Investment Port Folio_Mustard Seed Properties South Africa

INVESTMENT PORTFOLIO
ACQUISITION OF MEDIUM SCALE PROPERTIES
FOR STUDENT, SINGLES ACCOMMODATION RENTALS
A SHORT TERM & LONG TERM INVESTMENT SCHEME
BY
MUSTARD SEED PROPERTIES CC
74 POLANA BUILDING, Bourke Street, Pretoria
Tel: 012 756 1188
Email: info@mustardseedprop.co.za
Web: www.mustardseedprop.co.za
© 2015 Mustard Seed Properties CC.
All Rights Reserved

2
Confidentiality Agreement
The undersigned acknowledges that the information provided by ____________________________
in this business plan is confidential; therefore, reader agrees not to disclose it without the express
written permission of ________________________________.
It is acknowledged by reader that information to be furnished in this business plan is in all respects
confidential in nature, other than information which is in the public domain through other means
and that any disclosure or use of same by reader, may cause serious harm or damage to
________________________________.
Upon request, this document is to be immediately returned to ______________________________.
___________________
Signature
___________________
Name (typed or printed)
___________________
Date
This is a business plan, the Intellectual Property of Mustard Seed Properties, South Africa. It does not
imply an offering of securities.

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TABLE OF CONTENTS
Page
Confidentiality Agreement ---------------------------------------------------------- 2
Introduction ------------------------------------------------------------------------------ 4
EXECUTIVE SUMMARY ---------------------------------------------------------------- 5
1.1. Mission Statement
1.2. Objectives
1.3. Keys to Success
INVESTMENT VIABILITY ---------------------------------------------------------------- 7
Operating Regions
MAP ANALYSIS -------------------------------------------------------------------------- 8
Regional Arial Photographs of Pretoria and Suburbs
Central Business District, Sunnyside and Arcadia. ------------------------------ 9
UNISA, Muckleneuk and Sunnyside. ----------------------------------------------- 10
Muckleneuk, Sunnyside, University of Pretoria and Broklyn. ---------------- 11
Sunnyside, Gezina and Riviera. ------------------------------------------------------ 12
Pretoria West, Tshwane University of Technology and CBD. ----------------- 13
TAKING ADVANTAGE ------------------------------------------------------------------- 14
Phillip Nel Park, Cemetery and Tshwane University of Technology. ------- 15
Phillip Nel Park and Danville. --------------------------------------------------------- 16
CASE STUDY ------------------------------------------------------------------------------- 17
158 Brand Street, Danville, Pretoria West.
Expenditure -------------------------------------------------------------------------------- 18
START-UP & PRO FORMA ------------------------------------------------------------- 19
Investor's Initial Sample Invoice
Diagram 1. Project Sequence.
Monthly Income and Expenditure -------------------------------------------------- 20
Risk
ANALYSIS ---------------------------------------------------------------------------------- 21
Financial Income
Table 1. Sample Investor’s Income Projection for Five Years.
Table 2. Currency Comparison.
Other Sources of Income
Population and Migration ------------------------------------------------------------- 22
Table 3: Mid-year population estimates for South Africa by population
group and sex, 2014.
Table 4: Mid-year population estimates by province, 2014.
Table 5: Estimated provincial migration streams, 2006-2011. --------------- 23
Table 6: Estimates provincial migration streams, 2011-2016.
INVESTMENT PROCEDURE -------------------------------------------------------------- 24
INVESTMENT FORM ---------------------------------------------------------------------- 25
CONCLUSION ------------------------------------------------------------------------------- 27

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INTRODUCTION
The goal of this proposal is to create a straight forward business plan that will be the basis
for the establishment of a Property Investment Portfolio that has been identified as highly
viable, in specific regions at Pretoria, South Africa. This business model will be modest and
straight forward. It is our objective to create a business opportunity, to hold an Investment
Portfolio of medium scale property acquisition, renovation and rental administration in
order to generate a secondary source of income for our investors and mutual profit making.
This is to be accomplished in short term period of five to six months, over the next 10-15
years, while we maintain fulltime administration and management.
The goal is to purchase undervalued small and medium scale residential properties,
renovate and modify them into Student's or Singles' Accommodation as necessary, and then
rent the properties and hold them as a long term investment asset. The objective of
acquiring medium scale residential properties is to capitalize and take advantage of a fast
growing (but silent) trend in Pretoria, for the purpose of generating positive monthly cash
flow of income.
This business plan is the medium by which we communicate our plans, strategies, and
tactics to investors. The business plan will make clear our business model, financing,
region/market studies, operation and implementation plans, and risk assessment. It will
project initial start-up costs (to investors) and include a sample short term & long term
financial projections as well as a pro forma or sample investment property. We have
completed research based on business and professionals experience in various and relevant
disciplines to provide insight and counsel necessary to create and implement a solid
business plan and strategies necessary to execute this business goal.

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EXECUTIVE SUMMARY
1.1. Mission Statement
The mission of Mustard Seed Properties CC is to create a portfolio of income producing
property assets over the next 10-15 years that will produce supplemental income to
principal owners (investors). A conservative approach will be taken that will permit the
company -Mustard Seed Properties CC, to duly represent principal owners, engage and
maintain in full time management of property and rental administration. The company will
seek to partner with investors with the motive to acquire undervalued small and medium
scale residential properties at strategic locations for commercial and rental purposes.
Mustard Seed Properties CC will seek to purchase residential properties that have the
potential to generate immediate returns on investment upon completion of renovation or
modification to suite Student’s or Single’s Accommodation. Mustard Seed Properties CC will
according to the financial strength, investor’s will and readiness, acquire residential
properties that will be held and rented as an income producing asset, also with a potential
of long term appreciation.
1.2. Objectives
The following are the main objectives of Mustard Seed Properties CC:
• To invest in undervalued residential properties for the purpose of renovating or
modification, mainly for Student Accommodation or ‘ensuite’ Single’s Accommodation
suitable for working class singles, generating monthly income while obtaining market value
appreciation over a longer period.
• To manage real estate investments by identifying potential properties: to evaluate, to
acquire, to renovate & modify for rental purposes.
• To run the activities: maintenance, management and administration of acquired
properties for a short term returns upon investors’ equity.
• To ensure profit making and investor’s returns according to contractual agreement.
• To manage the portfolio of rented property assets.
1.3. Keys to Success
The Duties and keys to success of Mustard Seed Properties CC shall be:
• Acquisition of undervalued residential properties. The greater the discount that properties
can be purchased, the greater the upside for short term or long term gains will be.
• 18% - 23% total annual returns (profit) GUARANTEED on investor's financial stake.
• Completing renovation or modification work within the scheduled time and within the
budgeted amount.
• Recognize buying opportunities on specific properties and hot spot that would ensure
speedy occupation upon renovation or modification and completion.
• Perfect understanding and foresight of the un-noticed changing trends, which is the racial
shifting in regional occupation.
• Find rental occupants for the selected properties before renovations are completed, or at
the first opportunity after completion.

6
• Generate cash flow from rental income sufficient for expenditures at no cost to investor’s
returns on all acquired properties.
• Maintain an average 92% occupancy rate each year on property rentals.
• Provide projected overall 5%-6% cash-on-cash return on the portfolio of assets for
maintenance and unforeseen mishap.
• To inspect properties regularly and meet with tenants periodically to ensure that overall
satisfaction is being met. The company will coordinate all repairs or improvements to the
properties with third parties and tenants as necessary.
Mustard Seed Properties CC will manage all acquisitions. It will seek Residential Property
Investment Opportunities that will produce a short term returns of between 18%-23%
annual interest rate beginning from before the 7th day of the 5th month after confirmation
of investor's placement of stake. The principals and staffs of Mustard Seed Properties CC will
meet with real estate brokers and agents, owners, and other participants in the real estate
community to secure opportunities that will meet the requirements and returns.
Pro formas will be prepared and packaged for each property acquisition seriously being
considered for investor's consideration. Meetings with property owners/sellers, contractors
and third party companies will be performed as necessary to complete each due diligence.

7
INVESTMENT VIABILITY
The first thing to identify are the targets, for the purpose of which this idea is sparked. The
students of tertiary institutions are the viable tenants in this particular accommodation
rental business.
Why: about 400,000 – 500,000 students writes the National Senior Certificate (NSC) exams –
popularly known as Matric exams every year. Of these, about 170,000 students gain
admission into tertiary institutions. At least 70% of these students qualifies and are funded
by the National Student Financial Aid Scheme (NSFAS), which provides for tuition, feeding,
accommodation rentals and transportation cost on monthly basis, on an annual budget of
R8.5 billion. NSFAS provide loans and bursaries to students at all 25 public universities and
50 public TVET colleges throughout the country. Some TVET colleges have at least 5 – 10
campuses in Pretoria alone. Besides NSFAS, there are also many other organisation and
private sector firms offering study loan and bursary fund services, such as commercial
banks: ABSA, FNB, Standard Bank and other financial institutions like ‘Eduloan’, putting
together another annual budget of over R4.5 billion.
In this post-apartheid era, an estimate of 12,000 students migrate to Pretoria annually for
(four sessions) tertiary learning since 2009. About 170,000 students gain admission into
tertiary institutions every year. 95% of these students don’t return after leaving school, they
remain in the cities, seeking job and some form of opportunities. This trend is over
populating the cities and making accommodation a serious issue, as well as a serious
business.
Operating Regions
Mustard Seed Properties CC is located and operating in the prime region of Pretoria -the
capital city of the province of Gauteng, which is the capital of South Africa. Sunnyside,
where our office is located, is about 1 kilometre distance to two of the highly rated
universities in South Africa. To the east is University of Pretoria (UP). To the south is
University of South Africa (UNISA). To the west of Sunnyside is the CBD -Central Business
District; here is the HQ of Banks, private and affiliate Business Colleges, Technical and
Vocational Education and Training –TVET Colleges and off course, the Social Sciences
Faculty of the Tshwane University of Technology –TUT. About one thousand private school
and colleges are located in the CBD, Pretoria.
As over 1.6 million people (and growing) lives in Pretoria, accommodation is fast becoming
an issue. We have identify the following regions as the hot spot and suitable for our
proposed kind of Property Investment Portfolio –Acquisition of Medium Scale Properties for
Student’s and Single’s Accommodation:
Arcadia and Sunnyside: most suitable structures (about 10% business and 90% residential).
It used to be the most beautiful Jacaranda City dominated by 90% White People. Most of
the white migrated in post-apartheid era into the East and suburbs like Broklyn, Menlyn,
Lynwood, Centurion etc. About 75% of the properties in Arcadia and Sunnyside are

8
skyscrapers and complex block; about 25% are houses, villas and town flats. In Arcadia, is
the union Building where the President dwells.
MAP ANALYSIS
Regional Arial Photographs of Pretoria and suburbs.
The areas surrounded with pen (magenta) are the hot spot, where small and medium scale
properties are concentrated.

Central Business District, Sunnyside and Arcadia.

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Muckleneuk: It is located on the upper part of the hill, next to UNISA, south of Sunnyside. Properties in Muckleneuk are a bit more expensive
for its border with the elite ridge and Broklyn that are dominated by White people. In Muckleneuk (unlike Sunnyside) are more houses,
mansions and few complex blocks.

11
Muckleneuk, Sunnyside, University of Pretoria and Broklyn.

12
Riviera: is located in Pretoria Moot, in between Sunnyside and Gezina. It is very close to Steve Biko Teaching Hospital and the Art Campus of
TUT; less than 3 kilometres to Sunnyside and CBD. Riviera is dominated by Houses and town flats.

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Pretoria West (Phillip Nel Park and Danville): The main campus of the Tshwane University of Technology (TUT) is located in Pretoria west. This
school is highly dominated by black people, yet with a good number of White people who still lives in Danville and Pretoria North. Many
students of TUT who studies in campuses located in the CBD and Pretoria North (suburb), still resides in Pretoria West because there is a well-
coordinated and highly subsidized bus transit system from the main campus at Pretoria west to all other campuses and residences in Pretoria
and suburbs. Besides this, finding suitable and affordable accommodation in the CBD is most unlikely.

TAKING ADVANTAGE
Many white people still owns houses in Sunnyside and Arcadia. As these regions is
considered to becoming a hot spot for crime and too dangerous by white people, it is yet a
paradise for black people and migrants (foreign nationals). Many of the Whites are selling
off their properties; mostly cheaply to relocated in the east and south of Pretoria. Such
properties are our prime targets.
We are seeking two, three or four bedroom houses with fairly large compound, suitable for
structural extension and modification in regions like Arcadia, Sunnyside, Muckleneuk,
Riviera and Pretoria West –Danville & Phillip Nel Park.
There are students accommodation complexes in Sunnyside and the CBD owned and
managed by big time real estate firm and agencies, with the financials to erect monumental
structures, but we have identified a niche above such competitors.
Our advantage is in the fact that big time property firms are not looking into investing on
properties like houses for such commercial purposes like Student Accommodation as they
consider it as ‘long term’ or of meagre profit. But the truth is that students prefers the
smaller units managed by smaller firms, not because it is cheaper (it is not cheaper) but it is
more private and the conditions and protocols of living are less strict. In such smaller units,
you have maximum of ten to fifteen rooms. It is friendly and homely as it is more of a home
structure.
It is an established fact that the vacancy rate of the big time student accommodation
complexes is far higher than that of the smaller units.

Phillip Nel Park, Cemetery and Tshwane University of Technology.

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PRETORIA WEST: Phillip Nel Park and Danville
As many black students of Tshwane University of Technology (TUT) are flocking into Pretoria West to seek accommodation in these region, the
trend is that: many White owners are selling off their houses to migrate somewhere else, among other White dominated communities. Phillip
Nel Park and Danville is the biggest prime target for this business.

CASE STUDY
158 Brand Street, Danville, Pretoria West.
SUBURB: Danville Ext. 1
ERF No.: 1598
STRUCTURE: 3 Bedroom House
INCLUSION: 1 Bath, Lounge, Carport, Flatlet (2 Room), Kitchen
TOTAL SIZE: 709 m2
OPEN LAND SIZE: 326 m2
CAPABLE EXTENSION: 10 rooms, 2 Toilets, Garden and drying lines.
OTHER MODIFICATIONS: Architectural assessment and planning, complete brick fencing
and raised fencing, interlocking stones and paving, roofing,
painting, rolling car gate, pedestal gate with electronic locking
& access, electric fittings and lightings, water pipes and
fittings.
AFTER RENOVATION: 15 rooms, 3 toilets, 1 lounge, Carport, Garden & Drying lines.

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APPLIANCES & FURNITURE: Microwave, Television, Fridge, 15 Beds, 7 Wooden Wall Rope,
Living Room Furniture, Outdoor Furniture (Garden), 15 Study
Tables and Chairs.
SECURITY: CCTV system, electric fencing, electromagnetic locking &
access systems for the main entrance doors.
Expenditure
ELECTRICITY: Settling of Utility Bill as a result of monthly Power usage.
RATES & WATER: Bill paid to the municipality as a result of waste management,
sewage and water usage.
GARDENER & CLEANER: Monthly salary of the worker who does the gardening and
cleaning of the entire house.
SECURITY MAINTENANCE: a fixed amount paid to the security agency to maintain and
monitor CCTV cameras and periodic servicing of other security
devices.
MANAGEMENT FEE
(10% of monthly income): For administration and maintenance services by Mustard Seed
Properties CC.
CASH ON CASH (5%): this portion is kept on monthly basis (as insurance) against
cost that may arise from maintenance, repairs and unforeseen
mishap.
VACANCY RISK DEPOSIT: In South Africa, schools end their session in the 3rd week of
November; a time students and workers travel for the long
Christmas holiday. Resumption is also in the 3rd week of
January; meaning the vacancy rate could be up to 70% - 100%
in the last and first month of the year. Also at the end of the
First Semester, which is in June, there is usually a two – three
weeks break. A low vacancy rate of about 10% – 15% could be
experienced because majority of students hold on to their
accommodation to avoid the troubles of securing another
when school resumes. This deposits are kept as security make-
up for investor’s monthly cash flow.

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START-UP & PRO FORMA
Investor’s Initial Sample Invoice
PRICE OF PROPERTY: R750,000
TRANSFER AND LEGAL FEE (5%): R38,750
RENOVATION AND EXTENSION: R185 000
APPLIANCES AND FURNITURE: R45 000
SECURITY FITTINGS: R10,000
TOTAL: R 1,028,750
Diagram 1. Project Sequence.

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Monthly Income and Expenditures
INCOME
RENT
(for 15 rooms @ R1850 per room): R27,750 (Cr)
EXPENDITURE
ELECTRICITY: R2,000
RATES & WATER: R550
GARDENER & CLEANER: R1,200
SECURITY MAINTENANCE: R500
MANAGEMENT FEE
(10% of monthly income): R1,700
CASH ON CASH (50%): R700
VACANCY RISK DEPOSIT: R3,125 R9,775
INVESTOR’S DIVIDEND: R17,000
R26,775 (Db)
BALANCE (to Mustard Seed Acct.): R975
Risk
Property Investment Risk could be viewed as the issues related to the acquisition
assumptions and projected returns. These risks may include the following:
- Renovations/improvements costs are greater than projected.
- Vacancy periods are greater than projected, especially in cases where there is a riot or
student unrest.
- During school break, usually in December, January and June.
- Tenant vacates property earlier than agreed according to contract.
- Late rental payments as a result of financial constraint on the part of tenant.

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ANALYSIS
Financial Income
MONTHLY INCOME: 61.2% of R27,750 = R17,000
DIVIDEND: R17,000 X 12 months = R204,000
= 19.8% of 1,028,750 (total Investment)
TOTAL ANNUAL PROFIT (to investor) = R204,000
Table 1. Sample Investor’s Income Projection for Five Years.
MONTHS 1ST YEAR 2ND YEAR 3RD YEAR 4TH YEAR 5TH YEAR
January R17,000 R17,000 R17,000 R17,000 R17,000
February R17,000 R17,000 R17,000 R17,000 R17,000
March R17,000 R17,000 R17,000 R17,000 R17,000
April R17,000 R17,000 R17,000 R17,000 R17,000
May R17,000 R17,000 R17,000 R17,000 R17,000
June R17,000 R17,000 R17,000 R17,000 R17,000
July R17,000 R17,000 R17,000 R17,000 R17,000
August R17,000 R17,000 R17,000 R17,000 R17,000
September R17,000 R17,000 R17,000 R17,000 R17,000
October R17,000 R17,000 R17,000 R17,000 R17,000
November R17,000 R17,000 R17,000 R17,000 R17,000
December R17,000 R17,000 R17,000 R17,000 R17,000
TOTAL R204,000 R204,000 R204,000 R204,000 R204,000
ADD-UP R408,000 R612,000 R816,000 R1,020,000
Table 2. Currency Comparison.
ZA Rand (R) US Dollars ($) NGR Naira (N)
Rate R12.5/$1 $1/R12.5 $1/N200
Capital Investment 1,028,750 82,300 16,460,000
Monthly income 17,000 1,360 272,000
Annual Revenue 204,000 16,320 3,264,000
Other Sources of Income (to Management)
 Application Income
 Parking Income
 Late Fee Income
 Lease Cancellation Fee
 Service of Notice Fee
 Security Access Deposit
 Pet Income

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Population and Migration
The following data was collated and released by the Department of Statistics South Africa as
Mid-year population estimates, 2014.
Table 3: Mid-year population estimates for South Africa by population group and sex, 2014.
Population
group
Male Female Total
Number
% of male
population
Number
% of
female
population
Number
% of total
population
African (Blacks) 21 168 700 80,3 22 165 000 80,2 43 333 700 80,2
Coloured 2 305 800 8,7 2 465 700 8,9 4 771 500 8,8
Indian/Asian 677 000 2,6 664 900 2,4 1 341 900 2,5
White 2 214 400 8,4 2 340 400 8,5 4 554 800 8,4
Total 26 366 000 100,0 27 635 900 100,0 54 002 000 100,0
The Black Africans constitute 80.2% of the entire population of SA. Blacks are the dominant resident
in the congesting cities of Gauteng.
Table 4: Mid-year population estimates by province, 2014.
Population estimate % of total population
Eastern Cape 6 786 900 12,6
Free State 2 786 800 5,2
Gauteng 12 914 800 23,9
KwaZulu-Natal 10 694 400 19,8
Limpopo 5 630 500 10,4
Mpumalanga 4 229 300 7,8
Northern Cape 1 166 700 2,2
North West 3 676 300 6,8
Western Cape 6 116 300 11,3
Total 54 002 000 100
Gauteng has the highest share settlers (of 23.9%) of all the provinces of SA. One of the factors that
makes Pretoria a city most needful of our Project.
From Censuses 2001 and 2011 as well as the Community Survey that Stats SA undertook in 2007, it
was possible to determine out-migration rates for each province. Applying these rates to the
structures of the province, it was possible to establish migration streams between the provinces. The
result of these analyses is shown in Tables 5 and 6 below. The assumptions imply that Gauteng and
Western Cape received the highest number of migrants, Mpumalanga and North West provinces
also received positive net migration. The Eastern Cape, Free State and Limpopo experienced the
largest outflow.

Table 5: Estimated provincial migration streams, 2006-2011.
EC FS GP KZN LIM MP NC NW WC
Out-
migrants
In-
migrants
Net
Migration
EC - 9 388 70 057 44 114 6 813 8 484 3 852 18 799 79 244 240 751 164 859 -75 892
FS 6 975 - 63 381 7 214 5 650 9 299 6 351 20 399 10 162 129 430 121 612 -7 819
GP 54 162 43 799 - 73 824 93 292 86 648 13 862 109 735 99 495 574 816 1 067 668 492 852
KZN 17 415 9 072 140 631 - 6 593 24 297 2 139 8 620 20 410 229 177 222 622 -6 555
LIM 3 716 5 017 215 258 6 413 - 31 467 1 975 22 737 8 895 295 479 228 801 -66 678
MP 4 635 5 444 109 730 13 190 25 469 - 2 091 12 916 8 433 181 907 219 475 37 569
NC 4 051 8 075 17 638 5 329 2 296 4 060 - 11 868 17 371 70 688 68 098 -2 590
NW 4 527 11 337 103 402 5 336 17 422 10 405 19 373 - 7 945 179 748 247 157 67 409
WC 55 220 6 991 66 929 13 969 6 193 7 204 13 679 7 647 - 177 833 331 444 153 611
Outside SA 14 158 22 489 280 642 53 234 65 073 37 612 4 776 34 435 79 489
Table 6: Estimates provincial migration streams, 2011-2016.
EC FS GP KZN LIM MP NC NW WC
Out-
migrants
In-
migrants
Net
Migration
EC - 9 421 70 302 44 387 6 850 8 531 3 883 18 813 79 570 241 758 176 821 -64 937
FS 7 237 - 65 762 7 489 5 870 9 657 6 599 21 177 10 557 134 348 128 703 -5 646
GP 58 818 47 585 - 80 226 101 365 94 184 15 065 119 261 108 139 624 643 1 106 375 481 732
KZN 18 199 9 479 147 160 - 6 922 25 435 2 242 9 033 21 413 239 883 232 872 -7 012
LIM 3 820 5 149 220 752 6 587 - 32 301 2 031 23 335 9 126 303 101 241 469 -61 632
MP 4 944 5 797 116 722 14 034 27 100 - 2 230 13 757 8 978 193 562 231 381 37 818
NC 4 398 8 779 19 165 5 782 2 499 4 409 - 12 894 18 883 76 809 72 917 -3 892
NW 4 947 12 351 112 568 5 822 19 007 11 355 21 113 - 8 675 195 837 261 090 65 254
WC 60 301 7 652 73 302 15 310 6 784 7 897 14 977 8 385 - 194 609 344 830 150 221
Outside SA 14 158 22 489 280 642 53 234 65 073 37 612 4 776 34 435 79 489
Table 5 and 6 indicates that more people migrate from other provinces into Gauteng, than they migrate to any other province in SA. It imply that Gauteng
and Western Cape received the highest number of migrants.

INVESTMENT PROCEDURE
1. On receipt of Investment Portfolio, interested investors may fill and complete Investment
FORM (page 25-26). Form is to be printed out, filled by hand writing (in Block Letters),
scanned (to JPEG or PDF) and send to email: admin@mustardseedprop.co.za.
Subject (of Email): Investment Portfolio: (Name of Investor).
2. At receipt of completed and executed FORM, Mustard Seed Properties would respond
with document –a list of detailed Property Profiles for investor’s choice.
3. Investor makes their choice and signs an Offer of Purchase. Investor signs on every page
of document, scans and send back to Mustard Seed Properties.
3.1. Investor also send a Letter of Authority to the CEO of Mustard Seed Properties, to sign
relevant documents on investor’s behalf.
3.2. OR investor may choose to travel to South Africa to view property, execute purchase
and signing of documents at the office of Seller’s lawyer in Pretoria.
4. Investor transfer fund for the purchase of property, which includes legal fees, transfer fee
and agent’s commission to owner’s or relevant accounts.
5. The transfer of Deed of Property onto investor’s name is processed and effected by
‘handling’ lawyer.
6. Investor and lawyer completes and finalize purchase. All relevant property documents are
handed over to investor (buyer) or investor’s agent (Mustard Seed Properties).
7. Investor sign Memorandum of Understanding and Investment Contract with Agency –
Mustard Seed Properties. Investor proceed with the execution of Investment Contract.
8. Agency assess property, consults with Third Party Professionals, and makes
recommendation and present budget for renovation and modification to investor.
9. Investor pays into Agency’s account while Agency commence with renovation,
construction on modification of property for investment purpose.
10. Agency completes renovation and modification within the time frame of two – three
months.
11. Agency advertises accommodation, render administrative service and remit returns into
investor account in four to five months, after the purchase of property, according to
contract.

25
INVESTMENT FORM
(Fill in pen and write in BLOCK letters)
Personal details
Surname: Date:
1st & 2nd Names (in FULL):
Sex: MALE FEMALE Date of Birth:
Address
Street:
City/Town:
Province: Country:
Postal Address:
Contact numbers
HOME
Telephone: Cell:
OFFFICE
Telephone: Cell:
Email:
Investment Plan in South Africa (you can tick more than one Category)
Own a Home Commercial Property
Student’s Accommodation Real Estate
How much are you willing to invest?
CURRENCY NGR Naira (N) US Dollars ($) ZA Rand (R)
50,000 – 500,000 500,000 – 1,000,000
1,000,000 – 100,000,000 100,000,000 – 1,000,000,000
Specific amount (optional):
(in words):
Bank name (ONLY):

26
Name of Investing Entity (Company or Individual)
Name:
Reg. No. or Passport No.:
Address
Street:
Town/City:
Province: Country:
Postal Address:
Preferences
When are you willing to start investment?
Immediately 3 – 6 months Or Specify:
Have you found any Home or Property you
wish to purchase in South Africa?
Yes No
Applicable for Homes & Commercial Property Investments
Give details of Property (if Yes)
Street # and address:
Town/City:
Province:
Which region in South Africa are you seeking Property? (if No)
Suburb:
City: Province:
To be completed by all category
I Names affirm that every information given is correct.
Signature: Date:
For Official use ONLY.
Account Manager:
File No. Project Code

27
CONCLUSION
The beneficial advantage of this Medium Scale Property Acquisition for Student
Accommodation Investment is that; it is a constant money spinner that needs no colossal
investment capital. It requires no advance engineering and construction. It is of simple but
skilful architectural modification and renovation. It has both short-term and long-term
dividend.
With the population statistic indicating an ever increasing ratio in growth and migration (at
the advantage) of our operating region; the sky is even not the limit. We are confidently
proposing 18% - 23% annual income (dividend) on every investor’s money, promising cash
flow to commence, five month (maximum) after confirmation of stake in ‘Student
Accommodation’ category.
We look forward to your trust and cooperation in doing business with you.
Yours faithfully.
Emmanuel Tom Ekqere
CEO, Mustard Seed Properties
Eyitayo O. Oyekunle
Partner/Consultant, Mustard Seed Properties
Direct Lines: +27 79 926 0434, +27 74 657 5665

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