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Note: One of the greatest challenges facing real estate investors face is finding the money to finance this initial treatment, even if they themselves some cash. I sat down and spoke with Russ Whitney, internationally known and respected leader in the real estate investment and financial training, and here is his advice:

Jordan Taylor: I recently heard from a new investor, buying a property below market value and had a 5 percent down payment, but the bank said, because it's an investment, the deposit for the 20 per cent. What would you suggest they do?

Russ Whitney: You must work for another lender. They probably went to a branch of a mega-bank, has very strict rules and the people in the stores do not have the authority to operate outside those rules. Lenders may have a different view of the far more favorable.

What is very important to always keep in mind that if you have a loan, the lender does not do you a favor. The lender is to raise money for the treatment of interest on the loan and other fees, such as points and closing costs. You're the customer, and you should be treated that way.

JT: If the bank is to raise money for the business, why they are after loan?

RW: Because they have to ensure that they have money for the transaction. The banks make money for loans which are repaid on schedule, so that they meet the rules and principles that help ensure that they are good loans. Unfortunately, sometimes strict rules are not a bank the flexibility to work with a creative Real Estate Investors. But just because a bank makes you not, you can not finance the transaction. Therefore you must also credit other options.

JT: That's easy for you to say - My name is Russ Whitney and the people are probably lining up to you money. What is the best way for a normal person to do?

RW: I recommend, with a good mortgage broker. Your task is to help borrowers and lenders together, and they are only paid if the loan is closed. They are a great resource for real estate investors, because they all use the loan for you buying, and the lender pays the Commission. A strong man will help get you the structure and then take you to the right lender.

JT: What do you mean by "the right lender"?

RW: Not all lenders are the same. They have different requirements, such as different types of deals. Traditional banks, for example, are very concerned with how much money you're in and your credit rating. A hard money lender focuses on the value of the property and the loan-to-performance ratio. Other lenders offer a range of conditions. Some want the loan repaid quickly, perhaps within a year, others for much longer maturities. The broker is also the lender charges and other areas of policy, and make sure everything is in line with your goals.

JT: How do you find a good mortgage broker?

RW: Start by clicking the yellow pages of your local telephone directory. Many brokers will be advertising in the real estate sector of the newspaper classified section or in the week buyers and real estate publications. If you are in your local Real Estate Investors Club - and you should be! - You 'll probably broker, or you may contact other investors to find out who they use.

Please contact the broker and explain your strategy and goals. Questions whether he is working with lenders to finance the type of transactions you. The broker should be enthusiastic and positive, what you do - if you feel that he is not a negative, another broker.

JT: Any other advice?

RW: Do not give up. There are a lot of money in order to finance real estate deals. If you have a good package is the way we teach, it can be financed.

Jordan Taylor is the editor of Millionaire Mentor ™ Newsletter, by Whitney Education Group, Inc. ™ to sign up for a free subscription, visit http://www.russwhitney.com