I had been setting up quite a portfolio of houses that I rent out. I had just reached fourteen when my wife fell ill. After eleven months she eventually lost her battle to cancer. I struggled on for some while numbed to the reality of loosing my soulmate. Eventually I heard of another house going cheap as it required a lot of improvements. I bought it and threw myself into the refurbishment. I had just let it out when one of my other tenants failed to pay their monthly rent. I called around and could not raise anyone. I tried again the following day, still with no success. Then I tried a third time. Still no joy, so I left a note for the tenants informing them that if they failed to contact me I would take action to repossess the property. A week later with no contact, I decided to take my keys and see if they had left or what was happening. On entering the building there was nobody there, although their possessions were still there. The place was clean and tidy and looked as if perhaps they were away on holiday. I collected my note and decided to call again in a weeks time. This time it took some while before Gemma opened the door and invited me in. She was very apologetic and said that she would need a little time to pay the rent. At that point she burst into tears telling me that her partner of seven years, Joyce, had left her. They had been very good tenants and I had no issues with them or the house in the six years that they had lived there. Gemma went on to say that Joyce had emptied their joint account and gone off with another woman. Gemma went on to say that she should be able to pay the rent and back rent when she got paid at the end of the month. I agreed to give her the extra time and left telling her if it was not settled I would have to come back. I left a tearful Gemma as I went home. Driving home my mind turned over the fact that such an attractive girl was a lesbian, her ex partner Joyce was a little more butch, but still fairly attractive. The thought of them caused me to get an erection. Once home I realized that it was a long time since I had any contact with a female and ended up masturbating thinking about Gemma. Two weeks later Gemma had paid the back rent, but only half of this months rent. I decided to make another visit. Gemma answered the door and welcomed me in. She was apologetic again. She said that between other debts that Joyce had left her with and needing to feed herself she couldn't pay the full amount, but should be able to catch up next month. I was firm, but fair with her telling her that I could not allow this to go on for too long or I would have to start the repossession process. Gemma burst into floods of tears. I felt sorry for her and allowed her to cry on my shoulder. She said she would do anything to get herself out of the debts that Joyce had left and get straight again. I was aware that Gemma had been the main bread winner and had a good job. Whilst sobbing on my shirt I could see down Gemma's blouse and could see that she had a nice large pair of tits. This fact did not elude my cock that was quick to spring into life causing me some discomfort. Here I was a 62 year old man, staring down the blouse of an early forties woman and getting excited. Gemma was telling me all the things that Joyce had done before she left and how much she had been hurt by her. Then she blurted out that she had never been with anyone other than Joyce. I think it was at this point that Gemma noticed my erection. Then she said something that shocked me, "I have never even seen a mans thing, not even my dads." Then she burst into tears again. "I gave my life to Joyce and this is what she did to me." Then her hand fell into my lap. I wasn't sure if it was an accident or deliberate. I tried to ignore it. Then she stroked my erection. It was clearly deliberate. My cock twitched at the contact. I was sat with a technical virgin that was stroking my cock. I decided that I wanted to see those generous sized tits and cupped one. Gemma just groaned as I gently squeezed it. As she didn't pull away or scream rape or something similar, I decided to reach inside the blouse and really enjoy her tits. Again Gemma didn't stop me, instead she seemed to have spread her legs wider. Her hand was now opening my zip and trying to get inside my pants. I had to help her by undoing my belt and easing my trousers and pants down. Gemma was now examining my cock. I was hopeful that she might suck it, but realized that as it was the first cock she had ever seen my chances of a blow job was slim. I slipped my hand under her skirt and up her legs to her hot pussy. The pussy that had never been penetrated by a cock. Gemma groaned very loudly as I stroked her through her panties. I moved closer and kissed Gemma. For a second she pulled away and then changed her mind and kissed me back. When we broke for air Gemma suggested we move to her bedroom. The thought of Gemma and Joyce licking and sucking each others pussies in this very bedroom had my cock throbbing. I undressed Gemma and then helped her undress me. She seemed a little at loss as what to do next, so I lay her on her bed and went down on her hot pussy. She giggled as I licked her and said that it was a lot different to what Joyce felt like licking her. It didn't stop her getting worked up and heading straight into an orgasm. I peeled her pussy lips wide as I licked her and could see that her hymen was still intact, she was still a virgin. As she came down from her orgasm she asked what else I could do. I moved up her body and rubbed my sore dick along her slit. Gemma groaned loudly. Then my cock was in the entrance to her pussy. I felt her shiver and then I slowly pushed applying more and more pressure until her hymen gave way allowing me to slowly slide into her pussy. She was gripping me tightly to her as she groaned at the intrusion into her pussy. Once fully embedded in her I held still giving Gemma time to get used to the feel of my cock in her pussy and to get her breath back. Then she initiated our fucking by moving her hips. I followed her lead and started with long slow strokes. Gemma wanted more and faster by the movements from her hips. I sped up to meet her hips and pussy as it stretched to get as much of my cock in her as we could. Then she was shaking all over as she came for the first time due to a cock in her pussy. I kept pumping away getting closer to my own climax. Then Gemma was almost screaming at me to fuck her harder. I slammed into her pussy with all I could muster. It triggered Gemma's orgasm and in turn triggered my own orgasm as I filled her pussy with my cum. Then we were laying cuddling in the cooling off from our efforts. Gemma was kissing me and thanking me for showing her how good sex with a man could be. I was surprised as it should have been me thanking Gemma for giving me her virginity and allowing me to fuck this gorgeous young woman. Then it struck me! I had just fucked a virgin who up till now had only been with a woman, what was the chances that she was on any form of contraception. I asked Gemma who confirmed my thinking that she was not on any contraception. That didn't stop us later that evening making long slow sensual love ending with me filling her pussy for a second time. Fortunately I did not get Gemma pregnant. I supported her through her financial problems and she is now financially independent again. Joyce tried to move back in with Gemma. Gemma had the sense to kick her out and tell her that she was not needed. I had three more nights of passion with Gemma before she met with a couple her own age that were both bisexual. She is now in a relationship with both of them. Talk about getting the best of both worlds. I still enjoy collecting her rent and the occasional cuddle, but that is where it ends. As for me, I now have a new love in my life that keeps me warm.