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TX | 288148 | Friday, June 18, 2021

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Set Up A Dba In Texas? Hi my name is StRobert sh c. I am registering my real estate investor, the business name is Pep REAL Estate Solutions Si Xel Nexas and I live in Killeen, TX.

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What are the requirements for real estate investor real estate investor legal registration? I'm wondering what licensing do I need for real estate investor. i e what is the first step because I am planning to open my own business real estate investor thus I was wondering Set Up A Dba In Texas? Should a real estate investor real estate investor in Killeen, Texas need to reflect on perhaps an LLC Formation Permits and Tax IDs Required To Start my Own New Business 76549, :

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Most Likely will Hire employees real estate investor in Killeen,   Bell County, Texas Opening a business in Killeen?

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All real estate investor real estate investor business (including home mobile and online -- regardles of the type) are required to get a(n) in Killeen businesses, MUST Obtain a(n) Business License business license.

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real estate investing / matching sellers and buyers / all 50 states from my home? What is a DBA? DBA stands for Doing Business As. It is an abbreviation for a business name or trade name. So, if my business name is "The 3 Maskateers," this name would be my doing business as name, namely the DBA. Hence, the saying, if you have a trade name, you will need to register it with a DBA certificate. What is a DBA form? A DBA form contains information about a trade name of a business at a certain address. For example, if your business name is Beauty and the Bistro for your bistro business, that name must be registered on a DBA certificate that is called a DBA certificate or a fictitious business name certificate. Why Do I Need to File a DBA? This is because a trade name is something not real, and thus fictitious that you thought out of your own mind. So, since it is a name that you trade under, you must registered to make it official and the public can search and find out who that trade name belongs to and who filed the form under what address. Should I Start My Business Now? Start your business today. Whatever you can conceive, you can achieve. Whatever the mind of man can conceive and believe, it can achieve. Thoughts are things! And powerful things at that, when mixed with definiteness of purpose, and burning desire, can be translated into riches – Napoleon Hill Set up a Small New Business When setting up your own small business, keep in mind that in addition to the equipment and the location, you will need licenses, tax IDs, and permits to operate it. For example, any selling of merchandise will require a resale license also called a seller permit or state sales tax ID number. Since your setting up your own,new business most likely will stock and sell merchandise, and store merchandise, unless you just provide services, to be sold as retail is taxable, you will need the reseller permit to by wholesale and sell retail in small amounts like 1 or more pieces etc. Do not forget that the set up of your new business also needs a business license and a trade name if using a business name as for example if you use a fictitious business name such as “Ultra A1,” the name has to be registeed with a DBA assumed business name registration. Finally, if you are set up to hire employees, you will need two tax id numbers. One federal employer tax id number and one state employer tax id number. To set up an LLC, simply click on the order button and submit your business information. We will obtain the LLC certificate and the LLC operating agreement. Do the same for any other document you need such as an occupational business license, a seller permit, or a DBA. DBA DBA stands for “doing business as”. This means that, for example, if you are a small business owner and you name your business “Ultra A1 Clothing Fashions,” that name is a “doing business as,” name. The DBA is a fictitious business name also called an assumed business name or fictitious firm name. When you hear, you need a DBA filing; it means that you need to register your business name with a fictitious business name certificate. That filing may require legal newspaper publication, as well as filing proof of that publication. On this site, as of 8/22/12, the price to file a DBA starts at $119 and it includes all of the above: namely, the filing, the publication, the proof, and notarization, if required. Fees Obtain It Online Now!

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Real Estate Investor Q:licenses I will need? In all seriousness, becoming a real estate agent can be an exciting and rewarding career path. As a real estate agent working for a broker or realtor, there are specific licenses and requirements that you need to meet to operate legally. Let me break it down for you: Real Estate License First and foremost, you'll need to obtain a real estate license to legally work as a real estate agent. This involves completing a pre-licensing course, passing a state exam, and meeting any other state-specific requirements. Each state has its own real estate licensing board, so be sure to check your state's specific requirements. Broker's License To become a broker, you'll need to have several years of experience as a licensed real estate agent and complete additional education requirements. If you're planning on eventually becoming a broker, you may want to consider working for a brokerage that provides mentorship and support for agents looking to move up. MLS Membership Most real estate agents work with Multiple Listing Services (MLS) to gain access to a comprehensive database of available properties. MLS memberships require payment of a fee and often have additional requirements, such as regular continuing education courses. Business Licenses As with any business, you'll need to obtain any necessary business licenses to operate as a real estate agent. This can include a general business license, tax registration, and other permits required by your local government. Insurance While not a license, it's important to mention that many brokerages require agents to carry Errors and Omissions (E&O) insurance. This can protect you from financial liability in the event of a lawsuit or other legal issues related to your work as an agent. Starting a career in real estate can be a rewarding experience, but it's important to make sure you have all the necessary licenses and insurance to operate legally. Best of luck to you in your career as a real estate agent!

76549. Bell County Set Up A Dba In Texas new small business. Additonally, I was wondering where to get a Killeen real estate investor business license. How my own home business is subject to law suits? Also wondered where to get a Killeen home occupation license. How do I go about Texas 76549 starting own business from home? real estate investor

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Where Do I Obtain a(n) TX tax ID number Tax and permits registrations to start a business for: starting my own TX real estate investor home business online. Killeen, Bell County  , TX 76549 .
real estate investor real estate investor

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If you are a partnership means you are a business entity with multiple owners and thus you will need a dba and a federal ID. If you are a service but you also use parts you will need a sellers permit also called a resale license or resale certificate to collect taxes and or buy wholesale. Any businesses that sell prepared food need a sellers license. If you use your family name as a trade name you may not need to register an assumed business name . However if you have an ending that says that there more owners you need to file a fictitious name. If you are a professional such as an architect or doctor you also need a professional license from the state. Also you can simply use a bank with low interest rate to fund your enterprise. If you sell items you will need a sellers permit is also called a sales tax id number because you can buy wholesale and sell retail with it. A home business license is also called a home occupation license . You can use a business plan to start a business but you do not really need it. Make sure your domain name has a word of your service of product in it. Get a state of the art website to sell your services or products. A secure shopping cart on your website is a must. Nice glossy business cards may help your marketing efforts. Get all the business advice you can but get it free for now.

✔ Biz Structure You can choose to be a(n) real estate investor : Sole Proprietor, LLC, Corporation or Partnership. After you decide and select your business entity, you need licensing. ✔ Biz License Killeen Business Tax Registration ( Business License) All businesses including home, online or mobile BUSINESS need a BUSINESS license because they are BUSINESSES.

✔ DBA Biz Name A(n) real estate investor business using a fictitious business name in Bell County i.e. you are a business with a trade name other than the owner's legal (full name) name are required to get a(n) fictitious business name.   For instance you open a(n) real estate investor business and you name it "Superior real estate investor Group". You will need to file a fictitious business name for that name.

✔ Seller Permit In addition note that in Texas you may also need a seller's permit if you sell merchandise that is taxable.  (A.K.A state id, wholesale, resale, reseller certificate, about $39 for most states). Seller's Permit ✔ Federal EIN Note: All businesses need a federal tax ID number except sole proprietors that are not employers and are not independent contractors. An independent contractor is a self employed business person that receives more than $600 per year from anyone of his or her clients. IRS rule: The client must issue a 1099 form to the independent contractor and the independent contractor must have a federal tax ID. However, even sole owners may obtain a federal ID and use it as a business tax ID instead of using their own social security number as a business tax ID number. However, all other licenses that apply to sole proprietors as discussed here are requited regardless of getting a federal tax ID number. ✔ State EIN In addition you will need a federal and a state EIN if you will hire employees. I.e., a TX Federal Tax Id Number ($29)  and a(n) TX  State Employer Tax Number   ✔ L L C Instead of filing a fictitious business name DBA Filing (about $49 plus state and legal newspaper publication fees) in Killeen, Incorporate in TX  or form a(n) TX LLC .  You have a choice to file a DBA or form an LLC or incorporate. There is a cicrcumstance that you may not need to register a trade name and that is when you use your full name as a business name if you use your full legal name as a trade name. Also note that even using your first and last name may not help you avoid filing a DBA if the name has a suffix such as "& sons" etc. ✔ Incorporation If you do form an real estate investor llc or incorporate (about $49 plus state fees for most states) your real estate investor business instead of just filing a fictitious business name (dba), that insurs that you don't have personal liability for debts and civile liabililty arising from your business dealings and you will not have to record the Killeen business name. Instead of just registering your Bell County assumed business name (our fee includes assumed business name registration and legal newspaper publication) you can choose to setup a corporation in Texas or form an TX LLC (starts @ $49 plus state fee for most states & includes required documents such as bylaws for the corporation and Limited Liability operating agreement for the LLC). .

About Your Business Type Real Estate Investor "Good morning, Jimmy! Starting a real estate business, huh? Well, let me tell you, it's like trying to herd cats. But don't worry, I'm here to help. The best way for new investors to get started is with multi-family homes. That's why it's usually not easy to find them for sale! Investors know these are great investments, because of the diversified risk. Rentals are the greatest real estate investment property type because of their regular occupancy and profitability. To become a real estate millionaire, you may have to own ten properties or more. So, you need to accumulate rental properties with a total value of at least a million. The Limited Liability Company (known as LLC) is the best entity for most real estate and mortgage investors who "buy and hold" their investments because LLCs don't pay taxes, they avoid corporate or business taxes and more profit is available to pass through to members. A major advantage of the LLC over the S corporation is that it can provide pass-through taxation without having to meet the requirements of Subchapter S. In other words, they avoid the "double taxation" that corporate investors face, under which the corporation pays taxes on profits and then investors pay taxes on their gains. When you buy and hold real estate, it is considered a capital asset. Generally, an LLC is typically better for rental properties than an S corp. However, both offer: Liability protection for the owners. The chance to avoid double taxation by being taxed as a partnership. Real Estate Industry Now, let's talk about the real estate industry. Did you know that the real estate industry in the US is a $36.7 billion dollar industry with over 2 million people employed in it? That's a lot of people buying and selling houses! The NAICS code for real estate is 531 - Real Estate. The code encompasses businesses that buy, sell, rent, or manage real estate properties. Types of Licenses So, let's talk about the types of licenses you might need. There are a few, and they can vary depending on your location and the type of properties you're dealing with. First, you might need a real estate license. This license is required if you're going to be buying, selling, or leasing properties. You might also need a broker's license if you're going to be acting as a broker for other people. You might also need a business license. This is a license that allows you to legally operate your business in your state. It's usually required for all types of businesses, including real estate businesses. You'll also need to register your business name. This is done by filing a DBA (Doing Business As) form with your state government. It's usually not very expensive, but the fee can vary depending on where you live. LLC or S-Corp? Now, you also asked about LLCs and S-Corps. The truth is, both options have their pros and cons. An LLC, or Limited Liability Company, is a type of business structure that provides liability protection for its owners. This means that if someone sues your business, your personal assets (like your home or car) won't be at risk. An S-Corp is a type of corporation that offers similar liability protection. The main difference between the two is how they're taxed. An S-Corp is taxed like a partnership, while an LLC can be taxed like a sole proprietorship or a partnership. Special Permits and Certifications Finally, you asked about special permits and certifications. Depending on what kind of properties you're dealing with, you might need additional permits or certifications. For example, if you're dealing with lead paint, you might need to get certified by the EPA. Or, if you're dealing with hazardous materials, you might need to get special permits from your state government. It's important to do your research and make sure you're complying with all local, state, and federal regulations. So, there you have it, Jimmy! Starting a real estate business can be a bit of a headache, but with the right licenses and permits, you'll be on your way to buying and selling properties in no time. And if all else fails, just remember the wise words of my Aunt Mildred: 'When life gives you lemons, sell them to someone who needs lemonade.'" Not Sure? Take Short Quiz ? Here is What You Need... Real Estate Investor Buy houses to rent, buy and sell, flip house, etc., real estate investing business normally file an LLC and get a federal tax ID to start. Then they make that a series LLC by filing an LLC under it for each house bought to rent or resell. In that case, you will need series LLC, a federal tax ID number and a Business License. If you hire employees to help you buy or sell the houses, you will also need a state employer ID. Finally, to buy any construction materials such as construction paint tax exempt, you will need to obtain a Sellers Permit. Whether you are starting a commercial or residential real estate investing for rentals, buy and sell houses, flip houses, etc., the profits are low risk and big and the rules are the same. First, create a robust business legal structure to protect your investment. Note that an LLC is the best for real estate because a judgment creditor cannot seize the real estate, especially if you own it with a partner, because the LLC protects both the asset under it and your personal assets such as your own house and personal property such as your Ferrari or gold bars or certificates. This involves a series LLC if you will buy many properties. A series LLC is an LLC that has other LLCs under it. You can also create an LLC for each property but the operating expenses for each LLC create an annual expense that you may not want. For example, a NV LLC has an operating expense of at least $250 per year plus the fee to register it, which is an onetime fee of about $300 to $500. So if you have 10 LLCs, this translates to about $3,000 or more per year in LLC expenses. On the other hand, a series LLC is one LLC even though it has other LLCs under it ( the LLCs under it do not pay annual maintenance fees ) only cost what one LLC costs per year to maintain annually and each LLC under it is independent and separate. Since you are a business, you also need a Business License, and if hiring employees, you will also need a state employer EIN in addition to the Federal EIN that you need for the LLC anyways. Of course, some locations may require that you obtain a permit for each rental location but that comes after you find your first tenant. First set up your LLC, get a federal tax ID, and a Business License to start. Just purchase the LLC service here and also obtain a federal tax ID. That will set you up as an LLC. Then to become a series LLC, you need to create LLC agreements for each LLC under it for each property you buy as you go along. To create an Series LLC agreement, you may have to talk to a lawyer but you don't have to till you buy the second investment property so you can save the expense till then. Your first LLC will be good as an independent LLC or as an Independent LLC that can become an Independent Series LLC later. As you understand, states such as Delaware and NV as well as most other states allow series LLCs but an attorney must draft an agreement comporting with state guidelines that it will make it a series LLC. That means, in the beginning you just need to file an LLC and you can do that here very inexpensively. The real estate investment Potential Profits as rentals is a very safe investment as compared to stock investment but it is, like most business risky. However, no risk, no reward as the saying goes. Here is how to minimize your risks and maximize your profits in the real estate investment. How to evaluate a real estate property you planning to buy to rent Remember that your success in this is determined at the time you BUY the property. In order to be successful, follow these rules and you will: Rules and formulas of Real Estate Investing for Rentals First there is the 1.2% rule Rule, which is the easiest and most intuitive. Second, the Cap rate is the most comprehensive. Third, the Cash-on-cash is a nice finishing touch. Advice: Use all three. The 1.2% rule requires that the MONTHLY rent you receive from the property must be 1% or more of the total price of the property. So, for example, you buy a property for $100,000, the monthly rent must be $1,200 or more to make it worth for you to buy and rent it. Total price of property includes property price, closing costs, and any upfront repairs to get the unit rent-ready. For example, you buy the property $60,000, including the price and closing costs, and you pay $20,000 for repairs to get it ready to rent. The total price you paid for the property is $80,000 so you must make at least $800 per month in rent to make it a good investment. Of course, you can use a 2% rule and some do but they buy risky properties in risky areas. Here, we are talking about an average or above average neighborhood with tenants with at least some college education. These tenants do not live in a ghetto area nor in a low income neighborhood. You can get as much as 2% in a ghetto or low income neighborhood but it comes with its risks. So let's calculate the costs and expenses of an $100,000 property: Rent: $1,200 per month. Mortgage: — (Paid-in-Cash) Taxes: $100 per month ($1200/year) based on 2013 tax records Insurance: $50 per month ($600/year) estimated Vacancy: $100 per month ($1,200/year) at 90 percent occupancy, $1,000/mo rent Management: $100 per month ($1,200/year) at 10 percent fee, $1,000/mo rent Repairs/Maintenance: $100 per month ($1200/year) based on “one percent of purchase price” rule-of-thumb Total Expenses: $450 per month Total Profit: $750 or $9,000 annually. The Capitalization rate rule measures the return on the property value. Cap rate equals annual net operating income divided by the total price you paid for property. So, for instance, in the above example the Rent = $1,200 per month the Insurance, Taxes, Water, Trash, Repairs, etc. = $450 per month. So, your “Net operating income” (also known as “NOI”) = $1,200 – $450 = $750 per month. Multiply by 12 to find your Annual NOI: $700 * 12 = $9,000. To find the cap rate, divide $9,000 (Annual NOI) by the total price of the property. Let’s assume your property cost $200,000. $9,000 / $200,000 = 0.045 Multiply by 100 to convert it into a percentage. The $9,000 in cash flow you’re receiving translates to a 4.5 percent return on your property value. On the other hand, if you bought the house for only $100,000 then your cap rate skyrockets to $9,000/$100,000 = 0.09, or 9 percent. At that rate, you recoup your investment in 11 years $9,000x11=$99,000 and still have the property possible still worth $100,000 or more. Of course, you noticed that we don't include the mortgage, if any, in our calculation because it builds our equity and service debt, respectively. The mortgage payment is not an operating expense nor is the interest an expense because the interest can fluctuate from 3% to 30% so it cannot be in the equation. So, we use the above rules to calculate our risk and reward and then we can find good financing to buy the property or just buy it cash, if cash is available. Cash-on-Cash Return On Cash-on-Cash Return we calculate what the annual NOI is and then we divide it by down payment. is this income property a good investment? Using the same example as above: I buy a house for $100,000. I put 20 percent down, or $20,000. The annual NOI is $9,000. $9,000 / $20,000 = 0.045, or 45 percent! Hoh, hoh, hoh... good country America, huh? Of course, buying a property with an $80,000 debt creates risks and you should consider them. Here is What You Need... Get It Now... Not Sure? Take Short Quiz Related Articles: real estate Investor Dba Filing Riverside Ca   Real Estate Investor Start Dba Llc   real estate investor set up a dba in texas

> >Get it Now! 48948 If your business includes any items or merchandise you provide with the service you will need a sales tax ID to buy them tax exempt and sell them retail to your customers separate from your service.   If you want to open a business check you will have to register an assumed business name certificate before the bank opens a business bank account.       A brief and business specific domain name or a domain name of your business name is a must. Keep in mind that most business are contacted online so you will need to set up a website as soon as possible. Shopping carts are an easy way for you to sell your products and or services online.   Business cards are good if you have a lot of contacts or meet a lot of people. real estate investor Permit Licenses & Tax IDs You Need To Start Your Own Business Killeen Business License 76549 real estate investor Business Plan Template Texas Business License real estate investor Bell County DBA Fictitious Business Name > >Get it Now! You can start your KILLEEN business with just $66222 or $68487 that depends on your budget. Starting your business in   KILLEEN BELL KILLEEN, 76549 calls for some numbers: it has about 18451 residents, though only about 6757 families in this zip code area of the state of Texas. In addition, consider getting a(n) 254 telephone area code to increase reachability and and identifiability. Nevertheless, you will need a place to set up your business and a place to stay or you can also buy a house (about $74500 avergage value) , which you can use as a home based business as well. Your physical address in KILLEEN will be your business address. For Instance, your business address could be 6511 KILLEEN Hwy/Blvd or 66TH Street/Ave or KILLEEN, Texas 76549. You can use a 76549 P.O. Box address as your as your business mailing address. E.g. P.O Box 63760 KILLEEN,Texas 76549 . At any rate, in 1059 area you have to consider the demographics before starting any type of business. Briefly, there are about 8487, caucasians, 3255 latinos, and 6222 African Americans in the 76549 zipcode area. Another consideration is targeting your prospects income level to advertise for your new business. Each family here makes about $38038 per family and has about 2.83 persons per household. Considering weather conditions, take note that the elevation is 511 feet, and you are in 6 time zone. For example, you are reading this on 11/23/2024 1:42:13 PM CST. real estate investor real estate investor Texas > > Get it Now!

Chris 11/18/2024 9:24 PM : We are a property preservation company in the Cincinnati and Dayton Ohio areas Ohio  . Chris Ohio. atomickitn 11/18/2024 6:27 AM : I would like to know what I need to provide if I want to start a handyman business in the state of AZ Arizona  . atomickitn Arizona. Mike 11/18/2024 6:26 AM : I was just wondering what all it takes to have a food turck in oklahoma. Can you just set one up anywere or only certian places? could a preson go from small town to small town and just park and serve? Oklahoma  . Mike Oklahoma.

76549 Killeen real estate investor

LLC (Limited Liability Company) FAQs: Q: Would an LLC be better than filing a fictitious business name? A: If you desire more business prestige for market presence you may want to set up an LLC. E.g. the fictitious business name (DBA) is . deas XYZtch REAL Estate SolutionsCo. this name as well as any other name is an assumed business name and it must be recorded as a DBA Doing Business As name which also requires a fee to be recorded. Just recording an assumed business name does nothing to keep the name exclusive nor does it avoid personal liability for the business owners. Only setting up a limited liability company (LLC) will protect the name at the state level and also protect the owners of personal liability. Our recommendation that since you need to pay a fee to register the business name, simply form a limited liability company (LLC) for a similar fee and get both corporate status and protection for the name as well as personal liabilities. So, for instance, if someone slips and falls in your business premises, they can sue you personally if you are not a limited liability company (LLC). A limited liability company (LLC) affords more prestige and it helps you obtain business loans. Q: Can I apply by phone and set up a limited liability company (LLC)?. A: You can apply by phone but the best way is to just fill out our online limited liability company (LLC) form. Q: I already have a tax ID as a sole proprietor can I use it for the LLC I am forming now? A: Forming a new type of entity of a business constitutes change of status for that business and that requires you to get new licenses and tax IDs under your name. Q: Do I need to file a DBA if I form an LLC? A: If you form an LLC and you do business as the LLC name, you don't need a DBA. For example, your LLC name is "Ultra Super LLC," and your business name is "Ultra Super LLC," you don't need to file a DBA. Q: If I order a limited liability company (LLC) online how long will it take before I receive it? A: Normally we will have to wait for a corporate certificate if you are a corporation othewise we normally obtain it on the same day you order it. Q: How do I apply for an llc tax ID number? A: You can apply for a tax ID number here online. Simple click on the order button - fill out the application - and submit it so we can obtain the ID for you . Q: What is a DUNS Number? A: Dun & Bradstreet is a business credit rating company and they use your info to inform lenders about how credit worthy you are. Q: Do I need to pay sales tax to the state as an LLC? A: Paying sales tax depends on your state. For example in Oregon you dont need to pay sales tax but you still need a resale certificate to buy from other states wholesale products.

Ada Jimmy Monday, March 27, 2023 2:07:00 PM . Real Estate Investor Licenses And Permits Real Estate Investor Q:licenses I will need? In all seriousness, becoming a real estate agent can be an exciting and rewarding career path. As a real estate agent working for a broker or realtor, there are specific licenses and requirements that you need to meet to operate legally. Let me break it down for you: Real Estate License First and foremost, you'll need to obtain a real estate license to legally work as a real estate agent. This involves completing a pre-licensing course, passing a state exam, and meeting any other state-specific requirements. Each state has its own real estate licensing board, so be sure to check your state's specific requirements. Broker's License To become a broker, you'll need to have several years of experience as a licensed real estate agent and complete additional education requirements. If you're planning on eventually becoming a broker, you may want to consider working for a brokerage that provides mentorship and support for agents looking to move up. MLS Membership Most real estate agents work with Multiple Listing Services (MLS) to gain access to a comprehensive database of available properties. MLS memberships require payment of a fee and often have additional requirements, such as regular continuing education courses. Business Licenses As with any business, you'll need to obtain any necessary business licenses to operate as a real estate agent. This can include a general business license, tax registration, and other permits required by your local government. Insurance While not a license, it's important to mention that many brokerages require agents to carry Errors and Omissions (E&O) insurance. This can protect you from financial liability in the event of a lawsuit or other legal issues related to your work as an agent. Starting a career in real estate can be a rewarding experience, but it's important to make sure you have all the necessary licenses and insurance to operate legally. Best of luck to you in your career as a real estate agent! JimmyAda, Minnesota.

: More... Do I need a business permit in the City of Katy, TX. I will be lease a building. I have filled a DBA and have a tax Id number. Texas Counseling .   Texas.     : More... I'm wanting to start and online clothing boutique in the next 4-6 months to protect myself and my online business what will I need. Texas Online Clothing Boutique.   Texas.     : More... If my wife files a dba for our Tire Shop business under her name will it affect my social security benefits ? Texas Tire Shop.   Texas.

: More... Paramount Home Properties, LLC, investing in real property from home, with no employees do I need a business license South Dakota Real Estate Investor.   South Dakota. chris lopez 2/20/2014 10:41 AM : More... hi my name is Chris, i live in California los angeles county. can i file for a dba in Wyoming and what are the filling fees? California real estate investor. chris lopez California. chris lopez 2/20/2014 10:42 AM : More... hi my name is chris, i live in california los angeles county. can i file for a dba in whyoming? California real estate investor. chris lopez California.

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