Kim Tucker

ATTENTION BUYERS!!!

How HUD & the FHA can help you become a homeowner

FHA might be just what you need. Your down payment can be as low as 3% of the purchase price, and most of your closing costs and fees can be included in the loan.

FHA, the Federal Housing Administration, is an agency within HUD, The U.S. Department of Housing and Urban Development. FHA was established in 1934 to advance opportunities for lower- and moderate-income American families to own homes. By providing private lenders with mortgage insurance, the FHA gives that lender the security they need to lend to first-time buyers who might not be able to qualify for conventional loans. The FHA has helped more than 26 million Americans buy a home.

To qualify with the FHA, you don't need perfect credit or a high-paying job. The FHA also makes loans more accessible by requiring smaller down payments than conventional loans. In fact, an FHA down payment could be as little as a few months rent. And your monthly payments may not be much more than rent.

FHA loan limits vary from $115,200 in low-cost areas to $208,800 in high-cost areas. The loan maximums for multi-unit homes (FHA loans are available on up to four unit properties) are higher than those for single units and also vary by area.

With the exception of a few additional forms, the FHA loan application process is similar to that of a conventional loan. Contact an FHA approved lender in your area. For a list of approved lenders you can visit the HUD website at www.HUD.gov

If you would like more detail on the content of this report don't hesitate to contact us, we are here for all of your real estate needs.

* Tucker One Properties, Inc. *

115 E Gregory

Kansas City, Mo 64114

816-523-4400

www.TuckerOneProperties.com

Who is Than Merrill and why do you need to know?

Founder and President of CT Homes, LLC and FortuneBuilders, Inc. is currently one of the most successful investors and speakers in the nation.

He has quickly established himself as a respected expert in the fields of marketing and wholesaling. With his enduring enthusiasm for the business and most up to date hands on experiences in structuring and closing deals, he has brought a breath of fresh air into the world of real estate education.

He applies and grows his knowledge daily in his company and then shares his ground breaking techniques with his students. The results are evident as in the past three years alone, his company CT Homes, LLC has purchased, rehabbed, and wholesaled over 180 single family and multi-family properties. His company is currently buying between 8-12 properties per month.

Than's success can be attributed in large part to his team building talents and cutting edge business systems. He has proven an absolute champion in surrounding himself with some of the most dynamic and dedicated partners, employees, investors and students. In this course, Than shares these and many more secrets to his company's exponential growth. He also introduces his students to unique wholesaling and marketing systems that are among the most advanced in the industry.

He is coming to Kansas City, Missouri on March 27^th to teach an all day workshop "Wholesaling for Quick Cash & Marketing for Deals" so investors in the Kansas City area can find out find out a few of his secrets that have made him successful and landed him and quite a few of his business partners on the hit TV show Flip this House on A & E.

If you would like to learn more about this speaking engagement, please visit the calendar of events for Mid-America Association of Real Estate Investors (the host of the event) at www.MAREInet.com or call 816-523-4400.

With the huge numbers of foreclosures, bank owned properties, vacant properties, there has never been a better time in for real estate investing. It is a prime opportunity for experienced investors and new investors if they have the right training to turn a profit and help the community at the same time. Than is teaching key how to methods that anyone can duplicate, that we see on Flip this House, through his courses and at this hands on workshop on March 27^th.

Find out how investors can help the community they live in by purchasing just a few of the many vacant homes in the area, renovating them as needed, and then getting them occupied by tenants and new home buyers.

Than Merrill was born in Fresno, California. He is a graduate of Yale University and he currently resides in New Haven, Connecticut. After a very successful college football career, he played in the NFL for two years with the Chicago Bears and Tampa Bay Buccaneers before moving on to real estate investing full time. Than continues pursuing his entrepreneurial dream of building a dynamic company in the company of friends while enthusiastically teaching the secrets of his success to investors across the country.

The facts:

Than Merrill to speak in Kansas City

Johnson County Community College

Saturday March 27^th, 2010 from 8:30 to 4:30

Sponsored by Mid-America Association of Real Estate Investors

Web: www.MAREInet.com

Email: info@MAREInet.com

Phone: 816-523-4400 x 222

News media, call office to get in contact with Than if you would like to interview Than.

Renovation Training Required by the EPA

Effective April of 2010 (and earlier in some State), the EPA final Rule, referred to as the "RRP Rule" (Renovation, Remodeling and Painting Rule), will take effect. One of the many requirements of this new EPA Federal Regulation is that construction related activity persons (Carpenters, Roofers, Painters, Remodelers, Renovators, HVAC Persons, Electricians, Plumbers, Carpet Installers, etc) who will impact 6 square feet or more in total (some States are using 2 square feet) of any and all surface coatings (paint, stain, varnish, shellac, polyurethane, epoxy, sealers, etc) or lead-contaminating materials in a pre-1978 structure, as well as all commercial Daycare centers and Kindergarten facilities, will have to receive the mandated Lead-Safe Work Practices (LSWP) training from an approved Professional Training Provider.

State or EPA certification /licensure will be required for construction related activity persons (Contractors) and those persons must receive training from an approved Professional Training Provider. When the new RRP Rule takes effect on April 22, 2010, Contractors will have to take the mandated training from a Professional Training Provider that has been accredited by tht EPA or in the specific State in which the Contractors want to provide services.

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As the EPA does not seem to be doing much to let the general public know about this new training requirement (we found out by accident) our association, Mid-America Association of Real Estate Investors is working to educate the general public at least in the Kansas City area. On Tuesday February 9^th we invited in Lead Expert Richard Baker from Baker Environmental Consulting (www.BakerEnvironmental.com) to speak at our monthly association meeting of Real Estate Investors and their contractors to tell us what is going on.

History: Man has known that lead is harmful to people for over 3,000 years. The Romans knew it. Benjamin Franklin wrote about the visible health effects of lead paint to painters in the 1700's. Paint manufacturers in the 1800's offered "Lead Free" paint that was "Safe". Yet we continued to use Lead Paint in homes until 1978 and it is still in all paint today, just in much lower quantities than we say pre 1978.

Lead Poisoning can cause a myriad of health issues and affect just about every part of the body. Where we especially see it is children of low income families that live in less well maintained homes. But it can be anywhere, and is also being seen in the homes of Contractors.

Where most lead poisoning comes from is from lead dust that is created during renovation and remodeling that is blown out onto carpeting in other rooms of the home. On clothing of the contractors that is tracked to their vehicles and take home to their furniture and flooring. Children, especially small children crawl on the flooring, touch floors, car seats, grass on the outside of the home, the dog who has been playing in grass contaminated with lead paint dust, etc. It gets on the hands of the children, which in most small children then go into their mouths. Just getting a minute amount on their hands and into their mouths over a several day period can cause severe lead poisoning and over prolonged periods it can cause death.

So consider the contractor with 2.5 kids that has lead dust on his clothing when he goes home - he gets dust in his car, on his furniture, on his carpeting, or through washing his clothing with the family, he gets dust on everyone else's clothing.

So in an effort to protect not only the public whose homes are being renovated, but also the families of the contractors doing the work, we now have this new rule that is going into effect.

Specifically in KS, every contractor on the crew will need to take an 8 hour training class and get a certificate of attendance. In MO, the owner or manager needs to take the class and get a license and then they will be able to train their own staff on lead safe work practices. But it would be advisable that all workers take the class.

Some work practices suggested:

•1. Don't disturb the lead paint and cause dust. Take out the entire surface affected if in bad shape and replace or if in good condition, paint over it. Temporary fix.

•2. When you do cause dust. Keep it contained and clean it up with a HEPA vacuum, not the normal every day vacuum or shop vac but rather a commercial grade vacuum with HEPA filtering.

•3. Don't create dust - wet it down as you work with it so it does not get dusty and in the air.

•4. When drilling it was suggested to put a dollop of shaving cream in place and drill through it.

There are many more practices that need to be taught to protect the public. Our speaker Richard Baker commented that it was very sad that 1000's of people suffer lead poisoning in 2010 when we have known about the health hazards of lead for over 3,000 years.

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In the News:

Interview with Maria Antonia of KMBC-TV 9

http://www.kmbc.com/news/22413754/detail.html

More Information:

•· EPA http://www.epa.gov/lead/pubs/renovation.htm

•· HUD http://www.hud.gov/offices/lead/training/rrp/rrp.cfm

•· Baker Environmental http://www.bakerenvironmental.com/baker-environmental-whats-new.asp

•· MAREI http://www.mareinet.com/clubportal/EventDisplayNew.cfm?clubID=755&EventID=113382&mo=2&tDate=%7Bd%20%272010%2D02%2D10%27%7D

•· Replay Audio of our Meeting http://mareinet.audioacrobat.com/download/d0d431a9-3ea3-4b7d-b57d-4c9879232440.mp3

Lead Safe Work Practices - Classed offered by Baker Environmental:

•· February 15^th & 19^th - Holiday Inn, Overland Park KS

•· March 1^st - Accurate Rater Network, Independence, MO

•· March 3^rd & 4^th - Fort Riley, KS

•· March 8^th - Fort Leavenworth, KS

•· March 9^th - Holiday Inn, Overland Park, KS

•· March 10^th - Fort Leavenworth, KS

•· March 15^th - 18^th - Fort Riley, KS

•· March 19^th & 29^th - Holiday Inn, Overland Park, KS

•· March 31^st - Accurate Rater Network - Independence, MO

•· April 12^th - 14^th - Holiday Inn, Overland Park, KS

•· April 22^nd & 23^rd - Holiday Inn, Overland Park, KS

Looking for training in your state, contact your local health department or local EPA office for more information.

About Baker Environmental:

Baker Environmental located at 7941 Westgate Street in Lenexa, KS 66215 is the first in the Kansas City Region to receive formal approval from HUD for their Lead Safe Work Practices training. Additionally, they are the only professional training firm in the entire region who have Staff that have attended the 2002 HUD / EPA Train-The-Trainer training course in Washington, DC that was given for those that want to become approved to teacht eh LSWP courses. Unlike anyone else in the Midwest region of the country, Baker Environmental has been teaching LSWP classes Nationwide officially since 2003.

Found online at www.BakerEnvironmental.com

Phone: 913-541-0220

Contact: Richard Baker

About Mid-America Association of Real Estate Investors:

Mid-America Association of Real Estate Investors (MAREI) located in Prairie Village Kansas is a trade association for the Real Estate Investing industry that has provided networking and educational opportunities to real estate investors and service providers in the Kansas City Metro area since 2003. We strive to keep our members and the general public informed of important issues relating to real estate.

Found online at: www.MAREInet.com

Phone: 816-523-4400 x 222

Contact: Kim Tucker

Starting on April 22, 2010, a new regulation goes into effect, the Renovation, Remodeling and Painting Rule or RRP Rule. The RRP Rule requires that all persons who provide construction trade services will be mandated to have successfully completed a professional 1-day training course and be licensed or certified by either the EPA or by the state where the work is occurring.

This rule will apply in any situation where the construction trade service is impacting an area equal to or larger than 6 square feet of interior or an area equal to or greater than 20 square feet of exterior area that is affected by any material, paint, or surface coating containing lead.

Construction trades refers to renovators, remodelers, HVAC persons, Plumbers, Electricians, Modernizers, roofers, Carpet Installers, Maintenance Repair People, or anyone working in a construction type trade.

Everyone involved will need to be trained in the proper uses of lead safe work practices as well as the proper documentation.

To find out more about rules and regulations for Kansas City area properties, be sure to attend an informational meeting being held on Tuesday February 9^th, 2010 as a part of the regular monthly meeting for Mid-America Association of Real Estate Investors. Meeting to be held at the Sylvester Powell Jr Community Center at 6200 Martway in Mission, Kansas. Meeting starts at 6pm with networking and presentation at 7:15. Meeting is free for members of Mid-America Association of Real Estate Investors. Cost at the door for non-members is $25 visit our web site at www.MAREInet.com to pre-register for $15 on our Calendar of Events.

Guest speaker to be Richard Baker.

Richard A. Baker, CPS, CEM, CELC, ACD, and President of Baker Environmental Consulting, Inc. is an internationally known and well respected expert in all aspects of the lead hazard control industry. He holds numerous licenses, accreditations and certifications from several state and federal agencies, in several different disciplines. To find out more about Mr. Baker and his consulting company, please visit www.BakerEnvironmental.com

If you buy, sell, or repair Kansas City area homes built before 1978 you need to be at this meeting to learn more.

MAREI Investment News

January 2010: Online Version