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                                                                    EXHIBIT 23.5


                            CONSENT OF LEGAL COUNSEL


We have issued our report dated January 10, 2000, accompanying the financial
statements of DM Mortgage Investors, LLC contained in the Registration Statement
and Prospectus. We consent to the use of the aforementioned report in the
Registration Statement and Prospectus, and to the use of our name as it appears
under the caption "Experts."

/s/ Grant  Thorton LLP

Reno, Nevada
November 2, 2000



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