CASH FLOW CASH FLOW PROPERTIESPROPERTIES

SAN ANTONIO, TEXAS

CASH FLOW, EQUITY AND APPRECIATION

TESORO HOMES AND DEVELOPMENT, LTD.

JORDAN LOVE 210-822-4222

INVESTMENT INVESTMENT OPPORTUNITIESOPPORTUNITIES

Tesoro Homes and Development, Tesoro Homes and Development, Ltd. is pleased to offer our fantastic Ltd. is pleased to offer our fantastic investment opportunities in San investment opportunities in San Antonio, Texas.Antonio, Texas.

If you are looking for a high quality If you are looking for a high quality investment property with a positive investment property with a positive monthly cash flow and instant monthly cash flow and instant equity then we are your builder!equity then we are your builder!

Our multi family division constructs Our multi family division constructs townhomes, fourplex and duplex townhomes, fourplex and duplex buildings in and around San buildings in and around San Antonio.  We have plans to expand Antonio.  We have plans to expand into other markets nationally in the into other markets nationally in the future.  future.  

We strive to offer our investors an We strive to offer our investors an easier way to invest.  We do not easier way to invest.  We do not stop at only building you a quality stop at only building you a quality built product that will help you built product that will help you achieve your investment goals but achieve your investment goals but we also have a partnership with our we also have a partnership with our preferred lender, Wells Fargo preferred lender, Wells Fargo Mortgage, and with a property Mortgage, and with a property management firm, Ready Rentals.  management firm, Ready Rentals.  We want to make your investment We want to make your investment decisions a little easier by having decisions a little easier by having these services ready for you to these services ready for you to utilize.  So the next time you are utilize.  So the next time you are looking to make a real estate looking to make a real estate investment contact Tesoro Homes; investment contact Tesoro Homes; where we make investing easy.where we make investing easy.

CASH FLOWCASH FLOWPURCHASE PRICEPURCHASE PRICE $415,000$415,000

DOWN PAYMENT (20% DOWN PAYMENT (20% DOWN)DOWN)

MORTGAGEMORTGAGE

$83,000$83,000

$332,000$332,000

11STST MORTGAGE PMT. @ 7% MORTGAGE PMT. @ 7%

PROPERTY MGMT. PROPERTY MGMT. ($50/UNIT)($50/UNIT)

PROPERTY TAX (2.55%)PROPERTY TAX (2.55%)

HOMEOWNER’S HOMEOWNER’S INSURANCEINSURANCE

$2,196$2,196

$200$200

$882$882

$100$100

TOTAL MONTHLY TOTAL MONTHLY EXPENSESEXPENSES

$3,378$3,378

RENTAL INCOME RENTAL INCOME ($1,050/UNIT)($1,050/UNIT)

NET PROFITNET PROFIT

$4,200$4,200

$822/MONTH$822/MONTH

ANNUAL PROFITANNUAL PROFIT

CASH ON CASH RETURNCASH ON CASH RETURN

$9,864$9,864

11.88%11.88%

MARKET INFORMATIONMARKET INFORMATION ABOUT TEXASABOUT TEXAS

Texas’ population is projected to grow by ten million people, from about 23 million Texas’ population is projected to grow by ten million people, from about 23 million in 2005 to 33 million by 2030, a 43.5 percent increase or roughly 1.7 percent per in 2005 to 33 million by 2030, a 43.5 percent increase or roughly 1.7 percent per year.year.

ABOUT SAN ANTONIOABOUT SAN ANTONIO

The city of San Antonio, situated in south-central Texas, is the county seat of BexarThe city of San Antonio, situated in south-central Texas, is the county seat of BexarCounty, which is the third largest county in the state of Texas. Considered a County, which is the third largest county in the state of Texas. Considered a gateway ofgateway offoreign trade, San Antonio is recognized by Business Facilities magazine as one of foreign trade, San Antonio is recognized by Business Facilities magazine as one of thethefive major logistical locations in the country for warehousing and distribution. It five major logistical locations in the country for warehousing and distribution. It benefits from its proximity to Mexico and has reaped the economic rewards of the benefits from its proximity to Mexico and has reaped the economic rewards of the North American Free Trade Agreement (NAFTA). Over half of the goods moving in North American Free Trade Agreement (NAFTA). Over half of the goods moving in and out of Mexico pass through the city of San Antonio and this trade is expected to and out of Mexico pass through the city of San Antonio and this trade is expected to grow. Thirty percent of the city's retail market demand comes from shoppers living grow. Thirty percent of the city's retail market demand comes from shoppers living in Mexico.in Mexico.

POPULATIONPOPULATION

The US Census Bureau indicated that San Antonio was the nation's second fastestThe US Census Bureau indicated that San Antonio was the nation's second fastestgrowing major city from 1990 to 2000. The city grew 14.5% percent over that growing major city from 1990 to 2000. The city grew 14.5% percent over that decade todecade toa population of 1,144,646. The reported 2007 population estimate is 1,259,735 a population of 1,144,646. The reported 2007 population estimate is 1,259,735 indicatingindicatinga growth rate over the past seven years of over 1.4% per year. The San Antonioa growth rate over the past seven years of over 1.4% per year. The San AntonioMetropolitan Statistical Area (MSA) that includes Bexar, Comal, Guadalupe, and Metropolitan Statistical Area (MSA) that includes Bexar, Comal, Guadalupe, and WilsonWilsoncounties has a current population of 1,985,996 with over 1.5 percent annual growthcounties has a current population of 1,985,996 with over 1.5 percent annual growthprojected through the year 2012. The MSA grew by 21.6% between 1990 and 2000,projected through the year 2012. The MSA grew by 21.6% between 1990 and 2000,which is similar to the overall state of Texas at 22% over the same time.which is similar to the overall state of Texas at 22% over the same time.

EMPLOYMENTEMPLOYMENT

San Antonio is considered the economic trade center for an area that includes San Antonio is considered the economic trade center for an area that includes Bexar,Bexar,Comal, Wilson and Guadalupe counties representing the San Antonio MetropolitanComal, Wilson and Guadalupe counties representing the San Antonio MetropolitanStatistical Area (MSA). The total MSA civilian labor force (C.L.F.) is 930,495. TheStatistical Area (MSA). The total MSA civilian labor force (C.L.F.) is 930,495. Thecurrent unemployment rate is approximately 3.8% as compared to the entire state current unemployment rate is approximately 3.8% as compared to the entire state ofofTexas at 4.2%. Employment trends for the San Antonio MSA since 1997 are Texas at 4.2%. Employment trends for the San Antonio MSA since 1997 are illustratedillustratedin the charts on the following page:in the charts on the following page:

S.A. is no. 2 on list of 'recession-proof' citiesS.A. is no. 2 on list of 'recession-proof' citiesThe Forbes.com study ranks San Antonio second only to Oklahoma City in its ability The Forbes.com study ranks San Antonio second only to Oklahoma City in its ability to withstand recessionary pressures. to withstand recessionary pressures.

Alamo City records strong business growth, Fed index shows Alamo City records strong business growth, Fed index shows San Antonio's San Antonio's economy continued to grow in January with a 4.5 percent increase in its business economy continued to grow in January with a 4.5 percent increase in its business cycle index, the cycle index, the Federal Reserve Bank of DallasFederal Reserve Bank of Dallas reports. reports.

GREATER SAN ANTONIO GREATER SAN ANTONIO PROFILEPROFILE

San Antonio Offers:

One of the fastest growing job markets

Lower business and lifestyle costs than comparable citiesA well educated productive workforce

Largest Public Sector Employers:Lackland Air ForceBase/37th Training Wing, Fort Sam Houston, Randolph Air Force Base, City of San Antonio, Northside Independent School District, University of Texas Health Science Center at San Antonio, University Health System, CPS Energy, Bexar County, University of San Antonio, Brooke Army Medical Center, Brooks City-Base, U.S. Postal Service, San Antonio Police Department and South Texas Veterans Health Care System.

Largest Private Sector Employers: AT&T, H.E.B. Grocery Company, Valero Energy Corporation, USAA, Zachry Group, Sanitors, Inc., Baptist Health System, Methodist Health System, Administaff, Eye Care Centers of America, Taco Cabana, VIP Temporaries, Frost National Bank, Southwest Research Institute, Aaron Rents and Sells Furniture, Christus Santa Rosa health Care, Wachovia, JP Morgan Chase Bank and Citicorp.

Source: Largest Employers Directory 2006, The Greater San Antonio Chamber of Commerce

Total Employment San Antonio MSA

Total Wage and Salary Employment 11,535,540

Civilian Labor Force 926,108Unemployment 40888Unemployment rate 4.2%Source: Alamo Worksource

Taxing Authority Rate per $100

Bexar County 0.295City of San Antonio 0.572School Districts 1.16-1.145Source: Bexar County Tax Assessors Office and Texas Comptroller of Public Accounts

FRONT ELEVATIONFRONT ELEVATION

FLOORPLANSFLOORPLANS

•Open Floor Plan

•Concrete stained floor on entire 1st floor

•First Floor Powder Room

•Fully Equipped Kitchen

Refrigerator, dishwasher and electric range

•100% Rent Ready

FLOORPLANSFLOORPLANS

•Window treatments on all windows

•Garage Door Openers

•Maintenance Free Siding

•Fully Landscaped

HOME FEATURESHOME FEATURES KitchenKitchen

Built-in Vent a Hood (white)Built-in Vent a Hood (white)Laminate countertopsLaminate countertopsEstate oak raised panel cabinetsEstate oak raised panel cabinetsStainless steel double basin sinkStainless steel double basin sinkElectric dishwasher (white)Electric dishwasher (white)Electric stove (white)Electric stove (white)Garbage disposal ½ horsepowerGarbage disposal ½ horsepowerRefrigeratorRefrigerator

Powder RoomPowder Room

Pedestal sinkPedestal sinkChrome fixturesChrome fixturesOversized mirror with cosmetic lightingOversized mirror with cosmetic lighting

Bathrooms 1 & 2Bathrooms 1 & 2

Tub-Shower combination with surroundTub-Shower combination with surroundDrop sinkDrop sinkChrome bath fixturesChrome bath fixturesOversize mirror with cosmetic lightingOversize mirror with cosmetic lightingCultured marble counter topCultured marble counter topLow maintenance vinyl flooring in upstairs Low maintenance vinyl flooring in upstairs bathroomsbathrooms

Energy PackageEnergy Package

Temp-Star energy saving high efficiency Temp-Star energy saving high efficiency central air and heat system, 2.5 ton, 14 seer central air and heat system, 2.5 ton, 14 seer rating rating Electric 40 gallon rapid recovery energy Electric 40 gallon rapid recovery energy efficient water heaterefficient water heaterR-13 exterior wall insulationR-13 exterior wall insulationR-30 blown batt ceiling insulationR-30 blown batt ceiling insulationPoly-foam sealant at all exterior walls, doors Poly-foam sealant at all exterior walls, doors and windows toand windows toreduce energy lossreduce energy lossLow E Insulated sealed and insulated double Low E Insulated sealed and insulated double pane windowspane windowsInsulated steel front and rear doors with Insulated steel front and rear doors with weather strippingweather stripping

LandscapingLandscaping

SOD grass front and back yardsSOD grass front and back yards(2) 9ft 20 gal trees(2) 9ft 20 gal trees

Designed FeaturesDesigned Features

Colonial wood trim on baseboards and door Colonial wood trim on baseboards and door casingcasingContrasting wall and trim colorContrasting wall and trim colorCustom Orange Peel wall and ceiling Custom Orange Peel wall and ceiling texturetextureQuality weather resistant exterior paintQuality weather resistant exterior paintLow maintenance concrete stain floors (1st Low maintenance concrete stain floors (1st floor)floor)100% Nylon carpet with ½ inch pad (stairs, 100% Nylon carpet with ½ inch pad (stairs, hallway and bedrooms)hallway and bedrooms)(2) Cable TV outlets(2) Cable TV outlets(2) Telephone outlets(2) Telephone outletsClassic sculptured interior doorsClassic sculptured interior doorsHouse numbersHouse numbersMini blindsMini blindsGarage Door OpenersGarage Door Openers

Safety FeaturesSafety Features

Smoke detectorsSmoke detectorsGround fault interrupter breakersGround fault interrupter breakersSolid core garage entry doorSolid core garage entry door(2) Weatherproof exterior electrical outlets(2) Weatherproof exterior electrical outletsDeadbolt locks on front and rear exterior Deadbolt locks on front and rear exterior doorsdoorsPrivacy locks in master bath & bathroom Privacy locks in master bath & bathroom Privacy locks in 2nd bath and powder roomPrivacy locks in 2nd bath and powder room

Quality ComparisonsQuality Comparisons

Slab individually designed and engineered Slab individually designed and engineered for your lotfor your lotWall & roof construction with 2x6 / 2x8 roof Wall & roof construction with 2x6 / 2x8 roof raftersraftersWeather resistant sidingWeather resistant sidingStucco frontStucco front20 year roof shingles20 year roof shinglesSteel embossed garage doorSteel embossed garage door(2) Exterior hose bibs(2) Exterior hose bibs

Builders 2/10-Year Home Warranty Builders 2/10-Year Home Warranty ProvidedProvided

Due to constant product improvements and Due to constant product improvements and availability, features and brand names are availability, features and brand names are subject to change without notice.subject to change without notice.

PHOTOSPHOTOS

4-PLEX TOWNHOUSE BUILDINGSEACH UNIT HAS 3 BEDROOMS, 2.5 BATHS WITH 1 CAR GARAGE AND 1277 SQUARE FEET LIVING AREA

HOW CAN I INVEST?HOW CAN I INVEST?

TO REQUEST YOUR PURCHASE PACKAGE CALL OR TO REQUEST YOUR PURCHASE PACKAGE CALL OR EMAIL!EMAIL!

TESORO HOMES & DEVELOPMENT, LTD.TESORO HOMES & DEVELOPMENT, LTD.

9310 BROADWAY BLDG. 19310 BROADWAY BLDG. 1

SAN ANTONIO, TX 78217SAN ANTONIO, TX 78217

JORDAN LOVEJORDAN LOVE

JORDAN@TESOROHOMES.NETJORDAN@TESOROHOMES.NET

210-822-4222 OFFICE210-822-4222 OFFICE

210-954-1372 CELL210-954-1372 CELL

210-822-6363 FAX210-822-6363 FAX

TIMING IS EVERYTHING WITH ALL INVESTMENT OPPORTUNITIES. WE FEEL TIMING IS EVERYTHING WITH ALL INVESTMENT OPPORTUNITIES. WE FEEL THAT THIS IS A GREAT INVESTMENT OPPORTUNITY FOR THOSE WHO GET THAT THIS IS A GREAT INVESTMENT OPPORTUNITY FOR THOSE WHO GET INVOLVED AT THIS STAGE. TO GAIN MAXIMUM BENEFIT WE RECOMMEND INVOLVED AT THIS STAGE. TO GAIN MAXIMUM BENEFIT WE RECOMMEND THOSE INTERESTED TO PURCHASE TODAY. THOSE INTERESTED TO PURCHASE TODAY.

DISCLAIMER NOTICEDISCLAIMER NOTICE

The materials and information contained in this document are provided on an “as is” basis and “as available” basis The materials and information contained in this document are provided on an “as is” basis and “as available” basis without representations or warranties of any kind. Tesoro Homes expressly disclaims any and all such representations without representations or warranties of any kind. Tesoro Homes expressly disclaims any and all such representations and warranties, other expressed or implied, including without limitation warranties of title, non-infringement, or implied and warranties, other expressed or implied, including without limitation warranties of title, non-infringement, or implied warranties of merchantability or fitness for a particular purpose. Tesoro Homes does not warrant the accuracy or warranties of merchantability or fitness for a particular purpose. Tesoro Homes does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. Tesoro Homes completeness of the information, text, graphics, links or other items contained within these materials. Tesoro Homes may make changes to this material at any time without notice. While Tesoro Homes strives to keep the information in may make changes to this material at any time without notice. While Tesoro Homes strives to keep the information in this material accurate and current, Tesoro Homes cannot guarantee the accuracy, completeness or timeliness of this of this material accurate and current, Tesoro Homes cannot guarantee the accuracy, completeness or timeliness of this of the information. Information within these materials may contain technical inaccuracies or typographical errors. Tesoro the information. Information within these materials may contain technical inaccuracies or typographical errors. Tesoro Homes reserves the right to make changes, corrections and/or improvements to the information contained within these Homes reserves the right to make changes, corrections and/or improvements to the information contained within these materials at any time, without notice. This is not an offering for securitiesmaterials at any time, without notice. This is not an offering for securities

We are in a market with rapidly changing interest rates. A steady rise in interest rates could alter your cash flow. As We are in a market with rapidly changing interest rates. A steady rise in interest rates could alter your cash flow. As with any large purchase, it is highly recommended that you perform your own due diligence. There are no guarantees with any large purchase, it is highly recommended that you perform your own due diligence. There are no guarantees made and your returns could be higher, lower, or you could lose money. The length of time to build your property could made and your returns could be higher, lower, or you could lose money. The length of time to build your property could vary depending on weather, city inspections, etc.vary depending on weather, city inspections, etc.