This document provides information about American Homeowner Preservation (AHP), which allows families at risk of foreclosure to lease their homes at an affordable rate and potentially repurchase them at a discounted price. It describes the AHP process, which involves making an offer to purchase the home at 50% of its value, negotiating with the lender, finding an investor to purchase it, and allowing the family to lease it back with the option to repurchase. The document outlines benefits for investors, who can earn high returns buying properties at steep discounts, and real estate agents, who can earn commissions. It provides examples of investment opportunities, including property details and estimated returns. The document explains there are no fees for homeowners to participate and low costs

2.  Who is American Homeowner Preservation?
 AHP Process
 Investor & Agent Benefits
 Properties Available for Investment

3.  AHP allows Families at risk of foreclosure to stay in
their homes with an affordable lease payment and to
repurchase at an amount significantly less than their
existing mortgage.
 AHP enables Investors to earn high returns by
purchasing properties at steep discounts.
 AHP empowers Real Estate Agents to earn
commissions by representing homeowners and investors

4. AHP Process

5. 7 - Family
Repurchases Home
1 - Family
Applies
6 - Leasing
Begins
4 - Lender Approves
Offer
2 - Offer
Submitted
5 - AHP Secures
Investor
3 - Negotiations
with Lender

6. Step 1: Family applies to participate. This can be
done direct or through an agent. There is no
fee to apply.
Step 2: AHP makes offer to purchase home at
50% of REO value.
Step 3: Lender and AHP begin negotiations.

7. Step 4: Upon approval, AHP will offer the home
Investors to purchase and lease back to Family with
a recorded option to repurchase.
Step 5: An Investor agrees to purchase the
property. Clean title is insured in the Investor’s
name.
Step 6: Family makes lease payments and receives
counseling to enable them to qualify to repurchase
with FHA loan.

8. Step 7: Once Family is qualified, option is
exercised and home repurchased. Alternately, if
Family is unable to qualify to repurchase or
decides to move for any reason, then home is
listed for sale and all net seller proceeds above
the option price are paid to Family.

9. How does AHP get the steepest discounts?
1. Patience: wait out the lender.
2. Battle legally when necessary.
3. Justify deflated values.

10. AHP is not in a hurry to strike a deal with the lender
4 - 6 months to get the best price to frustrate the lender.
BATTLE WITH LEGAL ACTION
Over 140 Predatory Lending Lawsuits Filed in Ohio for
AHP clients have stopped dozens of foreclosure sales,
vacated others, and even stopped evictions after foreclosure.
AHP will share templates with any attorney.
JUSTIFICATION
Justify our deflated values. Aggressive Home Inspections,
Justification Reports to Lenders

11. Investor & Agent Benefits

12. Agents Earn Commissions:
Represent Families In Need
Represent Investors Seeking High Returns
Purchasing properties at Steep Discounts
Can Earn Selling Properties In Any State

13. LISTING AGENTS
List homes of Families
Write offers from AHP
Gather Short Sale Documentation
AHP Negotiates with lenders
Once approved by lender, AHP will offer to investors.
SELLING PROPERTIES
Write offers from investors.
If out of state, local listing agent will write offer and pay 100% of sell side
commission to Selling Agent.
Agents earn : 50% of listing commission to represent Sellers and 100% of
selling commission to represent Buyers. Brokers agree to pay 100%
referral fees to out of state Agents who provide Investors who
purchase Homes.

14. EXAMPLE
1.5% to Listing Agent
1.5% to AHP
3% to Selling Agent
There are literally millions of homeowners who want to stay in their
homes and can afford an affordable payment, but not their
existing mortgages. An agent could list hundreds of
homeowners.
There are many investors seeking secure investments with high
returns. An agent can sell hundreds of homes.

15. Get The Best Deals at Sub-REO Pricing
Worry Free Repairs
No Rehab Needed
Professional Management
Tenants Stay & Pay
Family is Your Partner
Invest 1031 Exchange and IRA Funds

16.  AHP Investors get the best deals
You don’t have to be a real estate pro or in the know. AHP
negotiates with lenders for steep discounts and presents you with a
turnkey investment opportunity.
 Worry Free Repairs
All homes are professionally inspected and funds to pay
for repairs are escrowed at closing. Repairs are then
completed by licensed contractors within 60-days of
closing. Additional repairs needed during the lease
period are added to the option price, which motivates
tenants to care of your investment and minimize repair
costs.
 No Rehab Needed
All AHP investments are 100% fully occupied, so neither significant
rehab nor lease up are necessary.

17.  Professional Management
AHP has negotiated with Beacon Property Management, the
largest manager of single family homes in Ohio, to provide a
bulk management fee discount to AHP investors.
 Tenants Stay & Pay
No more screening tenants and showing units. AHP
investments are 100% occupied from the day of
closing. Tenants are motivated to stay and pay due
to the favorable option terms negotiated by AHP. In
addition, AHP families have on average lived in their
homes over 10 years. For AHP investors, this means
a reduced likelihood of vacancies, unpaid rent, and
evictions

18. AHP investors don’t just invest in a home, they
invest in a family. AHP’s program makes rental property
ownership less demanding and more predictable. The biggest
benefactor of every AHP transaction is the family who can now
lease their home at an affordable rate and have the option to
purchase their home at a fraction of what they once owed. Even
if the family is unable to qualify to repurchase their home or
decides to move, their recorded option will entitle them to all net
sales proceeds over the option price. No matter the disposition,
AHP investors and AHP families win!

19. Property Information

20. Owner has lived in the home for 4 years.
Work as a cashier.
Investment Summary
First Franklin
Loan Balance
$68,000
Acquisition Price $20,012.08
Lender Discount 71%
Forecast Return 16%

21. Acquisition Price:
$44,248.00

22. Owner has lived in the home for 8 years.
15-Year County Employee
Investment Summary
Loan Balance $88,000
Acquisition Price $43,336.7
Lender Discount 46%
Forecast Return 15%

23. Owner has lived in the home for 4 years.
Same job for over 20 years
Investment Summary
Loan Balance $114,000
Acquisition Price $53,252.02
Lender Discount 53%
Forecast Return 15%

24. Owner has lived in the home for 21 years.
Has worked for 6 year with current employer.
Investment Summary
Loan Balance $74,647
Acquisition Price $32,033
Lender Discount 57%
Forecast Return 17%

25. Owner has lived in the home for 8 years.
Has worked for 7 years at USPS
Investment Summary
Loan Balance $123,000
Acquisition Price $51,300
Lender Discount 59%
Forecast Return 12%

26. Owner has lived in the home for 5years.
Has worked as a Security Guard for 20 years
Investment Summary
Saxon Loan Balance $124,500
Acquisition Price $72,957.86
Lender Discount 41%
Forecast Return 18%

27. Owner has lived in the home for 15 years.
Retired
Investment Summary
Saxon Loan Balance $91,000
Acquisition Price $34,299
Lender Discount 51%
Forecast Return 16%

28.  You pay NO fees to AHP:
• No application fee
• No upfront fees
• No monthly option to purchase fees
• No appraisal fee
• No cost for financial counseling
 Your only fees are:
• Home inspection fee to firm of homeowners choice.
• Legal fees, if needed, to attorney of homeowners choice.

29.  Your only cost will be one month security
deposit and your monthly rent during the lease
period
 Your pre-determined repurchase price equals:
• The amount AHP purchases your home
• Plus $2,000 administrative fee
• Plus 15% - 30%
• Plus cost of repairs paid by investor during the lease
period

30.  There is no obligation!
Participants may cancel the AHP foreclosure
prevention process any time prior to the closing
 AHP’s primary goal
is to return the
home to the participant
as soon as possible

31. “The best suggestion you may give to a friend or
family member in danger of losing their home
is to call American Homeowner Preservation”