The Capital Consortium · Cick-Off Confidential · Internal Strategy · June 2026
CC

$2M DSCR Cash-Out · Six Buckets · Six Revenue Cells

Two million in,
six buckets out —
six revenue cells under each.

A chart-centric kick-off memo mapping the $2M DSCR cash-out from the Florida holding-co portfolio into six disbursement buckets, each with its own monthly revenue cell at steady state: $400K Alt Investments (15% gross/mo → $60K), $500K AUM Platform (7%/mo → $35K) covering DSCR debt service plus director-asset carry, $650K Consortium Law core (Greg give-and-go + MVA seed + stand-up runway → full Law Vertical at $2.12M/mo steady state), $250K SBA boomerang (~10% face value/mo → $25K), $100K into ThinkBuildGrow.ai (in-house tech firm), and $100K seed into NewCo Green HVAC (40 installs/wk → $152K/mo, $1.824M/yr).

For the attention of Sean Young · Joe Ortiz
Capital Consortium · FL Holding Company · J.O. Law Group, LLC (ABS) June 2026 · Manhattan

The Brief

Six buckets, six revenue cells, one ABS.

  1. 01The Master Disbursement — $2M into Six Buckets · Revenue Rowp. 03
  2. 02Bucket 1 — Alternative Investments ($400K @ 15%/mo)p. 04
  3. 03Bucket 2 — AUM Platform @ 7%/mo ($500K) — Covers DSCR + Carryp. 05
  4. 04Bucket 3 — Consortium Law Legal Vertical Core ($650K) — Sub-Flowp. 06
  5. 05Bucket 3a — Greg “Case Cash” Give-and-Go — The Recycle Mechanicp. 07
  6. 06Bucket 3b — The Law-Vertical Steady-State Economicsp. 08
  7. 07Bucket 4 SBA Boomerang · Bucket 5 ThinkBuildGrow.aip. 09
  8. 08Bucket 6 — NewCo Green HVAC Seed ($100K @ 40 installs/wk → $152K/mo)p. 10
  9. 09The Roll-up — Every Dollar of the $2M · Every Revenue Cellp. 11
  10. 10Priority — First 90 Daysp. 12

01 — The Master Disbursement

$2M out, six buckets — with a monthly revenue cell under each.

DSCR cash-out refinance against the Florida properties held in the holding company produces $2,000,000 deployable. Six buckets: $400K Alt, $500K AUM, $650K Legal core, $250K SBA, $100K ThinkBuildGrow.ai, $100K NewCo Green HVAC seed. The third row shows what each bucket throws off at steady state.

SOURCE · DSCR CASH-OUT FL Holding Company Florida properties · cash-out refinance $2,000,000 BUCKET 1 Alternative Investments Car finance · Warranty Dealer Plan Correction $400,000 BUCKET 2 AUM Platform 7% monthly ROI covers $33K DSCR + director carry $500,000 BUCKET 3 Consortium Law Legal Vertical Core $250K Greg · $125K MVA $275K stand-up runway $650,000 BUCKET 4 SBA Business Purchase Seed $250K seeds $1M biz SBA financing boomerangs $250,000 BUCKET 5 ThinkBuildGrow.ai in-house tech firm strategic infrastructure + stack tooling $100,000 BUCKET 6 NewCo Green HVAC Seed 40 installs / wk licensed-trade JV $100,000 REVENUE · ALT $400K × 15%/mo $60,000 / mo gross alt-yield basket into holding-co P&L REVENUE · AUM $500K × 7%/mo $35,000 / mo $33K DSCR + ~$2K carry self-services the loan REVENUE · LAW V1 + V2 + V3 steady $2,122,500 / mo cc-law-vertical memo post-ABS to Consortium REVENUE · SBA ~10% face value/mo ~$25,000 / mo $1M biz × 25–30%/yr divided by 12 months REVENUE · TBG monthly profit rate TBD per Joe strategic infra position rate to be supplied REVENUE · HVAC $38K net/wk × 4 wks $152,000 / mo $1,824,000 / year Joe-supplied metric $400K Alt + $500K AUM + $650K Law + $250K SBA + $100K TBG + $100K HVAC = $2,000,000 $60K + $35K + $2.12M + $25K + TBD + $152K = ~$2,394,500+ / mo at steady state
cash disbursement & revenue cell
Bucket 1 · Alternative Investments · 15% Gross / mo

02 — $400K into a Targeted-Yield Basket @ 15%/mo Gross

$400K across a basket of operator-side alt-yield programs — $60K/mo gross.

The first $400K seeds the operator-side alternative-investment basket — positions Joe is already underwriting independently. Three named programs at kick-off: car-finance program, warranty program, and Dealer Plan Correction. Target gross return is 15% per month on cash invested, throwing off $60,000 / month into the holding-co P&L, separate from the Law cycle and the AUM DSCR-coverage role. The $100K trimmed from the original $500K Alt sleeve has been redirected to the new Bucket 6 NewCo Green HVAC seed.

BUCKET 1 · SOURCE Alternative Investments $400,000 PROGRAM A Car Finance Program Operator-side subprime / dealer-floor financing PROGRAM B Warranty Program Service-contract reinsurance · aftermarket warranty PROGRAM C Dealer Plan Correction Compliance / book-trade structured position REVENUE · HOLDING-CO P&L $400K × 15% gross/mo $60,000 / mo basket compounds off the holding-co $400,000 × 15% per month gross = $60,000 / month — basket sits on holding-co balance sheet, separate from Law cycle

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. The $100K trimmed from the original $500K Alt sleeve seeds Bucket 6 (NewCo Green HVAC) at $152K/mo Joe-supplied yield — materially higher operating ROI than the Alt basket at the same dollar count.

Bucket 2 · AUM Platform · The Self-Servicing Loop

03 — $500K into AUM at 7%/mo — the Self-Servicing Loop

$500K into AUM at 7% monthly — the new DSCR services itself.

$500K of the cash-out is parked in the AUM platform at 7% monthly ROI, generating $35,000 / month of cash flow. The DSCR loan that produced the $2M carries a monthly debt-service requirement of $33,000. The AUM output covers the new debt-service in full, with the remaining ~$2,000 / month directed to carry on the two director assets — 818 N 46th St, Hollywood FL and 24–36 Dempsey Ave, Edgewater NJ. The whole loop is self-servicing.

STEP 1 · SEED AUM Platform 7% monthly ROI $500,000 STEP 2 · MONTHLY OUTPUT 7% on $500K $35,000 / mo recurring cash flow STEP 3a · DEBT SERVICE DSCR debt service on $2M cash-out loan $33,000 / mo STEP 3b · DIRECTOR CARRY Director-asset carry 818 N 46th · Hollywood, FL 24–36 Dempsey · Edgewater, NJ ~$2,000 / mo cushion / carry buffer STEP 4 · NET Holding-Co DSCR fully serviced Director carry covered $0 cash drag on the new loan STEADY-STATE MONTHLY MATH (Bucket 2) $500K × 7% = $35,000 in — $33,000 DSCR — ~$2,000 director carry = ~$0 net drag

Why this matters. The $2M DSCR loan does not eat into the rest of the disbursement. It services itself out of the smallest single bucket and carries the two director assets at the same time. Buckets 1, 3, 4, 5 and 6 are not weighed down by debt-service drag.

Bucket 3 · Consortium Law Legal Vertical · Core

04 — $650K into the Legal Vertical Core — Three Sub-Buckets

$650K funds the Consortium Law core — three sub-buckets.

$650K is the kick-off capital for 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). The SBA $250K seed is standalone Bucket 4; ThinkBuildGrow.ai $100K is standalone Bucket 5; the NewCo Green HVAC $100K seed is standalone Bucket 6 — all three operate outside the Law cash-cycle.

BUCKET 3 · SOURCE Consortium Law · Legal Vertical Core $650,000 SUB-BUCKET A Greg E. “Case Cash” 3rd-party case funding quick-turnaround tape recycled via secured note from Greg $250,000 SUB-BUCKET B MVA Seed brings in 50 MVA cases into the V3 Day Law lane same secured-note recycle mechanic with Greg on quick-turn $125,000 SUB-BUCKET C Vertical Stand-Up Runway V1 LAD build runway Day Law stand-up costs Marketing JV stand-up cash-lag operating buffer $275,000 $250K + $125K + $275K = $650,000
capital deployment
Bucket 3a · The Greg Give-and-Go · Recycle Mechanic

05 — The Recycle Mechanic — How $250K Works Twice

$250K funds a third-party tape — Greg E. lends $250K back, secured.

Consortium deploys $250K 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: Consortium funds the 50-case MVA tape, Greg secures-notes the principal back.

STEP 1 · CONSORTIUM Consortium Law deploys $250K $250,000 funds STEP 2 · CASE TAPE 3rd-Party Case Tape quick-turnaround cases funded by Consortium face value > $250K collateral for STEP 3 · THE LENDER Greg E. recycles principal + profit $250K + Greg’s carry STEP 4 · $250K SECURED NOTE BACK TO CONSORTIUM collateralized by face value of the case tape Consortium just funded NET RESULT Consortium keeps tape upside + $250K redeployable Greg holds secured paper $250K works twice
capital deployment secured-note recycle (Greg → Consortium)

Same mechanic on Bucket 3b ($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.

Bucket 3b · Law-Vertical Steady-State

06 — What the $650K Builds Toward

The $650K core funds a $2.12M / month engine.

The $650K core 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.

# 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 — Bucket 4 SBA Boomerang · Bucket 5 ThinkBuildGrow.ai

$250K SBA boomerangs back — $100K seeds the in-house tech firm.

Bucket 4 · SBA Boomerang

$250K seeds an SBA business purchase — financing boomerangs principal back.

$250K of the cash-out underwrites the down position on an SBA-financed business purchase. The structure: Consortium puts $250K 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 Bucket 3a. 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.

CONSORTIUM $250K down seed position SBA FINANCING covers the gap on a $1M business INCOME ASSET $1M business 25-30%/yr face value SBA give-and-go: $250K principal boomerangs back ~$25K/mo gross
Bucket 5 · ThinkBuildGrow.ai

$100K seed into the in-house tech firm.

ThinkBuildGrow.ai is our in-house technology firm. The $100K allocation seeds 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 allocations in the disbursement (tied with Bucket 6 HVAC) — deck shows TBD on the Slide 03 revenue row until Joe supplies the rate.

Standalone Allocation

$100,000

into ThinkBuildGrow.ai — in-house tech firm. Returns reinvested into platform build. Monthly profit rate: TBD per Joe.

Honest read. Bucket 5 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. Bucket 6 NewCo Green HVAC (next slide) is the operating-yield counterpart at the same dollar count.

Bucket 6 · NewCo Green HVAC Seed · Operating Yield

08 — $100K Seed into NewCo Green · 40 Installs/wk → $152K/mo

$100K seeds NewCo Green HVAC — $152K/mo at 40 installs/wk.

$100K of the cash-out seeds 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 buckets backed by an operating business as opposed to a financial position.

STEP 1 · SEED Consortium seeds NewCo Green $100,000 STEP 2 · OPERATING CO NewCo Green LLC Decarbonization Initiative · customer sourcing · marketing & admin · fulfillment ops · proxy QC reporting PARTNERS: licensed HVAC trade + leasing / finance STEP 3a · TRADE PARTNER Licensed HVAC Contractor license · technical authority regulated-trade authority STEP 3b · LEASING / FINANCE Finance Partner 100% financing for approved customers where applicable UNIT FLOW 40 installs per week Joe-supplied REVENUE $38K/wk net × 4 $152K per mo $1.824M/yr UNIT MATH (JOE-SUPPLIED, NOT THIRD-PARTY DILIGENCED) 40 installed units / week · $38,000 net income / week · × 4 weeks = $152,000 / month · $1,824,000 / year
seed capital & revenue flow

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 — The Roll-up — Every Dollar of the $2M · Every Revenue Cell

Every dollar accounted for — and what each dollar produces.

Six buckets, six revenue cells. AUM’s output is offset against DSCR + carry (net zero into the holding-co). The Law Vertical’s steady-state contribution is the Consortium share post-ABS — cash through the door behind a 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.

# Bucket Capital Revenue rate Monthly @ steady state
B1 Alternative Investments $400,000 15% gross / mo $60,000
B2 AUM Platform $500,000 7% / mo (covers DSCR + carry) $35,000
B3 Consortium Law Legal Vertical Core $650,000 V1 + V2 + V3 steady state $2,122,500
B4 SBA Boomerang ($1M biz on $250K seed) $250,000 ~10% face value / mo ~$25,000
B5 ThinkBuildGrow.ai $100,000 TBD per Joe TBD
B6 NewCo Green HVAC Seed $100,000 40 installs/wk · $38K net/wk × 4 (Joe-supplied) $152,000
  Total disbursement $2,000,000 six buckets · six revenue cells ~$2.39M+ / mo

Critical timing caveats

B2 (AUM) goes live in month one — the DSCR loan starts servicing itself from the first monthly payment.

B3 (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).

B1 (Alt Investments) — per-program yield TBD by Joe; basket sits on the holding-co balance sheet independent of the law cycle.

B4 (SBA Boomerang) — revenue ramps with the business’ operational tempo; principal boomerang depends on SBA closing timeline.

B5 (ThinkBuildGrow.ai) — monthly profit rate TBD per Joe; deck shows the allocation but the revenue cell is left honest until the rate is supplied.

B6 (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.

10 — Priority — First 90 Days

AUM first · Greg + MVA second · SBA + LAD third · Alt + TBG + HVAC fourth.

Disciplined ease-times-leverage ordering. AUM kicks first because it self-services the DSCR loan that produced the capital. Greg give-and-go and MVA seed kick second because they put principal to work twice (recycle mechanic) while the Law Vertical’s cash-cycle compounds in the background. SBA close + LAD onboarding kick third because they have closing timelines tied to external counterparties. Alt Investments + TBG + NewCo Green HVAC kick fourth — the Alt basket and the TBG seed are Joe-side underwriting calls that don’t gate on external counterparties; the HVAC seed gates on confirming the licensed contractor and finance partner before deploy.

01
Wire $500K to the AUM platform — close the DSCR-coverage loop in month one The $2M cash-out comes with a $33K/month debt-service obligation. The AUM bucket must be in place before the first DSCR payment lands. $500K × 7% = $35K monthly output — the DSCR services itself and the director-asset carry on 818 N 46th and 24–36 Dempsey gets the ~$2K cushion.
$0 net dragon the $2M DSCR loan
Ease: HIGH
02
Document Greg “Case Cash” recycle · deploy $250K + $125K MVA seed Structure the secured-note give-and-go with Robert: $250K funds the third-party case tape, Greg notes-back $250K secured by the tape’s face value. Same mechanic on $125K MVA. Net: $375K of principal works twice while Consortium holds the upside on both tapes. Pre-condition for V3 Day Law pipeline.
$375K works twicerecycled principal redeployable
Ease: MEDIUM
03
Close $250K SBA boomerang · start LAD SaaS onboarding Underwrite + close the SBA business-purchase position ($250K down on a ~$1M business). Confirm SBA financing structure that gives the $250K principal back via the give-and-go. Simultaneously kick LAD SaaS onboarding at 2 firms/month from August 2026 toward the $60K MRR target by Q1 2027 — first true Law-Vertical cash through the door.
$250K boomerang + $60K MRRAug 2026 → Q1 2027
Ease: MEDIUM
04
Allocate $400K Alt Investments · seed $100K ThinkBuildGrow.ai · seed $100K NewCo Green HVAC Allocate Bucket 1 across the three named alt-investment programs (car finance / warranty / Dealer Plan Correction) on Joe’s underwriting at the 15%/mo gross hurdle. Seed Bucket 5 into ThinkBuildGrow.ai for the in-house tech build. Seed Bucket 6 into NewCo Green HVAC at $100K — 40 installs/wk target throws off $152K/mo at the Joe-supplied unit economics; closes the disbursement of the full $2M. Joe to supply the TBG monthly profit-rate assumption for the next deck iteration; licensed HVAC contractor + finance partner papered before HVAC seed deploys.
$400K + $100K + $100Kfull disbursement closed
Ease: HIGH (HVAC gated on partners)
 
All four priorities executable inside 90 days from DSCR closing. AUM live in month one; Greg structure + MVA seed in month two; SBA close + LAD onboarding kick-off in month three; Alt Investments + TBG seed + NewCo Green HVAC seed close out the disbursement. The full $2M is deployed before the first DSCR payment is more than one cycle old — and the cash-flow architecture (AUM → DSCR) means the loan never runs as a drag on the rest of the capital stack.