"When is the best time to get out there and make a lot of money? NOW!" says the real-estate investment speaker in a dim ballroom in a hotel just off a New Jersey highway. Body odor musky baby powder and farts mingle and hang in the air. I'm in a dim ballroom that's been converted into a nexus of financial success. A tall man in his 40's or beyond, with square shoulder, combed thinning blond hair, lords over the group of about 35 on a Tuesday afternoon. In a condescending tone a practiced manner of over-enunciating every syllable, he's here to disseminate the secrets of real-estate pros. Working undercover for CNBC's On The Money, I'm eager to learn...

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