6.5%. 

His insight into the long-term continuous growth of real estate is spured by and is specific to three phases of operation: Phase I: multifamily (5 units) -- tax lien certificates (two-year); Phase II: multifamily (50 units) tax deeds (three years); and Phase III: commercial properties (over 100 units) [five years]. As a self starter Mr. Ebbeler has taken action to move forward to now enlist the collaboration of private investors: a win/win proposition. The time frame is anticipated as the years 2016 to 2025 inclusively.

The operational definition of a future partner would be anyone not satisfied for a less than 1% return of interest in any financial market. This creates opportunity for generating mutiple incomes. A private investor need not have accreditation ($1,000,000) to be eligible which opens the investment channel for a minimum of $1,000 to a maximum of $10,000. This would create a Virtual Cooperative Network (VCN),

Creative Wealth for 2016 and Beyond

The idea is to have seamless communication with all investors and have transparency when it is necessary to maintain communication in cyberspace. Therefore as a former Udemy instructor in promoting an awareness for Binary Options (virtual school); Mr. Ebbeler has graduated to becoming an Internet marketer ($3,000 value for $100: sample package as a "mobile optimized eCommerce site for doing syndicated deals who are not satisfied with receiving the national average of 6.5% let alone money that is dormant in savings, CDs, IRAs, Roth IRAs, IRA SEPs, and 401-Ks. Most individuals do not desire a portfolio based on a volitile stock market. Since most individuals do not realize that they can opt to receive more in the way most millionaires and billionaires approach investments (e.g., Robert Kiwosaki, Donald Trump, and  Warren Buffet); it is imperative that private investors need to pay attention too real estate...Five Creative Approaches that Smart Investors Need To Know About. The manuscript is a future flip book that will be published soon and addresses all five approaches. Below are chapter headings and the content to identify as innovative projects to consider (e.g., multifamily apartments as healthcare facilities for baby boomers and their children; smart homes that purport "high tech and soft touch solutions" as cost-effective  alternatives as income producing opportunities. 

Chapter I: Yield-Seeking Investors Who Consider A Wider Range of Assets and Markets in 2016 and Beyond. is written to identify creative areas for achieving equity by strengthening property performance, steady equity flows and competitive debt markets combined to generate a modest increase in transaction velocity last year which provides a growth trend for  2016. Sales of single-tenant assets accounted for more than half of all transactions for the eighth consecutive year in 2015, but the proportion of multi-tenant deals rose, indicating greater acceptance of operational and re-leasing risk among investors (target market: baby boomers and their children echo boomers).

The average cap rate in all deals contracted about 20 basis points to roughly 6.5 percent as competition for assets intensified. Initial yields were less than 6 percent in markets where lower returns are customary, including the more-vibrant California markets and supply-constrained Miami-Dade. However, with long-term interest rates projected in the range of 12% - 15% which is projected to be high for 2016 and beyond, additional positive leverage opportunities will emerge for multi-tenant property investors. Private capital, specifically, was active in 2015 and will continue to target opportunities to enhance value, employing strategies that include turning over tenants and refreshing property appearance.

Creative Wealth Investors’ adherence to the industry standard the National Multifamily Index (NMI) is forward thinking and predicts a 12% - 15% yield which IS based on due diligence in financials -- information in real-time as the accurate purchase prices specific to one-year and future projections specific to the NOI and cap rate as determined by the algorithmic software (peruse the web site for real time demo)

Chapter II: On Algorithmic Software  is discussion on a user-friendly software utility which enhances investor confidence that has accountability and is paramount to limit construction and support  creative strategies to raise rents to augment NOIs that will sustain a liquid investment market for 2016 and beyond with option to convert into gold and silver. Many investors seeking assured returns or trading out of management-intensive properties will continue to focus on multifamily and/or commercial properties net leased to highly rated tenants. To enhance profitability retail assets are future aspirations that will continue to attract the attention of redevelopment-oriented groups. For example, obsolete or underperforming regional malls that can be reconfigured as mixed-use concepts would be targeted.

Chapter III: Seven Criteria for Better Realization for Years 2016 to 2025 identifies apartments as multplexes with  low vacancy, but with strong rent growth potential and environments with solid projected employment gains which placed highest in this year’s National Multifamily Index (NMI). Robust employment growth and household formation plus intense housing demand put San Francisco and San Jose at the top, while strong operations also enabled Oakland to claim a competitive spot. Other multiplexes with sizable concentrations of tech employment, including Portland, Seattle-Tacoma and Boston, were also ranked near the top of this year’s NMI. Improving local economies and property performance vaulted Riverside-San Bernardino and Atlanta into the top 20 in this year’s Index. Markets in Texas occupied positions in the upper half of the NMI, led by Austin and Dallas/Fort Worth. Houston slipped, however, as new supply will come online while economic conditions soften . Midwest multiplexes claimed positions in the lower third of the index despite generally favorable demand drivers and property operations. Most notably, Detroit continues to chart a respectable resurgence with a significant rise in the NMI. Multiplexes with demographic and job trends not as impressive as higher-placed markets filled out the bottom five spots in the Index, spanning from Jacksonville to St. Louis. The national economy's Gross Domestic Product (GDP) grew modestly last year behind considerable contributions from consumer spending, a mild resurgence in housing, non-residential construction and government outlays.

Whereas, trade imbalances related to the devalued dollar bur backed by a gold standard would enhance  economic expansion in the coming months. In 2016, GDP will grow from 1.5 percent to 2.5 percent. Following a projected gain of 2.5 million jobs last year, employers will continue to expand staffing, creating 2.6 million positions in 2016. Job openings hovered near all-time highs in the second half of 2015, signaling that employers see additional expansion opportunities that will require more workers on the horizon. Amidst the positive developments in the labor market and other facets of the domestic economy, many foreign economies lost momentum in 2015. The risk of foreign economies spreading and weighing more greatly on U.S. economic performance will persist during 2016. GDP measured 3.5 percent growth as of third quarter 2014, following a rate of 4.6 percent in the prior quarter. Nominal retail sales stand 18 percent higher than the prior peak, or 5.8 percent adjusted for inflation. Employers added 2.7 million jobs, a 2.0 percent increase, regaining all of the jobs lost in the recession.

Chapter IV: National Apartment Overview New rentals were absorbed in substantial numbers last year, contributing to a decline in national vacancy to 4.2 percent. Elevated completions will exceed demand and underpin a nominal increase in the U.S. vacancy rate in 2016. Further expansion of U.S. payrolls will generate new rental households and support a 5 percent jump in the average effective rent this year. Positive demographic trends in the millennial and baby boomer segments will also spur new demand and underpin solid asset operations. Developers will complete 285,000 units in 2016, surpassing last year’s total of 250,000 rentals. Multifamily starts remained elevated nationwide, pointing to additional supply pressures over the near term. Several muliplexes will record supply-induced vacancy increases this year.

Chapter V: Creative Wealth and Capital Markets follows a long-anticipated hike in the short-term lending benchmark, the Federal Reserve will continue to devalue the dollar b7 monitor economic gauges (printing more fiat money) to address the consumer price index (CPI).  Although, the Federal Reserve’s fourth quarter rate was impacted by printing more C notes; the GDP and the  economy as a whole would suffer due to  inflation which would only be a moderate growth for 2016, Regardless of the debt source, lenders vigilantly enforced leverage levels lower than those applied during the peak pricing era. Therefore creative financing strategies are identified for continued growth which requires modifying lending standards which should mitigate the risk of defaults and create a paradigm shift allowing private investors to capitalize on the continuity of  IRR and cash on cash.

Chapter VI: Investment Outlook for 2016 and Beyond addresses a healthy property operation and potential demographic-driven upsides which drove capital into the apartment sector in 2015. Primary markets accounted for the majority of deals and dollar volume during the year, but secondary markets also stood out, posting sizable gains in transactions and dollar volume. With cap rates for Class A assets in preferred and primary markets, which warrants creative development which will continue to become an option for private investors seeking to capture higher yields. Locations near mass-transit hubs in urbanized markets are prime targets.

According to Raymond Ebbeler, CEO of Creative Wealth Investors... "This web site for NOW is a social media portal for private investors to communicate with other private investors to form a syndicate and benefit as a strategic alliance through carpe diem (seize the day). Bear in mind that once an investor agrees to doing business with Creative Wealth Investors, a "proof of fund" (POF) letter and/or "letter of intent"(LOI) will need to be constructed under the guidance of a real estate lawyer. Consensus is necessary for transparency and as a gold investor and one who partakes in doing binary options; I have set aside a "cash reserve" as collateral (ongoing). Most of my investments are assets done on "paper" such that the gold mining and oil industries are speculated but updated daily. However in precious metals my investments are in silver and gold coins. A future investment would be titanium (under investigation).

                                                                                                        Raymond W. Ebbeler, MBA, Ph.D.

                                                                                                        (Health Psychology: Candidate)

                                                                                                        Creative Wealth Investors