Executive Loan Summary: Strategic Auction Acquisition &
Portfolio Development
1. Investment Strategy: High-Margin Equity Capture
Our investment model focuses on the strategic acquisition of distressed residential assets via foreclosure auctions. By leveraging
hyper-local market data and an in-house expert trade team, we are positioned to acquire three distressed properties for the cost of
one standard retail home.
We are seeking a capital partner to provide acquisition and material funding. Our objective is to capture the massive value gap
between "unfinanceable" auction assets and "retail-ready" homes by performing high-quality, code-compliant renovations.
2. The "Power Team" (Risk Mitigation)
Unlike traditional investors who face 20–30% labor markups and contractor delays, our team is vertically integrated and owner-
operated:
Project Lead & CFO: Erica VanCura Rose. Managing capital allocation, draw schedules, and brand-standard finishes.
Structural & Exterior Lead: Professional Carpenter with "Roof to Foundation" expertise. Handles all structural framing, roofing,
and custom finish work.
Systems & Safety Lead: Professional Electrician. Manages full code-compliance, panel upgrades, and modern wiring to ensure
the property meets all appraisal standards.
Acquisition & Disposition: Licensed Realtor providing real-time auction data and high-accuracy After Repair Value (ARV)
Comparative Market Analysis (CMA).
3. The Financial Model: "The Power of Three" (Example)
We specialize in curing the "unhabitable" status of properties that prevents traditional bank lending. Below is the financial breakdown
of our standard acquisition target:
Phase
Per Property (Example) Portfolio Total (3 Homes)
Acquisition (Auction)
$15,000
$45,000
Rehab Budget (Materials Only) $45,000
$135,000
Total Capital Invested
$60,000
$180,000
After Repair Value (ARV)
$250,000
$750,000
Net Equity / Potential Profit
$190,000
$570,000
Value Proposition: By utilizing roughly $180,000 in capital, our team creates over half a million dollars in equity. Our in-house labor
transforms a $15k "shell" into a $250k "designer home" that qualifies for traditional 30-year financing.
4. Market Value Explanation
Automated valuation sites (Zillow/Redfin) often undervalue our targets because they cannot account for the "internal equity" created
by professional trade labor. We solve the structural and mechanical issues that suppress the value of auction homes. Our projected
ARVs are backed by Realtor-verified comps of fully renovated homes in the local Medford/Phoenix market.
5. Repayment & Exit StrategiesA (Liquidity): Sale of renovated assets on the open market for a high-yield lump sum.
Exit B (Wealth/Hold): Refinancing into long-term DSCR (Debt Service Coverage Ratio) loans once the properties are appraised at
full market value. This allows for the return of the initial capital while retaining the assets as cash-flowing rentals.
