After receiving numerous requests from my reader base for a
review of the seemingly popular E-book "Mortgage Cycling Revealed"
by Craig Romero. I decided to place the an anonymous
order for this product from my Yahoo e-mail account.

I immediately received the download link to the E-book
in a professionally laid-out, HTML formatted
e-mail. Along with the Email came
attached the bonus Excel amortization spreadsheet and
spreadsheet totorial (Word doc.) as promised.

The download is formatted in Adobe PDF 6.0 which
is a popular format these days for most online E-book
authors. This format happens to be a favorite of mine
for online reading because the text is much easier to
read for long periods of time from a computer screen.

Mortgage Cycling Revealed totals 32 pages which can either be
a good atribute in the sense that the material is valuable
and meaty...or it could be bad if the author provides shody
information in a small package.

The Meat:
The concept of Mortgage Cycling is presented in a clear and
concise manner which also includes monthly flow charts that
give the reader a way to see the cycle in action. This came
in handy for me as I tend to follow visual instruction
much easier.

Once the concept of Mortgage Cycling sank in and I was able
to understand it's actual value. I was quite amazed at how powerful
this method is at creating home equity. I input my own personal
mortgage loan numbers into the Cycling calculator to find out what
the plan could do for my personal mortgage. The following are the
results which were calculated:

Equity built after the first year was $10,002.00
Equity built after the third year was $31,576.00
Equity built after five years was $48,945.00

Yes, those figures are correct according to the calculator.

Pretty impressive I have to say. However, at this point I
was still very skeptical just as I was after reading the headline on
The Mortgage Cycling website. Afterall, it does seem a bit
far-fetched.

Just to make sure I was grasping the concept properly and that
these calculations could provided a real world value I had my good
friend Alan Jorgenson, my accountant take a look at it.

The two of us spent two hours utilizing the customizable
Excel spreadsheet that comes as a bonus with the report. During
our testing we accounted for dozens of "real world" scenarios
Sniffing for any flaws in the system, and playing with different
Mortgage scenarios...ARM's, 15 year and 30 year term.

Result: The Spreadsheet worked flawlessly. The more scenarios
we input the more we realized how brilliant this concept is.

After testing, we both calculated a different cycle for our own
individual mortgages and implemented the plan that same day.

One thing I'd like to mention...since the spreadsheet is in
Excel format, you'll obviously need Microsoft Excel to use
the amortization table. However, if you find that your
system is lacking this program you can get by with the same
results by using the neat little online calculator which is
also supplied with the E-book.

With respect to the author, and not giving the concept of
Mortgage Cycling away, we did conclude that Mortgage Cycling
is only for those who have at least a few hundred dollars in
surplus cash at the end of each month. The equity isn't
necessarily built using this surplus cash but rather by
making huge lump payments made against your loan principal
balance derived from an "alternate" source (this is the secret).

Overall, I was positively taken by this information and how creative
it was, including the bonus material which I found to actually
be useful and valuable. Most bonus material I've come
across in the past tends to be re-hashed or outdated
material. But not this time. There's actually a bonus
section which will show you how to get an interest free
loan that doesn't have to be repaid until you're ready.
Very valuable for anyone looking to raise capital
for investing or a business start-up.

If you're serious about building large amounts of home equity
in a short period of time and reducing your overall mortgage debt,
then this program is the way to go.

Final analysis: "Mortgage Cycling Revealed" is my pick for
the most inovative E-book of the year. It's an easy read and
provides an extremely valuble method for quickly building your
home equity.

4 out of 4 dogs. Highly recommended