Ed Garcia has been a lender and investor since 1968. He is the CEO of American Heritage Financial Corporation, located in Rancho Cucamonga, California. Ed is also affiliated with Independent Mortgage Company and has the ability to make loans in 42 states. In addition to his financial background, he is also a seasoned real estate investor. His current holdings include two distribution warehouses located in Columbus, Ohio, as well as other commercial and residential holdings in California.

Ed Garcia along with Terry Vaughn help real estate investors learn how to get bank lines of credit to finance real estate investments.  Ed Garcia’s philosophy on real estate investment is simple, first, evaluate how much time you can commit to real estate investing and second, go on the street to learn about deals.  By getting out and learning it first hand you learn the market, meet people (network), learn the demographics of your geographical area, and you won’t procrastinate until later.

Garcia offers five steps to get started.  (1) set a goal of how much you want to make and go for it. (2) Learn property values; do comparable sales shopping to get a good idea, (3) Figure your profit after deferred maintenance cost. (4) Have a game plan in mind- Do I want to fix it and sell it? Do I want to keep it long term or short term? This part is vital to your success in investing. And (5) Financing, you have to know how you are going to create a seller carry back and use a lender to give the seller some money.  There a many combinations so pay attention to all options. Ed Garcia has a well-thought-out system for getting the best bank lines of credit for real estate investing.  His methods are sound and well practiced by himself over the years.