American Residential Investment Trust, Inc.
Ticker:INV 445 Marine View Avenue, Suite 230
Exchange:New York Stock Exchange Del Mar, CA 92014
Industry:Financial (SIC Code 6798) (619) 350-5000
# of Employees:7

Offering Information
Type of Shares:Common Shares Filing Date:8/14/97
U.S. Shares:6,500,000 Offer Date:10/28/97
Non-U.S. Shares:0 Filing Range:$14.00 - $16.00
Primary Shares:6,500,000 Offer Price:$15.00
Secondary Shares:0 Gross Spread:$0.98
Offering Amount: $97,500,000 Selling:$0.58
Expenses:$1,200,000 Reallowance:$0.10
Shares Out After:6,614,000

Primary Underwriting Group
ManagerTierPhone
PaineWebber IncorporatedLead Manager (212) 713-2626
Everen Securities, Inc.Co-manager (312) 574-6859
Oppenheimer & Company, Inc.Co-manager (212) 667-7400
Sutro & Company Inc.Co-manager (415) 445-8323

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Gray Cary Ware & Freidenrich
Bank's Law Firm: O'Melveny & Meyers
Auditor: KPMG Peat Marwick

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
5 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
6/30/97 6/30/97
Revenue:$3.64Assets:$231.52
Net Income:$0.58Curr Assets:
EPS:$0.35Liabilities:$210.91
Prior EPS:$0.26Curr Liabilities:
Cash Flow/Oper:$229.56Equity:$20.60
Cash Flow/Fin:-$229.69Cash:$0.13
Cash Flow/Inv:-$229.69

Business Description
The company is a real estate investment trust, (REIT). The company will invest in adjustable-rate residential mortgage securities.

Use of Proceeds
The proceeds from the proposed offering will be used for purchase of mortgage assets and general corporate purposes.

Principal and Selling Shareholders
Name of Shareholder% Owned
Before
% Owned
After
MDC REIT Holdings, LLC99.10%28.50%
Note: Represents ownership of 5% or more prior to the offering.
Executive Officers and Directors
Officer NameTitleAge
John M. RobbinsChairman of the Board, Chief Executive Officer and Director50
Jay M. FullerPresident, Chief Operating Officer and Director47
Mark A. CongerSenior Vice President and Chief Financial Officer37
Rollie O. LynnSenior Vice President, Capital Markets43

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