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CONFIDENTIAL • Investor Review Package
Prepared for: Private Lender / Investor • Date: 2026-01-27

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
$1,140,000.00
Two properties • cross‑collateralized security
Payoffs to Clear Title
$792,520.46
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.
Cashflow Support
Gross rents: $5,370.00/mo.
Operating Growth
Staffing + sales expansion strengthens repayment capacity.
Purpose of Funds
Payoffs clear title; reserves stabilize; operating capital accelerates AssureCall growth, launches Roofing Appointments with a mirrored hiring structure, and funds J&J INVESTMENTS OF FLORIDA marketing for new property opportunities.

Collateral Overview

Two income‑producing properties; payoff figures are sourced from attached payoff letters.

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 2026-01-31
Interest: $2,792.25/mo (after deadline)
Hard Money / Private
Synergy Consulting LLC
$158,650.00
Good thru 2026-01-20
Daily interest: $54.17/day (after deadline)
131 Ormond Shores Dr, Ormond Beach, FL 32176
Gross Rent: $2,870.00/mo Value: $460,000.00
Lien / Lender
Payoff
Timing / Accrual
Mortgage
Skyway Capital Management, LLC
$279,222.63
As of 2026-01-31
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 … $460,000 Liens: $279,223
$734,400 $550,800 $367,200 $183,600 $0 13324 Sunkiss Loop $680,000 Liens: $513,298 131 Ormond Shores … $460,000 Liens: $279,223
Use of Funds (Requested Commitment)
Payoffs clear title; operating capital drives expansion across three business lines.
Total $1,050,000 Payoff liens (clear tit… $792,520 Reserves $100,000 AssureCall growth $90,000 Roofing growth $30,000 J&J marketing $10,000 Bill payoff $20,000 Closing / legal / buffer $7,480 *Legend labels abbreviated for readability.
Total $1,050,000 Payoff liens (clear title) $792,520 Reserves $100,000 AssureCall growth $90,000 Roofing growth $30,000 J&J marketing $10,000 Bills payoff $20,000 Closing / legal / buffer $7,480 *Legend labels abbreviated for readability.

Use of Proceeds

Funds are applied to clear title and consolidate to one lender, plus operating capital for AssureCall, Roofing Appointments and J&J INVESTMENTS OF FLORIDA expansion.

Step 1 • Payoffs
Retire existing liens and remove deadline-driven accrual.
→
Step 2 • Clear Title
Single consolidated first‑position lien across both properties.
→
Step 3 • Expansion
Operating capital to scale revenue and strengthen repayment ability.

Allocation Detail

Total Requested: $1,050,000.00
Payoff existing liens (clear title & consolidate)
Clear all liens → single lender in 1st position
$792,520.46
Reserves
Liquidity buffer to stabilize operations & property upkeep
$100,000.00
AssureCall growth capital (hiring + expansion)
Add staff + sales capacity to fulfill inbound 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)
Agents • attorneys • brokers • tax-lien lists
$10,000.00
Bill 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 + reserves + operating 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

Flexibility vs. 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).
Best foron‑demand working capital
Paymentsinterest + principal on outstanding balance
Security1st‑lien real‑asset collateral
Option B — Operating Capital Term Funding
Single disbursement to fund the full runway with predictable execution. Monthly payment factor uses the same pricing: (8% / 12) interest + (5% / 12) principal curtailment.
Best fordefined runway & budget
Paymentsscheduled monthly curtailment
Executionfast closing + simple funding
Key Note
Budgeted staffing + marketing runway for expansion execution across AssureCall, Roofing Appointments, and J&J INVESTMENTS OF FLORIDA.
AssureCall
Hiring + sales capacity to fulfill inbound demand.
Roofing Appointments
Startup built with the same structure for speed‑to‑market.
J&J INVESTMENTS OF FLORIDA 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.
  • Same operational model: recruiting + QA + performance
  • Fast launch with predictable staffing lanes
  • Directly supports repayment through new recurring revenue
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

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 payment 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
$792,520.46
≈ 69.5% of combined collateral value
Operating + reserve allocation
$257,479.54
Reserves + business 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 applied to the outstanding balance.
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.
$156.82 $117.61 $78.41 $39.20 $0.00 PHH (approx/day) $93.08 Synergy (day) $54.17 Skyway (day) $130.68

Scenario Comparison: Security & Completion

A visual summary of why the complete solution is safer for the lender and better for J&J INVESTMENTS OF FLORIDA.

Recommended

Complete 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: $792,520 in liens outstanding
Risk: compounding penalties + fragmented leverage
Result: reduced completion certainty
Security & Completion Scorecard
Relative comparison (qualitative) of completion and stability.
Complete (Recommended) $300k Partial Clear Title / 1st Position Closing Simplicity Deadline / Re-quote Risk Growth Capacity Overall Stability
Complete Solution (Recommended)$300K Partial FundingClear Title / 1st Position100%30%Closing Simplicity92%45%Deadline / Re‑quote Risk85%35%Growth Capacity90%25%Overall Stability90%40%
Lien Status by Scenario
Shows how partial funding leaves the full lien stack unresolved.
$871,773 $653,829 $435,886 $217,943 $0 Complete $0.00 Liens cleared $300k Partial $792,520.46 Liens remain
$871,773 $653,829 $435,886 $217,943 $0 Complete $0.00 Liens cleared $300k Partial $792,520.46 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 underwriting 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
131 Ormond Shores Dr. — Refinance Submission (Supporting)
Included for completeness.
PDF
Executive Narrative — Loan Purpose & Expansion Rationale
Executive purpose statement and expansion narrative.
PDF
Use of Funds & Repayment Overview
Summary allocation and repayment logic.
PDF
Repayment & Risk Mitigation Addendum
Additional Repayment / Risk Details for Review.
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.