Learn to Earn Your First $10K in Real Estate. No Credit. No Mortgage

Turn AI-powered strategy into your first deal and proof of income in just a few weeks.

"Build real estate income before you ever apply for a loan."

The Truth About Starting in Real Estate

You've Been Told You Need...

Perfect credit scores to qualify
Tens of thousands for down payments
Years of experience before your first deal
Real estate license and legal credentials
Access to private money or investors

That's the old way. And it's keeping you stuck.

The $10K Formula Shows You How To...

Find motivated sellers online with AI tools
Analyze deals like a pro — no spreadsheet guesswork
Use proven contracts & templates to close ethically
Automate buyer follow-up for consistent income
Create income before you ever need a loan

This formula positions you to earn while you learn.

You've been told you need credit and a bank to start in real estate. That's a lie. This formula shows you how to create income before the loan. We're not talking theory—we're talking about a proven system that everyday people are using to generate their first $10,000 in real estate without mortgages, without credit checks, and without waiting for permission from traditional lenders.

The real estate industry has been gatekept for too long by outdated beliefs and unnecessary barriers. While others are waiting for bank approval, you'll be creating opportunities. While others are building credit, you'll be building income. This is about changing the game entirely—proving your ability to generate wealth before anyone asks to see your credit score.

How The $10K Formula Works

This isn't complicated. It's strategic, it's ethical, and it's designed for people who are ready to take action. Here's exactly how you'll create your first $10,000 in real estate income using AI-powered tools and proven systems.

Find Deals Online

Use AI-powered tools to identify motivated sellers in your market. No cold callingRequired. No door knocking. Just smart technology finding opportunities while you focus on strategy.

Analyze with AI

Let artificial intelligence do the heavy lifting. Our system analyzes property values, repair costs, and profit margins in minutes—giving you confidence in every deal you evaluate.

Contract the Deal

Use our proven templates and ethical contracts to secure properties. Everything is provided—no legal guesswork, no expensive attorney fees upfront, just clear documentation that protects everyone involved.

Get Paid

Connect motivated sellers with ready buyers and collect your assignment fee. This is where your work turns into income—typically $5,000 to $15,000 per transaction, with your first goal being that crucial $10K milestone.

Inside The $10K Real Estate Formula Course

This isn't just another online course with vague advice and empty promises. This is a complete system with every tool, template, and training you need to execute your first deal. Here's everything you get instant access to when you enroll today.

Lesson 0: Orientation

Get started the right way. Understand the formula, set up your systems, and prepare your mindset for success. This foundation sets the tone for everything that follows.

Lesson 1: AI Wholesaling Formula

Learn the complete wholesaling strategy powered by AI. Understand how technology amplifies your efforts and creates opportunities faster than traditional methods.

Lesson 2: Finding Sellers

Master the art of identifying motivated sellers using online tools, social media, and AI-powered lead generation. Learn where to look and what to say.

Lesson 3: Analyze with AI

Use AI tools to evaluate properties accurately and quickly. Determine repair costs, after-repair value, and profit potential without expensive software subscriptions.

Lesson 4: Negotiate & Communicate

Develop confidence in your conversations. Learn scripts, email templates, and communication strategies that build trust and close deals with integrity.

Lesson 5: Contracts & Closing

Get access to proven contract templates and understand the closing process step-by-step. Remove legal confusion and execute transactions professionally.

Lesson 6: Build Your Buyer List

Discover how to attract and cultivate relationships with cash buyers who are actively looking for deals. Build a list that generates passive opportunities.

Lesson 7: Scale to Full-Time

Learn how to transition from your first deal to consistent income. Understand what it takes to make real estate your primary source of revenue and legacy builder.

7 Core Lessons + Orientation ($1,497)
AI Prompt Packs — Find sellers, negotiate, and close faster ($997)
Virtual Deal Analyzer Spreadsheet — Auto-calculate ARV, MAO, and profit ($897)
Editable Contract Templates — Purchase + Assignment ($397)
Buyer Automation Flows (Go High Level system setup) ($1,284)
Deal Tracker CRM Template ($495)
Certificate of Completion
Lifetime Access + Updates ($597)

Special Bonuses:

Faith + Strategy Framework Workbook ($297)
Advanced Negotiation Scripts & AI Role-Play Prompts ($1,284)
“First 30 Days to $10K” Action Plan ($997)

Total Value: $12,486 . Your Price Today: $197 (Event-Only Enrollment)

Every lesson is designed to take you from confusion to clarity, from hesitation to action. You're not just learning concepts—you're gaining practical skills that translate directly into income-generating activities.

This is education with immediate application, built for people who are ready to move forward with purpose and precision.

See How a $100K Property Becomes Your $10K Payday

Let's remove the mystery and show you the exact math behind a typical wholesale deal. This is the formula that creates your first $10,000—and it's simpler than you think. Here's a real-world example of how the numbers work in your favor.

Property ARV: $100K

After-repair value represents what the property will be worth once renovations are complete. This is your starting point for deal analysis.

Minus Repairs: $10K

AI tools help you accurately estimate renovation costs. Factor in materials, labor, and contingency to protect your buyer's investment.

70% Rule Applied

Multiply the adjusted value by 70% to determine maximum allowable offer. This ensures your buyer has room for profit and you stay competitive.

Your Offer: $60K

Contract the property at this price with the seller. Your agreement includes an assignment clause that lets you transfer the contract to your buyer.

Assign at $70K

Find a cash buyer willing to purchase at $70K. They still get an excellent deal with built-in equity and profit potential after repairs.

Your Profit: $10K

Collect your assignment fee at closing. This is your income for finding, analyzing, and connecting buyer with seller—no mortgage required.

Important Note: While $10K is your first goal, assignment fees typically range from $5,000 to $15,000 depending on your market and deal structure.

Some students achieve their first $10K on their very first deal, while others reach it across two smaller transactions. Either way, you're building proof of income without traditional financing.

Real People. Real Faith. Real Deals.

Don't just take our word for it. These are real testimonials from students who applied The $10K Formula and created results in their own markets. Their success proves that this system works for people from all backgrounds and experience levels.

Marcus T., Atlanta, GA

"I closed my first wholesale deal in 6 weeks and made $8,500. I was terrified at first, but the templates and step-by-step guidance made everything clear. Now I'm working on deal number three. This formula changed my family's financial future."

Jennifer L., Houston, TX

"As a single mom with two kids, I needed something that could work around my schedule. The AI tools saved me so much time. I made $12,000 on my second deal and finally have breathing room in my budget. Faith and strategy really do work together."

David K., Phoenix, AZ

"I thought you needed money to make money in real estate. Nikki showed me a different way. I'm three deals in now with over $28K in assignment fees, and I'm building my buyer list for consistent opportunities. This is the breakthrough I needed."

Meet Your Mentor — Nikki Balogun

With over 20 years of experience in real estate and education, Nikki Balogun has dedicated her career to breaking down barriers and creating accessible pathways to wealth. As the founder of Legacy Investment Club and creator of The $10K Real Estate Formula, Nikki has helped hundreds of aspiring investors take their first steps into real estate without the traditional gatekeeping of credit checks and large capital requirements.

Nikki's approach combines practical strategy with faith-based principles, believing that integrity and stewardship are the foundations of lasting wealth. Her teaching style is direct, compassionate, and rooted in real-world application—not theory or fluff. She understands the challenges facing everyday people because she's lived them, overcome them, and now teaches the exact systems she uses in her own business.

When you learn from Nikki, you're not just getting information—you're gaining a mentor who genuinely cares about your success and is committed to providing the tools, templates, and truth you need to create results. Her mission is simple: empower you to build income before the bank says yes.

Nikki's philosophy is built on three core pillars: Faith in a higher purpose, Strategy that's tested and proven, and Integrity that honors all parties in every transaction. She believes that when you align your financial goals with ethical practices and spiritual principles, you create sustainable success that impacts generations. This isn't just about making money—it's about building legacy.

Enroll Today — Your Investment in Financial Freedom

Everything you need to execute your first $10K real estate deal is waiting inside this course. Lifetime access, proven templates, AI tool recommendations, and the complete step-by-step formula that's already working for students across the country. This is your moment to take action.

Only $197

One-Time Investment

Complete lifetime access to all course materials, updates, and bonus resources. No recurring fees, no hidden costs, no upsells required. Just one simple payment and you're in.

Think about what $197 represents in the context of your first $10,000 deal. That's less than 2% of your first assignment fee. It's an investment that pays for itself many times over with just one successful transaction.

While others spend thousands on real estate courses that promise the world and deliver confusion, you're getting a focused, actionable system at a fraction of the cost—because Nikki believes in accessibility, not gatekeeping.

This isn't about getting rich quick. This is about building a legitimate skill set that creates income opportunities for years to come.

Once you understand wholesaling, you have a tool that works in any market, any economy, any season.

You're not dependent on a job, a boss, or a bank's approval. You've got a system that generates opportunity based on your effort and execution.

Ready to Scale Beyond Your First $10K?

The $10K Formula is your foundation—but it's not the ceiling. Once you've proven you can create income through wholesaling, you're ready for the next level: building a comprehensive real estate portfolio with coaching, capital partnerships, and multifamily investment strategies.

Legacy Investment Club

Join an exclusive community of faith-based investors who are scaling their real estate businesses with ongoing coaching, deal analysis support, and access to funding pathways for larger investments including multifamily properties.

Legacy Investment Club is designed for graduates of The $10K Formula who are ready to transition from wholesaling into buy-and-hold strategies, syndication opportunities, and long-term wealth building. With personalized coaching from Nikki and access to capital partners, you'll learn how to leverage your wholesaling income to fund larger deals and create passive cash flow.

Your Questions Answered

We've compiled the most common questions from prospective students. If you don't see your question here, reach out and we'll provide clarity before you enroll.

Question 1: Do I need a real estate license to wholesale?

No. Wholesaling is about contracting properties and assigning those contracts—it doesn't require a real estate license in most states. However, you should always research your specific state's regulations and operate with full transparency and integrity. We provide guidance on compliance and ethical practices throughout the course.

Question 2: What AI tools do I need and are they free?

What AI tools do I need and are they free?

We recommend several AI tools and platforms throughout the course, many of which have free or low-cost versions. You don't need expensive software subscriptions to get started. We'll show you exactly which tools to use, how to set them up, and how to maximize their potential for finding deals and analyzing properties efficiently.

Question 3: When can I lorem ipsum when I buy?

Timeline varies based on your market, effort level, and consistency. Some students close their first deal in 4-8 weeks. Others take 2-3 months to build confidence and find the right opportunity. The formula works when you work it—but we can't guarantee specific timelines because real estate involves variables beyond our control. What we can guarantee: you'll have everything you need to execute when the right deal appears.

Question 4: Is this course U.S.-only?

The strategies taught are based on U.S. real estate markets and legal frameworks. While some principles may translate internationally, contracts, regulations, and market dynamics differ significantly by country. We recommend this course for students operating in U.S. markets or those planning to invest in U.S. properties specifically.

Question 5: Do I get personal support?

The course is self-paced with comprehensive video lessons, templates, and resources designed to answer most questions. While we don't provide one-on-one coaching within the $197 program, students who complete the course and are ready for advanced strategies can apply for Legacy Investment Club, which includes direct coaching and community support.

Question 6: What if I want to invest in multifamily properties next?

Perfect. That's exactly the progression we encourage. Start with The $10K Formula to build wholesaling income and establish your foundation. Then join Legacy Investment Club where we teach multifamily investing, syndication strategies, and provide access to funding partnerships for larger commercial deals. First learn to create income, then learn to scale wealth.

It's Time to Turn Faith into Action

You've read the formula. You've seen the testimonials. You understand the math. Now it's decision time.

Will you keep waiting for perfect conditions that may never come? Or will you take the step that changes everything—proving you can create income before the bank says yes?

The $10K Real Estate Formula isn't magic. It's not a shortcut. It's a proven system that requires your commitment, your consistency, and your courage.

But for those willing to apply it with integrity and faith, it becomes the breakthrough that transforms financial futures.

This is your opportunity to build something real, something sustainable, something that creates options where none existed before.

Every successful investor started exactly where you are right now. The only difference? They decided to begin.

They chose action over analysis paralysis. They chose faith over fear. They chose to build something instead of waiting for permission.

This is your moment to make that same choice.