Torger is an ASU Alumnus and has been a mortgage lender since 1990.  He is licensed both in AZ and CA.  When I first met Torger I was blown away at how much knowledge he had about the various aspects of real estate investing including tax depreciation strategies, 1031 exchanges, utilizing 15 year amortization schedules, and more.  Today we talked about his investment portfolio and what it takes for investors to buy in the current real estate market climate.  Right now he is locking in interest rates between 2.5% on owner occupied loans and 3.5% on investor loans.  To speak with Torger about your strategy he can be reached at: 480-766-1201, terickson@bayeq.com, or https://www.bayequityhomeloans.com/torger-erickson/