How to Become a CIA: (Part 1) You Can Invest Without Cash or Credit

September 9, 2009 | By | 47 Replies More

No Cash No Credit InvestingWere you surprised when you first heard that you could invest without cash or credit? Did you make a face similar to this guy?

I know I did . . . but, like most people, I was pretty skeptical . . .

Fortunately, I did my own research and found out the truth . . . that you can invest in real estate without cash or credit . . . and that’s exactly what I’m sharing with you through this killer series.

Sooooo, let’s get ready to RUUMMMMMBBLLLLLE!

Welcome . . . to Part 1 of 7 of the “How to Become a CIA” creative real estate investing training series . . . (if you haven’t checked out the intro to the series, click here and check it out first) . . .

In Part 1, here’s what we cover . . .

= > A detailed word for word analysis of the title of Part 1, “You Can Invest Without Cash or Credit” and what that means to you . . .

= > I finally let you in on what a CIA is . . .

= > “The CIA Manifesto” revealed . . .

= > The 4 step “How to Become a CIA” action list for the week . . .

= > and I give you a heads up on what’s coming down the road in this series . . .

Sound good?

Excellent . . . let’s get started!

“You Can Invest Without Cash or Credit”

>> YOU Can Invest Without Cash or Credit.

Meaning that you can do it! No matter your situation, no matter your background, no matter what’s happened to you in the past, no matter your current situation today.

>> You CAN Invest Without Cash or Credit.

Meaning that it’s a choice. Whether or not you take part investing today in one of the best buyer’s markets in history . . . is nothing more than a decision.

Napoleon Hill studied the lives of hundreds of the most successful people of his time . . . Henry Ford, Harvey Firestone, Andrew Carnegie . . . and he found a defining characteristic of success . . .

Successful people make decisions quickly and change them very slowly. Unsuccessful people make decisions very slowly and then change them very quickly.

Are you ready to become a CIA? . . . the balls in your court. Make your decision today!

>> You Can INVEST Without Cash or Credit.

Meaning you can buy real estate, lease it, sell it, do whatever the heck you want with it . . . and make big money in the process!

>> You Can Invest WITHOUT CASH or Credit.

Meaning you do not have to have your own cash to invest in real estate. You can negotiate seller financing. You can use OPM (other people’s money).

There are plenty of strategies that can be employed so you don’t use a penny of your own money (this series is gonna teach you all about ’em).

>> You Can Invest WITHOUT cash or CREDIT.

Meaning . . . good credit . . . bad credit . . . whatever, it doesn’t matter . . .

Never once have I been asked for a copy of my credit report from a private money lender. Never once has a seller who owner financed a property to me asked for a copy of my credit report.

CIAs don’t play by the “traditional real estate rules” . . . we use creative strategies that leverage other people’s cash or credit.

Patrick, What’s a CIA?

A CIA is a Creative Investing Architect.

Creative because . . .

. . . the techniques and strategies utilized are not used or even known about by the masses. A traditional real estate transaction uses Realtors and lending institutions. A CIA uses an array of non traditional strategies such as private money, buying property subject to, owner financing, discounting notes, wholesaling, assignments, partnering, etc.

Investing because . . .

. . . well, that’s what we’re doing when we buy, lease, flip, wholesale real estate (this one is pretty self explanatory).

Architect because . . .

. . .  as a CIA, we’re designing deals just like an architect designs buildings. You see, when you meet with a seller for instance, it’s your job to design a deal that suits their needs and goals, but also that makes sense for you, the creative real estate investor. Architects use pencil and pad, CADD and modeling programs to design buildings. CIAs use the creative techniques mentioned above to design deals.

But, there’s more to it than that . . . to truly understand what being a CIA is all about, I need you to do a few things for me . . . (well, really you’ll only be doing these for yourself) . . .

“How to Become a CIA” Action List

Remember what I said in the introduction to the “How to Become a CIA” series about this being a “Training” series . . . meaning that your participation is essential to success. In other words, I expect you to download all the resources given to you. Take action on what you learn. Do the homework assigned. Comment below with your questions, ideas, and suggestions.

Well, the time has come . . . it’s your turn to take action . . .

First, check out my video about “The CIA Manifesto”  . . . then take the following four simple steps . . .

1. Download “The CIA Manifesto: 11 Fundamental Assumptions for Success” (it’s free, it’s cool, everybody’s doing it . . . so hurry up and download the darn thing ok)

2. Print out “The CIA Manifesto”, sign it, date it, and post it on the wall where you can’t not see it everyday (yes all you English majors out there . . . the double negative was intentional) . . . you could post it on your bathroom mirror, car dashboard, the refrigerator, the ceiling above your bed . . .

3. Comment below and PROCLAIM your commitment to becoming a CIA to the world!

4. Earlier this year, I recorded a 56 minute in depth video entitled, “Why Most Beginners Will NEVER Make Money in Real Estate Investing” . . . I cover content in this video that I haven’t taught anywhere else . . . like my P.A.N.T.S Formula for Success . . . I also explain what you need to know, so that you can successfully implement any real estate investing course that you purchase . . .

Watch this video within the next 48 hours . . .

Alright guys and gals, that’s it for now. Four simple action steps to take.

Coming Soon

The next six parts of the “How to Become a CIA” series are going to be stuffed with actionable content, additional resources, and a few surprises along the way . . .

Master Negotiator, Dusty Keefe is going to blow you away with his advanced negotiating tactics (plus, he’s got a cool freebie he’s gonna give away) . . . Having trouble getting your deals financed? Well, I’ll be teaching you how to easily finance your deals with private money in today’s market . . . Stephani Davis will be pulling back the curtain to share the nuts and bolts to wholesaling real estate for quick cash . . . and much much more.

See ya soon . . .

Here are the links to the rest of the series . . .

Intro | Part 2 | Part 3 | Part 4 | Part 5 | Part 6 | Part 7

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Category: Personal Development, Real Estate Investment Buying Strategies, Real Estate Investment Financing Strategies, Tips and Tricks

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Comments (47)

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  1. Angelica says:

    Great start Patrick!!!!!
    As always , training full of content.
    Looking forward for the next part.

  2. William says:

    Mind set is key from the very start.

    Good stuff Patrick!

  3. Charles says:

    Hey Patrick, Great info looking forward to the next chapter. I have done several buy and holds this year and now I want to wholesale deals to other investors like myself. well got to go make some offers now c-ya.

  4. bruce says:

    will not let me print manifesto

  5. Patrick Riddle says:

    Hey Bruce … I looked into the printing problem for you …

    And it’s printing fine from my computer. I also called a friend to have him test it and it printed. I’m not much of a techie at all … best bet may be to try a different computer.

    Thanks for the compliments everybody! I appreciate it and am glad you’re digging the new series.

    Let me know how I can help …

    ~ Patrick

  6. Chandra says:

    Thank you Patrick for all your knowledge and FREEBIES! I think this is great. I have been reading and studying for a year now…eager to do my first deal. I admit it got a liitle overwhelming at times but I am ready!

  7. Anonymous says:


    I think you have a real gift for teaching. It is a little distracting with all the back ground noise.

    You have alot of spirit and enthusiam. It shows in how you communicate. Keep up the good work.

  8. Laura says:

    This is great, Patrick. I’m really looking forward to this whole series. I am most definitely ready to take action and get things done!

  9. Bill says:

    Great stuff Patrick! As always, so full of valuable content. Love the part about “I only listen to people who are where I want to be….” Follows exactly the thoughts of one of my mentors who always reminded me that I needed to “make my decisions from where I wanted to be, not from where I [was].” Excellent! Thanks for the reminder

  10. Lee says:

    Thank you Patrick for all your knowledge and FREE STUFF! I just got my first “yes” from a seller today saying they would sell me their house. And of course, the voices in my head went off saying, “How are you going to pay for it?” I said to myself, I’ll find a way, but after getting your information today it was like a sign. There is no doubt in my mind that God will send the money. There is no more fear, no doubt no worry or concern. Thank you. I look forward to your next classes.

  11. Patrick Riddle says:

    Chandra … I’d like to help you do that 1st deal :) … let me know what questions you have …

    I appreciate the comments ya’ll!

    Congrats Lee! Your comment reminded me of a great quote from Abraham Lincoln, “Determine the thing can and shall be done. Then, we shall find the way.” Let me know when you lock down the financing for your deal …

    ~ Patrick

  12. Kraig says:

    I am a C.I.A. I will close my first deal before this training is over!

  13. Robert says:

    I stand in agreement with Kraig. I am a C.I.A. and I too will create my first profitable transaction during this training period. I have committed to awakening 1 hour earlier each day, and to invest that time into the study and application of this material. Keep up the great work Patrick! I welcome this new journey for which you will be our guide. Peace.

  14. Linda says:

    Patrick, I appreciate that you give so freely to us. I commit myself to taking action to get that first deal done so I can stop bending over for The Man. I am worthy. I belive in myself.

  15. Patrick Riddle says:

    I like the conviction Kraig … Robert … Linda … that’s what I like to hear!

    Thanks George.

    I appreciate everyone being active with comments … that makes it a lot more fun and exciting for me! I love to hear from ya’ll …

    Keep ’em coming!

    ~ Patrick

  16. Marie says:

    What you are doing here for everyone is what I would love to be able to do for others some day. Give back and share with others how to empower their lives. Thank you from the bottom of my heart for being “real” and not having a hidden agenda! I WILL commit to becoming a CIA and I WILL complete my first deal by the end of this series. My Manifesto is signed, dated and tapped to the bathroom mirror with another one shrunken down to carry with me where ever I go.

  17. Chris says:

    As usual, more awesome content. Thank you as always!!!

  18. Jason says:


    I totally agree with you. This fall is going to be incredible. Time to make it happen.
    .-= Jason´s last blog ..Rental Comparables for Atlanta Metro =-.

  19. Patrick Riddle says:

    Marie … way to be a doer. That’s exactly what success looks like … commitment plus massive action!

    Thanks Chris … I’m glad the content is awesome … “as usual.”

    Hey Jason … nice website man :) … I especially like the quote … “How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case.” — Robert G. Allen

    ~ Patrick

  20. Ingrid says:

    Hey Patrick,

    To quote one of my favorite Star Trek characters:

    Saddle up. Lock and load. :)

    Count me in!
    .-= Ingrid´s last blog ..New addition to the family =-.

  21. Keneisha says:

    Great Info. Thanks

  22. Scott says:

    Ok, I know this is way before most of you guys time, so I will give you a clue. “Bonanza”

    “Little Joe!, Haus! Lets ride Boys!”

    I’m in, and I’m ALL CIA!

    Thanks Patrick!


  23. Kraig says:

    Wow! I just watched the P.A.N.T.S. video. Best I have ever seen. I’ve been through so much training, videos, webinars, courses etc. and hands down that is the best I’ve seen. So simple but missing from every program out there. I should have taken your advice and watched it sooner. I won’t let it happen again. Thanks for the great training. Can’t wait to see it again.

  24. Patrick Riddle says:

    Wow … Ingrid … Scott … Star Trek and Bonanza quotes … alright! Glad you guys are in …

    Kraig … that’s quite the compliment! Thanks man …

    ~ Patrick

  25. Tim (ME) says:

    Hey Patrick, and anyone else who may be able to help.
    Finding private investors is my #1 top hurdle. I can find deals all day long, but this cash hurdle is bugging me big time. I have not overcome it…..yet.
    I am investing in REO SFH’s in western PA right now. There is a great market there for undervalued properties that make perfect long term buy and hold rentals. The numbers on these are awesome. Typical deal is a $20k all in investment which generates a $500/mo gross rent. My model is to purchase a house with a cash partner and split the monthly cashflow 50/50. I do all the work, he/she brings the cash. At the end of 5 years, we make a decision to either sell or continue to hold. If we sell, we split the gain 50/50.
    I have yet to buy a house however. Right now I have one under contract, and I’m looking for an investor. I have it on my blog, I have posted the deal several times on Facebook. I have placed an ad on craigslist. I placed a bulletin on I also emailed my entire REIA group about it. My question is, how else can I market this to potential investors? I got one response, someone in the REIA who may be interested. But I want more. Can you give me more ideas on how to market and promote the crap out of this? I even have video of the house on my blog! I need to close 10/14, but I need a committed partner and his/her cash to do it. Thank you so much for any advice.
    .-= Tim (ME)´s last blog ..764 Lathrop Street =-.

  26. Byron says:


    Really enjoyed the PANTS. Good stuff.

    I’m in.


  27. Marsha says:

    Thanks for all the excitement about this.Good info.

  28. Jason says:

    Thanks Patrick for the free training! This is my declaration that I will use the techniques from this series combined with all the other resources I have to make CREI and being a CIA happen for me and my family within the next 4 weeks. Then we’ll have to meet and do lunch to discuss how I made it happen and use that to further encourage those who are desperately trying to escape the “rat race” or simply provide for their family in a better and more stable way. Thanks again Patrick, Dusty, Stephanie and all on here!

  29. Patrick Riddle says:

    Hey Tim … that’s exciting that you’re taking massive action and have a property under contract. It sounds like the only missing piece of the puzzle is financing … check out Part 4 of the CIA series (it will be live today) … it’s on private money and may give you some good ideas/resources for getting that deal financed. After you study Part 4, feel free to email me with any further questions on your immediate action steps …

    Byron … Marsha … glad you guys are enjoying the info :)

    Jason … That’s what I like to hear my man! It’s time for you to make some things happen. And I’d love to meet over lunch to discuss how you did it … bring it on!

    Keep the comments and questions coming … thanks!

    ~ Patrick

  30. YOLANDA says:

    Patrick……you are my hero and video mentor…know that you are wealth of information to me as a newbee…thanks again

  31. Patrick Riddle says:

    Wow … thanks Yolanda … that’s quite the compliment :)

    ~ Patrick

  32. sue says:

    Hi Patrick, just came across your website and I have learned more with your series of training videos,since I started back in Feb. Still haven’t done a deal yet but after watching your videos and learning on how to become on CIA, i think im ready to jump in feet first. Thank You again for your videos and all your freebies. sue

  33. gary g says:

    I am committed to becoming a CIA. This is exactly what I’ve needed. Thanks again.

  34. Chauncey says:

    I herewith PROCLAIM my goal to become a recognized CIA by
    sstudying and acting upon every bit of advice received in
    this fr*ee 7 step course.
    Thank you more than you can imagine.
    I am truly grateful for your wise guidance.


  35. Alphonso says:

    I’m in I commit. Thanks alot for this content.

  36. Chris says:

    Hey Patrick,

    2010 is gonna be my year! I am new to this whole Real Estate investing and people have always told me that investing in real estate is not a good right now. Well, your videos and website have inspired me to become the best CIA…I hope. I will only listen to people who are where I want to be! Well said my friend. Keep up the good job!

    Time to take action!

  37. Kurt Wells says:

    Thanks for all of the great content and videos. I have signed my CIA Manifesto and am on my way!

    Thank You!


  38. Patrick Riddle says:

    Hey Sue … great to hear! Now get out there and close that first deal :-)

    Gary, Chauncey, Alphonso, Chris, Kurt … glad to have all of your on board.

    Let me know how I can help y’all out. I’m here for you.

    ~ P-Rid

  39. John says:

    I was introduced to your site yesterday. I PROMISE I will follow the 11 Fundamental Assumptions for Success!

    Bring it on!


  40. Patrick Riddle says:

    That’s what I like to hear John.

    And don’t worry … I’ll bring it :-)

    ~ P-Rid

  41. leo says:

    Hi Patrick,
    Thanks for all the GREAT information. Yes, I am committed to the CIA Manifesto.


  42. Patrick Riddle says:

    Yo Leo … you’re welcome. That’s awesome to hear that you’re committed to the Manifesto!.


    ~ P-Rid

  43. victor says:

    Very good information, to use right away.
    I just finisched the first 28 minutes. until the accountability part.
    Thank You Patrick to share with us this.


  44. victor says:

    Thank You Patrick,

    Excelent information, what I like most was about networking and goals vs planing.

    Right now there not excuses to no start right away.

    Thank You

  45. Mary says:

    Great info as usual. I am excited to look at the Manifesto and get going. Thank you again and keep up the good work!

    • patrickriddle says:

      Hey Mary, you’re welcome :-)

      As you implement what you learn in the CIA series, toss any questions you have in the comment area… and let me know how I can help.

      – Patrick