Born in Circleville, Ohio in 1956, my family moved to Lancaster, Ohio when I was 3 years old. The Restaurant Business was my fathers first love. When he passed away I was only 5. My mother kept the Family Business alive until she remarried and my Step Father picked up where my dad left off and I followed in both of my dads footsteps and opened my 1st Boyer's Restaurant at age 18. I started my interest in Real Estate early when I became the first 18 year old in the State of Ohio to own a home. 18 year olds just became legal adults with the right to own Real Estate the year I turned 18. That's also the same year I married my High School Sweetheart, Kathy Gillooly.

In order to start investing in Real Estate, I got my Real Estate License in Ohio in 1977. Fortunately for me and my family, we moved to California in 1978 after the blizzard of the winter of 1977 that virtually shut down the state for about 6 weeks.

Moving to California was a real eye opener for a Hillbilly from Ohio, but we seemed to fit in relatively quickly. I had to put Real Estate on the back burner and got back into the restaurant business right away in order to make ends meet, but Kathy had the Real Estate bug and started in the loan business immediately. We both became licensed in 1982, she to pursue her career and I got my license just to keep her company and to start up again investing in income property.

Over the next 16 years, Kathy pursued and accelerated in her Mortgage Career while I slaved away in the Food Service Business in both Management and Sales. While working in Food Service, my heart was always in Real Estate as we pursued a variety of Real Estate Investments, some very profitable, some questionable, but each was a learning experience.