Tag Archive for: note investing

Note Investing vs. Wholesaling: Which Real Estate Strategy is Right for You?

Embarking on the journey of real estate investing can be both exhilarating and daunting, especially when faced with a myriad of strategies to choose from. Among the most talked-about methods are note investing and wholesaling, each offering distinct pathways to building wealth and passive income. Note investing involves purchasing mortgage notes, which can provide steady returns with relatively low involvement, making it an attractive option for those seeking a more passive investment strategy. On the other hand, wholesaling requires a more hands-on approach, involving the securing of properties at a discount and selling them to eager buyers, often for a quick profit. By exploring the pros and cons of each strategy, this post will guide you in making an informed decision on which real estate investment approach aligns best with your financial goals and lifestyle preferences. For a deeper dive into the comparison between note investing and wholesaling, check out this informative guide.

Understanding Note Investing

Note investing and wholesaling represent two distinct approaches to real estate investing. Let’s begin by exploring note investing, a strategy that offers a unique blend of passive income and potential for high returns.

What is Note Investing?

Note investing involves purchasing mortgage notes, which are essentially IOUs secured by real estate. When you invest in notes, you’re buying the debt and becoming the lender, rather than owning the physical property.

This strategy allows investors to earn income through interest payments and potentially acquire properties if borrowers default. It’s a way to participate in real estate markets without the hassles of property management.

Note investing can be done with performing notes (where borrowers are making regular payments) or non-performing notes (where borrowers have fallen behind), each offering different risk and reward profiles.

Pros and Cons of Note Investing

Note investing comes with its own set of advantages and challenges:

Pros:

  • Passive income stream
  • Potential for high returns
  • Diversification of investment portfolio
  • Lower entry barriers compared to direct property ownership

Cons:

  • Risk of borrower default
  • Complexity in understanding note valuations
  • Potential for lengthy foreclosure processes
  • Limited control over the underlying asset

Real-world example:
An investor purchases a $100,000 note at a 20% discount, paying $80,000. The note carries an 8% interest rate over 15 years. This investor now receives monthly payments, creating a steady cash flow while also having the potential to sell the note later for a profit.

Exploring Wholesaling in Real Estate

Wholesaling offers a different approach to real estate investing, focusing on quick transactions and the ability to profit without owning property long-term.

How Wholesaling Works

Wholesaling in real estate involves finding properties at below-market prices and then quickly selling or assigning the contract to another buyer, typically an investor, for a profit.

The process generally follows these steps:

  1. Find a motivated seller with a property below market value
  2. Negotiate and secure a purchase agreement
  3. Find an end buyer (usually an investor) willing to pay more
  4. Assign the contract or double close, earning the difference as profit

Wholesalers act as middlemen, connecting motivated sellers with real estate investors looking for deals. The key to success lies in building a robust network and having a keen eye for undervalued properties.

Pros and Cons of Wholesaling

Wholesaling, like any investment strategy, comes with its own set of advantages and drawbacks:

Pros:

  • Potential for quick profits
  • No need for significant capital
  • Opportunity to learn real estate markets
  • Flexibility and scalability

Cons:

  • Inconsistent income
  • High competition in some markets
  • Legal complexities and risks
  • Requires strong networking and marketing skills

Case study:
A wholesaler finds a distressed property valued at $200,000 but negotiates a purchase price of $150,000. They then find an investor willing to buy it for $170,000. The wholesaler assigns the contract, earning $20,000 without ever owning the property.

“Wholesaling can be a great way to get started in real estate with minimal capital, but it requires hustle and a solid understanding of your local market.” – Experienced Real Estate Investor

Choosing the Right Strategy

Deciding between note investing and wholesaling depends on various factors, including your financial goals, risk tolerance, and personal preferences.

Factors to Consider

When choosing between note investing and wholesaling, consider:

  1. Time commitment: Note investing is generally more passive, while wholesaling requires active deal-finding and networking.
  2. Capital requirements: Wholesaling often requires less upfront capital, but note investing may offer more stable returns.
  3. Risk tolerance: Both strategies carry risks, but they differ in nature. Note investing risks are tied to borrower defaults, while wholesaling risks involve market fluctuations and deal fall-throughs.
  4. Market knowledge: Wholesaling demands in-depth local market knowledge, while note investing can be done across different geographic areas.
  5. Legal considerations: Both strategies have legal complexities, but wholesaling often faces more scrutiny and regulation.

Aligning Strategy with Goals

To choose the right strategy, align it with your investment goals:

  • For passive income: Note investing might be more suitable, offering regular payments with less day-to-day involvement.
  • For quick profits: Wholesaling could be appealing, allowing for faster turnaround on deals.
  • For long-term wealth building: A combination of both strategies might work best, providing both immediate cash flow and long-term appreciation potential.

Consider your personal strengths and weaknesses. If you excel at networking and negotiation, wholesaling might leverage these skills. If you prefer analysis and have patience for long-term investments, note investing could be more aligned with your abilities.

Ultimately, the best strategy is one that you can execute consistently and that aligns with your financial objectives. Many successful real estate investors incorporate elements of both strategies as they grow their portfolios, capitalizing on the strengths of each approach.

If you are considering investing in real estate notes but unsure how to get started, book a consultation with Nathan Turner, the founder of Earnest Investing today: Speak to Nathan or call 312-860-3747 to get started.

About Earnest Investing

Earnest Investing buys performing and non-performing 1st lien mortgages (secured by real estate). We help existing home owners and revitalize communities. Our investors earn an 8% return with a quarterly distribution on a passive investment. Banks regularly sell defaulted loans at a deep discount, creating an opportunity to purchase these loans with the property as collateral. Earnest Investing buys select loans and works directly with the borrower to collect or re-establish payments, or to take over ownership of the property for resale or creation of a new loan. Unlike traditional real estate, investing in mortgage notes offers flexibility and a variety of profitable options and exit strategies that add value and reduce risk. Our founder, Nathan Turner, is passionate about the business and the opportunities it creates for “win-win” solutions for the home owner, for you as the investor, and for Earnest Investing. 

 

 

 

 

 

 

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Novice to Expert: Answering Your Top Note Investing Questions

Navigating the world of note investing can be both exciting and daunting, especially for those new to the field. As more individuals turn towards real estate investing as a means to generate passive income, understanding the nuances of note investing becomes crucial for building a robust portfolio. In this blog we will address some of the most frequently asked questions about note investing, helping you gain financial literacy and develop effective investment strategies. Whether you’re a novice eager to learn the ropes or an experienced investor looking to refine your approach, our expert insights aim to guide you towards confident, informed decisions. Join us as we delve into the essentials of note investing and explore how this dynamic avenue can enhance your financial journey.

What Is Note Investing?

A note is simply a promise to pay, an IOU. In our case the note is attached to a piece of property. This could be any kind of property but we focus on residential homes. In more familiar terms these are mortgages and deeds of trust. The note then promises to repay the loan extended to be able to buy a house and has the normal terms and conditions you might see on your own mortgage. An interest rate, number of years to make payment and a monthly payment.

Benefits of Note Investing

Note investing offers several compelling advantages for investors seeking alternative strategies:

  1. Passive Income: Regular payments from borrowers provide a steady stream of income.
  2. Potential for High Returns: Discounted notes can yield significant profits when paid in full.
  3. Diversification: Notes allow investors to spread risk across multiple properties and geographic areas.
  4. Flexibility: Investors can choose between performing and non-performing notes, each with unique strategies.
  5. Lower Initial Investment: Compared to direct property ownership, notes often require less capital to get started.

These benefits make note investing an attractive option for those looking to expand their investment horizons and potentially increase their returns.

FAQs About Note Investing

Newcomers to note investing often have several questions. Here are some of the most common:

Q: How risky is note investing?
A: Like all investments, notes carry risks. However, they’re secured by real property, which can mitigate potential losses. For each loan we purchase at Earnest Investing it is backed by a residential property. Also, for each loan there is at least a 25% equity spread, meaning if the property is worth 100k the most I would pay for the loan is 75k.

Q: What happens if the borrower defaults?
A: In case of default, the investor has the right to foreclose on the property, potentially recovering their investment.

Q: The sky is falling – can I lose all of my money?

We only buy 1st lien loans to maximize security so we are first in line to be paid and people tend to pay their mortgage above all else. To further increase safety we have at least a 25% equity spread to guard against falling property values.

Q: What is the is the difference between a performing note and a non-performing note.

A performing note is one where the borrower (person living in the house) is making regular monthly payments. A note becomes non performing when at least 3 consecutive payments are missed.

Q: What kind of value does this bring to my portfolio versus the stock market?

A mortgage note is completely isolated from anything happening in the market. It’s an established set of terms that acts independently from inflation, interest rates, or stock markets. This can be your “sleep at night” money while you take riskier bets on other projects.

Q: What funds can I use to invest?

Individual, Self-Directed IRAs, LLCs – any one of these can be used at Earnest Investing.

Q: What tax form will I receive at the end of the year?

We will issue you a K1 for interest income.

Real Estate and Passive Income

Real estate has long been a popular avenue for generating passive income. This section explores how note investing fits into the broader real estate landscape and strategies for maximizing passive income through this investment vehicle.

How Note Investing Fits In

Note investing offers a unique position within the real estate investment spectrum. It bridges the gap between traditional property ownership and more passive forms of real estate investment.

Unlike direct property ownership, note investing doesn’t require hands-on management or dealing with tenants. This makes it an attractive option for investors seeking real estate exposure without the associated headaches.

At the same time, note investing provides more control and potentially higher returns than REITs or other passive real estate investments. It’s a sweet spot for many investors looking to balance involvement and returns.

Generating Passive Income

Passive income is a key attraction of note investing. Here’s how it typically works:

  1. Purchase a Note: Acquire a performing note at a discount to its face value.
  2. Collect Payments: Receive regular payments from the borrower, often monthly or quarterly.
  3. Reinvest or Enjoy: Use the income for further investments or personal expenses.

The beauty of this system is its potential for scalability. As you acquire more notes, your passive income stream can grow substantially.

“The key to financial freedom and great wealth is a person’s ability or skill to convert earned income into passive income.” – Robert Kiyosaki

Discover more about building passive income streams

Building Financial Literacy

Financial literacy is the cornerstone of successful investing. This section emphasizes its importance, explores the benefits of joining a note investing community, and offers tips for new investors looking to build their knowledge and skills.

Importance for Investors

Financial literacy is crucial for anyone venturing into note investing. It empowers investors to:

  • Make informed decisions based on sound financial principles
  • Understand and manage risks effectively
  • Recognize profitable opportunities in the market

Without a solid foundation in financial literacy, investors may find themselves making costly mistakes or missing out on valuable opportunities.

Developing financial literacy is an ongoing process. It involves staying updated with market trends, understanding economic indicators, and continuously expanding your knowledge of investment strategies.

Explore essential financial concepts for beginners

Tips for New Investors

For those new to note investing, here are some essential tips to get started:

  • Start Small: Begin with a modest investment to learn the ropes without risking too much capital.
  • Educate Yourself: Read books, attend workshops, and take courses on note investing and real estate finance.
  • Analyze Thoroughly: Develop a systematic approach to evaluating potential note investments.
  • Build a Network: Connect with experienced investors, brokers, and other professionals in the field.
  • Stay Informed: Keep up with market trends, regulatory changes, and economic indicators that affect note investing.

If you are considering investing in real estate notes but unsure how to get started, book a consultation with Nathan Turner, the founder of Earnest Investing today: Speak to Nathan or call 312-860-3747 to get started.

About Earnest Investing

Earnest Investing buys performing and non-performing 1st lien mortgages (secured by real estate). We help existing home owners and revitalize communities. Our investors earn an 8% return with a quarterly distribution on a passive investment. Banks regularly sell defaulted loans at a deep discount, creating an opportunity to purchase these loans with the property as collateral. Earnest Investing buys select loans and works directly with the borrower to collect or re-establish payments, or to take over ownership of the property for resale or creation of a new loan. Unlike traditional real estate, investing in mortgage notes offers flexibility and a variety of profitable options and exit strategies that add value and reduce risk. Our founder, Nathan Turner, is passionate about the business and the opportunities it creates for “win-win” solutions for the home owner, for you as the investor, and for Earnest Investing. 

 

 

 

 

 

 

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Decoding the Dilemma: Single Family Homes vs Note Investing

Single family homes or note investing? Both investments have their merits, but the decision ultimately hinges on individual preferences, risk tolerance, and the desired level of involvement in the investment. Let’s dissect the pros and cons to help you make an informed choice.

The Landlord’s Burden:

Investing in a single family home usually means wearing the landlord hat. While property ownership can be rewarding, the responsibilities can be demanding. As the landlord, you become the go-to person for every maintenance issue – from a backed-up toilet to a need for a new roof. The constant demand for attention can be both time-consuming and stressful.

The Passive Paradise of Note Investing:

Contrast this with the realm of note investing, particularly in a note fund. In this scenario, you won’t receive any calls about property issues. As the bank, you don’t get the call for a broken toilet or aging shingles. Instead, a team of seasoned experts takes charge of managing the investment on your behalf. The beauty lies in the simplicity – you get to relax while professionals handle the day-to-day intricacies.

The Cash Flow Conundrum:

In the single family home arena, cash flow is directly related to the occupancy status. If a tenant moves out, you suddenly find yourself with zero cash flow until a new renter is secured. This dependence on occupancy creates a level of uncertainty and urgency in maintaining consistent income. Even when it is occupied you need to be setting aside a portion of the income to go towards future maintenance and repairs, resulting in a lower return.

Note Fund Resilience:

Enter the note fund with its diversified portfolio of paying mortgages. Even if one or two notes were to default, the impact on your investment isn’t affected. The fund as a whole continues to generate good cash flow, providing a buffer against the occasional hiccup. This resilience ensures a more stable income stream compared to the unpredictability of single family home rentals.

Passive Prosperity:

The appeal of note fund investing lies in enjoying all the financial benefits without the hassles associated with property ownership. Whether actively managing single family homes or passively investing in a fund, the financial rewards can be comparable. The key distinction is the level of involvement and the peace of mind that comes with note investing.

So What’s Best?:

In the debate of single family homes versus note investing, the answer lies in personal preferences and investment goals. While single family homes offer tangible ownership, note investing in a fund provides a more hands-off, yet equally lucrative, approach. As you navigate this decision-making process, consider your desired level of involvement, risk tolerance, and the financial goals that align with your investment strategy. Whether it’s being a hands-on landlord or enjoying the benefits of a hands-off note fund, the choice is yours. If you are considering investing in real estate notes but unsure how to get started, book a consultation with Nathan Turner, the founder of Earnest Investing today: Speak to Nathan or call 312-860-3747 to get started.

About Earnest Investing

Earnest Investing buys performing and non-performing 1st lien mortgages (secured by real estate). We help existing home owners and revitalize communities. Our investors earn an 8% return with a quarterly distribution on a passive investment. Banks regularly sell defaulted loans at a deep discount, creating an opportunity to purchase these loans with the property as collateral. Earnest Investing buys select loans and works directly with the borrower to collect or re-establish payments, or to take over ownership of the property for resale or creation of a new loan. Unlike traditional real estate, investing in mortgage notes offers flexibility and a variety of profitable options and exit strategies that add value and reduce risk. Our founder, Nathan Turner, is passionate about the business and the opportunities it creates for “win-win” solutions for the home owner, for you as the investor, and for Earnest Investing. 

 

 

 

 

 

 

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Tax-Free Growth: Using IRAs for Real Estate Investing

Investing in real estate through an Individual Retirement Account (IRA) opens up a wealth of opportunities for tax-free growth. This strategy not only allows you to diversify your investment portfolio but also benefits from the compounding interest and the security of being in a first lien position on the note—all without the immediate tax burden.

Why Choose Real Estate Notes for Your IRA?

When it comes to IRAs, real estate note investing is a captivating option for several reasons:

  • Diversification: Adding notes to your IRA can reduce overall portfolio risk by diversifying your investment assets.
  • Inflation Hedge: Real estate often appreciates over time, providing a hedge against inflation.
  • Passive Income: Note investing can generate consistent cash flow, boosting your retirement savings without impacting your day-to-day finances.

The Mechanics of a Self Directed IRA

A Self Directed IRA (SDIRA) is a powerful tool that allows investors to hold alternative assets, such as real estate, in their retirement accounts. Here’s how it works:

  1. Setting Up an SDIRA: You need to set up an SDIRA with a custodian that specializes in these accounts. This custodian does not give investment advice but allows you to invest in a broader array of asset types. 
  2. Identifying Investment Opportunities: Once your SDIRA is established, you can start exploring real estate deals. This can include rental properties, commercial real estate, and even land.
  3. Executing Transactions: The SDIRA custodian will handle the purchase process, ensuring all transactions comply with IRS regulations.
  4. Managing the Investment: As the account holder, you’re responsible for the management, including dealing with tenants, repairs, and compliance with regulations.

Benefits of Tax-Free Growth

The primary allure of using an SDIRA for real estate is the potential for tax-free growth:

  • Tax-Deferred Gains: In a Traditional SDIRA, your investments grow tax-deferred. This means you won’t pay taxes until you withdraw the assets during retirement.
  • Tax-Free Gains: With a Roth SDIRA, you pay taxes upfront, but all withdrawals during retirement are tax-free. This is particularly beneficial if you anticipate being in a higher tax bracket later in life.

Considerations and Risks

While the prospects of using an IRA for real estate investment are enticing, there are considerations to keep in mind:

  • Prohibited Transactions: The IRS has strict rules about what constitutes a prohibited transaction with your SDIRA, such as self-dealing or benefiting personally from the assets.
  • Liquidity Issues: Real estate is not as liquid as stocks or bonds. You could face challenges if you need quick cash.
  • Cost Management: Properties come with expenses such as maintenance, taxes, and insurance, which you must cover using IRA funds.

Utilizing an IRA for note investing is a sophisticated strategy with the potential for significant tax-free growth. By understanding the mechanics and staying within regulatory boundaries, investors can effectively harness the power of real estate to bolster their retirement funds. As with all investments, due diligence and careful planning are key to unlocking the full benefits of an SDIRA. Make sure to consult with financial and tax advisors to align your investment strategy with your long-term financial goals.

If you are considering investing in real estate notes but unsure how to get started, book a consultation with Nathan Turner, the founder of Earnest Investing today: Speak to Nathan or call 312-860-3747 to get started.

About Earnest Investing

Earnest Investing buys performing and non-performing 1st lien mortgages (secured by real estate). We help existing home owners and revitalize communities. Our investors earn an 8% return with a quarterly distribution on a passive investment. Banks regularly sell defaulted loans at a deep discount, creating an opportunity to purchase these loans with the property as collateral. Earnest Investing buys select loans and works directly with the borrower to collect or re-establish payments, or to take over ownership of the property for resale or creation of a new loan. Unlike traditional real estate, investing in mortgage notes offers flexibility and a variety of profitable options and exit strategies that add value and reduce risk. Our founder, Nathan Turner, is passionate about the business and the opportunities it creates for “win-win” solutions for the home owner, for you as the investor, and for Earnest Investing. 

 

 

 

 

 

 

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Top 3 Reasons Note Investing Works

Amid the vast landscape of investment options, note investing stands out as a great option. Note investing offers a unique blend of security, flexibility, and passive income. Let’s look into the top three reasons why note investing works, addressing some common questions and demystifying this investment class.

The Call of Capital

A question that I often get is, “Why would anyone want to sell their note?” The answer is in the inherent nature of notes. The note itself establishes the terms of how much a borrower pays, the interest rate, and the repayment period. Many note holders, including banks, are very interested in the possibility of receiving a lump sum today rather than waiting for payments over several years. The immediate influx of capital provides the note seller with flexibility for other investments. Whether it’s home renovations, funding a child’s education, or extracting the capital to invest into another business venture – selling a note unlocks opportunities. As a note investor, this creates a marketplace of notes available for purchase, setting up both parties for a win-win scenario.

Networking and Discovery

“Where do you find notes to buy?” This is one of the other most common questions I get. While note investors are often open about their journey and experiences, the secret sauce lies in where they find these investment opportunities. Networking often proves to be the most productive and useful way to uncover any potential notes for sale. I have cultivated relationships over the years by attending conferences, and building a network of contacts. The art of finding notes involves a combination of industry knowledge, experience, and a network that covers the landscape of real estate and finance. You’ll hear it said over and over that note investing is built on relationships and relationships are built one at a time, over time.

Navigating Defaults with Flexibility and Empathy

Another common concern in note investing is, “What happens if the person in the house stops paying?” This is where the beauty of note investing truly shines. Unlike the unforgiving processes often associated with traditional banks, note investors can approach defaults with flexibility and empathy.  The secret here is that, although I act as a bank collecting borrowers’ monthly payments, I’m not a bank. Before buying a note, a I assess the underlying collateral – the property itself – ensuring sufficient equity to cover the worst-case scenario, foreclosure. If a default occurs, I, being human and not a bank, have the ability to understand the borrower’s situation. This flexibility allows for collaborative solutions to get the borrower back on track. Most if not all note investors will have stories of success in helping people retain their homes, demonstrating that note investing is more than just financial a transaction; it becomes a vehicle for positive impact.

What Next? 

In the realm of investment opportunities, note investing is a testament to the power of strategic thinking in financial decisions. The call of capital, the art of networking, and the ability to navigate defaults with flexibility and empathy collectively contribute to a solid investment. Can you name another investment as secure, passive, and unique as notes secured by real estate? If you’re seeking an investment avenue that checks all these boxes, consider joining me on a journey that blends financial success with positive impact. By strategically investing in notes, investors can benefit from long-term growth that real estate offers while diversifying from the stock market. If you are considering investing in real estate notes but unsure how to get started, book a consultation with Nathan Turner, the founder of Earnest Investing today: Speak to Nathan or call 312-860-3747 to get started.

About Earnest Investing

Earnest Investing buys performing and non-performing 1st lien mortgages (secured by real estate). We help existing home owners and revitalize communities. Our investors earn an 8% return with a quarterly distribution on a passive investment. Banks regularly sell defaulted loans at a deep discount, creating an opportunity to purchase these loans with the property as collateral. Earnest Investing buys select loans and works directly with the borrower to collect or re-establish payments, or to take over ownership of the property for resale or creation of a new loan. Unlike traditional real estate, investing in mortgage notes offers flexibility and a variety of profitable options and exit strategies that add value and reduce risk. Our founder, Nathan Turner, is passionate about the business and the opportunities it creates for “win-win” solutions for the home owner, for you as the investor, and for Earnest Investing. 

 

 

 

 

 

 

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Leveraging Retirement Funds to Tap into Real Estate Opportunities

Retirement funds, often seen as a future financial safety net, can serve as powerful instruments for expanding your investment horizons, particularly in the realm of real estate. With the growing complexity and volatility of traditional markets, many investors are searching for alternative avenues that offer both security and growth potential. Enter the world of real estate and the strategic use of Self-Directed IRAs. SDIRAs have become more mainstream than ever before. Gone are the days of investing in some index fund or ETF that your brokerage firm offers you because it’s on their platform. SDIRAs have allowed investors like yourself to invest outside the stock market and into alternatives. Not sure what an alternative investment is? One example is real estate!

Why Consider investing in Real Estate?

Investing in real estate offers multiple advantages:

  1. Tangible Asset: Unlike stocks or bonds, real estate is a physical asset. It not only provides utility but also carries intrinsic value.
  2. Stable Income: Real estate properties can generate a steady rental income, offering a reliable cash flow.
  3. Appreciation Potential: Over time, real estate values tend to appreciate, contributing to an increase in wealth.
  4. Diversification: Adding real estate to your investment portfolio offers diversification, reducing overall risk.

Using a Self-Directed IRA to Invest

A Self-Directed IRA (SDIRA) empowers investors with the flexibility to choose alternative investments beyond traditional assets. Here’s how you can utilize it to tap into real estate:

  • Setup: Open a Self-Directed IRA account with a custodian who permits real estate investments.
  • Funding: Transfer or rollover funds from existing IRA accounts into your SDIRA.
  • Investment Choices: Choose from various real estate options such as residential properties, commercial buildings, or even raw land.
  • Management: Follow IRS rules to ensure compliance, such as not using the property for personal use or dealing with disqualified people.

Key Considerations

  • Tax Benefits: Investing through an SDIRA can provide tax advantages, with profits reinvested into the IRA allowing for deferred taxation.
  • Due Diligence: Conduct thorough research and due diligence before purchasing properties to ensure a sound investment.
  • Professional Advice: Engage with financial advisors or real estate experts to navigate the complexities of the market and IRS regulations.

Leveraging retirement funds to invest in real estate can be a transformative strategy, turning the often-idle potential of retirement into active growth opportunities. By strategically employing a Self-Directed IRA, investors can benefit from the robust, long-term growth that real estate offers while enjoying tax advantages and diversifying their investment portfolio. If you are considering investing in real estate with retirement funds, but unsure how to get started, book a consultation with Nathan Turner, the founder of Earnest Investing today: Speak to Nathan or call 312-860-3747 to get started.

 

 

 

 

 

 

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