The owner must put in plumbing and wiring at his own expense. Frequently he performs the labor himself and contributes what is known in the building and mortgage business as "sweat equity." The dealer creates the mortgage which covers the land, the shell and all completion costs and labor. This mortgage he will sell so as to yield the investor about 15% return. It is a first, not a second, mortgage, and in addition it carries full recourse by the builder. If the home owner defaults, the builder must pay off the balance due the investor.


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