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Z-LAW SOFTWARE, INC.
Real Estate Software
Specialists Since 1991


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Quality Tools to Save You
Time, Money, and Ensure
Your Success in Real Estate

"Your catalog is priceless for my
students as well as myself."
 
Helen Piovesan, Real Estate
Trainer, East Norwich, NY

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FINANCING

  • See also Getting Financing and Developing Land and The Lease Purchase Handbook.
  • To file for bankruptcy without an attorney see The New Bankruptcy Kit.
  • To obtain financing for your business see Real Estate Business Plans.

    Personal Financial Statement
    A Professional Report Instantly

    Don't you hate filling out and updating your personal financial statement? But you need one for virtually every loan application. And many commercial lenders require you to submit an updated statement every year. This new program makes this tedious paperwork a thing of the past. And the professional presentation it prepares is sure to impress your lenders and investors.

    It couldn't be easier to use. Simply enter all your assets and liabilities in the appropriate fields. Extremely flexible, you can enter multiple properties owned (up to 30!) and even multiple partnerships. Automatic math calculations enhance speed and accuracy. Just click one button and a beautifully formatted presentation comes out of your printer. Changes and updates are a breeze. Just make your changes and print out a new statement.

    Includes unlimited free technical support (that you're certain never to need) and no risk 30 day money-back guarantee. This program will save you tons of time. Requires MS Excel (not included). See also Real Estate Investment Analysis. Call now for additional information and sample statement.

    For sample screen shots of this program, Click Here

    Requirements: Windows: Any IBM PC or compatible computer running Windows 3.1/95/98/2000/XP/NT/Vista or later with Microsoft Excel ('97 or later), any printer. Mac: Any Macintosh computer running Microsoft Excel ('97 or later), any printer.

    PFST Only $79.95


    Credit Repair
    Protect Your Financial Future

    When was the last time you reviewed your credit report? Do you even know how? Is everything completely accurate? And if it reveals negative marks or errors (and most do), do you know how to correct them? Do you know how to protect yourself from rampant credit fraud and identity theft that can destroy your credit? No worries. This one-of-a-kind program includes everything you'll need to turn bad credit, or no credit, into Triple-A credit! And even if your credit is OK, it will show you how to get even more credit. Increase your own credit score as well as that of your clients. Don't be surprised if your credit score increases by as much as 100 points or more!

    This is a must for every consumer, business or investor, especially if you've ever been refused credit. Extremely easy to use, your program includes fill-in-the-blank forms with detailed instructions on how and when to use them. It's loaded with tips and secrets on the entire credit process. And it includes all the professionally-written and real-world tested letters you'll need to build (or re-build) your credit.

    Your program includes: Request for Credit Report; Request for Addition of Supplementary Credit History Information; Letter to Delete Inquiries; Request to Delete Account; Request to Merge Inquiry with Account; Request to Update Account; Creditor Settlement Agreement; Consumer Statement; Demand for Corrected Credit Report; Explanation for Delinquent Payment; Reminder to Respond; and much more!

    Includes user manual on CD, context-sensitive help, free technical support, and no risk 30 day money-back guarantee. Don't let bad credit (or someone else's errors) stand in the way of your financial future. Call today and start qualifying for larger loans and lower interest rates.

    Requirements: Windows: IBM PC or compatible 486 or higher, Windows 98/2000/ME/NT/XP/Vista or later, 16MB RAM, CD-ROM drive, any Windows compatible printer.

    CRED Only $79.95


    Seller Financing
    Sell Your Houses up to 70% Faster!

    In today's challenging underwriting market, conventional lending hurdles cost time and limit your pool of potential buyers. Now, this one-of-a-kind package shows you proven techniques to selling your properties far faster by offering seller-financing. You'll learn how to create the best note possible - one that maximizes the resale value and protects your investment! You'll also learn all the pitfalls to avoid.

    Discover the secrets that the most successful real estate investors use to effectively close more deals in less time. You'll also learn proven strategies for selling your notes to unlock capital for your next deal. Learn from the best...Eddie Speed. With a lifetime volume of seller-financed notes topping $400 million, the author has seen (and teaches you) just about every scenario.

    You'll get the true insider secrets on:

  • How to best structure your notes - contract for deed or conventional closing
  • How to create the "right" note and maximize its resale value
  • How to close more deals faster
  • What is "seasoning" and what difference does it make
  • How to screen buyers and select the right ones for maximum resale value
  • Finding legitimate candidates for seller-financing and avoiding the rest
  • Credit score requirements and their impact on your investment
  • Legal and financial issues for creating and servicing your notes
  • How to effectively deal with default to protect your investment, and much more

    Includes five (5) audio CDs of one of the author's live presentations, printed transcript with questions and answers, and printed transcript in binder. If you want to not just survive but thrive in today's market, you must include seller financing in your marketing toolkit. To service your notes see NoteSmith. If you aren't convinced this package will help you sell your properties faster and with less headaches, simply return it within 30 days for a full refund. Reserve yours now.

    "I cannot think of a better way for people to learn the do's and don'ts of [seller financing]." Ken D'Angelo, CEO, HomeVestors of America, Inc.

    Requirements: Any audio CD player.

    SFIN Only $127 (List $149)


    Alternative Real Estate Financing
    No Cash? No Credit? No Problem!

    In today's challenging lending environment, qualifying for loans the conventional way may not be an option. Investors need a lot more choices than just relying on the banks. Are you a beginning investor and have limited funds, experience, or ability to qualify for financing? Then this is the program for you. Finally, a comprehensive course on how to acquire real estate and build wealth with little or no cash, credit, or personal liability.

    This is no "get rich quick" package. Just lots of creative, practical, and step-by-step advice from one of the nation's leading attorneys that you can put to use right away. You'll learn all the secrets and real-life techniques the professionals use, plus the pitfalls to avoid. Also included are all the legal forms on CD you'll need to complete your deals profitably and protect your interests.

    You'll learn, step-by-step, how to:

  • Use 15 "nothing down" formulas that work in today's market, even yours
  • Get around lender "20% down payment" rules
  • Buy properties using "subject to" transfers, including the land trust assignment
  • Structure land contracts for maximum profit and least risk
  • Create leverage with partners' credit and money
  • Profit with over-financed properties
  • Raise cash using subordination and substitution of collateral
  • Create immediate cash flow and equity with lease/options
  • Structure wraparound mortgages for lifetime cash flow
  • Discount mortgages and liens for fast cash
  • Use the only proven ways to succeed with foreclosures in today's competitive market
  • Use proven ways to avoid "due on sale" clauses and create assumable loans
  • Save legal fees by drafting your own contracts, deeds, notes and mortgages
  • Use land trusts, 1031 exchanges, and IRAs for maximum tax savings and leverage
  • Exploit secrets about VA loans most bankers don't even know
  • Make interest on borrowed money, just like the banks
  • Avoid common (and uncommon) pitfalls and protect yourself from personal liability

    Your comprehensive 224 page manual is loaded with tips, practical advice, and detailed "do-it-yourself" instructions. You'll also receive audio CDs and instructional DVDs recorded from one of the author's live seminars. And the included software features all the deal-tested legal forms you'll need to quickly and easily finalize any transaction (supplied in ASCII and MS Word formats). All documents may be easily customized.

    Includes dozens of ready-to-use legal forms, such as: sales contracts, deeds, installment land contracts, lease/options, mortgages, and more. If you're serious about succeeding in real estate using little or none of your own money, you can't afford not to get this package. Sorry, not valid in Texas. See also Lease Purchase Handbook and FLIPPING. No risk 30 day money back guarantee. Call now.

    "Just a couple of these techniques have helped me add an extra $11,000 to my income each month, on average." Richard Roop, Investor, Colorado Springs, CO

    Requirements: Windows: Any IBM PC or compatible with Microsoft Word, WordPerfect, or any other word processor that can read ASCII, CD-ROM drive, any Windows printer. Audio CD player required for audio CDs.

    AREF Only $345 (List $395)



    Every year over 4 million people get free grants from the government to invest in real estate. Shouldn't you be one of them? Grants usually range from $1,000 to $5,000,000 each. You can use this money to buy a home, invest in real estate, start or expand your business, or any one of numerous other purposes. The best part is, unlike a loan, you never have to pay it back! You don't need a job, and there are never any credit checks! Paperwork is kept at a minimum and you can be approved in 30-90 days for most programs. This is the best kept secret nobody knows about.

    There are currently over 75,000 programs available from state, federal and local governmental agencies and private and non-profit entities. And you can apply for as many as you like! Most people are unaware of these programs because they are not well publicized. In fact, millions of dollars each year goes back to state and federal treasuries because nobody applied for these funds!

    This new CD makes it incredibly easy for you to get your share of this cash. It's loaded with simple, step-by-step instructions and packed with over 600 pages of tips, secrets and free software to make your grant proposals successful.

    Your updated CD includes all this:

    • Entire catalog of Federal and Domestic Assistance (over 2300 pages)
    • Comprehensive listing of grant resources and publications
    • Over 20 sample business plans to guide you
    • State agencies, addresses, and websites for all 50 states
    • Standard SF-424 Application for Federal Assistance ready to fill out and submit
    • Free grant-writing software tutorial to make creating your proposals a breeze
    • Tons of free bonus material on foreclosure and "no money down" investments
    • Glossary of grant terminology, and so much more!

    Reserve your copy now and get your share of free money. If you don't, somebody else will! No risk 30 day money-back guarantee.

    Requirements: Windows: IBM PC and compatible, Windows 95/98/2000/ME/NT/XP/Vista or later, CD-ROM drive.

    GRNT Only $59.95


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    We offer real estate agent software and Realtor software, loan servicing software, rental property management software, real estate investment analysis software, landlord and tenant software, contract preparation software, real estate marketing software, escrow and transaction coordinator software, real estate broker software, BPO software, policies and procedures manual, closing software and real estate license exam prep software, we believe at the most reasonable prices you will find anywhere.

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