*You are under no obligation to use any particular mortgage lender, property manager, or insurance company. Recommendations are made as a courtesy only, based on the reputation of, and our experience with, the referred companies. Calloway Investment Inc. and their advisors cannot be and are not responsible for the conduct of other firms. **Nothing herein implies that other than the owner is responsible for choosing and directing each element of management. Calloway Investment Inc. is a developer and vendor of real estate, and nothing herein should be construed as legal, tax, financial or other professional advice.