J&J Investments of Florida
CONFIDENTIAL • Lender Review Package
Prepared for: Private Lender / Investor • Date: 01-30-2026

Consolidation + Operating Capital for Expansion

Request for a Single Lender to (1) Payoff and Retire all Existing Liens, Creating a Clean Consolidated First-Position Lien across two Florida Properties, and (2) Provide Operating Capital for AssureCall, Roofing Appointments, and J&J Investments of Florida Expansion.

Combined Collateral Value
$1,141,000.00
Two Properties • Cross-Collateralized Security
Payoffs to Clear Title
$787,884.07
Retire 3 Liens • Remove Compounding Penalties
Requested Commitment
$1,050,000.00
Payoffs + Reserves + Operating Growth Capital
Gross LTV (Full Commitment)
92.1%
Straight LTV vs. Hard Collateral Value
Executive Summary
Clear Title → Single Lien
Payoffs Eliminate Lien Stack and Simplify Enforcement.
Monthly Loan Payment Breakdown: $11,375.00 / mo
J&J Gross Rents: $5,370.00 / mo.
AssureCall Payment: $3,930.00 /mo.
Roofing Appointments Payment: $2,075.00 /mo.
Operating Growth
Staffing + Sales Expansion Strengthens Repayment Capacity.
Purpose of Funds
Payoffs Clear Title and Stabilizes Cash Reserves; Operating Capital Accelerates AssureCall's growth, launches Roofing Appointments with an AssureCall-mirrored hiring and operational structure, and funds J&J Investments of Florida's marketing to generate new property opportunities.

📄 Executive One-Pager — Lender Summary

J&J Investments of Florida — Consolidation Loan Request

•

💰 The Ask

Requested Commitment
$1,050,000
Interest Rate
8% annual
Principal Curtailment
5% annual
Security
Cross-collateralized 1st lien on two Florida properties

🎯 Purpose

Payoff Existing Liens: $787,884.07
Clear title across both properties and consolidate to single first-position lien
Operating Growth Capital: $157,480
AssureCall expansion ($90K), Roofing Appointments launch ($30K), J&J marketing ($10K), bill payoff ($20K), closing costs ($7.5K)
Financial Reserves: $104,636
Liquidity buffer for operational stability

🏠 Security

Combined Collateral Value
$1,141,000
13324 Sunkiss Loop, Windermere
Value: $680,000 • Rent: $2,500/mo
131 Ormond Shores Dr, Ormond Beach
Value: $461,000 • Rent: $2,870/mo
Gross LTV
92.1%

💳 Monthly Payment Sources ($11,375/mo Month 1)

Property Rents
$5,370
AssureCall Contribution
$3,930
Roofing Appointments
$2,075

✨ Key Highlights

  • Clear Title: Single 1st-position lien eliminates deadline-driven re-quotes
  • Strong Coverage: 10.9x payment coverage from AssureCall ($42.7K avg monthly deposits)
  • Proven Operator: 26,000+ properties managed, 12+ years AssureCall operations
  • Diversified Income: Rents + two operating businesses supporting debt service
J&J Investments of Florida, LLC • Confidential Lender Review Package
Contact: Joseph Radcliff • (321)483-5220 • sellthejob.co@gmail.com

Collateral Overview

Two Rental Income-Producing Properties; Payoff Figures are sourced from attached Payoff Letters located in the Appendix: Source Documents.

13324 Sunkiss Loop, Windermere, FL 34786
Gross Rent: $2,500.00 /mo Value: $680,000.00
Lien / Lender
Payoff
Timing / Accrual
1st Mortgage
PHH Mortgage Services
$354,647.83
Good thru 01-31-2026
Interest: $2,792.25 /month (after deadline)
2nd Mortgage
Synergy Consulting LLC
$158,650.00
Good thru 01-31-2026
Daily Interest: $54.17 /day (after deadline)
131 Ormond Shores Dr, Ormond Beach, FL 32176
Gross Rent: $2,870.00 /mo Value: $461,000.00
Lien / Lender
Payoff
Timing / Accrual
1st Mortgage
Skyway Capital
$274,586.24
Good thru 01-31-2026
Daily Interest: $130.68 /day (after deadline)
Collateral Value vs. Existing Liens
Stacked view: value (outline) with existing liens inside. Full payoff = clean 1st lien.
$734,400 $550,800 $367,200 $183,600 $0 13324 Sunkiss Loop $680,000 Liens: $513,298 131 Ormond Shores … $461,000 Liens: $274,586.24
Use of Funds (Requested Commitment)
Payoffs clear title; operating capital drives expansion across three business lines.
Total $1,050,000 Payoff liens (clear title) $787,884.07 Reserves $104,636.00 AssureCall growth $90,000 Roofing growth $30,000 J&J marketing $10,000 Bill payoff $20,000 Closing / legal / buffer $7,479.54 *Legend labels abbreviated for readability.

Properties Overview — Cross-Collateralized Portfolio

Two tenant-occupied, income-producing residential properties providing combined monthly rental income of $5,370.00. Total collateral value: $1,141,000.00. Both properties positioned in Flood Zone X (minimal risk).

2
Two-Property Portfolio • Cross-Collateralized Security
Windermere (Orange County) + Ormond Beach (Volusia County) • Geographic Diversification
Combined Value: $1,141,000 Gross Rent: $5,370/mo Both Zone X
Combined Collateral Value
$1,141,000
Windermere ($680K) + Ormond Beach ($461K)
Total Debt to Clear
$787,884.07
3 liens across 2 properties • All payoffs good thru 01/31/2026
Combined Monthly Rental Income
$5,370.00
Windermere ($2,500) + Ormond Beach ($2,870)
Combined Portfolio LTV (After Payoff)
69.1%
$787,884 debt ÷ $1,141,000 collateral value
Property #1

13324 Sunkiss Loop, Windermere, FL 34786

Premium Upgraded Rental • Orange County • Tenant-Occupied • Flood Zone X
Appraisal: $680,000 Rent: $2,500/mo 5BR / 3.5BA ~2,500-2,900 SF Built 2005 Zone X $100K+ Upgrades
13324 Sunkiss Loop - Front Exterior View
13324 Sunkiss Loop, Windermere, FL 34786 — Premium Two-Story Residence with Upgraded Curb Appeal

Property Characteristics

Premium Features
Address
Full property address
13324 Sunkiss Loop, Windermere, FL 34786
Current Appraised Value
Ator Below Market Value
$680,000
Market Value Range
Dec 2025 estimates (4 sources)
$642K – $752K
Average Market Value
Collateral Analytics / ICE / First American / Quantarium
$683,547
Property Type
Classification
Single-Family Residential Investment
Bedrooms / Bathrooms
Configuration
5 BR / 3.5 BA
Living Area (GLA)
Estimated square footage
~4,019 SF
Year Built / Style
Construction details
2005 / Two-Story Residence
Lot
Legal subdivision
Lot 136, Summerport Phase 3
Garage
Upgraded features
Two-Car • Climate-Controlled (A/C & Heat)
Flood Zone
FEMA designation
Zone X (Minimal Risk) • Panel #12095C0380H
Survey Date
Recent survey on file
1/28/2025 (Code: O-121089)
Legal Description
Lot 136, of Summerport Phase 3, according to the plat thereof as recorded in Plat Book 56, Page 9, of the Public Records of Orange County, Florida

Income & Encumbrances

Financial Profile
Monthly Rental Income
Tenant-occupied
$2,500.00
Annual Rental Income
Gross rent (12 months)
$30,000.00
Current Total Debt
Combined Liens to Clear
$513,297.83
Current LTV
Debt ÷ Appraised Value
75.5%
Current Equity Position
Borrower Equity Before Payoff
$166,702 (24.5%)
Value Appreciation
Since Acquisition
+$261,870 (+62.1%)

Existing Encumbrances (Payoff Detail)

Lien / Lender
Payoff
Timing / Accrual
1st Mortgage
PHH Mortgage Services
$354,647.83
Good thru 01/31/2026
$2,792.25/mo interest after
2nd Mortgage
Synergy Consulting LLC
$158,650.00
Good thru 01/31/2026
$54.17/day interest after
Why This Matters
Clearing these liens eliminates daily/monthly penalty accrual and consolidates to a clean first-position lien, simplifying enforcement and protecting against deadline-driven re-quotes.
Premium Interior Upgrades
$100K+ in Capital Improvements Reducing Maintenance Risk
  • ✓ Garden Bath in Master Bedroom
  • ✓ Walk-In Master Closet with Custom Built Closet System
  • ✓ Upgraded Light Fixtures Throughout
  • ✓ Upgraded Cabinetry (Kitchen + Bathrooms)
  • ✓ Upgraded Countertops Throughout
  • ✓ Upgraded Flooring Throughout
  • ✓ New Stainless Steel Kitchen Appliances
  • ✓ Two New Air Handler Units (Interior + Exterior HVAC)
  • ✓ Cat 5 Wired Throughout (whole house network)
  • ✓ Alarm System Installed
Premium Exterior Features
Curb Appeal and Functional Upgrades Enhancing Rental Value
  • ✓ Rear Patio with Pavers + Fire Pit/Grill
  • ✓ Upgraded Exterior Speakers
  • ✓ Vinyl Fence (Rear Yard)
  • ✓ Stamped Paver Driveway
  • ✓ Climate-Controlled Garage (A/C + Heat) — Rare Luxury Feature
  • ✓ Upgraded garage doors/Hurricane Rated
These upgrades position the property significantly above base market comparables and reduce near-term capital expenditure risk for the lender.

Market Analysis — Windermere, FL 34786

Windermere Estimated Property Value
Estimated Property Value: Range $642K-$752K (Dec 2025) with average of $683,547 across four major valuation sources (Collateral Analytics, ICE, First American, Quantarium)
Windermere Market Trends
Market Trends: Median Sold Price $722,500 (Jan 2026) vs $825,000 (Feb 2025) Showing -12.4% Change. Recent softening presents refinance opportunity.
Windermere Price Per Square Foot
Median Sales Price Per Square Foot: Stable at ~$275/SF throughout 2025-2026, Demonstrating Consistent market fundamentals despite price adjustments

Recent Market Trends (1-Year)

Windermere ZIP 34786
Median Sold Price
Jan 2026 vs Feb 2025
$722,500 vs $825,000 • -12.4%
Median Price / SF
Year-Over-Year Stability
$275/SF (stable)
Market Conditions
Current Environment
Softening Presents Refinance Opportunity
Subject Property Position
Competitive Positioning
$680K — Well-Positioned in Current Market

Value Estimates (Dec 2025)

4 Independent Sources
Collateral Analytics
$752,000
First American
$674,000
Quantarium
$666,188
ICE
$642,000
Average Market Value
$683,547
Current Appraisal
Conservative positioning
$680,000
Comparable Sales Analysis — Selected Transactions
Recent Sales in Windermere ZIP 34786 Demonstrating Market Positioning
Address Price Bed/Bath SF $/SF Built
5356 Lemon Twist Ln $650,000 5/4 2,918 $223 2006
14014 Fairway Willow Ln $660,000 3/2 1,892 $349 1994
5141 Autumn Ridge Ln $930,000 4/3 2,390 $389 1990
5232 Tildens Grove Blvd $1,050,000 4/3 3,079 $341 2005
5412 Water Creek Dr $1,800,000 4/5 4,247 $424 2005
13036 Lake Roper Ct $1,875,000 5/6 4,044 $464 2003
Subject Competitive Position
5BR/3.5BA configuration appeals to large families and professional rentals. 2005 construction aligns with premium comparable properties. Extensive upgrades (garden bath, custom cabinetry, new HVAC, climate-controlled garage) position property significantly above base market comps. $680K valuation reflects strong value relative to upgraded condition and provides equity cushion for lender security.

Investment Highlights — Windermere Property

Location Advantages
Windermere — one of Orlando's most prestigious addresses
  • Premier ZIP 34786 — established luxury market
  • Top-rated schools walking distance
  • Windermere Town Center proximity
  • Major employers accessible (Disney, Universal, Medical City)
  • Corporate relocation demand drives strong rental market
  • Established neighborhood with proven appreciation
Property + Financial Advantages
Turnkey Condition with Multiple lender Protections
  • Turnkey Premium Condition: $100K+ Capital Improvements
  • Low Maintenance Risk: New HVAC, New Appliances, Upgraded Systems
  • Smart Home Ready: Cat 5 Wired, Alarm System, Exterior Audio
  • Premium Finishes: Custom Cabinetry, Upgraded Fixtures Throughout
  • Unique Tenant Appeal: Fire Pit/Grill Paver Patio, Climate-Controlled Garage
  • Conservative Valuation: $680K vs $683K Market Average
  • Strong Equity: $166K Current Position (24.5%)
  • Flood Safety: Zone X (minimal risk, lower insurance)
  • Multiple Exit Strategies: Refinance, Hold, or Premium Market Sale

Source Documents — Windermere (Appendix)

PDF
Survey — 1/28/2025 (Code: O-121089)
Current Property Survey, Lot 136, Summerport Phase 3
PDF
Payoff Letter — PHH Mortgage Services (1st Mortgage)
$354,647.83 • Good thru 01/31/2026
PDF
Payoff Letter — Synergy Consulting LLC (2nd Mortgage)
$158,650.00 • Good thru 01/31/2026
PDF
Lease Agreement / Rent Verification
Tenant-occupied • $2,500/mo rental income
Property #2

131 Ormond Shores Drive, Ormond Beach, FL 32176

Coastal Rental Property • Volusia County • Tenant-Occupied (Lease + Option to Buy) • Flood Zone X
Appraisal: $461,000 Rent: $2,870/mo 3BR / 2BA 1,581 SF Built 1999 Screened Pool/Spa Zone X
131 Ormond Shores Drive - Front Exterior View
131 Ormond Shores Drive, Ormond Beach, FL 32176 — Ranch-Style Coastal Rental With Screened Pool and Spa

Property Characteristics

Coastal Features
Address
Full property address
131 Ormond Shores Drive, Ormond Beach, FL 32176
Appraised Value
Professional Appraisal on File
$461,000
Property Type
Classification
Single-Family Coastal Investment
Occupancy Status
Current tenant situation
Tenant-Occupied (Lease + Option to Buy)
Bedrooms / Bathrooms
Configuration
3 BR / 2 BA
Living Area (GLA)
Gross living area
1,581 SF
Year Built / Style
Construction details
1999 / Ranch Style
Lot Size
Land area
8,439 SF (Lot 4, Block D, Ormond Shores)
Garage
Parking
2-Car Garage
Special Features
Premium amenities
Screened Pool/Spa, Fenced Yard, Pavers
Flood Zone
FEMA designation
Zone X (Minimal Risk) • Panel #12127C0218K
Survey
Survey documentation
Survey on File
Legal Description
Lot 4 (also known as the Easterly 44.46 feet of Lot 27 and the Westerly 40.54 feet of Lot 26), Block D, Ormond Shores, according to the plat thereof as recorded in Plat Book 9, Page 72, of the Public Records of Volusia County, Florida

Income & Encumbrances

Strong Equity Position
Monthly Rental Income
Tenant-occupied
$2,870.00
Annual Rental Income
Gross rent (12 months)
$34,440.00
Current Total Debt
Lien to clear
$274,586.24
Current LTV
Debt ÷ appraised value
59.6%
Current Equity Position
Borrower equity before payoff
$186,414 (40.4%)
Rent Per Square Foot
Higher than Windermere
$1.81/SF

Existing Encumbrances (Payoff Detail)

Lien / Lender
Payoff
Timing / Accrual
1st Mortgage
Skyway Capital Management LLC
$274,586.24
Good thru 01/31/2026
$130.68/day interest after
Equity Advantage
With 40.4% equity ($186K) and 59.6% LTV, this property provides significant cushion for lender security. The lease-option structure offers flexible exit strategies including potential tenant purchase.
Interior Features
Single-story accessibility and functional layout
  • Single-story ranch layout — accessibility advantage
  • Open floor plan design
  • 3 bedrooms / 2 full bathrooms
  • 1,581 SF living area
  • 2-car garage
Exterior Features & Amenities
Premium coastal lifestyle amenities
  • Screened pool and spa — premium amenity commanding higher rents
  • Fenced back yard — privacy and security
  • Paver areas — low-maintenance outdoor spaces
  • 8,439 SF lot — generous land area
  • Coastal location near Ormond Beach — vacation rental potential

Investment Highlights — Ormond Beach Property

Location Advantages
Coastal market with strong seasonal demand
  • Desirable coastal location in Ormond Beach
  • Strong vacation/seasonal rental market potential
  • Single-story design appeals to retirees and families
  • Low flood risk (Zone X) despite coastal location
  • Premium pool/spa amenity enhances rental value
  • Established beach community with proven demand
Financial Advantages
Strong equity position with flexible exit strategies
  • Higher rent per SF: $1.81/SF vs Windermere's lower rate
  • Strong equity position: $186,414 (40.4%)
  • Conservative LTV: 59.6% provides lender cushion
  • Lease-option structure: tenant purchase path reduces holding risk
  • Flood safety: Zone X (minimal risk, lower insurance costs)
  • Pool amenity: commands premium rental rates in coastal market
  • Single-story accessibility: broader tenant appeal
  • Multiple exit strategies: tenant purchase, traditional sale, or long-term hold

Source Documents — Ormond Beach (Appendix)

PDF
Appraisal — 131 Ormond Shores Drive
Professional Appraisal Supporting $461,000 Valuation
PDF
Survey — 131 Ormond Shores Drive
Property Survey, Lot 4, Block D, Ormond Shores
PDF
Payoff Letter — Skyway Capital Management LLC
$274,586.24 • Good thru 01/31/2026
PDF
Lease Agreement (with Option to Buy)
Tenant-Occupied • $2,870/mo Rental Income • Purchase Option Terms
Portfolio Strengths — Combined Security Package
Cross-Collateralized Structure with Multiple Lender Protections

Geographic Diversification

  • Orange County (Windermere) — Premium Orlando/Disney Market
  • Volusia County (Ormond Beach) — Coastal Tourist Market
  • Different economic drivers reduce concentration risk
  • Diverse Tenant Demographics (Families vs Retirees/Vacationers)

Risk Mitigation Features

  • Both Properties Tenant-Occupied with Stable Income
  • Both in Zone X (minimal flood risk) — Lower Insurance Exposure
  • Capital Improvements (Windermere $50K+) Reduce Maintenance Risk
  • New HVAC/Appliances Minimize Near-Term CapEx

Financial Strength

  • Combined Equity: $353,116 (30.9% of portfolio value)
  • Combined Monthly Rent: $5,370.00
  • Conservative Valuations: Both Properties At/Below Market Averages
  • Recent Surveys: January 2025 (Both Properties)

Exit Strategy Flexibility

  • Clean Title After Payoff Simplifies Future Transactions
  • Ormond Beach Lease-option Provides Tenant Purchase Path
  • Premium Upgrades (Windermere) Support Resale Value
  • Multiple Paths: Refinance, Hold Long-Term, or Orderly Liquidation

Use of Proceeds

Funds are applied to Clear Titles and consolidate to One Lender, plus Operating Capital for AssureCall, Roofing Appointments and J&J Investments of Florida expansion.

Step 1 • Mortgage Payoffs
Retire existing liens and remove deadline-driven accrual.
→
Step 2 • Clear Title
Single consolidated first-position lien across both properties.
→
Step 3 • Business Expansions
Operating Capital to scale sales revenue and strengthen loan repayment ability and company growth.

Allocation Detail

Total Requested: $1,050,000.00
Payoff Existing Liens (Clear Titles & Consolidate)
Clear All Liens → Single Lender in 1st Position
$787,884.07
Financial Reserves
Liquidity buffer to stabilize operational growth & property upkeep
$104,636.00
AssureCall Growth Capital (hiring + expansion)
Add Staff + Sales Capacity to Fulfill Clients Demand
$90,000.00
Roofing Appointments Growth Capital (hiring + expansion)
Mirror AssureCall structure for speed-to-market
$30,000.00
J&J Investments of Florida Marketing (new property opportunities)
Real Estate Agents • Attorneys • Brokers • Tax-Lien Lists
$10,000.00
Personal Bills Payoff
Clean up outstanding obligations to improve stability
$20,000.00
Closing / Legal / Buffer
Title, Legal, and Timing Buffer
$7,479.54
Total Requested
Combined: Clear Title + Financial Reserves + Operational Growth Capital
$1,050,000.00
AssureCall and Roofing Appointments follow a mirrored growth plan (hiring + sales capacity + fulfillment) to accelerate revenue while collateral remains real-asset secured.

Option A vs Option B

Choose Flexibility or Speed
Option A — Open Line of Credit (Revolving)
Use funds at will (no draw submissions). Monthly payments apply (8% / 12) interest + (5% / 12) principal curtailment = (13% / 12) of the outstanding balance. Principal portion reduces balance and preserves revolving availability (credit-card style).
Option B — Operating Capital Term Funding
Single Disbursement to Fund the Full Runway with Predictable Execution.
Runway
Budgeted Staffing + Marketing Runway for Expansion Execution.
AssureCall
Hiring + Sales Capacity to Fulfill Inbound Demand.
Roofing Appts
Startup Built with the Same Structure for Speed-to-Market.
J&J Marketing
Agents • Attorneys • Brokers • Tax-Lien Acquisition Pipeline.
AssureCall Expansion Narrative
The Growth Tranche Funds additional Staff and Sales Capacity to Fulfill Inbound Demand and Execute New Sales Initiatives.
1
Hire + Train
Call Agents, QA/QC, Team Leads
2
Expand Sales Capacity
New Reps + Book of Business Growth
3
Scale Fulfillment
More Staffing → Faster Delivery → More Retained Clients
Roofing Appointments
Self‑Owned Competitor. Startup Mirrors AssureCall's Structure for Speed to Market.
1
Same Operational Model as AssureCall
Recruiting + QA/QC + Performance
2
Fast launch with Predictable Staffing Lane
New Reps + Book of Business Growth
3
Scale Fulfillment
More Staffing → Faster Delivery → More Retained Clients
J&J Investments of Florida Marketing
Outreach to Agents, Attorneys and Brokers for Short Sales, Foreclosures and Tax‑Lien Properties.
Agents
Short Sale & Pre‑Foreclosure Leads
Attorneys
Probate & Distressed Filings
Brokers
REO & Investor Networks
Tax‑Lien Lists
Direct Mail • Skip Trace • Pipeline

Borrower Experience & Operational Background

Licensed General Contractor with 20+ years managing 26,000+ properties across 16 states. Deep expertise in construction, insurance restoration, claims litigation, and multi-state operations.

Properties Restored
26,000+
Residential & commercial across U.S.
Multi-State Operations
16 States
12 jurisdictions with active/prior licensure
Peak Annual Revenue
$40M+
Institutional-scale operations achieved
Legal Precedent
$17.5M+
Judgment vs. State Farm (upheld)

Early Background & Trade Foundation

Construction Origins
Started in Construction Labor
Entered workforce as teenager, advanced through operational roles
Early Career
Superintendent (Age 17)
Youngest ever at commercial tenant improvement firm
Leadership
Project Manager (Age 18)
Scopes, timelines, subcontractors, budget management
Management
Licensed General Contractor
MD, VA, IN, OH, CO, AL, MO, DC, MS, FL, KS, AZ
12 States

Insurance Restoration & Claims Expertise

Carrier Process Mastery
  • Storm damage expertise: Fire, water, mold, wind, hail claims management
  • Adjuster negotiation: Policy-driven funding, approval standards, dispute resolution
  • Appraisal & arbitration: Full spectrum of carrier dispute processes
  • Sales performance: $1.6M personal sales Year 1; helped employer achieve $23M record season
26,000+ Properties
Direct oversight, management, or execution of remediation/reconstruction
Hyper-Local Strategy
Referral-driven model, no ad spend required
Radcliff Construction — Formation & Scale
Founded with $1,200 capital after commission dispute. Scaled to institutional operations.
Year One Revenue
$3M+
First-year operations
Year Two Revenue
$15M+
Rapid scaling
Expansion Footprint
16 States
Multi-state operations
Peak Annual Revenue
$40M+
Institutional scale achieved
Growth trajectory demonstrates ability to scale from startup to institutional operations with disciplined cost controls, operational systems, and hands-on leadership.
La Plata, Maryland — Disaster Response
Catastrophic tornado response earning national attention and formal community recognition.
  • 75%+ market capture: Over three-quarters of affected homeowners engaged services
  • Early access coordination: Worked with local authorities for immediate deployment
  • Formal recognition: Community acknowledged scope and speed of response
  • Growth catalyst: Event drove revenue expansion and regional footprint
Large-Scale Operations Capability
La Plata response demonstrated capacity for rapid mobilization, coordination with authorities, and large-scale project management under high-pressure conditions.

Systems, Technology & Process Development

Operational Infrastructure
  • Proprietary CRM: Custom project management tools for insurance restoration workflows
  • Real-time visibility: Sales, production, compliance, financial controls integrated
  • Insurance Claims Specialists: Independent adjusting firm for carrier-side insight
  • Process standardization: Replaced paper-based legacy systems with digital workflows

State Farm Litigation — National Precedent

Material Legal Impact
2006 Indiana Hail Event
State Farm denied tens of thousands of policyholder claims
Trigger
Appraisal, Arbitration, Regulatory Action
Investigation exposed systemic misconduct (falsified docs, altered reports)
Process
$14.5M Defamation Judgment
Upheld by Indiana Supreme Court after 4 years litigation
Ruling
$17.5M+ Total Damages & Fines
Largest defamation judgment ever: contractor vs. insurance carrier
Precedent

Subsequent Ventures & Current Operations

Platform & Asset Expansion
MaxCon Software
Enterprise CRM and operations platform for restoration contractors
AssureCall
Call-center and appointment-setting (12+ years operating)
Storm911
Emergency response and dispatch infrastructure
National Insurance Restoration Council
Advocacy organization addressing carrier bad-faith practices
SELL THE JOB
Sales training (500,000+ books sold)
J&J Investments of Florida
Property rentals + business acquisitions
Published Works & Market Influence
Books, training materials, and intellectual property with widespread market adoption.
SELL THE JOB: The Secret Sauce to Sales Success
Sales performance framework and methodology
Book
The SELL THE JOB Field Guide
Tactical execution playbook for field and phone teams
Book
Total Copies Sold (Combined)
Market demand and widespread adoption of methodology
500,000+
Training & Media
Publications support standardized sales language, coaching structure, and onboarding frameworks. Sample training content: View on YouTube
Summary of Qualifications
Execution capability and risk management track record supporting payment reliability.
  • 26,000+ properties: Direct oversight, management, execution (remediation/reconstruction/remodeling)
  • 16-state footprint: Multi-jurisdiction contractor licensure and operations
  • $40M+ peak revenue: Institutional-scale operations achieved
  • $17.5M+ judgment: National precedent-setting case vs. State Farm
  • Proven scaling: $1,200 startup → $40M+ revenue
  • 20+ years continuity: Sustained performance through regulatory, legal, market cycles
Why This Matters to Repayment
Proven operator with extensive construction, insurance, compliance, and executive leadership experience. The 26,000+ properties successfully restored demonstrates operational continuity and execution capability supporting stronger payment reliability over time.

Roofing Appointments

Growth-Capital Snapshot and Lender-Facing Terms for Roofing Appointments LLC.

Executive Snapshot

Requested: $30,000 • Term: 16 months
  • Seasonal model: February–October (in-season ramp focus)
  • Payment start: April 15, 2026 (borrower-initiated ACH, due the 15th EOD)
  • Monthly payment: $2,075 ($200 interest + $1,875 principal)
  • Purpose: Staffing + Launch Runway to Accelerate Booked Appointments and Delivery Capacity
Integration Note
This business is a self-owned competitor that mirrors the AssureCall operating model for speed-to-market. Financial statements (12 months) will be uploaded in the Roofing Appointments Financials section.
Use of Proceeds (High Level)
Where the $30,000 is intended to go.
Hiring / Training
Agents, onboarding, QA
$2,500
Marketing / Lead Flow
Launch ramp + in-season volume
$6,500
Tools / Systems
Dialer, CRM, tracking
$5,000
Reserves
Cash buffer / runway stability
$16,000
Total
Roofing Appointments growth tranche
$30,000
Operating Model (Summary)
Mirrors AssureCall structure — built for predictable hiring, training, and fulfillment.
  • Replicable agent ramp model with performance tracking
  • Quality assurance + coaching loops to stabilize conversion
  • Scaling plan aligns with seasonal demand curve

Loan Terms Summary

Condensed
Loan Type
Growth Capital / Business Expansion Loan
Borrower
Roofing Appointments LLC (Year 1 Startup)
Lender
J&J Investments of Florida LLC
Principal Amount
$30,000
Rates
8% annual interest (fixed) + 5% annual principal curtailment (fixed)
Monthly Payment
$2,075 ($200 interest + $1,875 principal)
Term
16 months
First Payment
April 15, 2026
Final Payment
July 15, 2027
Total Repayment
$33,200
Total Interest
$3,200
Effective APR
~10.7%
Payment Method
Borrower-initiated ACH (15th of each month)

AssureCall — Company Overview & Operating Model

Appointment Setting + Lead Qualification + Virtual Sales Delivery. AssureCall connects client partners with qualified property owners seeking services across storm restoration, specialty trades, and home services.

Company Snapshot

Operating Services • Revenue-Producing
AssureCall family of brands
Business Model
Appointment Setting + Lead Qualification + Virtual Sales Teams
Service Revenue
Owner / Operator
Primary Executive Contact
Joseph Radcliff
Phone
Primary + alternate
(407) 269-1299
(321) 483-5220
Email
Primary + alternate
joseph@assurecall.com
joe.radcliff@gmail.com
Years in Business
Established track record
12 YEARS
Note: "Roofing Appointments" deposits are treated as AssureCall money and are included in AssureCall totals in the financial exhibits.

What AssureCall Does

Core Deliverables
  • Inbound + Outbound Calling: Scripted Outreach, Inbound Handling, and Multi-Touch Follow-up.
  • Lead Qualification: Verify Propertyowner Intent, Property Details, and Readiness.
  • Appointment Booking: Schedule Inspections / Consultations Directly onto Client Calendars.
  • Virtual Sales Teams: Pipeline Creation + Nurture to Increase Close-Rate for Partners.
  • Marketing Support: Email Marketing + Social Media Marketing to Support Lead Flow.
Storm / Hail Inspections
Roofing Replacements, Inspections, Storm Restoration
Solar Solutions
Solar Consult Appointments + Follow-up Sequences
Public Adjuster
Claim Consult Appointments + Inspection/Consult Booking
Suppliers / Manufacturers
Distribution + Product Partner Appointment Setting
Specialty Trade Contractors
Virtual Sales Teams + Booked Appointments
Home Services
Roof Cleaning, Power Washing, Garage Doors + more
Operating Model (Lender-Facing)
Repeatable production workflow designed for scaling volume with QA controls.
1
Intake & Targeting
Campaign Setup, Scripts, Lists, Inbound Routing, and KPI Targets
2
Qualification
Verify Service Needs, Property Details, Propertyowner Intent, and Timeframe
3
Appointment Booked
Calendar Scheduling + Confirmations (SMS/email) + Reschedule Handling
4
Follow-up & Nurture
Multi-touch Sequences to Reduce No-shows and Increase Show-rate
5
QA / Coaching Loop
Call Scoring, Conversion Reviews, Coaching, and Performance Stabilization
Conversion Focus
Qualification Standards Designed to Protect Client Close-rate.
Volume Scaling
Hire/Train Lanes allow ramp without operational breakdown.
Vertical Flexibility
Storm, solar, trades, and home services without retooling the core workflow.
AssureCall's Global Footprint
Working a Global Staffing Market gives staffing flexibility.
AssureCall operating footprint map
AssureCall's Global Footprint.
Capacity is expanded through hiring, training, and quality controls—supporting higher booked-appointment volume and revenue velocity.
Inbound Call Center Functions
Answering, customer care, scheduling, and service support.
Inbound call center functions
Inbound workflows (service support + scheduling).
Outbound Call Center Functions
Lead generation, sales calls, follow-ups, and appointment booking.
Outbound call center functions
Outbound workflows (lead gen + booked appointments).

Banking & Deposits (Financial Exhibits)

2025 Monthly Deposits
  • All accounts shown by month with a final column totaling all deposits.
  • Includes Wells Fargo / Capital One / PayPal and related deposit sources.
  • Roofing Appointments deposits are included in AssureCall totals (AssureCall-controlled funds).
Where to View
See the "AssureCall Financials & Deposits" section below for detailed deposit tables, charts, and bank-statement exhibits.

Why This Matters to Repayment

Operational Strength
  • Deposits reflect ongoing operating volume and revenue-producing activity.
  • Hiring + training increases capacity and stabilizes delivery (reduces churn risk).
  • Vertical diversity (storm, solar, trades, home services) supports steady production.
This section is designed to brief the lender on the operating model; detailed bank-statement exhibits remain in the Financials/Appendix areas.

AssureCall — Financial Analysis & Deposit Activity

Comprehensive financial overview demonstrating AssureCall's operational strength, deposit patterns, seasonal performance, and capacity to support J&J's debt service obligations.

AssureCall — Allocation of Funds (Growth Tranche)
AssureCall’s funding is structured to (1) accelerate revenue-producing capacity through hiring, systems, and lead flow, and (2) preserve stability through reserves and cleanup items that reduce operational drag. The categories below are lender-facing buckets designed for clear underwriting and straightforward execution.
Included in the overall AssureCall allocation: $90,000 growth capital + $20,000 bill payoff + $104,636 financial reserves.
Hiring / Training
Agent ramp, onboarding, QA/QC lanes, performance coaching
$9,000
Marketing / Lead Flow
Lead volume support + pipeline continuity (in-season acceleration)
$7,500
Tools / Systems
Dialer, CRM, tracking, reporting, workflow automation
$20,000
Operating Runway (AssureCall Growth)
Payroll buffer + ramp runway to stabilize execution while headcount scales
$53,500
AssureCall Growth Capital Total
Growth tranche subtotal (excludes reserves + bill payoff)
$90,000
*These categories are lender-facing budget buckets; exact timing may shift based on hiring cadence, client demand, and seasonal volume.

2025 Financial Snapshot

January – December 2025
Total Deposits (2025)
All accounts consolidated
$512,810.45
Average Monthly Deposits
12-month average
$42,734.21
Peak Month
July 2025 (storm season)
$194,809.00
Required Monthly Contribution
To J&J for debt service (Month 1)
$3,930.00
Coverage Ratio
Avg monthly deposits ÷ required contribution
10.9x

Payment Capacity Analysis

Debt Service Support
  • Strong coverage: Average monthly deposits ($42,734) are 10.9x the required contribution to J&J ($3,930/mo)
  • Seasonal strength: Peak months (May–July) generate $105K–$195K, providing significant payment buffer
  • Growth trajectory: Mid-2025 surge demonstrates scaling capacity as hiring/training investments materialize
  • Multiple revenue streams: Wells Fargo, PayPal Merchant, and Capital One accounts show diversified income sources
Repayment Security
Even in lowest-performing months (Jan, Dec: ~$500), AssureCall maintains operational capability. The $90,000 growth capital allocation will expand capacity further, strengthening payment reliability.

2025 Banking & Deposits Summary

Key metrics across all consolidated accounts (includes Roofing Appointments revenue flows)
AssureCall 2025 deposits summary

Monthly Deposits — Operational Revenue Activity

Total deposits by month showing seasonal patterns and growth trajectory
AssureCall monthly deposits 2025
Seasonal Analysis
Peak Season (May–August): Storm restoration and solar installation drive deposits to $45K–$195K per month. Q1/Q4 (Jan–Mar, Nov–Dec): Off-season months average $5K–$20K as operations focus on training and pipeline building. Total 2025: $512,810 demonstrates consistent revenue-producing capability across all seasons.

Deposits by Account Type

Revenue source diversification across banking accounts
AssureCall deposits by account type
Wells Fargo Checking: Primary operating account (includes Roofing Appointments flows). PayPal Merchant: Direct client payments and merchant processing. Capital One: Secondary operating and reserve accounts with personal-to-business flows.

Cumulative Deposits Growth

Year-to-date accumulation demonstrating financial momentum
AssureCall cumulative deposits 2025

Why This Supports Repayment

Lender Confidence
  • Coverage depth: 10.9x average monthly coverage provides substantial payment buffer
  • Proven operations: 11+ years in business with established client relationships
  • Diversified verticals: Storm, solar, trades, home services reduce single-vertical risk
  • Scalable model: Growth capital enables hiring/training to increase revenue velocity
  • Documented cashflow: 37 bank statements (6+ months across all accounts) verify deposit patterns

Growth Capital Impact

$90,000 Allocation
  • Hiring: $9,000 for new agents increases call capacity and appointment volume
  • Marketing: $7,500 expands lead flow and client acquisition
  • Tools/Systems: $20,000 improves dialer, CRM, and operational efficiency
  • Runway: $53,500 provides 6+ months operating stability during scale-up
These investments directly strengthen payment capacity by increasing booked appointments, improving conversion rates, and expanding revenue-producing activity across all verticals.

Account Consolidation

Transparency Note
  • Charts consolidate all AssureCall-controlled accounts: Wells Fargo (checking/savings), Capital One Business, Capital One 360 (personal flows), PayPal Merchant
  • Roofing Appointments deposits are included as AssureCall revenue (same ownership, operational integration)
  • All figures verified against bank statements provided in appendix (37 statements across 6+ months)

Payment Flow

How It Works
1. AssureCall generates revenue → deposits across operating accounts
2. AssureCall transfers contribution → $3,930/mo (Month 1) to J&J
3. J&J consolidates sources → rents ($5,370) + Roofing ($2,075) + AssureCall ($3,930)
4. J&J pays lender → $11,375/mo total debt service

J&J Investments — Funding Request, Allocation & Repayment Strategy

High-level Funding Request, Allocation of Proceeds, and Repayment Mechanics for the $1,050,000.00 consolidated first-position lending solution to J&J Investments of Florida, LLC. J&J Investments is the borrower and makes all payments to the Lender, with cashflow support from operating entities.

Requested Commitment + Allocation Detail

Total Requested: $1,050,000.00
Payoff Existing Liens (Clear Titles & Consolidate)
Clear all liens → single lender in 1st position across both properties
$787,884.07
Financial Reserves
Liquidity Buffer to Stabilize Operations + Property Upkeep
$104,636.00
AssureCall Growth Capital
Hiring + Training + Systems to Expand Revenue-Producing Capacity
$90,000.00
Roofing Appointments Growth Capital
Expansion Capital to Accelerate Speed-To-Market and Sales Throughput
$30,000.00
J&J Investments of Florida Marketing
Agents • Attorneys • Brokers • Tax-Lien Lists (new opportunities)
$10,000.00
Personal Bills Payoff
Stability Cleanup / Household Obligations
$20,000.00
Closing / Legal / Buffer
Title, Legal, and Timing Buffer
$7,479.54
Total Requested
Combined: Clear Title + Reserves + Operating Growth Capital
$1,050,000.00
Growth capital allocations above (AssureCall + Roofing Appointments) are designed to increase revenue velocity and strengthen monthly debt-service reliability through expanded capacity and consistent lead flow.

Use of Funds (Requested Commitment)

Allocation Mix
Allocation Mix Across Payoff, Reserves, and Operating Growth Capital.
TOTAL $1.05M
Payoff Existing Liens
Clear title to 1st position
$787,884
75%
Financial Reserves
Operating Stability Buffer
$104,636
10%
Growth Capital
All Expansion Categories
$157,480
15%
Growth Capital Breakdown
AssureCall Growth Capital
Hiring + Training + Systems Expansion
$90,000
8.6%
Roofing Appointments Growth
Speed-To-Market Expansion
$30,000
2.9%
Personal Bills Payoff
Stability Cleanup
$20,000
1.9%
J&J Marketing
Property Acquisition Pipeline
$10,000
1.0%
Closing / Legal / Buffer
Title, Legal, Timing Buffer
$7,480
0.7%
Payoff Clears Title into clean 1st-position structure; reserves and growth capital strengthen payment stability and operating throughput.

Payment Strategy (8% Interest + 5% Principal)

Paid Monthly
Total Facility / Principal
Requested commitment
$1,050,000.00
Interest Rate
8% annual (fixed) charged on outstanding balance
8% / year
Principal Curtailment
5% annual (fixed) based on original principal, paid monthly
5% / year
Monthly Principal Payment (Fixed)
(5% ÷ 12) × $1,050,000
$4,375.00
Month 1 Interest Example
(8% ÷ 12) × $1,050,000
$7,000.00
Month 1 Total Payment (Example)
Interest + fixed principal
$11,375.00
Key Behavior
The principal payment stays fixed at $4,375/mo (5% of original paid monthly), while interest declines over time as the outstanding balance decreases.

Payment Waterfall (Contribution Sources)

Sources
J&J Investments makes all loan payments directly to the lender. Payment sources include property rental income and monthly contributions from AssureCall LLC and Roofing Appointments LLC to assist with debt service.
Gross Rents (2 properties)
Property Cashflow → J&J
$5,370.00 / mo
Roofing Appointments Contribution
Monthly payment to J&J (15th of each month)
$2,075.00 / mo
AssureCall Contribution (Remainder)
Monthly payment to J&J for debt service (Month 1 example)
$3,930.00 / mo*
*Remainder example: $11,375.00 total payment − ($5,370.00 rents + $2,075.00 Roofing) = $3,930.00. J&J Investments consolidates all sources and makes the monthly payment to the lender. If additional principal is paid or draws change (Option A), the total payment adjusts accordingly.
Estimated Payoff Horizon (If only fixed principal is paid)
240 months (≈ 20 years)
Based on Fixed Principal Curtailment: $1,050,000 ÷ $4,375/month = 240 months. Interest Declines as Balance Declines.

💰 Interactive Payment Calculator — Model Your Own Scenario

Live Calculation Engine
$1,050,000
← Min: $500,000 Current Balance Max: $1,050,000 →
Interest Component
$7,000
8% annual ÷ 12 months
(Decreases as Balance Drops)
Principal Component
$4,375
Fixed Monthly Amount
(5% annual ÷ 12 months)
Total Monthly Payment
$11,375
Interest + Principal
(13% annual ÷ 12 months)
Annual Interest
$84,000
Annual Principal
$52,500
Year 1 Total
$136,500
Remaining Balance
$997,500

📈 12-Month Payment Projection

Interest (decreasing each month)
Principal (fixed at $4,375/mo)
💡 How the Calculator Works
The interest component is calculated monthly based on the current outstanding balance (8% annual rate). The principal component remains fixed at $4,375/month (5% of the original $1,050,000 paid annually = $52,500/year ÷ 12 months). As principal is paid down each month, the outstanding balance decreases, causing the monthly interest charge to decline while the principal payment stays constant. This structure provides predictable principal reduction with declining total payments over time.

Funding Structure

Two Clean Structures to deliver Payoff + Operating Capital under One Lender.

Option A

Open Line of Credit (LOC)

Revolving access (use at will) for operating capital; no draw submissions. Monthly payment applies to outstanding balance.
  • Use at will: access funds as needed (similar to a credit card), without draw requests or submissions.
  • Payment: monthly factor equals (8% / 12) interest + (5% / 12) principal curtailment = (13% / 12) of the outstanding balance.
  • Principal paydown: the 5% component is applied to principal each month to reduce the balance over time.
Option B

Operating Capital Term Funding

Single disbursement sized for payoff + reserves + expansion runway.
  • Fast execution: one closing, one consolidated payment plan
  • Predictable runway for hiring, training, and sales expansion
  • Simple budgeting and operational certainty

Capital Stack Summary

Existing Liens Paid Off
$787,844.07
≈ 69.5% of Combined Collateral value
Operating + Reserves
$262,155.93
Reserves + Growth Capital + Closing Buffer
Gross LTV (full commitment)
92.1%
Straightforward Collateralized Profile
Indicative Payment Structure
13% / year paid monthly
Monthly Factor: (8% / 12) interest + (5% / 12) Principal Curtailment.
Cost of Delay
Interest and penalties accelerate after payoff deadlines.
$156.82 $117.61 $78.41 $39.20 $0.00 PHH (approx/day) $93.08 Synergy (day) $54.17 Skyway (day) $130.68
PHH adds $2,792.25/month after 01/31; Synergy adds $54.17/day after 01/20; Skyway adds $130.68/day after deadline.

Scenario Comparison: Security & Completion

A visual summary of why the complete lending solution is safer for the lender and better for J&J Investments of Florida.

Recommended

Complete Lending Solution

  • All liens retired → consolidated first-position lien
  • Single lender reduces complexity and payoff re-quote risk
  • Operating capital enables revenue ramp (repayment strength)
  • Stops compounding penalties and protects timeline
Pricing: 8% interest + 5% principal (paid monthly)
Payments: (13% / 12) of outstanding balance
Security: Cross-collateralized 1st lien on real estate
Not advised

$300,000 Partial Funding

  • Liens remain in place → multiple lenders + multiple default triggers
  • Deadlines + daily/monthly accrual continue to compound
  • Increased title/legal complexity + payoff re-quote risk
  • Underfunded growth slows hiring and sales capacity
What remains: $787,884.07 in liens outstanding
Risk: Compounding penalties + fragmented leverage
Result: Reduced completion certainty
Security & Completion Scorecard
Relative comparison (qualitative) of completion and stability.
Complete Loan (Recommended) $300k Partial Loan Only Clear Title / 1st Position Closing Simplicity Deadline / Re-quote Risk Growth Capacity Overall Stability
Lien Status by Scenario
Shows how partial funding leaves the full lien stack unresolved.
$871,773 $653,829 $435,886 $217,943 $0 Complete Loan Requested $0.00 Liens Cleared $300k Partial Loan $787,844.07 Liens Remain
Multiple Lienholders
More parties, More payoff changes, Higher execution risk.
Accruing Penalties
Per-day / Per-month accrual continues after deadlines.
Underfunded Growth
Delays Hiring → Slows Revenue Velocity.

Appendix: Source Documents

Included in this package for Lender Review.

PDF
PHH Payoff — 13324 Sunkiss Loop (Valid thru 01/31/2026)
Includes wire-fee total and monthly interest.
PDF
Synergy Payoff — 13324 Sunkiss Loop (Valid thru 01/20/2026)
Includes daily interest after 01/20/2026.
PDF
Skyway Payoff — 131 Ormond Shores Dr
Includes payoff breakdown and interest calculation.
PDF
Appraisal — 131 Ormond Shores Dr
Value opinion used for LTV reference.
PDF
Lease — 13324 Sunkiss Loop
Supports Rental Income Assumption.
PDF
Lease_131_Ormond_Shore_(Provided)
Supports Rental Income Assumption.
PDF
Borrower Experience & Operational Background
Summary of Business and Industry Experience.
PDF
Borrower & Primary Guarantee
Borrower and Primary Guarantee Information.
Disclaimer: This package is a confidential financing proposal for discussion purposes only and does not constitute an offer to sell securities. Terms are illustrative and Subject to Underwriting, Title, and Final Documentation.

Appendix: AssureCall Bank Statements

Bank statements supporting AssureCall's deposit history and operational activity. Statements are locked by default for lender-facing review.

AC
AssureCall LLC — Bank Statements Index
Operating accounts • Deposit verification • 37 statements
🔒 LOCKED

Statement Index

AssureCall • Verified PDFs
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Statements are hosted in /assurecall-docs. Links are locked by default and become clickable when unlocked.

Access Controls

Lender Review
Lock/Unlock Behavior
Statements are locked by default for secure lender-facing presentation. Click "Unlock Statements" above to enable PDF links. Your preference is saved.
Document Organization
Statements are organized by bank and account type. Expand a category to view available months. When unlocked, click Open PDF to view each statement in a new tab.
Coverage Period
12+ Months
Wells Fargo (Operating/Savings), Capital One Business, Capital One 360, PayPal Merchant

J&J Investments of Florida — Bank Statements Appendix

Official source documents supporting deposit history, operating activity, and account reserves. Select a category below to open statements in a new tab.

J&J
Source Documents • Bank Statements
J&J Investments of Florida, LLC — Lender Review Package
CONFIDENTIAL PDF APPENDIX

Statement Index

J&J • Verified PDFs
Loading…
Hosted in /jandjstatements (GitHub Pages). Links are encoded for spaces/parentheses to prevent 404 errors.

Document Notes

Appendix
How to Use
Expand a bank + account category, then click Open PDF. Each file opens in a new tab for review, download, or printing.
Integrity Check
If any link fails, confirm the file name (spaces, capitalization, parentheses) matches the repository exactly.
Borrower
J&J Investments of Florida, LLC
Statements are provided as lender-supporting source documents.