A. R. -- Canada, Ontario: "I have been a renter for years because of credit problems. The banks wouldn't touch me. I just wanted to take a moment to thank you, Manny, for helping me buy the home I was renting. You helped make me a home owner when the banks I applied at failed."

B. P. -- Greenville, SC: "You'll be glad to know that I am now the owner of a good four-plex here in Greenville! I started collecting rents January 1st. The owner of another property I made an offer to rejected my first offer but offered me three other properties. Thanks for your help."

R. J. -- Phoenix, AZ: "With a background in mortgage banking, I have been forced to turn away many applicants with less than perfect credit. Even when I can approve applicants with impaired credit their interest rates increase drastically over what an applicant with good credit can expect. The higher interest rate will cause their monthly payment to skyrocket causing yet another problem. In addition, mortgage-banking firms will generally require a larger down payment from people with credit impairments, which again causes an additional complication for the applicant.

What Manny Protopapas has done is very unique and works for all the applicants the normal mortgage banking channels cannot. I plan on referring all my clients with credit problems (those I cannot get approved through the normal banking channels) to Manny. No one likes to say no to an applicant, and I'm one mortgage officer that no longer has to. Manny has been a great help to a very large number of people, and I highly recommend him."

R. R. -- Greensboro, NC: "I already had a property in mind when I got started. Within one week of starting I flipped a property for a quick $3,000 profit. I never thought it was possible to make money so quickly and so easily."

J. F. -- Cleveland, TN: "Less than ten days after we made the offer we were starting to move into our new building. The owner was thrilled and we got into the building a lot cheaper (we didn't pay any closing costs either). No hassles. No red tape. No waiting for the banks to say "yes" (or "no"). It was the fastest and easiest Real Estate deal I had ever done."

W. R. -- Los Angeles, CA: "I wanted to let you know that for the fee I spent for your real estate concept I feel I have received 1000 times the value. When you consider the multi-faceted ways your concept can be applied for financial security it boggles your mind."

V. R. -- Charleston, WV: "I've always wanted my own real estate business and now I have it. In two weeks of working with you I've already made $2,500. I see no limit to how much money I can earn."

R. S. -- Iowa City, IA: "I just recently got started and must admit I'm very excited about the opportunities this presents. I look forward to working with you for a long time to come. I hope to start referring some offers to you within a couple of weeks. I'll be in touch. Once again thanks and I look forward to working with you."

S. W. Canton, OH: "This is just a short note to let you know how much we appreciate having someone like you to work with. We have had some hard times and I'm so happy that someone has designed their company to help others. Thank you so much for your help."

D. G. -- Belleview, FL: "Your help has really meant a lot to me. I really have a feeling of self-confidence that I'm in control of my future. Thank you for your help in acquiring the 12 unit office building... and you have been a GREAT help on the phone."

V. B -- Fayetteville, NC: "Just wanted to share with you the wonderful results I've had over the past four weeks. I was able to acquire a single-family rental home and have already found a buyer for the property. Once the property is sold, I'll clear about $10,000 profit. I never could have done this without your help."

F. S. -- St. Louis, MO: "I would like to thank Manny. You've helped me achieve my dream of acquiring investment real estate faster and easier than I ever would have thought possible. In fact, I was able to acquire not one, but three properties within a month. For one who has never owned real estate due to a poor credit history, I did not think that I would ever qualify through a bank or any lending institution. To my surprise I didn't have to. My life has changed for the better. I am in a position to pursue financial independence now."