1. Partners Program Process 1

2. Overview of the Process 2

3. Step 1: Pre-Qualification We need to find out if the partner qualifies for our Partners Program. We introduce you to our preferred lenders, who will contact you to start the loan approval process. The deposit required to start the process is $1,000.00. This is refundable if the partner does not qualify. All dollars are deposited into our investment account. And held during the review process upon approval an investment account is set up with viewable access to the partner. (An additional $1,500.00 will be required once you have been approved Step 2). The loan the investor is applying for is a FHA 230K. An Investor can only qualify for a maximum of three loans. Once the Investor has been approved for a loan we move to Step 2 Cash Investments All cash investments or dollars from their Retirement accounts would skip Step 1 & 2 except for the earnest monies required. 3

4. Step 2: Loan Approved When the loan is approved, we are then informed as to the amount of investment dollars the partner is approved for. (Under the FHA 230K investors are limited to three properties). We then require an additional $1,500.00 as the balance of the deposit that is required. (This money, as you will see later in the presentation is what we use for earnest funds to get your property) All $2,500.00 is now being held in your investment account and is viewable online 24 hours a day / 7 days a week. 4

5. Step 3: Finding the Property Now that we have a partner with a pre-approved loan or cash (if so chosen by the partner) we now turn to the work of finding the investment property. The Partners Program includes finding foreclosed property that meets the return criteria we need to make our program profitable. We narrow down, through extensive market and property research, 3 to 5 of the best properties on the market. We spend about 200 hours of analysis to get to this point. Once we locate the properties and run our initial return model on them, it is a race to review them as quickly as possible as they are only on the market a very short time. (First come first serve.) Once we have identified the absolute best property we write up a contract with the seller to gain control of the property. This is where we use the deposit in your bank account for earnest money. Once we have the property or properties tied up, we have 10 days to complete step 4. 5

6. Step 4: Evaluation of Property Once we have a property or properties tied up we now send in our team to evaluate the property from top to bottom for what the repair and remodeling costs will be. We use this time to verify and cross check everything about the property from repairs, expenses, rent, market outlook etc. We then insert the numbers into the model on the next slide. 6

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9. Step 5: Contract Now that we have found the best property, cross checked the numbers we execute the contract. The earnest money that we had in your account is now given to the listing company. We give to the lender a copy of the contract for them to do their own inspection and appraisal to be sure it meets their lending criteria of no more that 65% loan to value. Example would be: Appraisal of Home $100,000.00 Maximum Loan $65,000.00 Immediate equity in Investment $35,000.00 Note: All of this must happen within 10 days 9

10. Step 6: Closing on Property Now that we have found the property, done the evaluation and reviewed the model, we are now ready to close. The property is closed in the partner’s name. Since we have partner’s from all over the country we are used to and set up to have the closing done through overnight mail. Once the property has been closed for a couple of months we will move the title into the partner’s LLC that we have set up for the client in his or her name. This gives the partner asset protection. The property always belongs to the partner and is only used for the rental program. Now that investor owns the property we can start Step 7 10

11. Step 7: Remolding/ Repairs Since most of the properties have been bought in foreclosures we now need to do the repairs / remodeling to the levels we had used in the budget. The program is bound by the 65% loan to value that we must bring the home in for. As the work is being done, the lender sends out their inspector to be sure the work is completed and meets their standards before releasing the funds to the contractor. The partner never writes a check for any repairs during renovation. Once the house has passed all the county requirements and has passed the lenders inspection we are now ready for a tenant. 11

12. Step 8: Tenant Selection When we are at a point on the Repair/Remodel that we feel the house will show, we then bring in our management team that will find us a tenant. Once we have a tenant that wants to rent our house the team goes to work to help them with all of the Housing Authority paperwork required. Once the paperwork is in place and they have identified our property as the house they want to rent, we now order any Housing Authority inspection needed. Before a tenant can move in, it must pass the inspection. Housing Authorities have their own set of requirements that we also have to meet before they approve us. We are now approved for the Housing Authority tenant to move in which takes us to step 9 12

13. Step 9: Rents/Reports/ Maintenance Now that we have a tenant and they have moved in, we now will start receiving, in about 45 days, our guarantee rent check from the Housing Authority. All monies are deposited into your investment account that you can review online. (We currently use SunTrust Bank.) We, as your partners, will pay all of the bills that are due and make sure any repairs are completed as needed. We will oversee the management company of the property and will oversee if needed a new tenant in the future. We will also oversee any repairs that need to be done why we are waiting to sale. We make sure that everything is being done and that the partner has nothing to worry about or do. As our partners you have access to everything from the bank statements, house status (recent repairs, expenses, tenant communication) all online anytime you want through out property management software. Of course we are only a phone call away as well. As partners we do not get a fee for our services, we share in the excess rents 50/50 after all expenses are paid. We only get our return if the house is making money just like our partner. Please review the model to see the line item monthly expenses. This is a 3-5 year hold we believe. At the end of this period we move to Step 10 13

14. Step 10: Sale of Property Again, we believe this to be a 3-5 year hold. Our duty, as your partner, is to continue to evaluate the market to see if our investment is at the optimal time to make the best return. As your partner this is the most important decision for us to make together. We will discuss with you our findings and come to an agreement on the next steps to take. Once we have sold the property and paid all bills, we each split the profit 50/50. 14