FLORIDA PROPERTY FUND

BY BECOME AMERICAN INVESTOROctober 2011

Florida Real Estate crisis

The 2007 real Estate crisis took Florida Real Estate by storm; everyone and anyone were building Real Estate Projects all over the state riding a bubble that exploded without warning.

Everybody bailed out and the banks ended up with half finished inventories as well as residential properties the owners could not afford anymore. The gap is still very present and many American are still losing their properties every day.

But it is our opinion that the state of Florida will get back to par at a faster pace than other States for a number of reasons:

A)25 to 30% of incoming US immigrants end up in the State of Florida.

B)Florida is becoming the worldwide destination; Latin American are investing in Florida like never before; Europeans can’t wait to get their money out of Europe and Florida is a destination of choice for them.

C)While the rest of the world is licking the wounds, Miami is launching mega projects one after the other for a total of close to 10 Billions in 2011 alone.

D)Canadians are investing in Florida supported by solid economy back home; in fact the strong Canadian Real Estate situation does not offer investment opportunities locally and Canadians are moving their interest towards the opportunities offered by Florida's week market.

E)The baby boom effect is knocking on the door; Florida is the retirement destination by excellence.

The Opportunity ‘’The depleted value of the properties and the strong renting demand created a situation that we will probably see ounce in our lifetime.’’ The combination of buying at 40% to 60% of the original value and renting out at a normal rate per Square Foot translate into some over 10% return cash on cash. And the upscale perspective on the value of the property is fantastic

Our Business Plan Our business plan consist in finding these properties directly ON THE BANK STOCK; rehab those in need and offer them with a tenant in place or a short term rental agreement to the individual buyers from around the world; a turnkey proposition to an effervescent demand. In fact, we buy opportunities in bulk from the American Financiers. The growth of our investment capacity will translate into better deals; American Banks are looking to unload properties without the trouble of dealing with each individual situation and our capacity to buy on the spot at Court Houses Auctions is an evident asset as well. As the reader will read from the spreadsheets, the key to this proposition is the timetable between the date of purchase of each property and the date of selling to the individual investors. The ongoing marketing plan will provide us with a bank of potential buyers; it is essential that this marketing effort is in full gear at all time. Where else in the world will we find such an investment proposal?

Investors from around the world Our business plan is not limited to North American investors; France, England and Germany investors are turning to the same type of properties; our goal is to expose these opportunities to to the entire market place with a special attention to Latin America. We actually have physical offices and management staff in Uruguay, Brazil, Canada, Venezuela, and Ecuador.

The philosophy We are proposing a format where the investor has all the advantages of a major partner but at the same time, enjoys the limited capital risk of the position of a Banker. The investment takes place under the format of a mortgage on the property. This mortgage registered against the titles of the property will keep the capital including the return of the investors in a safe place.

Capital Risk Our proposal limits the capital risk as well; the investor’s capital is invested as a mortgage on each property or is in escrow. Our investors will enjoy the same position as any lender would have but will also enjoy the return of a major partner. As a general rule we also propose not to construct fractional mortgages; each investor will enjoy a ‘’solo’’ promissory note with a mortgage lean registered to the property’s titles avoiding any contractual conflicts as the investor has 100% control over his assets at all time.

Return on investment We have calculated profit sharing as follows: First, a 8% yearly return is calculated in monthly payments and considered as a direct cost on each property as long as the property is in our hands. In order to avoid involving the investor in the operation and most of all avoid affecting the return on the investment because of variances in profit , we are proposing to turn the 65% share of the profits into a hard 10% fee of selling prices. Based on our calculation the 65% profit share is about equal to 10% of the average selling price. With this formula, the investors is not affected by any day to day decisions and profit variances; the investors enjoy a very simple and accurate control of each loan including the expected return. At this point in time we want to establish that signing the agreement with the 5% deposit, the investor will reserve his spot on an upcoming startup date on which the 95% of the funds will be transferred to the escrow account. The pace of investment is limited by the capacity of the company to absorb the flow of properties. It is useless to have funds sitting in the escrow account. The signing dates on the agreements will keep the order of startup dates for each cell.

The spreadsheets The herein spreadsheet demonstrate a conservative operation schedule considering the company’s tools and network already in place. Based on a USD 200,000 initial investment cell. Selling properties at an average of USD 80,600 with an average cost of USD 62,000. The concept applies to bigger or smaller properties as well. The range price of properties will be determined by the potential buyer’s profile our marketing will bring to the table. Our strike price for purchase including rehab must permit a 1.3 margin. It is possible to have a faster turnover of properties as potential purchasers are qualified and interested in our properties as we speak.

The reader will find 2 spreadsheets: Demonstrating 3) 6 months turnover producing 39% yearly return. (Doc 1) 4) 12 months turnover producing close to 17% yearly return (Doc 2)

This last spreadsheet shows 2 important factors about this proposal A) The investor’s money is never at risk (with the mortgage) no matter how long the program is extended and still earn 8% until prior to sell out. B) The yearly return is still close to 17% on a conservative 12 months turnover due to the sale out on a 12 months period after invested.

PERSPECTIVE BUYERS

The Canadians (See doc 6) The entire Real Estate Industry recognizes that Canada is one of the biggest investors market out there. In fact the American council is stating that Canadians are now buying 25% of all properties sold to foreigners and 10% of the total Florida Real Estate Market. Canadians are rightfully buying smaller properties under the 200k range.The general consensus is to invest into a property which will pay for itself until retirement time or to eventually sell when the market permits a capital gain. And we push as well our investors towards properties under USD 200,000; these properties can offer a good monthly return with a simple USD 1,000 /month renter. A more expensive property will ask for higher rent ratio in order to show a decent return and the number of potential tenants at a higher level is limited.It is our opinion that the investor remains in a safe zone by purchasing multiple less expensive properties than fewer more expensive properties.

Canadian Banks expanding in Florida Canadians enjoy finance from Canadian banks; these banks are now branching out in Florida dedicated to finance Canadians investors. TD Bank and Desjardins Bank are opening Retail Stores all over Florida. Canadians are enjoying 70 to 75% finance, which is a rarity in Florida.

PERSPECTIVE BUYERS

The Brazilians and Latin-Americans According to the New York Times the Brazilians are one of the reasons why the product inventory on real estate property went from a 70 years supply to almost gone !!!In Miami, foreigners account for more than 65 percent of all condo and home sales, according to the Miami Association of Realtors. Brazilian buyers have steadily surpassed other nationalities. At the end of 2011, Miami Association of Realtors statistics listed Brazilians as the second most active foreigners, at 12 percent of all buyers, sandwiched between Venezuelans (15 percent) and Argentines (11 percent). While observers expect Brazilians to take the lead next year, Brazilian ownership already is reportedly as high as 70 percent at some luxury towers. “They are taking Miami by storm, more than just buying one apartment, they are also getting their friends and families to buy. When one buys in a project, the rest follow. They want to be around friends and people they know.” “The Brazilians just come to spend money, paradise exists and it’s Miami. Everything is half the price and everything works,” Arturo says.

Thru our principals offices located in Argentina, Brazil, Venezuela and Ecuador we will promote the properties, Sud-American markets are buying now over 50 % of properties sold to foreigners

Current long term rental market

During 2008 the foreclosure rate in the State of Florida represented 1 foreclosure out of 42 existing houses !!! Still in 2012 new foreclosure in some counties of Florida are in the rate of 1 per each 200 houses. South Florida's rental housing market is booming as foreclosures and price declines have many residents leery of homeownership or unable to qualify for mortgages.There are fewer empty rental apartments in South Florida's counties this year over last year and rental rates are higher. Some new renters are former homeowners who have lost their properties to lenders, while others simple cannot qualify for a mortgage.

This is the perfect time to buy and rent.

The Process and the Agreement A) Investors funds in Escrow Upon signing the 12 Months agreement the investor will deposit 5% of funds with the company and deposit 95% of funds in Title lawyers Escrow Account.

B) In due time, the company will present a Purchase and rehab Sheet to the investor for approval; such approval to be signed and sent to the Title Lawyer with instructions to engage the specifics funds needed for this transaction.

C) The Title lawyer will register a Mortgage against the titles of the designated property with this presentation and the agreement.(See note on next page)

D) We will produce a report to the investor showing the rehab performed on the property as well as the lease situation within 60 days after purchase date.

E) We will deposit the 8% yearly return (divided in monthly increments and starting 30 days after date of closing) in the investor's bank account with a monthly report on the activity on the property.

F) When the property is sold to a third party, the Title Lawyer will provide the investor with a copy of the accepted offer and details of the selling process.

G) With the closing on the selling of the property, the funds (including the 10% bonus on selling price) will return to the Title Lawyer escrow account and become available for the next purchase.

Note: The mortgage and promissory note will specify a reimbursement to be paid back with an amount equal to the greater amount between 10% of the selling price and 11% of the total investment. This stipulation is important to the investor: If the property is sold at a superior price than originally expected, the investor will enjoy a better return. If the property is sold at a lower price than expected, it will be the lost of the promoter since the minimum to be paid back is 11% of the loan. In fact the formula provides peace of mind to the investor for the simple reason that operation costs or any other operational factors can not affect his return ratio. The yearly turnover of properties is the key to a higher return on investment for both parties and any forecast at this moment is speculation. A yearly turnover of properties is unthinkable for the financial health of our operation but would still bring some 12% return to the investor. At the other hand of the spectrum, a 90 days turnover of properties could translate into an important early return on investment for the investor. The math is simple and anyone can speculate on the final outcome but one fact is obvious: this format protects the investor’s capital at all time and still propose a great return possibility.

Conclusion This is a limited offer; in order to keep pace with our business plan we need to limit the number of investors and the amount of money we can invest in proper manner; it is our opinion that we need to pace ourselves to keep a win-win situation for all parties.

A 5% deposit with the signed agreement herein will keep the place of the investor. This deposit ensures the company of the presence of the investor at closing table; this deposit to be considered as a deposit on the first property purchases (5000$ per property) and to be credited against the disbursements.

This 5% deposit will also contribute to the company’s ongoing activities including marketing our properties across the planet. In the case of a multiple investors cell, the loans will be made through a company formed by the investors and represented by one of the investors.

DISCLAIMER THIS PRESENTATION IS NOT AN ADVERTISEMENT AND IS NOT A PROSPECTUS AND SHOULD NOT BE PERCEIVED AS SUCH; THE READER ACKNOWLEDGE THAT THIS PRESENTATION DOES NOT CREATE ANY CONTRACTUAL OBLIGATIONS TO THE READER OR TO ANY ENTITIES THAT MAY ENGAGE IN THE ACTIVITIES DISPLAYED HEREIN.

Our Partners

The law firm John Paul Arcia, PA 8700 West Flagler Street Suite 355 Miami, Florida 33174 parcia@arcialaw.com (786) 429-0410 (Office) (786) 477-4341 (Direct) (786) 429-0411 (Fax)

The accountants: Deloitte

Our Organization:

Tery FuentesHead Client Relationship and Marketing

Arturo VentiPrincipal/Argentina and Brazil

Herman Graziani Principal/Venezuela and Florida

Robert Dubois Principal/Canada and Florida

Javier Borrero Principal/ Ecuador and Florida

Gretha Graziani Long term rental director

Richard Vezina Rehab Director

Danielle Bisaillon Short term rental director

Our Offices:

Florida HeadQuarter:101 Pineapple Grove Way, Delray Beach,FL 33444, USA

LATAM HeadquarterCalle San Francisco, Local 1 OPEN MALLPunta del Este, Uruguay

Brazil OfficeAlameda Eduardo Prado, 371Campos Eliseos, Sao Paulo, SP

www.BecomeAmericanInvestor.com

info@BecomeAmericanInvestor.com

+598 95 767 518

Some recent foreclosures acquisitions, rehab, rental and re-sale for our Property Fund Clients