My professional real estate background started with residential sales in the Bay Area with Cornish and Carey. I moved to Sacramento in 1989 and went into to commercial real estate sales with Ferris Properties, we were involved in all aspects of commercial real estate sales and development.Merchant Investments was formed in 1992 and we have provided hard money commercial loans on all types of commercial property, including but not limited to, industrial, office, retail, raw land, residential and commercial lots, residential and commercial development, churches, gas stations cattle ranches, construction and rehab. Over that period of time our investors have realized returns from 8% to 15Specialties: I have the experience and knowledge to evaluate a wide variety of commercial real estate lending and aquisition opportunities that will provide excellent returns with maximum safety and security for our investors.