Although you may have heard that if you drive a red car you will pay higher rates but this is not true. It is a myth. GEICO, USAA (For Military Only), and Allstate, to name a few, don't even ask what color car you drive when you apply for a quote. And your VIN number doesn't give this info either.

If you have one car and three drivers you will pay more because that car will get used alot more than if you had only 1 driver and 1 car.

If you have had a poor payment history or your policy has cancelled due to non payment you will have higher rates when you try to reapply for insurance.

The higher your insurance credit score better. The insurance credit score is similar to your FICO credit score such that higher your FICO score lower your interest rate and higher your insurance credit score lower your insurance premium.

Your claims history will affect you for a minimum of 3 years. If you have filed a claimed or if you even mentioned a claim to your insurance company it can and most likely will affect your rates.

By using techniques in his course, you can purchase properties with no down payment, but some of most important factors that I personally learned from his course are you need:

- To find motivated & flexible sellers

- To only purchase properties with a potential for increased value

- To be successful, remember that it's a ‘numbers’ game. You may need to review 15-25 properties, research 3-7 in depth, make offers on 2-4 and eventually purchase 1.

- If you're not embarrassed about your offering price, then you're probably offering too much.

I have purchased 4 investment properties and will be purchasing more in near future. His course not only provides details and techniques to make you successful, but his No Down Payment course provides motivation to get going, take Action and move towards a more financially secure future for both you and your family.

Normally, I am a skeptic of these types of success programs, but I can sincerely state that I’ve applied many of techniques in his program. The one that I will probably not personally use (but may work for you) is section on purchasing mobile homes. Since mobile home depreciate (vs. normal real estate appreciation), you will need to be very knowledgeable in this area to be successful.

Carleton Sheets’ No Down Payment course is fairly expensive, but with all information he provides, it is worth price. Similar to other expensive courses, it becomes easy to justify by putting it in terms of an annual cost that you would divide down to a daily cost. After trial period, cost works out to be less than $1.00 a day (small bag of french fries, can of pop, etc) and you can have a complete course that will get you motivated to become a real estate investor by providing techniques that can easily be implemented by most anyone.

This product review is opinion of one of staff members of Your-Key-to-Success.com and does not represent opinion of Your-Key-to-Success.com.