W. Mark Sanders Presents:

What isWhat is America’s Home America’s Home

Program?Program?

A Complete Turn-Key A Complete Turn-Key Program Averaging 58-73% Program Averaging 58-73%

ROI WhileROI While Helping Families Achieve Helping Families Achieve

thethe American Dream of Home American Dream of Home

OwnershipOwnership

What DoesWhat Does America’s Home Program America’s Home Program

Do?Do?

StabilizesStabilizes our Communities our Communities

Provides Worthy Families Provides Worthy Families with a with a PROVENPROVEN Solution for Solution for Home OwnershipHome Ownership

MaximizesMaximizes YOUR YOUR Investment!Investment!

Why Now?Why Now?

• Residential Home Values are at All Time Residential Home Values are at All Time LowsLows

• Existing Home Sales Down 27%Existing Home Sales Down 27%

• 1 in 8 Homes are Delinquent or in 1 in 8 Homes are Delinquent or in ForeclosureForeclosure

• Inventory of Real Estate Owned (REO’s) by Inventory of Real Estate Owned (REO’s) by Banks and Government is at an All Time Banks and Government is at an All Time HighHigh

Why is that important?Why is that important?

• REO Properties Become Liabilities to the BanksREO Properties Become Liabilities to the Banks

• Banks are Forced to Reserve more Cash Banks are Forced to Reserve more Cash

DepositsDeposits

• Credit Availability ShrinksCredit Availability Shrinks

• Banks are not able to make New LoansBanks are not able to make New Loans

73% of 73% of ALLALL Home Loan Home Loan Applications are Applications are

DeclinedDeclined

• Poor Credit ScoresPoor Credit Scores

• Low or No Low or No Source and Seasoning of Source and Seasoning of

FundsFunds

• Lack of Trade LinesLack of Trade Lines

The Perfect Storm!The Perfect Storm!

• LOWEST Rate of Homeownership in DecadesLOWEST Rate of Homeownership in Decades

• Deepest Discounts Deepest Discounts on REO’s When Purchased in on REO’s When Purchased in

BulkBulk

• Banks Primarily Sell to Large Investment GroupsBanks Primarily Sell to Large Investment Groups

• Relationships with large Hedge Funds and Banks Relationships with large Hedge Funds and Banks

Critical!Critical!

• We are an “Official Vendor of Freddie Mac” We are an “Official Vendor of Freddie Mac”

What Does That Mean For What Does That Mean For You?You?

• Bulk Pricing for Small QuantitiesBulk Pricing for Small Quantities• No Hidden Fees after InvestmentNo Hidden Fees after Investment• Never Have to Talk to a Contractor Never Have to Talk to a Contractor

AgainAgain• Never Have to Talk to a Tenant/Buyer Never Have to Talk to a Tenant/Buyer

AgainAgain• Full Property/Asset ManagementFull Property/Asset Management• Receive Monthly Mortgage Earnings Receive Monthly Mortgage Earnings • Collect Final Check!Collect Final Check!

What’s Different About What’s Different About AHP?AHP?

It’s a Full Service,It’s a Full Service, Turnkey Solution for Turnkey Solution for

Investors Investors ANDAND Future HomeownersFuture Homeowners

HMA Club (Home Member HMA Club (Home Member Applicant)Applicant)

• Structured Home Ownership Plan Structured Home Ownership Plan

• Monthly Down Payment EarningsMonthly Down Payment Earnings

• Mortgage Approval (MA) ServicesMortgage Approval (MA) Services

• Monthly Credit CoachingMonthly Credit Coaching

One Price, One Property,One Price, One Property, One HMA and One Exit! One HMA and One Exit!

Property Assessme

nt and Valuation

Property Assessme

nt and Valuation

Renovation

Renovation

Marketing

Marketing

Buyer Qualifying(HMA’s)

Buyer Qualifying(HMA’s)

Preliminary Closing & Monthly Earnings

Preliminary Closing & Monthly Earnings

Permanent

Financing & Exit

Strategies

Permanent

Financing & Exit

Strategies

Property Valuation and Property Valuation and BenefitsBenefits

• Every AHP property comes with pre-approved, Every AHP property comes with pre-approved,

insured retail valuation.insured retail valuation.

• Full FHA Inspection EVERY TIMEFull FHA Inspection EVERY TIME

• WarrantyWarranty Deed backed by Title Insurance Deed backed by Title Insurance

• 1 Year “Wall to Wall” Home Warranty – on steroids! 1 Year “Wall to Wall” Home Warranty – on steroids!

• 1 Year Property & Casualty Insurance – on steroids!1 Year Property & Casualty Insurance – on steroids!

• Land Trust naming YOU as the Owner/BeneficiaryLand Trust naming YOU as the Owner/Beneficiary

• Foundation & StructureFoundation & Structure

• Electrical & PlumbingElectrical & Plumbing

• Drywall, Paint & FlooringDrywall, Paint & Flooring

• Roof & ExteriorRoof & Exterior

• Doors & WindowsDoors & Windows

• New Appliances New Appliances

• Lawn and Curb AppealLawn and Curb Appeal

All

All Properties Exceed

FHA Lending

Guidelines

Renovations

Marketing the PropertyMarketing the Property

• HMA ProgramHMA Program

• National Call CenterNational Call Center

• Rent Solutions, Inc. Rent Solutions, Inc.

• Local & National Real Estate Local & National Real Estate

AgentsAgents

• Multiple Listing Service (MLS)Multiple Listing Service (MLS)

• Other Proprietary ServicesOther Proprietary Services

Buyer Qualifying (HMAs)Buyer Qualifying (HMAs)

• 7-10 HMAs per Property7-10 HMAs per Property

• Prequalify HMA’s Mortgage Application Prequalify HMA’s Mortgage Application

and Documents for FHA Financingand Documents for FHA Financing

• Select the HMAs with Potential to Obtain Select the HMAs with Potential to Obtain Permanent Financing in the Least Amount Permanent Financing in the Least Amount of Timeof Time

• Engage MA Services for Credit Engage MA Services for Credit EnhancementEnhancement

Preliminary Closing & Monthly Preliminary Closing & Monthly EarningsEarnings

• Purchase Contract Executed at Full Retail PricePurchase Contract Executed at Full Retail Price

• 2 Notes (80/20) with 2 Notes (80/20) with oneone Mortgage (credit Mortgage (credit

builders)builders)• Sales Price Recorded at Closing (important for Sales Price Recorded at Closing (important for

refinancing and re-establishing home value)refinancing and re-establishing home value)• Mortgage Advisor Monitors Credit/Loan ProcessMortgage Advisor Monitors Credit/Loan Process

• 1% Monthly Co-Beneficial Interest Given to HMA 1% Monthly Co-Beneficial Interest Given to HMA

• If HMA defaults, automatic deed in lieu of If HMA defaults, automatic deed in lieu of

foreclosure kicks in with agreement to foreclosure kicks in with agreement to

immediately vacate the property.immediately vacate the property.

We Have Now Re-Established We Have Now Re-Established the Home’s True Value!!the Home’s True Value!!

ObtainObtain “Full Retail Exit” “Full Retail Exit”

within 3-10 within 3-10 months of months of

Occupancy!!Occupancy!!

FHA RefinancingFHA Refinancing & Exit Strategies & Exit Strategies

• Land Trust Credits 1% per month Land Trust Credits 1% per month (up to 10%) Co-Beneficial Interest (up to 10%) Co-Beneficial Interest to the HMA to use for Down to the HMA to use for Down Payment & Closing CostsPayment & Closing Costs

• Re-Finance YOUR Current Re-Finance YOUR Current MortgageMortgage (in 10 months or less) (in 10 months or less)

Additional Exit StrategiesAdditional Exit Strategies

• Sell the Notes/Mortgage on the Sell the Notes/Mortgage on the Secondary Market at a Secondary Market at a Discounted Rate Discounted Rate

• Sell All or a Portion of Your Sell All or a Portion of Your Beneficial InterestBeneficial Interest

• Sell the DeedSell the Deed

How Are We Able To do How Are We Able To do This?This?

• Multiple DivisionsMultiple Divisions

•Unique Utilization Unique Utilization of of Land Trusts Land Trusts

• Partnerships & Partnerships & AffiliatesAffiliates

REO National Title REO National Title CompanyCompany

Where is your Money Where is your Money Today??Today??

Federal Reserve Reported 9/17/2010Federal Reserve Reported 9/17/2010

• $912 Billion Decline in Individual Stock Values$912 Billion Decline in Individual Stock Values• $650 Billion Drop in Retirement Savings$650 Billion Drop in Retirement Savings• $250 Billion Drop in Mutual Funds$250 Billion Drop in Mutual Funds

However, ONE Market Outperformed However, ONE Market Outperformed These Trends:These Trends:

Real Estate GREW by $46 Real Estate GREW by $46 Billion!!Billion!!

Property ExampleProperty Example

Kansas City, MO 64128Kansas City, MO 64128

4 Beds / 2 Baths4 Beds / 2 BathsProperty Retail Value: $72,000Property Retail Value: $72,000

Monthly Mortgage Payments: $720 Monthly Mortgage Payments: $720

Example $72,000 property

(Retail to HMA)REO Retail Value REO Retail Value $72,000$72,000Your Investment Your Investment $38,160 (53% CTV)$38,160 (53% CTV)Monthly Earning Monthly Earning $720$720Annualized Return Annualized Return 23%23%

Your Properties Generate MonthlyYour Properties Generate Monthly Income In The Short Term while Income In The Short Term while

Your Trust Pays You Quarterly Returns ! Your Trust Pays You Quarterly Returns !

It gets Better…It gets Better…

Return On Your Return On Your InvestmentInvestment

Sales PriceSales Price $72,000 $72,000Broker Commission (6%)Broker Commission (6%) -$ 4,320 -$ 4,320HMA Earned Equity (10%)HMA Earned Equity (10%) -$ 7,200 -$ 7,200Net Mortgage IncomeNet Mortgage Income +$ 5,832+$ 5,832Net IncomeNet Income $66,312 $66,312Investor PriceInvestor Price -$38,160-$38,160Net ProfitNet Profit $28,152 $28,152

That’s a 73% ROIThat’s a 73% ROIIn Only 10 months!!In Only 10 months!!

AHP pays “ALL” related AHP pays “ALL” related cost for:cost for:

• Closing Costs................................................Avg $1500Closing Costs................................................Avg $1500• Taxes and Pre-paids……………………….……. Avg $2000 Taxes and Pre-paids……………………….……. Avg $2000 • 12 Month Property & Casualty Insurance…... Avg $150012 Month Property & Casualty Insurance…... Avg $1500• 12 Month Home Warranty……………………....Avg $ 50012 Month Home Warranty……………………....Avg $ 500• FHA Approved Rehab…………………………....Avg $10-15KFHA Approved Rehab…………………………....Avg $10-15K

That’s An Average That’s An Average Savings Of Up To Savings Of Up To

$20,000 Per Property!!!$20,000 Per Property!!!

Flexible Funding OptionsFlexible Funding Options

• CashCash

• Self-directed IRAs and Self-directed IRAs and 401Ks401Ks

• 1031 Exchange1031 Exchange