Exhibit 10.18

                AMENDED AND RESTATED CONSOLIDATED PROMISSORY NOTE

$1,615,000                                                    December 31, 2004
                                                              St. Marys, Georgia

      FOR  VALUE  RECEIVED,  the  undersigned,   AmeriFirst,  Inc.,  a  Delaware
corporation,  whose address is 814 N. A1A, Suite 300, Ponte Vedra Beach, Florida
32082  (the  "Borrower"),  hereby  promises  to pay to the  order of  Irving  Y.
Strickstein Revocable Living Trust (the "Lender"), whose address is 2267 Shankin
Drive, Walled Lake, Michigan 48390, the principal sum of ONE MILLION SIX HUNDRED
FIFTEEN THOUSAND and no/100 Dollars  ($1,615,000.00),  together with interest on
the outstanding  principal balance hereof at the rate provided herein. This Note
is one of the Amended and Restated  Stockholder Notes referred to in Section 5.3
of that certain  Recapitalization  Agreement  dated of even date herewith by and
between  Borrower,  Lender and  certain  other  stockholders  of  Borrower  (the
"Recapitalization Agreement").  Capitalized terms used and not otherwise defined
in this Note shall have the meanings  assigned  thereto in the  Recapitalization
Agreement. This Note shall be governed by the following provisions:

      1. Advances. The Borrower and the Lender acknowledge and agree that Lender
has  previously  made  advances to  Borrower  in various  amounts and at various
times,  but that Lender has no further  obligation  under any  agreement to make
additional  advances to Borrower.  The Borrower and Lender agree that the amount
advanced to Borrower  from  Lender,  as of the date  hereof,  and  inclusive  of
accrued  and unpaid  interest,  is  $1,615,000.00  (subject to  adjustment  upon
audit). This Note amends, restates and consolidates all loans heretofore made by
Lender to Borrower,  other than the 2004 IYS Loan and the loans evidenced by the
Amended and Restated Infinity Note.

      2.   Payments.   Subject  to  the   provisions   of  Section  1.6  of  the
Recapitalization  Agreement,  the Borrower  will apply a  percentage  of its Net
Operating Income to the repayment of this Note.

      3. Interest.  Except as provided in Section 6 below, interest shall accrue
at the Prime Rate, plus one percent (1.0%).  As used herein,  "Prime Rate" shall
mean the prime rate as announced from time to time by Comerica Bank.  Changes in
the Prime  Rate  shall be  effective  as of the  first  day of the  first  month
following any change.

      4.  Prepayments.  The  Borrower  shall be  entitled to prepay this Note in
whole or in part at any time without penalty.

      5. Application of Payments.  All payments hereunder shall be applied first
to interest, then to principal.

      6. Default. Nonpayment of principal, interest, any fee or any other amount
due  hereunder  as and when it becomes due and payable  shall be  considered  an
Event of Default
<PAGE>

hereunder.  If any Event of Default  shall  occur,  the Lender may  declare  the
outstanding  principal of this Note,  and all other  amounts  payable under this
Note to be forthwith due and payable.  Thereupon,  the outstanding  principal of
this Note and all such amounts  shall  become and be forthwith  due and payable,
without presentment, demand, protest or further notice of any kind, all of which
are hereby expressly waived by the Borrower. Upon the occurrence of any Event of
Default,  the  outstanding  principal  of this Note,  and any accrued and unpaid
interest,  shall bear interest at the highest  lawful rate  permitted  under the
laws of Florida.

      7. Expenses.  All parties liable for the payment of this Note agree to pay
the Lender all costs  incurred by it in connection  with the  collection of this
Note. Such costs include,  without limitation,  fees for the services of counsel
and legal  assistants  employed  to collect  this  Note,  whether or not suit be
brought,  and whether incurred in connection with collection,  trial,  appeal or
otherwise.

      8. Miscellaneous.  The Borrower and all sureties, endorsers and guarantors
of this Note shall make all  payments  hereunder  in lawful  money of the United
States at the  Lender's  address set forth  herein or at such other place as the
Lender may designate in writing.  The remedies of the Lender as provided  herein
shall be cumulative and concurrent,  and may be pursued singly,  successively or
together,  at the sole discretion of the Lender and may be exercised as often as
occasion  therefor shall arise.  No act of omission or commission of the Lender,
including  specifically  any failure to exercise any right,  remedy or recourse,
shall be  effective,  unless  set forth in a written  document  executed  by the
Lender,  and then only to the extent  specifically  recited therein. A waiver or
release with reference to one event shall not be construed as  continuing,  as a
bar to, or as a waiver or release of any subsequent right, remedy or recourse as
to any subsequent event. This Note shall be construed and enforced in accordance
with  Michigan  law and shall be binding on the  successors  and  assigns of the
parties  hereto.  The term "Lender" as used herein shall mean any holder of this
Note.

                                       AMERIFIRST, INC.

                                       By: /s/ John G. Took
                                           -------------------------------------
                                           John G. Tooke, President
<PAGE>

STATE OF GEORGIA
COUNTY OF CAMDEN

      The  foregoing  instrument  is  dated as of  December  31,  2004,  but was
executed,  acknowledged  and delivered  before me this 30th day of December,  by
John G. Tooke. He is personally  known to me or has produced  Florida Drivers ID
as identification  and did, in my presence,  execute this Promissory Note to and
in favor of the forenamed  Lender and delivered the same to me, whereupon I have
received same and placed it in Federal  Express for overnight  delivery to Harry
Eisenberg,  Jacob &  Weingarten,  2301 W. Big  Beaver  Road,  Suite  777,  Troy,
Michigan 48084, as agent for and on behalf of Lender.

                                       /s/ Kathleen A.  Lenehan
                                       ----------------------------------------
                                       Notary Public, State and County Aforesaid
                                       Print Name: Kathleen A. Lenehan
                                                   -----------------------------
SEAL                                   My commission expires: 3/6/07