With a direct pay letter of credit from a bank (see more below), all investors are assured that both their investment is liquid (they can get their money out at any time) and their investment is secure from loss (even if the property value drops). This is one of the key elements that makes the CIT investment product unique to anything like it except a deposit at a bank. The CIT investment, unlike a bank deposit, has a long-term upside in the value of the real estate, both because of the amortization of debt, which is entirely predictable, and the increase in value, which should be largely predictable if the property generates income at its current and projected levels over time.