Discover a Basic 10-Step Process for Buying Tax Lien Certificates and Tax Deeds.
Hi, my name is Steven Waters and I'm the founder of Tax Lien University. Since 2001 I've been on a mission to arm investors with accurate and authoritative information so they can buy tax lien certificates.
Like anything new, when you buy tax lien certificates it might seem a little foreign, maybe even frightening at first. Don't panic, in this brief article you will learn my basic 10-step system so you can buy tax lien certificates.
This basic ten-step (10) system is designed to move you through the three (3) investment stages so you can buy tax lien certificates:

Let's begin with a brief overview and introduction of the various steps of buying tax lien certificates.
Stage 1: Preparing
Step 1: Identify your goals, budget and available resources
Identifying what you want to achieve is your first step to buying tax lien certificates. When setting your goals, it is important to take inventory of your resources, particularly in relation to the time and money you can devote to this investment. In addition to being expensive, miscalculations can be disastrous.
Step 2: Formulate Your Investment Strategy
Your next step to buying tax lien certificates is to identify your investment strategy. A good investment strategy will help you to achieve your investment goals. I'll reveal a simple yet highly-effective process for uncovering your investment strategy.
Step 3: Select the Right State
Where do you begin buying tax lien certificates? With so many states to choose from the task can seem a bit overwhelming. Over the years I've learned that there's a little more to selecting the right state than choosing the one that offers the highest rate of return. In this section, we'll cover everything you need to consider when selecting a state that fits into your investment goals and strategy.
Step 4: Select the Right County or Municipality
Once you've selected the right state to buy tax lien certificates, you should be ready to identify the right county or municipality. Initially, it can feel a bit overwhelming, especially if you've selected a state with a lot of counties. Georgia, for example, has over 159 counties while Texas, has over 254. Don't be discouraged, I'll share a simple process designed to make selecting the right county as painless as possible.
Step 5: Obtain A Current Tax Sale List
Before you can buy tax lien certificates you need to obtain a tax sale list. The tax sale list identifies those properties or tax liens available for purchase from the county or municipality. There are several ways of obtaining a tax sale list - some even free.
Step 6: Perform Your Due Diligence
A tax sale list provides the information needed to conduct your due-diligence prior to buying tax lien certificates. Thorough due-diligence will enable you to narrow down the tax sale list to those listings that are mostly likely to help you achieve your investment goals and strategy.
Step 7: Reduce Your Risks
Although relatively small, tax liens still have some risks. In this step, you'll become aware of many of the investment pitfalls. Furthermore, you will learn how to deal with them. This will allow you to maximize your profits while minimizing your exposure to risk.
Stage 2: Purchasing
Step 8: Make the Purchase
At this point you will have completed your research and selected the tax lien certificates that you'd like to buy. In this step, we'll cover everything you need to know about the various was of buying tax lien certificates.
Stage 3: Profiting
Step 9: Manage Your Investment
Having bought your tax lien certificate doesn't mean you're done. Often, there are several tasks and/or deadlines you must meet. Failure to meet these requirements could prove costly. In this step, we'll cover what you must do to maintain your investment and prepare for a profitable ending.
Step 10: Realize Your Profits
Every step leading up to this point has been taken with the aim of making a significant profit or return on investment. In this step you'll learn the various ways to profit from buying tax lien certificates.
As you become familiar with the various steps of buying tax lien certificates your confidence will grow and you will feel comfortable setting more challenging financial goals.
Since 2001 I've been on a mission to arm investors with accurate and authoritative information so they can take advantage of the tremendous wealth-generating potential of tax lien certificates.
I've been in this business for over a decade. I can still remember my first tax sale auction and how excited I was to buy my first tax lien property. It's hard to believe that was nearly 15 years ago. A lot has changed between then and now but one thing has remained the same; my passion for this business.
Since 2001 I've been on a mission to
provide authoritative information.
I founded Tax Lien University with the sole mission of providing accurate and authoritative information so beginning investors could learn how-to profit with tax lien certificates.
I've spent nearly 15 years of my life perfecting the steps and process for investing in tax lien certificates. Through my free newsletter and top-selling course Creating Wealth Without Risk™ I've helped nearly 100,000 people learn how to profit with tax lien certificates.
From the beginning, I wanted Tax Lien University to be a different kind of company. I wanted a company that not only valued it's customers and clients but was committed to helping them achieve their goals. At Tax Lien University, we measure our success by the success of our students.
"I purchased 3 tax lien certificates at an Internet auction for Miami-Dade County, Florida. All three were buildable vacant lots in moderate income neighborhoods. The prices were: (1)$1,018.86 (2) $1,224.90 (3) $1,654.82. I got 18% interest on all of them. I placed 39 bids in total."
- A. Hamad, Florida
Every day we go to work helping our students capture the tremendous wealth-generating power of tax lien certificates. We do this by channelling knowledge and value through our various educational products and services. It was true when we opened in 2001, and it’s just as true today.
With all the misinformation out there it's
hard to know what is fact or fiction.
Over the last few years I've seen the various late-night infomercials and high-pressure seminars where the "guru's" talk about how rich you can get with tax lien certificates.
They rarely take the time to point out the pitfalls because they are too busy exaggerating the benefits in order to sell a product or service.
Focusing entirely on the upside and neglecting the downside does more harm than good because it paints an inaccurate and distorted picture of this business. It not only confuses people but more importantly it completely misleads them.
Unfortunately, I've been on the receiving end witnessing first hand the damage resulting when a misinformed and mislead investor pulls the trigger and buys a tax lien on the wrong property. The excitement quickly fades once they realize they just became the new owner of a property ridden with problems.
Despite what the "guru's" have said it is possible to lose money with tax liens.
It's not your fault. If you're like most people I talk with, you first learned about tax lien certificates from either a late-night infomercial or a high-pressure weekend seminar. My experience is that more often than not the "experts" are more interested in selling a product than providing accurate information.
Here at Tax Lien University we are on a mission to arm investors with accurate and authoritative information so they can bypass the pitfalls and profit, like Wall Street does, with tax lien certificates.
Massive Success,
Steven E. Waters
Tax Lien University, Inc.
I bought my first tax lien property nearly 15 years ago and I've been perfecting the system and process ever since.
Below you will find a collection of the latest user questions and comments relating to buying tax lien certificates.
Steven E. Waters is an experienced and active investor of tax liens and tax deeds, author of "Creating Wealth Without Risk™" and acting president of Tax Lien University, Inc.
Tax Lien University, Inc. is an educational organization, and individual performance depends upon the individual skills, time availability, and dedication of each student. Testimonials included may not represent typical results. Unique experiences and past performances do not guarantee future results. Tax Lien University, Inc. its owners, employees, and affiliates do not give investment or financial advice and are not licensed as brokers by or registered as advisors with any agency. If legal advice or other expert assistance is required, the services of a competent professional person should be sought.
Master Tax Liens & Tax Deeds
Master the steps and strategies of buying tax liens and tax deeds with our FREE 4-DISC Training Course
You can immediately download the course for no charge or if you prefer, just pay a small shipping fee and we'll mail it to you.
Tax Lien Certificate States
Research all fifty (50) states to determine which offers the right interest rate, redemption period, and more.
Tax Lien Certificate Reports
Below is a list of free articles on how to profit with tax lien certificates, tax deeds, and more.
- What are Liens
- The Effects of Liens on Title
- How Lien Priority is Established
- What are Tax Lien Certificates
- How to Buy Tax Lien Certificates
- Learn the Tax Sale Bid Methods
- Buy Tax Liens with a Business
- Over the Counter Tax Liens
- How to get the Tax Sale List
- Profits with Tax Sale Overages
- Tax Lien and Tax Deed States
- Internet Tax Sales
- Tax Lien Profit Calculator
The Rule of 72 Calculator
The rule of 72 says that to find the number of years required to double your investment at a given interest rate, you simply divide the interest rate into 72.
For example, if you want to know how long it will take to double your money at eighteen percent interest, divide 18 into 72 and get 4 years.
Our Educational Materials
Creating Wealth Without Risk™ was designed to help you take full-advantage of safe, certain, and high-yielding tax lien certificates and tax deeds.
Tax Lien University Reviews
"I purchased 3 tax lien certificates at an internet auction for Miami-Dade County, Florida. All three were buildable vacant lots in moderate income neighborhoods. The prices were: (1)$1,018.86 (2) $1,224.90 (3) $1,654.82. I got 18% interest on all of them. I placed 39 bids in total."
- A. Hamad, Florida
June 9, 2011 6:17:32 PM MDT
"I thought that the course were very clear and easy to understand as well as being highly informative and to the point. The information contained within is worth thousands and thousands of dollars. I would recommend that any one serious about being a smart investor buy these books and put it into action!"
- S. Roy, London
"Thank you for your great work. I received you training manuals last night and haven't been able to stop reading. I would recommend this course to anyone who is interested in getting into Tax Lien Certificates."
- J. Bennett, California




Should the property owner fail to pay the delinquent property taxes and interest before the expiration of the redemption period then the county has the legal rights to give you the property debt-free without a mortgage. Once you own the property you can do whatever you like - including making improvements.