Title

01 / 15 · The Infinite ROI Model

The Infinite ROI Model

A Structured Approach to Scalable Cash Flow Through Tiny Home Note Manufacturing

Prepared by

Nick Legamaro

Advisor, Debt Structuring & Capital Markets

Slide 1 of 15

Use ← / → keys to navigate

Title

01 / 15 · The Infinite ROI Model

The Infinite ROI Model

A Structured Approach to Scalable Cash Flow Through Tiny Home Note Manufacturing

Prepared by

Nick Legamaro

Advisor, Debt Structuring & Capital Markets

Section 02

02 / 15 · The Infinite ROI Model

Executive Summary

Manufacture performing notes — not sell homes.
Two modes: Yield (deploy capital) or Cash Neutral (recycle capital).
5-year production window — 500 units / year — then portfolio income.

Performance Guarantee → Higher Pricing → Faster Capital Recovery

Section 03

03 / 15 · The Infinite ROI Model

How the Model Works

Step 1Acquisition

→

Step 2Note Creation

→

Step 3Seasoning (6 mo)

→

Step 41st Lien Sale

→

Step 52nd Lien Cash Flow

Pricing improves as uncertainty is reduced.

Section 04

04 / 15 · The Infinite ROI Model

Model 1 — Yield Optimization

LTV

73–75%

Cash in Deal

~$3K

Monthly

~$271

Payback

11–14 mo

Cash-on-Cash

100%+

Infinite ROI begins ~12 months AFTER exit.

Section 05

05 / 15 · The Infinite ROI Model

Model 2 — Cash Neutral at Exit

LTV

~77.5%

Cash at Exit

Monthly

~$244

Capital Required

Infinite ROI begins IMMEDIATELY at exit (month 6).

Section 06

06 / 15 · The Infinite ROI Model

Where Infinite ROI Occurs

Model 1 — Yield

Month 0–6

Seasoning

Month 6–18

Capital Payback

Month 18+

Infinite ROI

Model 2 — Cash Neutral

Month 0–6

Seasoning

Month 6+

Infinite ROI

Section 07

07 / 15 · The Infinite ROI Model

5-Year Production

Units Manufactured / Year

5-year production window

Total Units

2,500

Annual Production

500

Production Window

5 yrs

Production runs for 5 years only. Years 6–20 = portfolio income, no new units.

Section 08

08 / 15 · The Infinite ROI Model

Cash Flow Projections — 20 Years

Annual Cash Flow

Production stops at Year 5 — income flattens

Model 1 Model 2

Steady-State M1

~$8.1M/yr

Steady-State M2

~$7.3M/yr

Plateau Begins

Year 5

Section 09

09 / 15 · The Infinite ROI Model

Portfolio Value Over Time

Portfolio Value

Note book value across hold horizons

Model 1 Model 2

Portfolio value plateaus at ~$125M as production halts and income compounds.

Section 10

10 / 15 · The Infinite ROI Model

1st Lien Buyer Alignment

ITV

70–72%

Yield

9.5%

Seasoning

6 mo

Buyback

12–24 mo

Pricing is driven by risk perception — not leverage.

Section 11

11 / 15 · The Infinite ROI Model

Performance Guarantee Structure

Step 1

Risk

↓

Step 2

Uncertainty

↓

Step 3

Pricing

↑

Step 4

Capital Recovery

↑

We trade performance certainty for pricing efficiency.

Section 12

12 / 15 · The Infinite ROI Model

Risk Considerations

Buyer Demand

Servicing

Replacement Speed

Default Control

Risk is shifted from pricing to performance.

Section 13

13 / 15 · The Infinite ROI Model

Role & Execution

Structure

How the trade between guarantee and pricing is engineered.

Debt Placement

Which buyers see the paper, and on what terms.

Execution

Operational discipline that protects the guarantee.

These 3 variables determine pricing.

Section 14

14 / 15 · The Infinite ROI Model

Comparative Snapshot — 5 / 10 / 20 Year

Horizon	Cumulative Units	M1 Annual Income	M2 Annual Income	Portfolio Value
5 Years	2,500	~$8.1M	~$7.3M	~$125M
10 Years	2,500	~$8.1M	~$7.3M	~$125M
20 Years	2,500	~$8.1M	~$7.3M	~$125M

Production stops at Year 5. Income flattens — but compounds in cumulative dollars.

Section 15

15 / 15 · The Infinite ROI Model

Summary

Manufacture performing notes
Recover capital efficiently
Scale long-term income

Pricing is controlled by controlling risk.

Prepared by Nick Legamaro · Advisor, Debt Structuring & Capital Markets