Testimonials

Jeff & Geri K. - "THANK YOU Billy for sharing your system with us!"

Jeff and I purchased a house to fix and sell this spring, we gave the house to a Realtor to sell, but after 90 days, she had little or no activity. We decided to pull the listing from her and use the system Billy taught us, lease/option and owner financing. We put out three signs, two went on the property and one we put on the highway near the house. As we were hammering the stakes into the yard, we actually had two couples stop by and look at the property….this was more activity than the realtor ever had! We also had tons of phone calls and in less than three days we agreed to a six month lease/purchase contract, received $3,000 in non-refundable option money, established three more option payment dates and amounts, and agreed to owner financing at the end of the lease on the house. The new owners are self employed and already own a house in Texas, which they currently lease to another couple.

Our phone keeps ringing and we are creating a great data base of potential buyers as we are actively looking for more houses to purchase….THANK YOU Billy for sharing your system with us!

Steve & Linda L. - "We just want to say the program works!"

About a year ago my wife, Linda, and I attended the Righteously Rich Seminar. We had heard your ad on the radio (WVFJ) and wondered if this was what God had for us. We bought the Home Study course and followed the directions to the "T". It has taken us a while but we just recently bought our first two properties.

The first was an elderly lady who was anxious to sell in order to move into a retirement community. She had listed her property for $118,000 with a broker, but it had not sold and she was very anxious. Since it was our first purchase we were extremely nervous but, at the same time, we knew God was in it. He literally walked us through it every step of the way. We had this knowing that we were doing His will.

We made an initial offer of $75,000. Her son, who was assisting her in the process, nearly went ballistic. After we were able to calm him down, they said they would take $95,000. After a period of silence, I offered $90,000 and they accepted. The property appraised for $130,000 subject to cosmetic repairs. We walked away from the closing table with over $14,534. We expect to lease option it for +/- $139,000. Very quickly one of her friends called and wanted us to buy his house, too. She had given us a good recommendation. Soon we had two properties. We bought this one for $60,000. It appraised for $98,000 subject to cosmetic repairs and, again, we walked away from the closing table with $13,450.

We had planned to spend $5,000-$7,500 on improvements and expected to lease option it for +/- $109,000; however, we have a very interested buyer who wants to discuss a work equity arrangement, so we'll see how that works out!

We just want to say that this program works! Just do your homework and follow Billy's directions. Go for it! You can do it!

Joel D. - "The System works flawlessly!!"

Proverbs 25:2, "To conceal a matter is the glory of the Lord, To search out a matter is the glory of kings."

Well, all I can say is that you guys at UV have done just that. “The System” works great. I bought a house using “the system.” It happened just like you said it would! How did you guys come up with such great stuff? Thank you, UV!! How would I ever have known to do this if someone like you guys didn’t say “just do it!”

In November 2006 I bought a house subject to the existing financing. I paid $122,500 for this house which was worth $155,000. In April 2007 I owner financed this house to a nice couple who will take care of it for $152,500 with $2500 down. The end result is that I am now receiving $325 per month in positive cash flow with $19,500 in back end equity. If the tenant buyer refinances with a primary lender any time soon, I get the $19,500. If the purchasers keep the owner financing in place for the full term, I make $117,500 in interest and equity. Not bad for a first shot out of the box, but that’s peanuts compared to what is to come.

I really thank you guys for opening my eyes to the possibilities right before me. I am an architect and already knew lots of this stuff, but I was not looking at the picture from the correct perspective. I had to BREAK SOME STRONGHOLDS in my thinking, AND TAKE ACTION. “The System” worked flawlessly. I would recommend “The System” to any of my friends or acquaintances, even to seasoned investors. It is a good run down on all the basics, which is the best place to start. It’s just good stuff.

Chris E. - "God is providing great real estate returns!!!"

God is providing me with great real estate returns!!!!! I purchased a flood damaged house by short sale in 11/2006. I made $10,000 in repairs to home (roof and dry-in mainly). I sold house as is to individual wanting to do repairs sweat equity in 6/07 The amount of my profit check is $58,000!!! This money went to my ROTH IRA and will never be taxed. My return on investment is nearly 55% just on this. If an investor can do 3 of these a year he/she could have a sizeable retirement fund in only 5 years.

Tom W. - "This year I had the courage to put away my construction tools and start making real money."

I could write a book on real estate adventures in my life time. I’ve been up and down in the business for about 25 years. Somehow I was never able to capitalize on all the benefits of owning and controlling real estate. I knew I had to go to the next level if I was going to be successful in this business. I moved to Florida 4 years ago with no car, and no house. My wife and I lived in a travel trailer for 2 years. I was able to purchase a few pieces of real estate with the help of a dear friend here in Panama City. I was involved in the weekly rental business for 2 years and it was the beginning of a new start for us.

I remember when things really began to change for us. I was standing of all places in our church on a Sunday morning asking God what I must do to go to the next level. Call me crazy but I heard a voice deep inside of me say CALL BILLY O’NEAL. I came home from church to check my e-mail and there was a message from Billy concerning a new mentoring program that he was offering. He was going to select 10 people to work with and I knew I had to be one of them. I now own the websites the entire program and I am fully enveloped in buying and selling and going forward through Billy’s Mentoring program. This year I had the courage to put up my hammer and tools and start making real money. (Billy’s encouragement)

I just purchased a small house for $50,000 dollars that is being renovated completely and will appraise out at $139,000 to $159,000 when finished for a total investment of $85,000. That’s serious money. I’m working on a few more deals as I am writing this testimonial.

You only get your monies worth if you are a serious person and you only get your monies worth if you work with people of integrity and that describes Billy O’Neal to a tee.

David K. - "We left the closing table with $17,000 on our first deal!"

We finally started using your system after buying 3 foreclosed that were fast rehab jobs. We are in the middle of flipping 1 and using your owner finance method on the other 2. Plus we are buying #4 with owner financing…so I would say “yes” the system works! We are looking forward to buying houses Subject To in the future, but we just figured we would start by using our credit and picking up some quick $.

By the way did I mention the line of credit that I got at a mortgage? We get a rehab loan then refi to a permanent loan. Seems to work. We have done all of this with no money out of our pocket!

With the first house we left the closing table with $17,000 and in two weeks we closed another $11,000. Thanks for all the incredibly profitable hints!

Don W. - "I secured private lending...leaving me with $36k equity"

I noticed a house in need of repair in Powder Springs and found out the owner was willing to sell. We estimate repairs at $15-$20k and the ARV at $139k . We offered $77k as is. After a few days she called back and said she would take $77k if we could close in 3 weeks.

I secured funding through a private lender for the purchase price plus repairs.

We have approximately $103k in the house including all closing costs and the cost of money. That leaves us with $36k in equity, potential rental income, and a great investment home! This system really does work if you stay in the game.

Jose N. - "I give thanks to GOD everyday for the blessing of having Billy as my mentor."

I have been a Real Estate Broker for 7 years, 2 years working in the Puerto Rico market and 5 working here in Georgia. In the past 2 years I have been trying to invest in properties, but I was doing it in the traditional method. These transactions commonly required that you put from 5% to 10% down payment into the deal.

Last year I respond to an invitation to attend the Righteously Rich seminar with Billy O'Neal. He opened my eyes to a different way of investing that didn’t require putting out any of my own money on closing table. I bought the home study system and eventually I enrolled in the mentoring program with Billy O'Neal. I give thanks to GOD everyday for the blessing of having Billy as my mentor. This is a great Mentoring Program. Billy helps me to clarify all my doubts and walks with me step-by-step in all the transaction negotiations. Not to mention that he was with me in my first closing. It was really GREAT!

Two weeks ago I sold my former residence on an Owner Financing transaction and I left from the closing table with $11,000! And I still have $40,000 of equity in the property and $600.00 monthly positive cash flow. I said MONTHLY. Wow!!!

Yesterday I close my first Subject To deal. The couple was getting a divorce and neither of them wanted the house. The husband called me to get advice, and I was able to explain to him the benefits of Subject To over foreclosure. The payoff is $109,000 and appraisal will easily be $155,000 with approximately $7,000 dollars of repairs. That leaves approximately $40,000 of equity in that property.

I unconditionally recommend the mentoring program to everyone that wants to be successful in the investment market. Be Blessed!!!

Rhonda K. - "$73,000 in equity! Plus custody of my nephews."

I have a testimony ... I am just excited about how good our GOD is!

My brother lost his kids to DFCS a little over 3 years ago. I have always loved them so much! I wanted to do anything in my power to help them. Well, 2 years ago God showed me that I would have custody of my two nephews. My dad and his wife had custody of the boys and I talked to him about getting custody for a while with much resistance from him. Finally, I just gave it to God. My dad called out of the blue one day and asked me if I still wanted custody of them and of course I said "yes." They are coming to live with us in June after school gets out.

So what does that have to do with houses? Read on...

My dad and I purchased the house I am living in during in the month of February. This house is plenty big enough for 5 kids. We borrowed 80% of the appraised value ($213k) from a hard money lender. We got $12k cash back at closing to fix up the house. We had to do a refinance within 30 days so we had saved $1500.00 for the second closing. The mortgage guy called and said we only had to bring $749.00 to the closing. We get there and actually got $691.00 back instead of having to pay anything! And the second appraisal came back at $228k instead of $213k. So, I haven't paid mortgage for February, March and my April payment is in the bank and I only have to come up with $400.00 for the May payment! Then in June I will have another $800.00 per month to pay the mortgage. So I ended up with a $228,000 home for $155,000! $73,000 worth of equity! Plus custody of my nephews.

God is so awesome. With HIM all things are possible!

I just thought you might like to hear some of how your helping me is still helping me! Thank you so much Billy for believing in me and being obedient to the Lord.

Don W. - "Those signs really do work!"

Everyone says that those "WE BUY HOUSES" signs are tacky and will never work, but Billy was right...THEY DO WORK!

A man called us from our signs and said he had a 4 sided brick house on .5 acres of commercial land in Powder Springs. It needed around $10k in repairs, so we offered $100k. The appraisal came back at a conservative $155, 000.00, leaving us with $45k in equity...plus there is already a tenant!

So much for what "everyone" says will or will not work. That just proves you've got to be careful who you listen to..

Daryl & Kim G. - "...there's truly no limit to what men & women of God can do."

Personal experience has taught me to be skeptical of claims that sound too good to be true. So over the years I have filled my wastebasket with all sorts of advertisements claiming to hold the secrets to successful investing and long-term wealth. Like most people, I’ve ignored countless opportunities to start my own business, settling instead for the usual method of trading hours for dollars in a full time job working for someone else.

Now don’t get me wrong; God has blessed me with a wonderful job making great money in a field that I really enjoy. But the fact remains that as my income has risen, my assets have not. The more I made, the heavier my tax burden became and the smaller the percentage of income I retained. Regardless of how many hours I worked or how large my bonus check was, I was no closer to financial freedom than I was ten years ago.

So when Billy hosted the first Righteously Rich Through Real Estate Investing seminar a few months ago, I decided to go and see if this might just be the opportunity that God wanted us to take advantage of. I had already heard of some incredible success stories, but the thing that made the difference is that the people sharing their testimonies were people I knew and respected rather than actors on TV who were trying to sell a product. The truth is that I have been privileged and honored to have known Billy before he got involved in real estate, and have known him to be a man of integrity and excellence of character. So by the time the seminar was over with, my wife Kim and I had been firmly convinced that God has in fact provided this man with uncommon wisdom and a heart to share it with others. We immediately bought the Home Study system, and shortly afterwards purchased their professionally designed website package as well.

The result? We spent a few months studying each of the four volumes and properly educating ourselves before finally putting our first “we buy houses” signs in the ground about two months ago. It amazed us that the people responding to these signs would in fact gladly give us the deeds to their houses with no money down, and yet we were walking away from the deals because they didn’t match the formula Billy recommend. After about 4 weeks of patience, we got signed contracts on two separate properties within a 48-hour time period. The first house was a “subject to” purchase in which we were able to save the credit rating of the seller by purchasing the house quickly and preventing it from going into foreclosure. After factoring in some cash to seller and repairs, we ended up with up-front equity of about $22,000. The other property was a beautiful home that needed carpet and minor touch ups. We purchased it directly from the bank using Billy’s formula. After getting the bank to drop their already below-market value asking price by an additional $16,000 and negotiating for the bank to repaint the home’s interior, we walked into the deal with $40,000 in equity.

The beautiful part is that there’s truly no limit to what men and women of God can do by following this system. If someone at Trinity Chapel is faithful in tithes and offerings and wants to operate according to the principles of kingdom wealth, I encourage them to prayerfully consider taking a step of faith and adding their names to the growing list of Christian investors whose lives and financial outlooks are being radically changed through the same supernatural wisdom that turned Billy O’Neal into a millionaire in three short years. If we can buy two houses after just a few weeks of active advertising and receive $62,000 in free equity, then I’d say that everything these guys have said is right on the money.

Joel J. - "We are so thankful God brought Billy into our lives..."

"As one of the directors of an international ministry I keep a very full schedule, traveling and ministering in different parts of the US, and the world. When the Lord called my wife and I into full-time ministry, living as missionaries raising our support, we stepped out in faith, uncertain of exactly how He was going to meet our needs. We are so thankful that He brought Billy O'Neal into our lives, because God is using Billy's faith-based wisdom and financial expertise not only as one way to meet our needs, but also to really change our lives. Through their Righteously Rich™ Through Real Estate Investing system, Billy had helped my wife and I unlock hidden wealth that we are now using to strengthen our family's financial future. I know that because of the excellent teaching that Billy provides, we are on out way to financial freedom! I recommend Righteously Rich™ Through Real Estate Investing to anyone who wants to break out of the debt grind, build wealth for the future, and become financially free."

Jared J. - " I currently rent this property out & profit $1,000/mo..."

My story is pretty simple. At the age of twenty one I was married, working forty hours a week and spending an additional ten-twelve hours a week trying to finish school. I had a desire to invest in real estate, but I thought that my age and busy lifestyle would limit my desire to a dream and not a reality. However, I knew that there would never be a perfect time to start investing so I decided to take a leap of faith and purchase my first home.

After living in that home for about a year and a half we moved. During that time I met Billy and started learning more about how to invest in real estate and how to make the most off of the property that I already owned. I studied under Billy and learned as much as I could and before I knew it I had learned concepts that were absolutely invaluable.

Within two years after meeting Billy I sold my house with owner financing. I received a down payment of $20,000 and currently make about $350 in positive cash-flow with an additional $30,000 in equity. I bought another home for $67,000 that appraised for $110,000. I owner financed that property as well and made $6,250 down, $400 a month in positive cash-flow and kept about 20,000 in equity.

My most recent investment was a house with an additional in law suite attached to it. The in law suite has an upstairs apartment and a downstairs apartment. The property appraised for $253,000 and I bought it for $202,000. I currently rent this property out and profit $1,000 a month and get to keep all $51,000 in equity. Furthermore, by using Righteously Rich’s strategies, I found a lender that gave me all $202,000 to purchase the house so that I never had to use a bank. From now on, all of my properties can be bought within seven days and I’ll never have to use a bank again.

Righteously Rich™ Through Real Estate Investing is a system that not only teaches you the fundamentals of real estate, but guides you through the entire process step by step. I would encourage anyone, no matter what age or level of experience, to invest in this system. If a 23-year old married college student can have this much success in two years, then just imagine what you could do!

Brandon C. - "...I realized the curse of lack was broken off my life."

"Growing up I was always told to be careful with money. Observing how well this philosophy worked for my parents, I decided there was no way I was going to live paycheck to paycheck like them. God allowed me to come in contact with Billy O'Neal and my life has not been the same since. He opened my eyes to another way of looking at life and finances, and showed me how I could get involved in real estate. I began to believe there was a different way to live and that I could do something big. I had a deal that crossed my path and I just went out on faith that I was going to buy this house and find someone to purchase or lease option it. I closed on the house and there it was, sitting empty waiting to have a family’s dream come true.

I was walking across a bridge in Romania on a mission trip 4500 miles away when I found out the good news that someone had lease optioned the house, just ten days before my first payment was due. It was at that moment I realized the generational curse of lack was broken off of my life. I purchased the house for $125,000. I received $4,000 at the closing and sold the house for $169,900. Not bad for a first deal to gross $45,000. I now have a positive cash flow of $400 a month. I am 24 years old and with the help of Billy and the Righteously Rich™ Real Estate System, I am on my way to becoming financially free by 27 and a millionaire by 30."

Tim & Bonnie G. - "It is truly a life changing experience"

"My name is Tim Gray and I just want to tell you my story. In February 2006 my wife and I found our dream home. I had in my mind that it was almost unattainable. But then God exposed Billy's heart to my family. During dinner one night Billy asked me a question. He said, "Tim, is this a house or a home place?" I said, "Yes, it's a home place!" He said, "Then buy it!" Since then he has shown me just how easy this adventure can be. As of today, I am buying this house and have a lease/purchase agreement on my old house that is going to net me income around $250/300 per month! Also, my wife and I are excited about doing the same thing with another house right now!"

All I can say is thank you Billy and Righteously Rich for all you have done for us. It is truly a life changing experience! Don't let the "dream killers" blind your vision! If we can do it, so can you!! My financial freedom is just around the corner!

Your Covenant Brother & Sister, Tim & Bonnie Gray

PS. This all has happened with a credit score of under 600! Praise God!

Brian & Tracie C. - "Their system really works!"

“We had upgraded into a new home in a Country Club community, so we had to do something with the house we were moving out of. After hooking up with Billy O'Neal and purchasing the Righteously Rich ™ through Real Estate System, we decided we didn’t want to sell our house the traditional way. We used their techniques of lease optioning the house and came out much better.

We placed a newspaper ad along with road signs as they showed us how to do, and we found a tenant/buyer within two weeks from the ad. Our existing loan balance is $130,000, and our lease option price is $170,000 with a $3,000 up-front option fee. Our outgoing loan payment is $800, and our monthly lease payment is $1,100, giving us $300 a month, and a back-end of almost $50,000. Their system really works!”

Randy & Kristin W. - "within two weeks we had sold...and got a down payment of $14,000"

“We had a house in Tennessee that we had rented since we moved from there two years ago. We had decided to sell it when the renters moved out in December. We had put it on the market for a few months and had very little interest, so we even thought about cutting the price to just move the burden. Then we were introduced to Unlimited Vessels and decided to owner finance as part of our real estate training.

Within two weeks we had sold, owner financed, and got a down payment of $14,000 dollars. Deal finished. Now let’s look at how this deal took on a different perspective when done a non-conventional way.

BEFORE: house with a $141,000 appraisal, $107,000 note, payment at $607, we were having trouble getting $135,000 offers. Sell it at $135,000, make $28,000, finished.

WITH UNLIMITED VESSELS TRAINING: sell it at $140,900, owner finance it at 8.75% for 30 years with a payment to us of $997.00. We now make $390 a month over our payment, and over 30 years make a total of $372,920 in payments plus $14,000 in down payment. Total of $386,920. Subtract our debt of $146,880 and we have a profit of $240,040!

It doesn’t take a rocket scientist to figure this out. And this is just one deal! We are now looking for our next deal. Thank you, Billy for your help and we look forward to the rest of 2006.”