®

The No-Nonsense Guide

To Real Estate Money
Spinning Business
 Copyright @2020 by Dr. Freeman Osonuga

The right of Dr. Freeman Osonuga to be identified as the author of this work has
been asserted by him in accordance with the copyright laws.
All rights reserved. No part of this publication may be reproduced, transmitted, or
stored in a retrieval system, in any form or by any means, without the permission in
writing from the copyright holder.

Harmony Publishing
Plot 1 Emmanuel Anabor Street, Off Mopo Road, United Estate,
Sangotedo, Lagos, Nigeria
Tel: +2347032212481
publish@harmonypublishing.com.ng

PRINT MONEY WITH ZERO CAPITAL™ is a registered trademark of

The Freeman Osonuga Company

Book Cover Design, Layout, Illustration and Editing:

Harmony Publishing

Cover and Author Image:

Akinola Adeyinka Photography

ISBN 978-1-0052-4625-9

Fineprint

The information contained in this book is simply for education and general in nature
for informative purposes only. It is based on the author’s acquired knowledge of the
real estate industry, personal experience, and extensive research.
The author is not a lawyer, accountant or a professional financial advisor. This book
therefore does not replace legal, accounting or other professional services.
The author assumes no responsibility whatsoever under any circumstances for any
action(s) taken as a result of the information contained in this book.
Book Outline

Page IV Dedication
Page V Acknowledgment
Page VI Endorsements
Page X Preface
Page 11 Chapter 1 - Your Bag Of Money Is Right Here
Page 17 Chapter 2 - How To Earn A 7-Digit Income With Zero Capital
Page 31 Chapter 3 - Rookies Dont Earn 7-Digit Income
Page 35 Chapter 4 - The Real Estate Book Of Life
Page 41 Chapter 5 - Best-Kept Marketing Secrets
Page 53 Chapter 6 - Sell Without Looking Like A Beggar
Page 63 Chapter 7 - Don’t Just Sell; Keep Your Clients Forever
Page 69 Chapter 8 - Your Network And Your Revenue
Page 77 Chapter 9 - DNA Sequence Of 7-Digit Income Earning Realtors
Page 83 Chapter 10 - The Millionaire-Realtor Toolbox
Page 89 Whats Next?
Page 92 About the Book
Page 93 Author’s Profile
 DEDICATION
To Damilola,

Thank you for seeing the possibility of this

Real Estate Business when I didn't even realize
it. Thank you for encouraging me to take up
this career.

Thank you for who you are and all that you do.

iv
ACKNOWLEDGMENT
Special thanks to the amazing team at the Harmony
Publishing Ltd for turning my ideas into reality.

To Barr. Adedapo Ogunmilade, one of the most

efficient and effective leaders I have been privileged
to work with, thanks for taking the time to critique
the manuscript of this book quite thoroughly.
Thanks for the exceptional work at the learning and
development department of the Adloyalty Business
Network. Special appreciation also goes to the other
members of the team, Eunice ‘Peculiar’ Oluwole, Lois
Anuak Moyegun, Taiwo Abisola, Esther Emerson, and
Wale Oyedele, even though we rarely use such words,
you guys are exceptional project managers. I
celebrate you!

To the operations and administrative team of the

Adloyalty Business Network; Rufai Fareed, Mercy
Adenuga, Tayo Tewogbade, Nathaniel Chukwuma,
Abiodun Olabiyi and Afolabi Omotayo, thank you for
all the hard work and incredible efforts.

This acknowledgement will not be complete without

saying thanks to Gabriel Showole, David Lanre
Messan, and Anthony Onyemauwa for all their
support.

To Mrs. Mojisola Osonuga, thanks for believing and

supporting my hustle. I’m truly grateful.

v
ENDORSEMENTS
There’s a fundamental difference
between what the rich have and what
the poor don’t have. It’s not about
money but leverage.
Whether it’s in leveraging time and
resources, they’ll always be steps
ahead.
Dr. Freeman Osonuga has written a
great book that shows how you can
leverage your expertise and other
platforms to acquire wealth.
It’s a marathon and not a sprint, and
you’ll enjoy every minute of it.
Steve Harris
Life & Business Strategist.
--------------------------------------
Whenever you see a rat running from
the bush into a fire, it is widely
believed that what is chasing the rat
is more than the fire. This anecdote
chronicles the exceptional odyssey
of the author from the much-coveted
medical profession into the Real
Estate World.
I have known the author, Dr. Freeman
Osonuga, for several decades. He is
vi
very brilliant and strategic in his
approach to life. He is renowned for his
uncanny ability to charter new terrains
and excels at such, despite all odds.
Therefore, I consider him as a historical
Sybil whose words are beyond price,
and his thoughts could be well trusted.
This book, PRINT MONEY WITH ZERO
CAPITAL, is the much-needed dossier
for anybody who doesn’t want to be
caught or incarcerated in the labyrinth
of poverty and professional enclosure.
It has the therapeutic tendencies to
cure the poverty of the mind, be it
acute or chronic. The author has done
well to have laid bare golden secrets for
prosperity.
If you are tired of poverty, if you are
tired of living on loans, if you do not
want to depend on the next paycheque,
if you desire to have a mindset & career
shift, if you honestly want to PRINT
MONEY WITH ZERO CAPITAL, you do
not need any mystical magic or
motivational nuggets. Instead, what
you need is this great book.
Dr. Oluwadare Kehinde (Hacco)
Hon. Commissioner for Youth &
Sports, Ogun State
"Great book, many Inspirational
stories from Nigeria, well-articulated
book, great read."
Lalit Gotham
Forbes 30 Under 30 Europe
--------------------------------------
Dr. Freeman Osonuga’s PRINT MONEY
WITH ZERO CAPITAL is highly
recommended for a successful start-
up in real estate. It is the most
practical start-up book I have ever
read. The art of keeping clients,
networking, earning, discipline,
persistency, tools, and a whole lot
more are expatiated on. All realtors,
both old and new must read and re-
read.
Stephen Akintayo
Africa’s Foremost Investment
Coach & Serial Entrepreneur
--------------------------------------
This is not only a well-written book
with holistic learning steps to become
a successful realtor, but one which
involves learning how to invest, in
addition to making more money
vii
through their most effective direct
marketing.
PRINT MONEY WITH ZERO CAPITAL
brings a clear sense on why you must
invest in real estate, and it brings a
clear picture of putting your money
where your mouth is.
This book is full of life and a big eye-
opener after learning about the key
foundation of Integrity, Innovation,
team spirit, and technology that has
made Adloyalty Business Network such
a success.
Dr. Freeman Osonuga is a great thinker
and a wonderful writer. You must get a
copy of this book because every single
page counts. Learn to invest in real
estate and PRINT MONEY WITH ZERO
CAPITAL.
Calvin Jodisi
CEO, Asenti Africa, Kenya
If you read Dr. Freeman Osonuga's
PRINT MONEY WITH ZERO CAPITAL
and you are not compelled to take a
shot at real estate, either as an
investor or a realtor, you probably are
not wired for entrepreneurship. This
book is perhaps the most
comprehensive "tell it as it is" book
on real estate in Nigeria, and the first
of its kind. Dr. Freeman lays it bare
for all to see and know, but most
importantly, he holds you by hand
through the brightly and resonating
illustrated pages, leading you down
the golden corridors of financial
possibilities. Literally, it hands you
the keys to the kingdom of financial
freedom via real estate. The question
is, what are you going to do with
these keys?
Anthony Onyemauwa
Lead Consultant, Firebrand
Marketing Solutions Limited.
--------------------------------------
This book is novel, the first of its kind
in the Nigerian real estate business
space. It distinguishes the regular
agency business from that of a
professional realtor. It explains most
of what realtors learn sitting in
several training booths.
Each chapter of this book is as
important as the other. Each topic has
viii
been well-researched and properly put
out for readers to digest.
Here, one would have learnt that real
estate business is a very lucrative
business for developers, speculators,
and most importantly, professional
realtors. You can actually earn 7 figures
income as a professional realtor with
the easy steps highlighted in the book.
It comprises of the importance of
growing beyond your shadows and
becoming an actual professional. A
clear compendium free of real estate
jargons. It shows you secrets of client
or customer retention, resells, and
referrals. It entails what you need to do
for clients to have confidence in you
and what you do. The easy steps to
building a successful network in your
real estate marketing business,
recruitment, integration, and team
building for your network, the secret to
making 7 figures income. It also
includes the common attitude of a
successful salesperson that you must
inculcate. Lastly, it entails the tools you
must have if you want to be a successful
realtor.
I have gone through all the pages and I
must say that he has done an eternal
service to the industry by putting these
together.
Now grab a copy and be impacted!
‘Dapo Ogunmilade Esq.
Partner, Aetos Legal.
Positive, upbeat, actionable, attainable,
educating, and readable. Put into
practice because the skills outlined in
this book can be life-changing.

Dr. Shogo
Personal Productivity Coach

“Dr. Freeman poured out his heart in

this book. As I read through the pages I
could feel the love he has for realtors;
deeply wanting them to succeed. He left
nothing out as every page had detailed
information. Step by step he walks you
through paths he has taken to success
and if anyone follows that path as a
realtor they definitely will succeed too.”

Iyore Ogbuigwe (aka King Of Sales)

Sales Training Consultant
Ultravantage Sales Solutions

ix
PREFACE
Every day, I get messages from new
and intending Adloyalty Business
Network realtors, most of which are
about how to go about the real estate
business and become successful in it.
Many of these budding real estate
entrepreneurs are seeking direction
and understanding. Helping these
intending realtors is particularly
important to me because if they don’t
get the proper guidance they need
early in their career, they might quit
even without getting the opportunity
to scratch the surface of the
potentials for the wealth that’s within
their reach through property
brokerage.
And constrained by time and chance,
answering such enquiries sufficiently
and comprehensively cannot be done
via chat on WhatsApp or social media
DM.
In the same vein, as I interrelate with
established Adloyaltybn Realtors too,
I also see a burning desire to be more,
know more, and accomplish more in
their real estate career.
In as much as several books have been
written on sales, marketing,
x
prospecting, and client management,
there is no such book written for
realtors in Nigeria, taking into
consideration their needs, aspirations,
and peculiarities of the
market. Therefore, I sought a way to
exhaustively answer these heartfelt
yearnings and requests of realtors with
an ultimate, extensive, and one-stop
guide for real estate brokerage in
Nigeria.
This burning desire to help both new
and established realtors make the very
best of their real estate brokerage
career and reduce the rate of turnover
in the business has lead to the birthing
of this novel, the very first of its kind.
It is written in a simple easy to
understand language, filled with
practical wisdom gathered from
extensive research and hands-on
experience from years implementing
these cutting-edge business strategies. I
do not doubt that this piece of work
will revolutionize and turbo-charge
your real estate career.
It’s about time - Let me show you how
to print this real estate money
legitimately!
Dr Freeman Osonuga
Chapter One
Your Bag Of Money Is Right Here
“
I will forever believe that
buying a home is a great
investment. Why? Because you
can’t live in a stock certificate.
You can’t live in a mutual fund.
”
― OPRAH WINFREY
The emergence
of Billionaires
In the world today many
billionaires have emerged
by running various
businesses: from oil and gas
to agriculture, technology,
food, manufacturing,
telecommunications, and
healthcare; but almost all
billionaires in the world
have a common second
habit, which is a flair and
unwavering love for real
estate.
Most successful business
owners around the world
today secure and insure
their money with real
estate. Real estate is the
biggest asset storage bank in revenue to property
the world because it is the
most secure avenue for
protecting wealth. Owning
real estate is synonymous
with wealth. Real estate is
tangible and substantial;
and this is the reason many investments still provide
refer to it as the only real considerable returns even
investment.
“Real estate cannot be lost
or stolen, nor can it be
carried away. Purchased
with common sense, paid
for in full, and managed
with reasonable care, it is
about the safest investment
in the world.” ¬ Franklin D.
Roosevelt, U.S. President
Most investors are
passionate about real estate
because of its rare
combination of yielding
high returns with low risks.
This high return on
investment is in the forms
of value appreciation and
rental income. Besides, we
all know that rental incomes
provide a steady source of
owners. Real estate is a low-
risk investment compared
to stocks, shares, treasury
bills and other monetary
instruments of investments.
This is because property
during an economic burst.
During an economic
downturn, inflation causes
money to lose its
“
Owning a purchasing power when
home is a kept in the bank; but in real
keystone of estate money
appreciates, creates wealth,
wealth, both builds multiple streams of
financial income, and enables a
affluence and family to have an important
emotional legacy.
security. “Owning a home is a
keystone of wealth, both
” financial affluence and
emotional security.”
― Suze Orman
- Suze Orman
Essentially real estate meets
a basic human need, which
is shelter. Everyone needs a
place to stay in. Though a
home is more than just a
place to live, it provides
security, freedom, family
bonding, total health, relief
from stress, comfort, peace
of mind and, more
importantly, a sense of
achievement.
From ages past, these needs
have indeed made real
estate to be established as
the foundation for building
thriving wealth. As you read
this book, there is a roof
over your head. You are
2
either paying the rent for it
to someone or you are
collecting rent from others.
It’s that simple. No
ambiguities.
The real estate industry is a
multi-billion-dollar industry
globally. Beside people who
made enough money from
their profitable ventures
and invested in real estate,
there is another category of
real estate millionaires who
became rich essentially by
helping others invest in real
estate and earn a fraction of
the stupendous wealth
within the industry. Those
small fractions these
brokers earn per
transaction are 7-digit
incomes, equivalent to some
other workers’ annual pay
of 12 months of rigorous
work.
 Practically speaking, there are 5 ways to make wealth from real
estate.

1. Real Estate Speculation: You can buy property, hold it for a

period of time, and then sell it after the property’s price
appreciates.

2. Rent: You can buy rental-income generating property and

make money from the rent paid by your tenants.

3. Property Development: You can buy land, build residential

apartment blocks on them, and then sell each apartment at
premium price to recover your capital and make profit.

“ 4. Flipping Real Estate: This is where you

buy an old property, renovate it, and sell it
at a profit.
Out of the five 5. Real Estate Brokerage: You facilitate a
ways stated real estate sales transaction and earn a
fraction of the value involved as your

here, the first 4 commission.

require a lot of Out of the five ways stated above, the first
4 require a lot of money (and that’s not the
purpose of this book. I will probably write
money. another book detailing what factors should
guide investors in making a success of
their real estate investments).

3
 Quote;
“
More money has been
made in real estate than
in all industrial
investments combined.
”
- Andrew Carnegie,
Billionaire Industrialist.

Only number 5 is the way you can

make money without having to start
with any huge cash for investment.
In this book, I will show you practical
steps to kick-start your real-estate-
millionaire business with zero
capital.

You either have a lot of money to

invest in real estate or you are
helping those who have the money
invest while earning a fraction of the
multi-billion-dollar industry.