Usually, however, the dealer's form is that of a particular finance company, such as Commercial Credit Corporation or Michigan National Bank or some other company, and these names must be crossed out and your own inserted. It is best to have each one of these changes initialed by the purchaser, and the investor should initial them too. Any dealer or any bank with a time sales department can help you to make out this form correctly. There are two essentials of a sound conditional sales contract as an investment: down payment and time payments. The down payment must be large enough so that (1) the buyer will think twice before letting his car, or whatever it is, go, and (2) you can easily sell the object quickly for cash, in the event of repossession, with the result that this cash plus the down payment and what payments you have already received will amply return the total investment. A third essential might be added, and that is that the thing you are financing and the purchaser should be located easily in case the purchaser defaults.

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