David Green and Carl Streck  of Mountain Seed Advisors recently completed a $275M  recapitalization of the Va.-based Hampton Roads Bankshares. The two dug into the bank's loan and REO portfolio to help Carlyle Group  and Anchorage Advisors assess how much to invest in the bank. There's good reason major institutional investors listen to them. This is the same duo that  made headlines when they called the then-imminent collapse of Corus Bank's loan holdings in the Atlanta market. Since then, consulting work has overtaken the firm's real estate investment  and development arm-Trinity Development-in business velocity, says Carl. "We started to get a significant portion of our revenue from consulting," David adds. "Today collateral is all that matters. Credit means less than the value of the underlying properties," Carl says.