5-Point Investment Program

            We are more than just a place to get loans.  We provide quality service and follow a particular philosophy.  Here in a nutshell is what we do everyday for 100s of investors across the country.

            Rental houses or small plexes are most appealing investment:

	Demand is consistent
	Investors and average people understand the value of homes
	You can easily get property managers and maintenance people to help you take care of your investment
	These properties offer the fastest appreciation over time
	Homes and small plexes are easier to sell than large plexes.

            The problem with such investments, however, is lack of cash flow.  We recommend one straightforward solution  to this problem: no gimmicks, just an organized way of applying proven fundamentals. The program attacks this problem in 5 coordinated ways:

1. Location: hot market areas where the jobs are here now and in the immediate future
2. Price: low enough to keep your monthly costs down.  The $130,000 range is ideal but this number changes because real estate is appreciating
3. Maintenance: reduce expenses by buying new
4. Rent: increases because of demand in growing cities
5. Loan: Some loans allow for low monthly payments when you are starting out on a rental.

            Examples of investor loans that some people are not familiar with:

	An adjustable mortgage that stays at a low rate for the first five years
	Interest only
	First mortgage line of credit
	Optional payment plans to adjust monthly expenses.

            By combining these five factors, the investor reduces out of pocket cash and builds appreciation faster.  You are in a good position to improve yourself with a re-finance in about 5 years.

            If you are in a position to do so, we recommend buying one house a year on this plan for five years to build a lasting and substantial portfolio.

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