so for an example let's say you buy a house for one hundred thousand dollars guys right you only put down twenty thousand you put twenty percent down the bank gives you the other eighty thousand okay then leverage you put twenty thousand dollars into the property to fix it up which has value add which is what we can with discussing that property now goes up to two hundred thousand then you can go ahead and do a cash out refinance and you could pull out what seventy percent a lot of the time