$3.5M FL PPO/PPM · AUM as the Engine · Six Legs
A chart-centric kick-off memo mapping the Consortium’s six-leg architecture, hierarchy inverted: $3,500,000 raised via the Florida PPO/PPM is placed inside the AUM platform as two feeder boxes. $1M into a Carry-Feeder throws off ~$70K/mo at ~7% — back to the holding-co to fully service the carry cost of the $3.5M raise (net-zero drag). $2.5M into an Ops-Feeder throws off ~$200K/mo at ~7% — distributed round-robin to the operating legs little by little, phased over months as each business needs it (not one-shot). The other five legs run their original target capital — Alt Investments ($400K target · 15% underwriting hurdle · $25K/mo conservative pro-forma), Consortium Law core ($650K target → $2.12M/mo steady state), SBA Boomerang ($250K target → ~$25K/mo), ThinkBuildGrow.ai ($100K target), and NewCo Green HVAC ($100K target → $152K/mo) — but each is trickle-funded from the Ops-Feeder’s monthly output rather than lump-sum. Principal stays parked in AUM. Businesses grow on the trickle until they reach steady state and throw off their own operating revenue. Leg 6 — self-funded apartment acquisition runs in parallel to the $3.5M architecture — 200 units/yr minimum, distressed focus, currently Louisiana; per typical 80-unit building $500K at acquisition + $15K/mo × 12 construction-phase + $25K/mo NOI in perpetuity.
The Brief
01 — The Six-Leg Architecture
The Florida PPO/PPM raises $3,500,000, which is placed inside AUM as the central engine — split into two feeder boxes. $1M Carry-Feeder throws off ~$70K/mo at 7% — back to the holding-co to service the carry cost of the $3.5M raise (net-zero). $2.5M Ops-Feeder throws off $200K/mo at 8% — distributed round-robin to the five trickle-funded operating legs L1–L5 (Alt / Legal / SBA / TBG / HVAC) phased over months as each business needs it, not lump-sum. Principal stays parked in AUM. Leg 6 — Apartment Acquisition runs self-funded in parallel. The bottom row shows what each of the six legs throws off at steady state.
02 — $400K Target into a Basket @ 15%/mo Gross · Funded from AUM Ops-Feeder Trickle
Leg 1 targets $400K deployed into the operator-side alternative-investment basket — positions Joe is already underwriting. Three named programs at kick-off: car-finance program, warranty program, and Dealer Plan Correction. Target gross return: 15% per month on cash invested, throwing off $25,000 / month as a conservative pro-forma into the holding-co P&L. Under v6, capital is not deployed lump-sum — the $400K target is trickle-funded from the AUM Ops-Feeder’s ~$200K/mo monthly-profit pool, phased over months on a round-robin schedule alongside the other operating legs. As cash trickles in, gross return compounds on the deployed slice: a first-month allocation of ~$30K throws off ~$4.5K; the conservative $25K/mo revenue cell lands as the basket phases in and cycles at the Joe-guided pro-forma.
Read this honestly. The 15%/mo gross is the target on the basket as Joe is underwriting it; per-program allocations inside the $400K are a Joe-and-Sean call. Net (after program-level loss, fees, and timing) lands lower than 15% — the deck shows the gross headline because that is the underwriting hurdle. The basket sits on the holding-co balance sheet alongside the FL portfolio. Under v6, capital arrives phased from the AUM Ops-Feeder’s $200K/mo pool — the deployment cadence is round-robin with the other operating legs based on need, not lump-sum on day one. Conservative pro-forma revenue cell $25K/mo lands as the basket phases in — a deliberate discount off the 15% underwriting hurdle to reflect net-of-timing, program-mix, and loss-experience realism.
03 — $3.5M into AUM · Two Feeder Boxes · $70K/mo Carry + $200K/mo Ops
The entire $3,500,000 raised from the Florida PPO/PPM is placed in the AUM platform at a targeted 7-8% monthly yield (7% on the Carry-Feeder; 8% on the Ops-Feeder). The principal is not disbursed — it stays parked in AUM and only the monthly profits are distributed. Internally, the $3.5M is bookkept as two feeder boxes: a $1M Carry-Feeder throwing off ~$70K/mo routed back to the holding-co to service the carry cost of the $3.5M raise (net-zero drag on the offering), and a $2.5M Ops-Feeder throwing off ~$200K/mo distributed round-robin to Legs 1–5 (Alt / Legal / SBA / TBG / HVAC) as trickle capital — phased over months on a per-business-need cadence. Legs grow on the trickle; once they reach steady state, they throw off their own operating revenue independent of AUM.
Why this matters. The AUM engine is the whole architecture’s cash pump — principal stays parked and only the monthly profits are distributed. Feeder 1 self-services the carry cost of the raise (net-zero drag on the offering itself). Feeder 2 phases the operating legs into existence over months, matching capital delivery to each business’ readiness rather than dumping the full stack on day one. Blended yield ~7-8% net-of-fees: Carry-Feeder $1M @ 7% = $70K/mo (carries the raise), Ops-Feeder $2.5M @ 8% = $200K/mo (feeds operating legs). $70K + $200K = $270K/mo total monthly pool from the $3.5M AUM principal. Two director assets — 818 N 46th, Hollywood FL and 24–36 Dempsey, Edgewater NJ — sit on the holding-co balance sheet; their carry rides on the Carry-Feeder output alongside the $3.5M debt service.
04 — $650K Target into the Legal Vertical Core — Three Sub-Buckets · AUM Ops-Feeder Trickle
Leg 2 targets $650K deployed into the Law Vertical described in the cc-law-vertical memo (V1 LAD SaaS, V2 Consortium Marketing PI funnel, V3 Day Law). Joe’s named carve-outs inside the $650K: $250K for the Greg E. “Case Cash” give-and-go (third-party case-funding with a secured-note recycle — see next slide); $125K seeds 50 MVA cases on the same recycle mechanic; $275K reserved for vertical stand-up (LAD SaaS build runway, Day Law stand-up, Marketing JV stand-up, cash-lag operating buffer). Under v6, capital arrives trickle-funded from the AUM Ops-Feeder’s ~$200K/mo pool, phased on the round-robin schedule — largest target-line on the operating side, will take the largest share of trickle windows. The stand-up runway is deliberately sized to bridge months where trickle is short of full monthly need. Leg 3 SBA $250K, Leg 4 ThinkBuildGrow.ai $100K, and Leg 5 NewCo Green HVAC $100K are each standalone target-lines, sharing the same Ops-Feeder trickle round-robin outside the Law cash-cycle.
05 — The Recycle Mechanic — How $250K Works Twice
Once the Leg 2 trickle has accumulated the $250K Greg carve-out, Consortium deploys it to fund a third-party case tape on quick-turnaround economics. Greg E. then lends $250K back to Consortium as a secured note, collateralized by the face value of the same tape Consortium just funded. Greg recycles his $250K plus his profit through the structure — the secured note protects him; Consortium gets its $250K back into deployable form while continuing to hold the case-tape upside. Same mechanic applies to the $125K MVA sub-bucket: once the Ops-Feeder trickle has funded the MVA carve-out, Consortium funds the 50-case tape and Greg secures-notes the principal back.
Same mechanic on Leg 2b ($125K MVA). Consortium funds 50 MVA cases out of $125K; Greg secures-notes the $125K back; Consortium keeps the upside on the MVA tape and the $125K redeploys. Documentation: secured note + UCC-1 on the tape; structure reviewed by Robert before close.
06 — What the $650K Builds Toward
The $650K target kicks off the three avenues described in the cc-law-vertical memo. Once the SaaS firms are onboarded, the marketing-funnel case-flow matures, and Day Law is processing at design capacity, the Law Vertical generates ~$2.12M / month, $25.47M / year. The Greg give-and-go inside Sub-Bucket A is the cash-flow shock-absorber that lets Consortium hold the case-tape upside without locking principal during the V2/V3 lag window — the recycle mechanic effectively makes the $375K (Greg $250K + MVA $125K) work twice, lifting effective working capital well above the $650K headline. Under v6, the $650K target itself is trickle-funded from the AUM Ops-Feeder’s $200K/mo pool, phased over months on the round-robin schedule — the trickle cadence gates when each sub-bucket flips live.
| # | Avenue | Unit math | Monthly | Annual |
|---|---|---|---|---|
| V1 | Law All Day (SaaS) | 10 firms × 20 cases × $300 | $60,000 | $720,000 |
| V2 | Consortium Marketing (PI funnel) | 10 cases × $1,000,000 × 33% × 50% | $1,650,000 | $19,800,000 |
| V3 | Day Law (MVA / CMVA / WC) | 25 cases × $50,000 × 33% | $412,500 | $4,950,000 |
| Consortium Law — combined steady-state | three engines rolling | $2,122,500 | $25,470,000 |
How the $650K core maps into the Law Vertical
V1 (LAD) — the $275K stand-up runway covers product runway during the August 2026 → Q1 2027 onboarding ramp. LAD MRR settles directly with subscriber firms — no ABS routing required.
V2 (Marketing) — the Greg give-and-go on Sub-Bucket A funds early third-party case-tape positions while the lawyer-John contract is being closed. Cash on the contracted cases lands 18–36 months later. The secured-note recycle keeps principal redeployable during the lag.
V3 (Day Law) — the $125K MVA seed brings 50 cases into Day Law’s pipeline; the same Greg recycle keeps principal redeployable. Day Law’s steady-state 25 cases/month × $50K × 33% lands as Consortium net via the ABS.
07 — Leg 3 SBA Boomerang · Leg 4 ThinkBuildGrow.ai · Both Trickle-Funded
Leg 3 targets $250K deployed as the down position on an SBA-financed business purchase. Under v6, the $250K arrives from the AUM Ops-Feeder trickle on the round-robin schedule — once accumulated, Consortium puts it down on a ~$1M business, SBA financing covers the gap. The SBA give-and-go mechanic returns the $250K back to Consortium via the SBA financing structure — the capital boomerangs, identical conceptually to the Greg recycle on Leg 2a. The $1M business sits as the income-producing asset.
Revenue math. The $1M business grosses 25–30% on face value annually. Divided by 12 months, that runs roughly $20–25K per month gross — about 10% of the face value of Consortium’s $250K investment per month. Revenue cell on Slide 03: ~$25,000 / mo.
ThinkBuildGrow.ai is our in-house technology firm. Leg 4 targets $100K deployed to seed strategic infrastructure and stack tooling that sit underneath the broader Consortium operations — not a yield position, a platform position. Returns are reinvested into product/build rather than distributed.
Revenue cell. Monthly profit rate is TBD per Joe. The $100K is one of the two smallest targets in the operating stack (tied with Leg 5 HVAC) — deck shows TBD on the Slide 03 revenue row until Joe supplies the rate. Under v6, the $100K arrives from AUM Ops-Feeder trickle on the round-robin schedule; because the target is small, Leg 4 flips fully-funded early in the trickle sequence.
Target Allocation · Trickle-Funded
$100,000
into ThinkBuildGrow.ai — in-house tech firm. Returns reinvested into platform build. Monthly profit rate: TBD per Joe.
Honest read. Leg 4 is a strategic position, not a yield play. The deck flags the revenue cell as TBD rather than guessing — Joe to supply the profit-rate assumption before the next iteration. Leg 5 NewCo Green HVAC (next slide) is the operating-yield counterpart at the same dollar count.
08 — $100K Target into NewCo Green · 40 Installs/wk → $152K/mo
Leg 5 targets $100K deployed into the NewCo Green / Decarbonization Initiative HVAC business — a customer-sourcing and admin operating company that pairs with a licensed HVAC contractor trade partner and a leasing/finance partner. NewCo Green sources customers and runs marketing, admin, and fulfillment ops; the licensed HVAC contractor carries the licensure, technical authority, and regulated-trade authority; the leasing/finance partner finances approved customers 100% where applicable. At 40 installed units per week, NewCo Green throws off $38,000 net income per week × 4 weeks = $152,000 per month, $1,824,000 per year. Single biggest non-Law-Vertical contributor on the revenue row — and one of the only legs backed by an operating business as opposed to a financial position. Under v6, the $100K arrives from AUM Ops-Feeder trickle on the round-robin schedule; small target flips fully-funded early once external counterparties (licensed contractor + finance partner) are papered.
Honest read. The $152K/mo and $1.824M/yr figures are Joe-supplied operating metrics for the NewCo Green HVAC business model — not third-party-diligenced. Donna delivered the NewCo Green / Decarbonization Initiative HVAC brochure + JV memo (final production model on Joe’s desktop) — the licensed-contractor + Mr. Arbuckle in-house QC structure is the operating premise. Per-customer unit economics and net-margin assumptions inside the $38K/wk figure are Joe’s; the deck shows the operating metric as-supplied. The licensed HVAC contractor and the finance partner are external counterparties to be confirmed before the seed deploys; the licensed-trade structure must be papered to Joe’s satisfaction (NewCo Green sources/admins; the license-holder carries regulated-trade authority).
09 — Self-Funded Leg · 200 units/yr Minimum · Distressed Apartment Acquisition
Leg 6 of the six-leg architecture is the Consortium’s apartment-building acquisition leg — self-funded and structurally independent of the $3.5M FL PPO/PPM that funds Legs 1–6. Target throughput is 200 units per year minimum, focused on distressed apartment buildings, currently sourced from the Louisiana market with cycle into additional markets as the operating cadence proves out. For a typical 80-unit building, the unit economics are: $500,000 revenue at acquisition, $15,000 per month over 12 months of revenue during the construction / value-add phase ($180,000 cumulative), and $25,000 per month in net revenue at stabilization — in perpetuity, per stabilized building of this size.
Honest read. Leg 6 is self-funded and structurally independent of the $3.5M FL PPO/PPM; it does not touch the AUM engine, the Carry-Feeder, the Ops-Feeder trickle, or any of Legs 1–6 — it’s the seventh leg of the architecture by parallel design, not by reallocation. The $500K, $15K/mo, and $25K/mo figures are Joe-supplied operating metrics for the typical 80-unit distressed-acquisition profile in the current Louisiana market — transaction-mechanism agnostic and not third-party diligenced at this iteration. The construction-phase $15K/mo runs over the 12-month value-add period; the $25K/mo stabilized NOI lands per building, in perpetuity, after stabilization. 200 units/yr at an 80-unit typical building translates to roughly 2–3 acquisitions per year; market mix scales as the cadence proves out. Per-building deal mechanics, financing structure (acquisition + rehab capital sources), and stabilized rent-roll assumptions inside the $25K/mo figure are Joe’s; the deck shows the operating metric as-supplied.
10 — The Roll-up — Six Legs · AUM Engine + Trickle-Funded Operators + L6 Self-Funded
Six legs. Under v6, the entire $3.5M from the FL PPO/PPM is placed inside AUM Central Engine — the AUM central engine, split into two feeder boxes ($1M Carry-Feeder + $2.5M Ops-Feeder). Feeder 1’s $70K/mo carries the raise (net-zero). Feeder 2’s $200K/mo trickle-funds Legs 1–5 round-robin, phased over months. Each operating leg keeps its target capital line but arrives in phases, not lump-sum. Leg 6 apartment acquisition is self-funded in parallel. The Law Vertical’s steady-state contribution is the Consortium share post-ABS — cash through the door behind an 18–36 month ramp. SBA boomerang revenue is gross from the business. HVAC revenue is Joe-supplied (NewCo Green operating metric, not third-party diligenced). TBG rate pending. Leg 6 revenue is Joe-supplied per-typical-80-unit-building operating metric.
| # | Leg | Capital | Revenue rate | Monthly @ steady state |
|---|---|---|---|---|
| AUM | AUM — Central Engine · $1M Carry-Feeder + $2.5M Ops-Feeder | $3,500,000 | ~7-8% blended (Carry 7% + Ops 8%) | ~$270,000 $70K @ 7% → carries the raise (net-zero) · $200K @ 8% → trickle-feeds L1–L5 |
| L1 | Alternative Investments (trickle-funded) | $400,000 target | 15% underwriting hurdle · conservative pro-forma | $25,000 conservative pro-forma at basket steady-state |
| L2 | Consortium Law Legal Vertical Core (trickle-funded) | $650,000 target | V1 + V2 + V3 steady state | $2,122,500 |
| L3 | SBA Boomerang ($1M biz on $250K seed · trickle-funded) | $250,000 target | ~10% face value / mo | ~$25,000 |
| L4 | ThinkBuildGrow.ai (trickle-funded) | $100,000 target | TBD per Joe | TBD |
| L5 | NewCo Green HVAC Seed (trickle-funded) | $100,000 target | 40 installs/wk · $38K net/wk × 4 (Joe-supplied) | $152,000 |
| L6 | Leg 6 — Apartment Acquisition (distressed, currently Louisiana) | Self-funded | per typical 80-unit bldg: $500K acq + $15K/mo × 12 + $25K/mo perpetuity | $25,000/mo perpetuity per stabilized 80-unit bldg |
| Legs 1–5 — operating-leg steady-state (trickle-funded from Ops-Feeder) | $1,500,000 target | five legs · five revenue cells | ~$2,324,500 / mo + TBG TBD · + AUM net-zero · + L6 $25K/mo perpetuity per stabilized bldg |
Critical timing caveats · v6 trickle mechanics
AUM Central Engine goes live month one — principal parked, both feeders throw off their first monthly outputs. Carry-Feeder ($70K/mo) covers the $3.5M raise carry-cost from month one; Ops-Feeder ($200K/mo) begins the round-robin trickle from month one. Blended yield ~7-8% net-of-fees: Carry-Feeder $70K/mo at 7% (carries the raise) + Ops-Feeder $200K/mo at 8% (feeds operating legs) = $270K/mo total pool from the $3.5M principal.
Trickle schedule (Ops-Feeder → L1–L5) — the $200K/mo Ops-Feeder pool funds the $1.5M combined target across the five operating legs. At full pool draw, target-total is reached in ~10 months; in practice the round-robin phases smaller-target legs first (L4 TBG $100K, L5 HVAC $100K flip fully-funded early), larger targets (L2 Law $650K, L1 Alt $400K, L3 SBA $250K) accumulate over subsequent months. Each leg’s revenue cell scales linearly with cumulative deployment until full-target.
L2 (Law Vertical) — V1 LAD MRR is the first cash through the door (Aug 2026 onboarding, $60K MRR target by Q1 2027). V2 + V3 settlements compound behind it on the 6–36 month lag. Full $2.12M/mo lands at steady state (~Q3 2028). Greg give-and-go inside L3a recycles principal on the case-tape, effectively extending the $650K target’s reach.
L1 (Alt Investments) — 15% gross is the underwriting hurdle; deck shows the conservative $25K/mo pro-forma cell (net-of-timing, program mix, loss experience). Basket sits on holding-co balance sheet; revenue cell scales with deployed slice during trickle phase.
L3 (SBA Boomerang) — revenue ramps with business’ operational tempo once trickle has accumulated the $250K carve-out; principal boomerangs back to Consortium via SBA financing structure.
L4 (ThinkBuildGrow.ai) — monthly profit rate TBD per Joe; deck shows the target but the revenue cell is left honest until the rate is supplied.
L5 (NewCo Green HVAC) — revenue is Joe-supplied operating metric (40 installs/wk · $38K/wk net · × 4 wks = $152K/mo); ramp tied to install velocity from program kick-off. Licensed contractor + finance partner external counterparties to confirm before seed deploys; license-holder + Mr. Arbuckle in-house QC structure per Donna’s NewCo Green brochure.
L6 (Apartment Acquisition · self-funded) — runs in parallel to the $3.5M architecture, independent capital. Year-1 revenue per typical 80-unit building lands as $500K at acquisition plus $15K/mo × 12 of construction-phase revenue ($180K cumulative); $25K/mo NOI in perpetuity per stabilized building. 200 units/yr at 80-unit typical = ~2–3 acquisitions/yr. Current market Louisiana; market mix scales as cadence proves out. Joe-supplied operating metrics per typical 80-unit profile; not third-party diligenced at this iteration.
11 — Priority — First 90 Days · AUM Live → Trickle Schedule
Ordering under v6 follows the trickle mechanic. AUM AUM is live day one — principal placed, both feeders throwing off their first monthly outputs (Carry-Feeder covers the raise; Ops-Feeder begins the round-robin). L4 TBG + L5 HVAC have the smallest targets ($100K each) and flip fully-funded earliest on the trickle. L3 SBA follows on the next round. L1 Alt + L2 Law core are the largest targets and accumulate over the longest trickle windows — but L2’s stand-up runway ($275K) is sized deliberately to bridge those months. Leg 6 apartment acquisition runs on its own cadence, parallel to the $3.5M — self-funded, gated only on deal-flow and crew capacity.