Bob Zachmeier wrote "Who Needs the BANK?" for those who can't live on the low interest banks pay, can't risk the volatility of the stock market, and don't want the tenant and toilet hassle of being a landlord. In this book you'll learn to earn 5 to 50 times more than banks pay with consistent "mailbox money" on secure investments backed assets you can drive by and people you can meet in your own community

Banks decline 30% of the borrowers who apply for a loan, including many self-employed business owners, the hardest working people in America These people have above average income, assets, down payment, and work ethic but can't get a mortgage from banks because they earn their income in spurts.

Real estate notes have been the best kept secret of bankers since the middle ages. Notes offer security, predictable income, and substantially higher yields than other investments pay. There's a reason banks own the tallest buildings in cities around the world

When you own the paper instead the property you'll receive the high returns of real estate investments without the taxes, insurance, repairs, maintenance, vacancy, liability, or tenants that come with owning.

Retirees all over the country have found real estate notes to be an excellent way to diversify, earn above market returns, and consistent, long-term income. The stories in this book will appeal to people of all ages and walks of life. Zachmeier's unique writing style makes this complex topic easy to understand.