PM Builder Program - creating opportunity for independent builders to grow, Drastically reducing costs to build for Home buyers, Providing Affordable LEED approved homes in Cape Coral and Surrounding Areas. Investors Welcome.

1. PM Lending
Builder Program
Caribbean Homes
Executive Summary
Mission
Overall to change the Mindset of Private money industry
as it is Viewed by our Clients and Partners.
Consists of new Construction Program that will allow
Non-owner and Owner-Occupied clients to now
purchase a new home ground up construction at Half the
cost to build and
1/3 of the build time.

2. Executive Summary
Mission
• To change the Mindset of Private money industry as it is Viewed
by our Clients and Partners.
• PM Lending corp. combines 45 years of Retail, Wholesale and
Private Money Experience.
• Step 1 consists of or new Construction Program that will allow
Non-owner and Owner-Occupied clients to now purchase a new
home ground up construction at 1/3 costs to build and a 1/6 of the
build time.

3. Caribbean Homes
• Strong company with (Big 3) chosen and Approved, Experience, Assets
and Credit. Plus, a Unique building system approved LEED, Miami-Dade
200 plus hurricane tested, and Approved for Building.
• Due to the structure, now everyone is a potential Client. No limits.
Providing Affordable, Energy Efficient homes and multi-family
properties with amazing turnaround times. Secured by Builder and
Clients.
• Each draw secured by Land and/or Down payment total minimum 10%
cost to build
• Each draw approved by PM after client approval, Builder fee collected
with down payment.
• 5% builder fee Required (Non Refundable)

4. Process of Approval to Draw
Step 1
PreApproval
Step 2
Land and
Deposit
Step 3
Draws
Step 4
Closing

5. Security of Investment
Per month Projections at 5 homes a month.
Upfront fee for draw 2% plus 1195 processing fee with approved buyer.
(Minimum of 3 months Interest payments to be made securing 5% return)
Approved buyer – will be approved by PM for either ***NON-owner or Owner
Occupied***. Once approved down payment and/or Land (deeded to PM) will be
assessed provided with completed contract. Once Land is approved for build we will
allow draw for pre-approved amount of Build (2 draws first will provide erect
structure with roof) on approved models accelerating build time and final closing to 2
or 3 months. (compared to current 12 to 14 months with current draw system.) Builder
sold homes fulfill Non-Owner requisite. Builders fee of 3% will be collect at closing.
At a minimum securing 8% return per build.
All Draws secured by Deed, Erect structure, Joint construction account with Builder
and PM requiring Dual Signature from each Entity.
Plus Approved Buyers Ready..

6. 60 Home Minimum every 12 – 14 months
3,000,000.00 Allotted for Program would Yield
5 x 200,000 = 1,000,000 every month
Minimum return 8% x 1,000,000 = 80,000 per month
60 x 16,000 = $960,000 Minimum per year return.
Startup costs = 3,000,000.00
Investor Cap Tier 1 / 12% ROI
Investor Cap Tier 2 / 15% ROI
Plus end of Year Bonus to TBD by Final Performance

7. Competitive Advantage – Simply Overall
Buyers not limited to NOO this is now satisfied.
Costs saved by Buyers:
Currently only Double Closings Available – example based on 200,000 Build
1st closing for build = 6k org, 1195.00 Pro, 7,000 costs = 14,195.00
Monthly minimum interest only payment 12% 2,000.00 per month average current build
time 10 months on Modest home. = 20,000.00
Draws minimum 5 at 250 per draw fee (wait time or approval) 1,250.00
2nd Closing for Rental or Bridge. (currently not available to End users) 14,195.00
Total Financial cost to Build = 49,640.00 (Non Towards Equity)
Builders fees and Lot Prep. Average 5% = 10,000. (or More)
Total cost 59,640.00 house cost 259,640.00

8. PM Builder Program cost to Build
Builder’s fee 2% – 3 months minimum Payments.
1 closing upon completion of Build
NOO and/or end user chosen lender = 14,195.00 = 19,195.00 – 59,640.00 = 40,445.00
savings to Client.
Total cost 19,195.00 house cost 219,195.00
End User preferred lender = 13,195.00 – 59,640.00 = 46,445.00 savings to home
owner.
Total cost 13,195.00 Home cost 213.195.00

9. PM Invest Pro a Division of PM Lending corp.
• PM Invest Pro LLC Limited Partnerships with investors protecting
investors from any liability.
• Distributes Dividends to Investors
• End of year bonus to be determined upon K-1 Statements
• Provide real time updates of builds and Investments
• Communication direct with Division PM services that will be on
the ground supervising Projects.
• Providing control of all aspects.

10. PM Services Group a Division of PM Lending corp.
• Report real time progress and Financials on all Investments for
Investors. Who will be provided Log In with all Reports.
• Manage Draws and supervise Projects
• JV Agreement in place between PM and Builder mandates Joint
Account which requires Dual Signature from 1 member of PM and
Builder on Checks to be dispersed.
• Providing complete control of Investments in Best Interests of All
Parties
• Plus Surety Bond Protects Investors up to 1,000,000 per occurrence
on any attempt of Fraud by any employee of PM.

11. PM Lending Corp.
• Originate Funds for Projects
• Oversee all Divisions of PM Lending corp.
• Create Presentations for Investors securing their Investments while
always providing Mutual relationships that help others.
• Create Programs that are Beneficial for Consumers, Business
Partners, and Investors.
• PM’s focus is the fill voids, create opportunity, Help the
community.