Why Invest With Us?
Affordable Holdings has had mutually beneficial dealings with Associates, both as passive and participating investors. We are looking to set up a small number of Circle of Life agreements with Passive Investors and Participating Investors at this time. The goal for this offering is to enable the full development of the properties which we currently own, and to provide more affordable rental housing units. The small number of investors we are looking for is by private arrangement, and all investments are secured either by promisory note, or directly against a specific property (either as a mortgage registered against title or by being named on title). As such the business relationship we are offering is very personal. Investments in our business are by private arrangement only, and do not constitute a public offering.
If you have ever looked into other real estate backed investments, you may be familiar with the companies out there who promote through heavy sales pitches, or others referring to their past track records of high average returns (i.e. Mortgage Investment Corporations "MIC"). They all typically have a common 'trust me' theme, yet when you read the fine print it becomes very obvious they often avoid accountability. Affordable Holdings has done considerable research on these offerings and have tailored our investments on their best features, and removed their more negative features.
The other offerings out there often have high commissions, fees, and management contracts, with multiple layers of companies and trusts, and complicated share and unit structures, that are all aimed to guarantee that their principals make money with your investments.....with no guarantees to the investor...and often with no risk to themselves. Also once you are invested with those schemes there is no assurance you will ever get your money back out (otherwise know as Redemption Restrictions). Their schemes are all perfectly legal so long as they provide full disclosure to you in their Offering Memorandum. This is not to say that all schemes are the same....there are some that manage their commissions and fees to a reasonable level, but the message is look at the fine print before you commit.
We encourage you to take the time to ask these organizations for a copy of their Offering Memorandum and urge you to read the fine print carefully, prior to committing funds. Once you sign their Subscription Agreement it confirms that you have been provided with their Offering Memorandum and you in turn agree to forefeit all rights, priveleges, and control of how your money is spent. If they don't perform, or worst case go out of business, you have very little claim against them unless you can prove negligence or fraud. We have found schemes that take as much as 35% 'off the top' the moment you hand over your money...all perfectly legal if disclosed in their Offering Memorandum. As an experienced real estate investment organization, we can assure you it takes a long time to make up that kind of reduction in investor capital. Especially in these uncertain economic times.
As a point of interest, take note of the advertisements in the local newspaper by the Mortgage Investment Corporations who are now just starting to declare their returns for 2011. Expect to see rates around the 5-6% level, but once their administration fees are taken off, the net rates are more like 3.5-4.5%. We can provide very competitive potential returns, without the fine print and typical drawbacks of MIC agreements.
Affordable Holdings can offer you simple mechanisms to protect your invested funds. We don't have one-sided legal documents with fine print that avoids us being accountable to you. As an investor with Affordable Holdings you become an Associate of the business. We don't make money off your investment until you do. By paying you first, investing our own money in every property, and running a tight ship when it comes to bureacracy and expenses, you can rest assured that we are heavily incented to invest your money wisely.
Who Should Be Interested In Investing?
One scenario that is potentially attractive to investors is the application of an unused Line of Credit (LOC). This is where an investor uses their dormant and unused LOC headroom to provide an advance to Affordable Holdings, in return for a rate of return above their LOC interest rate. This enables the investor to have their LOC working for them rather than sitting idle. Think of it as found money!
A second scenario could be where an investor decides to cash out from the volatility of the stock market, or those mutual funds that keep going nowhere but down in value despite the assurances from the so called expert brokers and financial advisors.
Another scenario could be an investor who needs regular monthly cash flow but recognises that GIC's can't provide sufficient monthly cash flow to live on, or is frustrated with rates of return that don't even keep up with the real cost of living.
And remember those real estate-backed investment companies that promote great average returns on investment? The monthly returns may look good, but have you ever taken the time to read the fine print in the Offering Memorandums? Surprisingly it appears routine for some investment schemes to make no guarantee about returning your initial capital back to you. In our opinion that's more like speculation than investment.
Hopefully, you have not got involved with the worst of the schemes out there...the dreaded Ponzi. This is where the earlier investors get paid out of investments made by the later investors, until eventually the house of cards collapses. Call us old-fashioned but we are absolutely shocked at just how many Ponzi schemes are now coming to light and how much money has been lost because of them.
The Affordable Holdings Difference.
An investment in Affordable Holdings & Associates is backed by a rock solid real estate portfolio with positive monthly cash flow, low debt-to-equity, and considerable development upside potential. You can also rest assured that Affordable Holdings is managed extremely well by its original founder who has been making money in real estate investments and providing affordable rental housing since 1983. He has personally bought, held, developed, and sold more than 50 properties during this timeframe.
We have developed great skill in identifying and implementing the 'highest and best use' of properties, while providing the social benefit of affordable rental units. We focus on properties that fit an identified niche. And our methodology is proven.
Are You And Affordable Holdings The Right Fit?
We are looking for Associates who share our vision of making money with a social conscience. We pride ourselves in creating winning outcomes for our tenants, investors, the local community, and the business. Yes it is possible to make good money for our investors, while at the same time caring for our tenants' well-being. Do you care enough to do the right thing, even if it may not maximize the return on investment? Are you also looking to develop a longterm meaningful relationship with the organization in which you entrust your money? Is safety of your capital important to you?
The formal agreements with our Associates are both straight forward and without the fine print that avoids accountability.
The relationships we develop are based on trust and open dialogue, and we deliver on our commitments.
If our joint expectations seem reasonable to you, then please read on.....
If you have ever looked into other real estate backed investments, you may be familiar with the companies out there who promote through heavy sales pitches, or others referring to their past track records of high average returns (i.e. Mortgage Investment Corporations "MIC"). They all typically have a common 'trust me' theme, yet when you read the fine print it becomes very obvious they often avoid accountability. Affordable Holdings has done considerable research on these offerings and have tailored our investments on their best features, and removed their more negative features.
The other offerings out there often have high commissions, fees, and management contracts, with multiple layers of companies and trusts, and complicated share and unit structures, that are all aimed to guarantee that their principals make money with your investments.....with no guarantees to the investor...and often with no risk to themselves. Also once you are invested with those schemes there is no assurance you will ever get your money back out (otherwise know as Redemption Restrictions). Their schemes are all perfectly legal so long as they provide full disclosure to you in their Offering Memorandum. This is not to say that all schemes are the same....there are some that manage their commissions and fees to a reasonable level, but the message is look at the fine print before you commit.
We encourage you to take the time to ask these organizations for a copy of their Offering Memorandum and urge you to read the fine print carefully, prior to committing funds. Once you sign their Subscription Agreement it confirms that you have been provided with their Offering Memorandum and you in turn agree to forefeit all rights, priveleges, and control of how your money is spent. If they don't perform, or worst case go out of business, you have very little claim against them unless you can prove negligence or fraud. We have found schemes that take as much as 35% 'off the top' the moment you hand over your money...all perfectly legal if disclosed in their Offering Memorandum. As an experienced real estate investment organization, we can assure you it takes a long time to make up that kind of reduction in investor capital. Especially in these uncertain economic times.
As a point of interest, take note of the advertisements in the local newspaper by the Mortgage Investment Corporations who are now just starting to declare their returns for 2011. Expect to see rates around the 5-6% level, but once their administration fees are taken off, the net rates are more like 3.5-4.5%. We can provide very competitive potential returns, without the fine print and typical drawbacks of MIC agreements.
Affordable Holdings can offer you simple mechanisms to protect your invested funds. We don't have one-sided legal documents with fine print that avoids us being accountable to you. As an investor with Affordable Holdings you become an Associate of the business. We don't make money off your investment until you do. By paying you first, investing our own money in every property, and running a tight ship when it comes to bureacracy and expenses, you can rest assured that we are heavily incented to invest your money wisely.
Who Should Be Interested In Investing?
One scenario that is potentially attractive to investors is the application of an unused Line of Credit (LOC). This is where an investor uses their dormant and unused LOC headroom to provide an advance to Affordable Holdings, in return for a rate of return above their LOC interest rate. This enables the investor to have their LOC working for them rather than sitting idle. Think of it as found money!
A second scenario could be where an investor decides to cash out from the volatility of the stock market, or those mutual funds that keep going nowhere but down in value despite the assurances from the so called expert brokers and financial advisors.
Another scenario could be an investor who needs regular monthly cash flow but recognises that GIC's can't provide sufficient monthly cash flow to live on, or is frustrated with rates of return that don't even keep up with the real cost of living.
And remember those real estate-backed investment companies that promote great average returns on investment? The monthly returns may look good, but have you ever taken the time to read the fine print in the Offering Memorandums? Surprisingly it appears routine for some investment schemes to make no guarantee about returning your initial capital back to you. In our opinion that's more like speculation than investment.
Hopefully, you have not got involved with the worst of the schemes out there...the dreaded Ponzi. This is where the earlier investors get paid out of investments made by the later investors, until eventually the house of cards collapses. Call us old-fashioned but we are absolutely shocked at just how many Ponzi schemes are now coming to light and how much money has been lost because of them.
The Affordable Holdings Difference.
An investment in Affordable Holdings & Associates is backed by a rock solid real estate portfolio with positive monthly cash flow, low debt-to-equity, and considerable development upside potential. You can also rest assured that Affordable Holdings is managed extremely well by its original founder who has been making money in real estate investments and providing affordable rental housing since 1983. He has personally bought, held, developed, and sold more than 50 properties during this timeframe.
We have developed great skill in identifying and implementing the 'highest and best use' of properties, while providing the social benefit of affordable rental units. We focus on properties that fit an identified niche. And our methodology is proven.
Are You And Affordable Holdings The Right Fit?
We are looking for Associates who share our vision of making money with a social conscience. We pride ourselves in creating winning outcomes for our tenants, investors, the local community, and the business. Yes it is possible to make good money for our investors, while at the same time caring for our tenants' well-being. Do you care enough to do the right thing, even if it may not maximize the return on investment? Are you also looking to develop a longterm meaningful relationship with the organization in which you entrust your money? Is safety of your capital important to you?
The formal agreements with our Associates are both straight forward and without the fine print that avoids accountability.
The relationships we develop are based on trust and open dialogue, and we deliver on our commitments.
If our joint expectations seem reasonable to you, then please read on.....
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