Vestin Realty Mortgage (NASDAQ:VRTB)

Mobil40e (95.02) Submitted: 5/23/2008 8:52:55 AM : Start Price: $7.89 VRTB Score: -81.92

"You ought to be able to explain why you’re taking the job you’re taking, why you’re making the investment you’re making, or whatever it may be. And if it can’t stand applying pencil to paper, you’d better think it through some more. And if you can’t write an intelligent answer to those questions, don’t do it."

deuspecuniae (86.80) Submitted: 5/1/2008 1:31:34 PM : Start Price: $8.31 VRTB Score: +81.59

The credit crises and morgage meltdown in the U.S. isn't going anywhere this summer and is likely to only get worse. If Bear Sterns couldn't survive what hope is their for the rest of the financial sector. Yes, the financial sector seems to be jumping back and key reversals seem to be lifting bullish investors, but this ray of hope will end once investors understand how bad this looming recession is going to be. Even the hopeful and growing few in the financial sector are going to suffer from the troubles of the many.

pilgrimboy14 (< 20) Submitted: 4/15/2008 10:30:54 AM : Start Price: $8.35 VRTB Score: -87.32

Another mortgage stock with adequate assets and a dividend to provide coverage to weather the real estate storm. Assets look great. Profit is good. The dividend is unbeatable.

kenKlaas (< 20) Submitted: 11/12/2007 4:49:37 PM : Start Price: $9.73 VRTB Score: -81.69

The book value of this stock on 9/30/07 was $7.17. At $4.00/share it is selling at a 45% discount to book value.

The earnings decline in Sept 06 was primarily a one time event and earnings should recover.

The dividend is still higher than junk bonds and the dividend and book value are secured by real estate loans.