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It took less than 90 days for Irene Thomas, 23, to buy 10 houses with no money down. She didnt use a real estate agent, but instead relied on the advice of a friend and employees of a mortgage brokerage and closing firm, Universal Mortgage Inc. of Brooklyn Park. Four of the houses Thomas bought belonged to Universal owner Donald Walthall and five were owned by company manager Marlon Pratt. All of Thomass houses have been sold at foreclosure.