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About Us

Finding Inspiration in Every Turn

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Meet The Team

Our Clients

Early Mortality - HUD Study

The younger they join, the faster they die

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A HUD study* ≈ 1M reverse mortgages.

Ex: A 75 female, and 12-yr life expectancy.

  • Joined - age 70s

       die 2x (Yr 6) to 3x (Yr 4) faster 

  • Joined - age 80s

       die 1.5x (Yr 8) faster

  • < 10% survived for 10 years. 

  • Already in physical/cognitive decline.

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             (See HUD Article attached)​

Self-Cancelling Installment Notes 

     SCINs

  1. Monthly payments to life expectancy, â€‹â€‹                                with a final balloon payment, if survive.

  2. Pmts cease at death from a self-cancellation clause.

  3. Self-cancellation requires an IRS 'risk premium'       payment to the homeowner.

  4. SCIN Payments = 1) interest & 2) 'risk-premium’ interest.

  5. 100% tax-deductible interest in early years.

  6. 100% additional basis principal for remaining term.

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Total SCIN payments far exceed other Home Equity payouts.

Monthly Payment SCINs

IRR - Early Mortality

                 Yr 4          128.2%

                  Yr 6             67.8%

                  Yr 8             38.0% 

                  Yr 12           17.1%

                  Balloon      10.1%

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Tax-free

Lump Sum - example

                             Cash Gain    Tax Gain

     Inheritance   = (500,000)

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     FMV               = 1,000,000   1,000,000 

     Appr (4%/5Yrs)   216,653      216,653

     FMV at death   1,216,653   1,216,653

     Cash Basis         (500,000) (1,216,653)

     Cash/Tax Gain    716,653                  0             IRR 19.5% - Tax-free   

Investment Opportunity

NFT Dollar Cost Averaging

NFT for Immediate Liquidity

$8 Trillion in Senior Home Equity

Diversify by Homes and Homeowners

Help Senior Homeowners Age-In-Place

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     The POWER of Early Mortality and Self-Cancelling Installment Notes

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