Frequently Asked Questions
Everything You Need to Know About Real Estate Success with DFY
What exactly is “Done For You Real Estate?”
Done For You Real Estate is a comprehensive real estate investment company that not only simplifies and streamlines the investment process for our clients but also utilizes and emphasizes the importance of financial mindset and real estate education.
al Estate. Do Real Estate,” highlights our commitment to empowering clients through knowledge and practical application. We coordinate expert teams of licensed professionals who handle all aspects of the investment journey on behalf of our clients while ensuring they retain 100% of the financial benefits associated with owning investment real estate.
Utilizing our unique Moneyball Real Estate System, our expert teams manage everything from finding the ideal property, securing tailored financing options, overseeing renovations and insurance, to tenant placement and property management. Additionally, we offer annual game plan, property, and market reviews to continually optimize and enhance our clients’ investments.
DFY’s primary goal is to help hardworking individuals achieve tangible financial returns through real estate investing, one investment property at a time. By providing education and coordinating teams of licensed professionals to do 95% of the work, clients can keep 100% of the profit while gaining a deeper understanding and belief in the power of real estate investing.
How do I begin my real estate investing journey with DFY?
Starting your real estate investing journey is an excellent decision for anyone looking to build wealth and secure their financial future. We understand that taking the first step can be intimidating, which is why DFY offers a complimentary consultation and emphasizes education, ensuring you have a solid foundation of knowledge.
During this consultation, our expert coaches will introduce you to our process, address any questions you may have, and help you determine if real estate investing aligns with your goals. We will explore your objectives, risk tolerance, and investment timeline, ultimately crafting a customized investment strategy tailored to your needs.
Whether you are an experienced investor or a newcomer to the field, DFY provides the necessary tools, resources, and expertise to support your success in real estate investing. With our focus on “Learn Real Estate. Do Real Estate,” you’ll gain the confidence to make informed decisions.
What advantages does real estate investing offer compared to other investment options?
Real estate investing presents a range of unique benefits that may not be found in other investment types. These investments can generate consistent passive income through rental earnings and offer potential long-term appreciation in property value. Real estate investing also comes with tax advantages, such as deductions for mortgage interest, property taxes, and depreciation. Moreover, it can serve as a safeguard against inflation since property values and rental rates typically rise over time. A frequently underestimated advantage of real estate investing, especially when utilizing investment mortgage financing, is having tenants cover your expenses. This means your tenants pay your principal, loan interest, taxes, insurance, and even provide additional cash flow. Lastly, real estate investing grants a tangible sense of ownership and control over your investment, setting it apart from stocks, mutual funds, or other financial assets where control is limited.
With DFY’s focus on “Learn Real Estate. Do Real Estate,” we aim to equip you with the knowledge and support needed to capitalize on these advantages and build a secure financial future. Our comprehensive approach makes real estate investing accessible for everyday people and empowers you to take control of your financial destiny.
What are the potential risks and rewards associated with real estate investing?
Real estate investing can offer substantial rewards. One notable reward is the potential for long-term appreciation, as property values may rise over time, leading to profits upon sale. This increase in value also tends to boost passive income, as rents generally rise alongside property values in a given area. Additionally, real estate investments can provide tax advantages, such as deductions for mortgage interest, property taxes, and depreciation.
Conversely, real estate investing does carry some risks. Market fluctuations can influence property values, leading to losses if the property is sold during unfavorable conditions.
Unanticipated expenses, like repairs or maintenance, can also affect the investment’s profitability. Another risk involves vacancy periods, during which the property does not generate rental income. However, with well-planned strategies and the support of seasoned professionals, these risks can be effectively managed. In addition, as long as you hang on to a property for at least 5 years, you will almost always create significant profitability, even during tumultuous market conditions.
At DFY we emphasize the importance of understanding both the risks and rewards associated with real estate investing. We empower our clients with the necessary knowledge and support to navigate these risks and capitalize on the rewards, helping them build a secure financial future through real estate investing.
What are the fees and costs associated with working with Done For You Real Estate?
Our primary fee is the T.E.A.M.S. Fee, a one-time charge of $6,995 per property. This fee encompasses everything our expert team of licensed professionals does for you, from education and pre-approval to property acquisition and ongoing support. We also earn a commission from the buyer’s agent commission on the property purchase. We do not profit from property management; however, our fully integrated property manager, Specialized Property Management, charges a flat $109 a month, regardless of rent or purchase price.
There may be other expenses related to owning and managing a real estate investment property, such as property taxes, insurance, repairs and maintenance, and vacancy costs. Our expert team of licensed professionals works with clients to help them understand and plan for these costs as part of their overall investment strategy. We pride ourselves on being transparent about all fees and costs associated with our services, allowing our clients to make well-informed decisions about their investments.
We’re committed to providing valuable education and resources that empower our clients to make informed decisions regarding their real estate investments. We believe that by fostering a strong understanding of real estate investing, our clients will be better equipped to navigate the costs and fees associated with their investment journey.
What is the process of working with Done For You Real Estate from start to finish, and how long does it typically take?
The process with Done For You Real Estate begins with a complimentary consultation with one of our expert coaches. After determining that real estate investing is the right path for you, we’ll assist you in getting pre-approved for financing within 7 days and commence the search for properties that align with your investment objectives. Our team will vet and prepare a comprehensive property analysis for each suitable property, and our in-market agent will present these properties to you. Our goal is to have you under contract within 10 days of starting to shop for properties. Once you choose a property to purchase, our coordinated teams of licensed professionals manage everything else, from due diligence and negotiations to property acquisition and ongoing support. We aim to close on the property within 30 days of being under contract, which means the entire process generally takes around 6 weeks from start to finish.
Throughout the process, we’ll supply you with educational resources and support to help you make informed decisions about your investments. Our team of expert real estate agents, lenders, and property managers will guide you through each step, providing a seamless and successful investment experience. After the property acquisition, our property management partner, Specialized Property Management, assumes responsibility for all property management aspects, including tenant search and screening, rent collection, and maintenance. Our primary aim is to make the entire process as hassle-free as possible for our clients, allowing them to focus on reaping the rewards of real estate investing.
What is the role of Done For You Real Estate's dedicated coaches in the investment process?
At Done For You Real Estate, our dedicated coaches play an essential role in guiding clients through the real estate investment process. Their primary responsibility is to understand each client’s unique financial objectives, risk tolerance, and investment timeline. Based on this understanding, our coaches collaborate with clients to formulate a personalized real estate investment strategy that caters to their individual needs.
Throughout the entire investment process, our dedicated coaches offer ongoing support and guidance. They help clients assess potential properties, navigate the acquisition process, and secure financing. Moreover, our coaches aid clients in optimizing their investment portfolios by conducting annual property and market reviews and implementing adjustments as required to ensure long-term success.
In addition to providing tailored advice and support, our dedicated coaches also serve as a single point of contact for all of our clients’ real estate investment needs. This enables clients to depend on their coach to coordinate with other members of our expert team, such as property managers, contractors, and lenders, guaranteeing a seamless and efficient investment experience. Furthermore, our coaches embody our “Learn Real Estate. Do Real Estate.” approach, ensuring clients receive the necessary education and resources to make well-informed decisions throughout their investment journey.
What type of real estate investment properties does Done For You Real Estate specialize in?
Done For You Real Estate specializes in single-family residential investment properties, specifically 3 bedroom, 2 bathroom, 2 car garage homes in middle-class suburban neighborhoods. Our focus on this asset class enables us to offer clients a stable, predictable, and conservative approach to building wealth through real estate. Single-family residential properties present several advantages for investors, such as robust demand, steady cash flow, and the potential for long-term appreciation.
We source high-quality properties in meticulously chosen markets across the United States. Once our clients close on the property, our team at Specialized Property Management begins the rehab process, the tenant screening process, and the tenant selection and placement process. Our stringent property selection and management process guarantees that clients receive income-generating assets that align with their investment objectives and risk tolerance. Moreover, our emphasis on education ensures clients have a clear understanding of the investment process and the benefits associated with single-family residential properties in desirable suburban neighborhoods.
What are the tax implications and benefits of investing in real estate?
Real estate investing can offer significant tax benefits, including deductions for mortgage interest, property taxes, repairs and maintenance, and more. Additionally, if you hold onto a property for over a year, any profit you make upon selling it is considered a long-term capital gain, which is typically taxed at a lower rate than ordinary income. However, it’s important to consult with a tax professional to understand your individual tax situation and how real estate investing may affect it.
It’s worth noting that real estate investing can also offer some unique tax strategies, such as 1031 exchanges, which allow you to defer taxes on the sale of one property by using the proceeds to purchase another similar property. At Done For You Real Estate, we work closely with our clients to help them understand the tax implications and benefits of real estate investing as part of our “Learn Real Estate. Do Real Estate.” approach, and can refer them to trusted tax professionals for guidance.
How does your company simplify the real estate investment process for someone with little to no experience in real estate?
At Done For You Real Estate, we simplify the real estate investment process for individuals with little to no experience in the field by providing a one-stop-shop for the entire investment journey. Our team of licensed professionals handles everything from education and pre-approval to property acquisition and management, taking care of the vast majority of heavy lifting so our clients can enjoy the financial benefits of real estate investing without the headaches.
One of the biggest advantages of working with us is that you won’t have to sift through 40-50 properties to find the ‘good one.’ We do all of that heavy lifting for you. Our rigorous selection criteria means that all the bad properties are weeded out before you ever see them. You will only see ‘good ones,’ and every property you see at DFY will be a purchase-worthy property.
We also offer ongoing support and resources to ensure our clients feel confident and informed throughout the investment process. Our goal is to make real estate investing as easy and accessible as possible, so our clients can focus on building their wealth and achieving financial independence.
What kind of returns can I expect from real estate investments compared to traditional financial retirement planning options, such as stocks and bonds?
Real estate investments typically offer higher potential returns than traditional financial retirement planning options such as stocks and bonds. Our Moneyball Real Estate system has been designed to produce predictable, conservative, short-term, buy-and-hold investments in the right markets and at the right prices. We help our clients achieve economic independence by eventually owning ten properties that will replace their income.
It’s important to note that the returns on real estate investments can vary based on several factors such as the specific property, location, market conditions, and management. However, real estate investing can provide a stable, passive income stream that can outperform the returns of stocks and bonds over the long term. Additionally, real estate investments can offer unique tax benefits and appreciation potential, which may further enhance their returns compared to traditional financial retirement planning options. At Done For You Real Estate, we work with our clients to identify investment properties that align with their financial goals and provide them with the potential for solid returns.
Do you do anything other than Single Family Homes? If not, Why?
At DFY, we focus exclusively on single-family residential real estate investments. We believe that this niche provides the best opportunity for our clients to achieve their financial goals through real estate investing. Single-family homes are the most stable and reliable investment properties due to the demand for housing, as well as being typically more affordable than multi-family properties or commercial real estate. Furthermore, single-family homes tend to appreciate in value over time, providing a hedge against inflation and an opportunity for long-term wealth creation. Single-family homes also offer the most liquidity, as they can be purchased by investors, families planning to occupy the property, or even institutional buyers. You can potentially refinance cash out of the property with a mortgage refinance or a Home Equity Line of Credit.
By specializing in single-family homes, we can devote all of our resources and expertise to this specific market segment, providing the highest level of service and support to our clients. We believe that this focused approach has been instrumental in our success over the years and has allowed us to help countless investors achieve financial independence through real estate investing.
How does DFY identify the investment markets that they source homes in? What are the key criteria for a good investment market?
DFY employs a data-driven approach to identify the investment markets for sourcing homes. This involves evaluating various factors, including economic indicators such as job growth, wage growth, and unemployment rates; demographic factors such as population growth, median income, and education levels; geographic factors like weather, transportation infrastructure, and proximity to amenities; and investor-friendly factors, including property tax rates, rent rates, and eviction requirements.
DFY’s key criteria for a good investment market are:
Economic stability and growth potential: DFY seeks markets with strong job growth, wage growth, and low unemployment rates, as these factors contribute to a stable and growing economy, crucial for attracting and retaining renters.
Favorable demographic trends: DFY targets markets with growing populations, diverse economies, and highly-educated workforces, which help create stable and growing rental markets.
Affordable home prices: DFY searches for markets where median home prices are lower than the national average, making it easier for investors to acquire properties that generate positive cash flow.
Strong rental demand: DFY assesses rental demand in a market by analyzing vacancy rates, rent rates, and price-to-rent ratios, targeting markets with robust rental demand and high rent rates relative to home prices.
Investor-friendly regulations: DFY takes local regulations and eviction requirements into account when evaluating a market, looking for areas where landlords enjoy strong legal protections and a favorable regulatory environment.
How do you help clients with limited time or resources to devote to real estate investing, manage their investments effectively?
We recognize that many of our clients have limited time and resources to dedicate to real estate investing. To address this, we offer a comprehensive, hands-off approach to property management through our fully integrated property management system. Our Specialized Property Manager charges a flat $109 a month, regardless of the property’s rent or purchase price, handling tenant management, maintenance, repairs, and rent collection. This arrangement allows clients to focus on their day-to-day activities while still reaping the benefits of owning investment real estate.
Beyond property management, our property management partner, SPM, also provides regular reports on our clients’ properties’ performance, including occupancy rates, rent collections, and maintenance expenses. This ensures that clients stay informed and can make educated decisions about their investments, even with limited time available. Furthermore, we offer ongoing support and guidance so that our clients can feel confident in their investment decisions and achieve the best possible returns.
What does it take to qualify to do real estate with our company?
To qualify to do real estate with our company, you must have a minimum of $75,000 to $100,000 in available liquid funds for your first property. This amount covers your down payment, closing costs, and any minor fix-up expenses that may be required, as well as our $6,995 T.E.A.M.S. fee.
In addition to meeting the financial qualifications, we also require that our clients have a good credit score, typically 680 or higher, and a steady source of income. We work with our clients to help them get pre-approved for financing and ensure that they are financially prepared to invest in real estate. Our team of expert coaches can guide you through the qualification process and help you determine if real estate investing is right for you.
Do I retain ownership of the property once I buy it?
Yes, you retain full ownership of the property once you buy it. Our company and teams of licensed experts assist in every aspect of the real estate investment process, from acquiring the property to managing it for you, but you maintain full ownership and control throughout the process. At Done For You Real Estate, we believe that our clients should have complete control over their investments. We assist with the purchase process and provide ongoing support, but the property is always owned by our clients. This means that they are free to sell the property as they see fit. Our clients own the property 100%, retain 100% of the financial benefits of their real estate, and take title to the property.
What are the key factors to consider when evaluating a real estate market?
When evaluating a real estate market, there are several key factors to consider:
Local economy: A strong and diverse economy can lead to higher demand for real estate and higher property values. Look for areas with steady job growth, low unemployment rates, and a mix of industries.
Population growth: Growing populations indicate a healthy demand for housing, which can contribute to increasing property values. Look for areas with positive population growth trends.
Job growth: Job growth is a critical factor in driving demand for housing. Areas with strong job growth are likely to have higher demand for real estate and can lead to increased property values.
Crime rates: Lower crime rates contribute to a more desirable living environment and can have a positive impact on property values. Look for areas with low or decreasing crime rates.
School district quality: High-quality school districts can attract families and increase the demand for housing in the area. Research the quality of local schools when evaluating a market.
Local government policies: Local government policies can have a significant impact on the real estate market. Look for areas with investor-friendly policies and regulations.
Infrastructure and amenities: Good infrastructure, such as transportation networks, and access to amenities like shopping, dining, and recreation can make an area more attractive to potential renters and homebuyers.
At DFY, we have a thorough market selection process that evaluates these and other factors to identify the most promising investment markets for our clients.
How can I leverage financing options for my real estate investments?
There are several financing options available for real estate investments. At DFY, we focus on conservative and predictable financing strategies to help our clients achieve stable results. We primarily recommend conventional 30-year fixed-rate loans, which offer long-term predictability and stability for our clients.
For clients with retirement funds, we also facilitate the purchase of real estate investments using self-directed IRA funds. However, it’s important to note that when using self-directed IRA funds, the property must be purchased outright without financing.
Another financing option we recommend is cash-out refinances, which allows investors to take out a new loan on their existing property and use the cash to purchase additional properties. Our team of experts and lending partners can guide clients through the process of selecting the best financing option and structuring a loan that works for their investment goals and financial situation while maintaining a conservative and predictable approach.using a HELOC (Home Equity Line of Credit). A HELOC allows you to access your home’s equity as collateral, providing cash for various expenses, including real estate investments, while potentially enjoying lower interest rates than other forms of credit.
Lastly, we support the strategy of using a HELOC (Home Equity Line of Credit). A HELOC allows you to access your home’s equity as collateral, providing cash for various expenses, including real estate investments, while potentially enjoying lower interest rates than other forms of credit.
How do I manage and maintain my real estate investment properties?
Managing and maintaining real estate investment properties can be time-consuming and challenging, which is why many of our clients choose to use our property management services. Our fully integrated property management partners handle all aspects of property management, including tenant screening, rent collection, maintenance and repairs, and lease renewals. They also provide regular property inspections and comprehensive financial reporting to keep our clients informed about their property’s performance.
Using a property manager saves significant time and money for an investor that doesn’t live in the state where their property is located, as the manager handles all aspects of tenant management, maintenance, and repairs, while also providing expert advice and timely communication. A really good property manager has all the necessary teams and experts at their disposal and can provide valuable resources such as Specialized Property Management’s proprietary technology, Rental IQ, which helps optimize rental prices and reduce vacancy periods.
How does your real estate investment company differentiate itself from competitors?
DFY Real Estate sets itself apart from competitors in several significant ways. We are a fully integrated real estate investment company that provides a comprehensive suite of services, including market analysis, property acquisition, property management, and portfolio optimization. Our team has a deep knowledge of the markets we serve and a proven track record of delivering exceptional returns to our clients.
We pride ourselves on our conservative and predictable approach to investing, which sets us apart from competitors who may prioritize quick returns over long-term stability. Our Moneyball Real Estate system identifies and invests in the best-performing markets and properties to achieve economic independence for our clients. Additionally, our commitment to transparency and personalized service means that we work closely with each client to understand their unique financial goals and help them build a customized real estate investment portfolio that aligns with their needs.
Our track record of assisting clients in transacting over $1 billion of single-family residences and helping clients increase their net worth by over $175 million in 2022 further distinguishes us from our competitors. DFY Real Estate’s upfront and transparent fees, revenue model, and focus on hitting real estate singles through a conservative and consistent approach to property investing also set us apart. We offer on-demand and unlimited inventory across multiple markets, full doc pre-approval, increased property management accountability, and industry-leading customer service with annual property and market reviews.
Unlike turnkey companies that appreciate you only until you complete a purchase and then ask you not to call again until you’re ready for another deal, DFY Real Estate treats you as part of the family. We ensure at least an annual meeting to discuss and adjust your game plan according to your goals. Our expertise and experience in optimizing portfolios, derived from assisting thousands of clients like you, help us guide you in reaching your objectives.
At DFY, we are a one-stop real estate investment shop, handling 95% of the work. However, our properties are not occupied when our clients close. After closing, our property management partners, who are physically present in the market, coordinate and initiate the rehab process. This may take 30-60 days to have the property rented out, but our property management partners manage all the hassles, saving our clients from spending time coordinating the process themselves. As part of the DFY family, we provide ongoing support and consultations to optimize our clients’ portfolios and help them achieve their goals.
How do you handle property management, and what services are included in your management fees?
At DFY Real Estate, we handle property management through our property management partners, who charge a flat fee per property instead of basing their fees on a percentage of the property’s monthly rent. We believe in full transparency and provide our clients with detailed financial reports that show all income and expenses associated with their properties. Our property management partners’ services include tenant screening, rent collection, maintenance and repairs, lease renewals, regular property inspections, and comprehensive financial reporting.
Working with a property manager can save significant time and money for an investor who doesn’t live in the state where their property is located. A good property manager can handle all the headaches of property management and has all the necessary experts and teams on hand. We partner with Specialized Property Management, which utilizes proprietary technology like Rental IQ to maximize the performance of our clients’ properties. This ensures our clients receive high-quality services at very fair and affordable prices.
What is your strategy for finding and retaining high-quality tenants for the rental properties?
Our strategy for finding and retaining high-quality tenants involves comprehensive tenant screening, which includes background checks, credit checks, employment verification, and rental history verification. We also offer competitive rents and maintain our properties to a high standard to ensure tenant satisfaction. Our team communicates regularly with tenants and provides timely maintenance and repair services to meet their needs.
In addition, we partner with Specialized Property Management to deliver professional property management services that help attract and retain high-quality tenants. Specialized has an excellent reputation for providing outstanding tenant services and maintaining strong relationships with tenants, resulting in low vacancy rates and consistent rental income for our clients. Through this partnership, we can leverage their expertise to ensure our clients’ rental properties are managed effectively and efficiently.
Can DFY help me with lending services if I don't purchase an investment home/in one of their investment markets?
DFY Real Estate does not provide lending services for clients who do not purchase an investment home in one of our markets. However, we can provide recommendations for reputable lenders in your area. We primarily focus on providing comprehensive real estate investment services to our clients in our select markets.
Working with our mortgage brokerage, Strategic Lending, provides several benefits, including access to a wide range of loan options, competitive rates, and exceptional service from our team of experienced loan officers. Our mortgage brokerage is fully integrated with our real estate investment company, allowing us to streamline the financing process for our clients and ensure a seamless experience from start to finish.
In addition to providing access to a variety of financing options, we also own Strategic Lending, our mortgage brokerage that specializes in investment loans. Over 97% of the loans we close are investment loans, making us a rare and valuable resource for real estate investors. Our clients also have a 0% default rate on investment loans we’ve brokered, a testament to our commitment to finding the right financing solutions for each individual client.
Our loan officers work closely with our in-market real estate agents and the client’s acquisition coach to ensure full communication throughout the pre-approval, lending, closing, and funding process. This ensures a seamless and efficient experience for our clients, with all parties working together towards the common goal of helping our clients achieve financial independence through real estate investing.
How do you monitor and optimize the performance of the properties in your clients' portfolios?
We monitor the performance of our clients’ properties through regular property inspections and comprehensive financial reporting provided by our Property Management partners. We also use data analysis and market trends to identify opportunities to optimize our clients’ portfolios through something we create and deliver called an Annual Game Plan Report. We work closely with our clients to ensure their investment goals are being met and make adjustments to their portfolios as needed.
Because of our annual game plan reports, we have insight into hundreds of clients’ successes and results. We use and compile all that information to qualitatively improve each client’s experience as they continue with their own investment portfolios.
In addition to regular property inspections and financial reporting, we also have a dedicated team that focuses on optimizing the performance of our clients’ properties. Our team utilizes cutting-edge technology and data analysis to identify opportunities for improving property performance, such as rent increases, cost savings, and property upgrades. We also regularly review market trends and conditions to ensure our clients’ portfolios are positioned to take advantage of emerging opportunities. Our goal is to provide our clients with a proactive approach to property management that maximizes their investment returns and minimizes their risk.
How does your company help mitigate the risks associated with real estate investing, particularly for someone approaching retirement age?
At DFY Real Estate, we understand the importance of mitigating risks associated with real estate investing, especially for those nearing retirement age. We take a conservative approach to investing, focusing on cash flow properties that provide stable income streams.
Our team of experts carefully analyzes market trends, uses data-driven research to identify stable investment opportunities in emerging markets, and ensures that properties are well-maintained and in compliance with local laws and regulations. We also have a 0% default rate on mortgages facilitated on our clients’ investment properties through Strategic Lending.
Additionally, we offer ongoing support and guidance to our clients to help them make informed investment decisions that align with their financial goals and risk tolerance. Our one-on-one approach ensures that our clients always have a team of experts at their disposal to help navigate all the ins and outs of real estate. We also want to emphasize that we have never had a client lose money on a property if they have followed our recommendations for property improvements, holding periods, and market timing.
Finally, we believe that if you give real estate time, it will always make you money, as evidenced by the fact that no one who bought a home in the 1980s for double-digit interest rates and held onto it for 20+ years would have ever regretted that purchase. The same principle holds true in any real estate market. There is never a bad time to buy, only bad times to sell.
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Kevin Clayson & Steve Earl
DFY Real Estate, co-founded by Kevin Clayson and Steve Earl, empowers individuals to achieve financial independence through accessible real estate investing using their "Moneyball Real Estate System."
No Investment Advice: The information provided to you by us is for information, education and instructive purposes only. We are not a licensed investment advisor and do not intend to provide you any investment advice. Although we may provide information and education relating to real estate investment approaches and where to acquire real estate properties, you should not construe any information, features, tools or other content provided by us as legal, tax, investment or financial advice. We are not acting as agent for any entity offering its securities. Nothing contained in the materials or the presentations provided to you shall be taken by you (or is meant to be taken by you) as a solicitation, recommendation, endorsement or offer by us or any third party to buy or sell any securities or other financial instruments. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information provided to you before making any decisions based on the information and services provided to you. In exchange for the services provided to you, you agree not to hold us or any of our employees or affiliates liable for any possible claim for damages arising from any decision you make based on information made available to you. No investment, legal or tax advice is given to you and you should consult your own licensed tax, legal or other advisors for such advice before you implement your financial decisions. No information that we give or provide to you shall be construed by you as a recommendation by us to invest the equity in your home or in any retirement or savings accounts. If you believe that any of our services provided to you are not consistent with the statements herein, contact us immediately so that we can clarify and/or modify any presentations to be consistent with this Agreement. You agree to indemnify us for any damages, losses or expenses that we incur as a result of any claims or statements by you that we provided services to you in violation of this section.
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