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                                                                    Exhibit 10.1



                                March 14, 2000



BankWest of Nevada
7251 W. Lake Mead Boulevard
Las Vegas, Nevada 89128

Attn: Mark Larson

      Re:   DM Mortgage Investors, LLC-Bank Escrow Agreement

Ladies and Gentlemen:

      Capsource, Inc., a Nevada corporation, is the Manager of DM Mortgage
Investors, LLC, a Nevada limited liability company (the "Company"), the issuer
and registrant for an offering of shares of limited liability company interest
of the Company ("Shares"), under a Registration Statement on Form S-11, filed
with the Securities and Exchange Commission on or about March 15, 2000. The
Shares will be offered and sold by DM Financial Services, Inc., a Nevada
corporation (the "Dealer Manager") and other securities broker-dealers who
participate with the Dealer Manager in the offering of the Shares.

      The terms of the offering require that the payments of the purchase price
of the first 1,500,000 Shares sold in the offering ($1,500,000) be placed in a
bank escrow account, and this Escrow Agreement ("Agreement") sets forth the
terms and conditions under which you will hold such funds (the "Required
Proceeds") as the Escrow Agent hereby appointed by the Company and the Dealer
Manager for the offering to obtain the Required Proceeds.

      1. Persons subscribing to purchase the Shares will be instructed by the
Dealer Manager or any participating broker-dealers to remit the purchase price
in the form of checks, drafts or money orders (hereinafter called "instruments
of payment) payable to the order of, or funds wired in favor of, "Bankwest of
Nevada, as Escrow Agent." Within one business day after receipt of instruments
of payment from the offering, the Manager will send to you: (a) each accepted
subscriber's name, address, number of Shares purchased and purchase price
remitted ("Evidence of Subscriptions"), and (b) the instruments of payment from
such subscribers for deposit by you into the deposit account entitled Bankwest
of Nevada, as Escrow Agent for DM Mortgage Directors, which deposit will occur
within one business day after you receive such materials.

      2. The aforesaid instruments of payment are to be promptly processed for
collection by you following deposit by the Manager for the Company into the
Escrow Account. The proceeds thereof are to be held in the Escrow Account until
such funds are either returned to the subscribers in accordance with paragraph 3
hereof or otherwise disbursed in accordance with paragraph 6 hereof. In the
event any of the instruments of payment are returned to you for non-payment
prior to receipt by you of the Required Proceeds, you shall promptly notify the
Manager in writing of such non-payment, and you are authorized to debit the
Escrow Account in the amount of such return payment as well as interest earned
on the investment represented by such payment.

      3. In the event that at the close of your business on December 31, 2000
(the "Expiration Date") you are not in receipt of Evidence of Subscriptions, and
instruments of payment dated not later than that date (or actual wired funds),
for the purchase of Shares providing for total purchase proceeds that equal or
exceed the Required



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Proceeds (exclusive of any funds received from subscriptions for Shares from
entities which we have notified you are affiliated with the Company or Manager
and their Affiliates), you shall promptly notify the Manager that such
instruments of payment have not been received by you. Promptly following the
Expiration Date, and in any event no later than five business days after the
Expiration Date, you shall promptly return by your check the funds deposited in
the Escrow Account, or shall return the instruments of payment delivered to you
if such instruments have not been processed for collection prior to such time,
directly to each subscriber at the address given to the Company. Included in the
remittance shall be a proportionate share of the income earned in the account
allocable to each subscriber's investment in accordance with the terms and
conditions specified in paragraph 7 hereof, except that in the case of
subscribers who have not provided to you an executed Form W-9, you shall
withhold thirty-one percent (31%) of the earnings attributable to those
subscribers in accordance with IRS Regulations. In the event you receive an
executed Form W-9 from a subscriber after you have returned such subscriber's
proceeds, net of the thirty-one percent (31%) withholding, you shall promptly
refund by your check the amount withheld to such subscriber. Notwithstanding the
foregoing, you shall not be required to remit any payments until funds
represented by such payments have been collected by you.

      In the event that the Company rejects any subscription for which you have
already collected funds, you will be so informed in writing by the Manager to
promptly issue a refund check to the rejected subscriber. If the Manager rejects
any subscription for which you have not yet collected funds but have submitted
the subscriber's check for collection, you shall promptly issue a check in the
amount of the subscriber's check to the rejected subscriber after such funds
clear. If you have not yet submitted a rejected subscriber's check for
collection, you shall promptly remit the subscriber's check directly to the
subscriber.

      4. Following receipt by you of cash and instruments of payment (or wired
funds) of the Required Proceeds prior to the Expiration Date, you shall notify
the Company in writing within one business day when such funds have been
collected through normal banking channels and deposited in the Escrow Account.

      5. Prior to the disbursement of funds deposited in the Escrow Account in
accordance with the provisions of paragraph 3 or 6 hereof, you shall invest all
of the funds deposited in the Escrow Account in "Short-term Investments" (as
defined below), and you are further authorized and you agree to reinvest all
earnings and interest derived therefrom in any of the Short-term Investment
specified below. In the event that instruments of payment are returned to you
for nonpayment, you are authorized to debit the Escrow Account in accordance
with paragraph 2 hereof. Escrow Agent will have no liability for any loss of
interest or penalties assessed if a Short-term Investment is liquidated before
maturity.

      "Short-term Investment" include obligations of, or obligations guaranteed
by, the United States government or bank money-market accounts or certificates
of deposit of national or state banks that have deposits insured by the Federal
Deposit Insurance Corporation (including certificates of deposit of any bank
acting as a depository or custodian for any such funds, including, without
limitation, such certificates or instruments of Bankwest of Nevada), which
mature on or before the Expiration Date, unless such instruments cannot be
readily sold or otherwise disposed of for cash by the Expiration Date without
any dissipation of the offering proceeds invested.

      The following securities are not permissible investments:

      (a) money-market mutual funds;
      (b) corporate equity or debt securities;
      (c) repurchase agreements;
      (d) bankers' acceptances;
      (e) commercial paper; and
      (f) municipal securities.


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      6. All disbursements from the Escrow Account, except for disbursements
under the provisions of paragraph 3 hereof, shall be made by you only pursuant
to the provisions of this paragraph 6. Except for disbursements authorized upon
court order, you shall hold all funds in the Escrow Account until (i) the date
checks for Required Proceeds have cleared normal banking channels after receipt
by you of the Required Proceeds, and (ii) receipt of letter instructions from
the Company directing disbursements of such funds to the Company. In disbursing
such funds, you are authorized to rely solely upon such letter instructions
which you receive from the Company whether or not such instructions are correct,
true or authentic; provided that, if in your opinion such letter instructions
from the Company are unclear, you are authorized to rely upon the legal counsel
to the Company in distributing such funds to the effect that distribution of the
funds is authorized by the letter instructions of the Company and that
distribution of the funds in that manner is authorized by and in compliance with
such letter. However, you shall not be required to disburse any funds
attributable to instruments of payment which have not been collected by you,
provided that you shall use your best efforts to promptly collect such funds
after your receipt of disbursement instructions from the Company in accordance
with this paragraph, and shall disburse such funds in compliance with the
disbursement instructions from the Company.

      7. In the event the offering of Shares terminates prior to receipt of the
Required Proceeds, income earned on subscription proceeds deposited in the
Escrow Account ("Gross Escrow Income") minus the total escrow expenses ("Net
Escrow Income") shall be remitted to subscribers in compliance with paragraph 3.
Each subscriber's pro rata portion of Net Escrow Income shall be determined as
follows: The total amount of Net Escrow Income shall be multiplied by a
fraction, the numerator of which is determined by multiplying the number of
Shares purchased by said subscriber times the number of days said subscriber's
proceeds are invested prior to termination of the offering, and the denominator
of which is the total of the numerators for all such subscribers.
Notwithstanding the foregoing, escrow expenses may be deducted from the Escrow
Account only to the extent of Gross Escrow Income, ant the Manager shall
reimburse the Escrow Agent for any escrow expenses in excess of such amount. You
shall promptly remit all such Net Escrow Income in accordance with paragraph 3.

      8. As compensation for serving as Escrow Agent hereunder, you shall
receive a fee, as set forth on Schedule A attached hereto.

      9. In performing any of your duties hereunder, you shall not incur any
liability to anyone for any damages, losses or expenses, except for willful
default, breach of trust, or gross negligence, and accordingly you shall not
incur any such liability with respect to any action taken or omitted (1) in good
faith upon advice of your counsel given with respect to any questions relating
to your duties and responsibilities under this Agreement, or (2) in reliance
upon any instrument, including any written instrument or instruction provided
for in this Agreement, not only as to its due execution and validity and
effectiveness of its provisions but also as to the truth and accuracy of
information contained therein, which you shall in good faith believe to genuine,
to have been signed or presented by a proper person or persons and to conform to
the provisions of this Agreement. You have no duty under this Agreement to
ascertain or assure that the Company shall be in compliance with the terms and
conditions of the offering of the Shares.

      10. Company covenants to defend and indemnify Escrow Agent, its directors,
officers, employees and agents, against, and hold Escrow Agent, its directors,
officers, employees and agents harmless from any and all losses, liabilities,
claims, damages, costs or expenses (including without limitation reasonable
attorney's fees and disbursements) suffered or incurred by it arising out of or
in connection with Escrow Agent's status as a party to and in the administration
of this Agreement (including but not limited to the costs and expenses of
defending against any claim of liability in connection therewith), or in
connection with Escrow Agent's performance (excluding breach of trust, gross
negligence or willful misconduct) of any of the obligations hereunder, or Escrow
Agent's action pursuant to any instruction received by Escrow Agent from any
party hereto reasonably believed by Escrow Agent to have been properly given
hereunder, without the necessity of making any investigation with respect
thereto.


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Escrow Agent shall not be required to defend legal proceedings which
may be instituted against it with respect to the subject matter of this
Agreement or any written instructions, unless requested to do so by Company and
indemnified to Escrow Agent's satisfaction against the cost and expense of such
defense. Escrow Agent shall not be requested to institute legal proceedings of
any kind.

      11. In the event of a dispute between the parties hereto or between any
person or persons who have subscribed for Shares and delivered an instrument of
payment therefor and the Company, the Manager, the Dealer Manager, or any
participating broker-dealer sufficient in your discretion to justify doing so,
you shall be entitled to tender into the registry or custody of any court of
competent jurisdiction of the State of Nevada all money or property in your
hands under this Agreement, together with such legal pleadings as you deem
appropriate, and thereupon be discharged from all further duties and liabilities
under this Agreement. In the event of any uncertainty as to your duties
hereunder, you may refuse to act under the provisions of this Agreement pending
order of such court of competent jurisdiction and you shall have no liability to
the Company or to any other person as a result of such action. Any such legal
action may be brought in such court as you shall determine to have jurisdiction
thereof. The filing of any such it legal proceedings shall not deprive you of
your compensation earned prior to such filing.

      12. All written notices and letters required hereunder to you shall only
be effective if delivered personally or by certified mail, return receipt
requested to Bankwest of Nevada, 7251 W. Lake Mead Boulevard, Las Vegas, Nevada
89128, Attn: Mark Larson. All written notices and letters required hereunder to
the Company or the Dealer Manager shall only be effective if delivered
personally or by certified mail, return receipt requested to Capsource, Inc.,
Stephen J. Byrne, President, 2851 El Camino Ave., Las Vegas, Nevada 89102.

      13. This Agreement shall be governed by the laws of the State of Nevada as
to both interpretation and performance.

      14. The provisions of this Agreement shall be binding upon the legal
representatives, heirs, successors and assigns of the parties hereto.

      15. The Company hereby acknowledges that you are serving as Escrow Agent
only for the limited purposes herein set forth, and hereby agrees that it will
not represent or imply that you, by serving as Escrow Agent hereunder or
otherwise, have investigated the desirability or advisability of investment in
the Company, or have approved, endorsed or passed upon the merits of the Shares
or Company. The Company further agrees to instruct the Dealer Manager, and each
of its representatives, and any other representatives who may offers Shares to
persons from time to time, that they shall not represent or imply that you have
investigated the desirability or advisability of investment in the Company, or
have approved, endorsed or passed upon the merits of the Shares or the Company,
nor shall they use your name in any manner whatsoever in connection with the
offer or sale of the Shares other than by acknowledgment that you have agreed to
serve as Escrow Agent for the limited purposes herein set forth.

      16. This Agreement and any amendment hereto may be executed by the parties
hereto in one or more counterparts, each of which shall be deemed to be an
original.

      17. In the event that you receive instruments of payment (or wired funds)
after the Required Proceeds have been received and the proceeds of the Escrow
Account have been distributed to the Company, you are hereby authorized to
deposit such instruments of payment to any deposit account as directed by the
Company. The application of said funds into a deposit account directed by the
Company shall be a full acquittance to you and you shall not be responsible for
the application of said funds.

      18. The Escrow Agent shall be bound only by the terms of this Escrow
Agreement and shall not be bound or incur any liability with respect to any
other agreements or understanding between any other parties, whether or not the
Escrow Agent has knowledge of any such agreements or understandings.


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      19. Indemnification provisions set forth herein shall survive the
termination of this Agreement.

      20. Upon acceptance and distribution of the Required Proceeds, this Escrow
Agreement shall terminate and the Escrow Agent shall have no further
responsibility or liability with regard to the terms of this Agreement

      21. The Escrow Agent has no responsibility for accepting, rejecting or
approving subscriptions.

      22. This Agreement shall not be modified, revoked, released or terminated
unless reduced to writing and signed by all parties hereto, subject to the
following paragraph.

      Should, at any time, any attempt be made to modify this Agreement in a
manner would increase the duties and responsibilities of the Escrow Agent or to
modify this Agreement in any manner which the Escrow Agent shall deem
undesirable, or at any other time, the Escrow Agent may resign by notifying the
Company in writing, by certified mail, and until (i) the acceptance by a
successor escrow agent as shall be appointed by the Company; or (ii) thirty (30)
days following the date upon which notice was mailed, whichever occurs sooner,
the Escrow Agent's only remaining obligation shall be to perform its duties
hereunder in accordance with the terms of the Agreement.

      23. The Escrow Agent may resign at any time from its obligations under
this Escrow Agreement by providing written notice to the Company. Such
resignation shall be effective on the date specified in such notice which shall
be not less than thirty (30) days after such written notice has been given. The
Escrow Agent shall have no responsibility for the appointment of a successor
escrow agent. Unless otherwise provided in this Agreement, final termination of
this Escrow Agreement shall occur on the date all funds held in the Escrow
Account are distributed either (a) to the Company pursuant to paragraph 6
hereof, or (b) to subscribers pursuant to paragraphs 3 and 7 hereof.

      24. The Escrow Agent may be removed for cause by the Company by written
notice to the Escrow Agent effective on the date specified in such notice. The
removal of the Escrow Agent shall not derive the Escrow Agent of its
compensation earned prior to such removal.



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Agreed to as of the 14 day of March, 2000.

                                         DM MORTGAGE INVESTORS, LLC,
                                         a Nevada limited liability company

                                         By:   Capsource, Inc. (Manager)
Attest:                                        a Nevada corporation

By:    /s/ Lance Bradford                By:   /s/ Michael V. Shustek
       ----------------------                  ----------------------
Name:  Lance Bradford                          Michael V. Shustek
Title: Secretary                               Director

Attest:                                  DM FINANCIAL SERVICES, INC.,
                                         a Nevada corporation
                                         (Dealer Manager)


By:    /s/ Paul R. Connaghan
       ----------------------
Name:  Paul R. Connaghan                 By:   /s/ Michael V. Shustek
Title: Principal                               ----------------------
                                               Michael V. Shustek
                                               Prsident

The terms and conditions contained above are hereby accepted and agreed to by:


                                         BANKWEST OF NEVADA,
Attest:                                  a Nevada State Bank

By:    /s/ M. Paul Workman               By:   /s/ Mark Larson
       ----------------------                  ----------------------
Name:  M. Paul Workman                         Mark Larson
Title: Senior Vice President                   Senior Vice President


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                                  Schedule A to
                              Bank Escrow Agreement

Fees subject to BankWest of Nevada's Master Disclosure Statement dated 3-1-2000.
Fees may be waived if earnings credits exceed monthly expenses on the account.
This is determined by Account Analysis.

In addition, in the event that BankWest of Nevada is directed to refund a
subscriber's funds, a fee of $25 per subscriber will be charged.