How It Works

PATENT PENDING

When the home sells, the family will keep 75% of their net recovered equity minus the total amount paid by the investor to cover mortgage payments. The investor will get back 100% of the money that they pay to cover said mortgage payments plus 15% of the net recovered equity minus what they paid to cover the mortgage payments. PLC will retain 10% of the net equity minus the mortgage payments paid by the investor.Example:

$115,000 net equity salvaged from the sale of the home.
$15,000 in mortgage payments paid by the investor.

The investor will receive: $30,000

PLC will receive: $10,000

The family will receive:$75,000

PLC will use its ongoing proceeds to invest in homes on the very brink of foreclosure that has yet to be chosen as an investment by an individual investor as PLC believes in helping as many families as possible. PLC will get back optimally 100% of the money that PLC pays to cover said mortgage payments plus 25% of the net recovered equity minus what PLC paid to cover mortgage payments.Example:

$115,000 net equity salvaged from the sale of the home.
$15,000 in mortgage payments paid by PLC.

PLC will receive: $40,000

The family will receive: $75,000

To ensure very little lapse in funding to cover mortgage payments, in the event that an individual investor can no longer cover mortgage payments, the home will be relisted as an investment for individual investors. The original investor will lose all money invested and the new investor taking overpayments will thus receive all of the money invested by the original investor to cover mortgage payments as well as 100% of the money that they pay to cover said mortgage payments plus 15% of the net recovered equity minus total paid to cover the mortgage payments. PLC will retain 10% of the net equity minus the mortgage payments paid by the investors.Example:

$115,000 net equity salvaged from the sale of the home.
$14,000 in mortgage payments paid by the original investor.
$1,000 in mortgage payments paid by the new investor.

The original investor will receive: $0

The new investor with only $1,000 invested will receive: $30,000

PLC will receive: $10,000

The family will receive: $75,000

For now, we must keep business simple but we want to make it possible for investors to relist their investments with a competitive offer to entice someone to take it over if they wish to get out of the investment and not lose their entire investment.

We also want to make micro-investing (such as four investments per home) available so that an average person will be able to invest and help more families in need. Just as an investor can invest in several homes to diversify their PLC investment portfolio to mitigate risks, we also believe multiple micro-investments may be used by investors as a more affordable means to diversify their PLC investment portfolio as well.

This innovative system of equity salvage and redistribution creates the best possible scenario for everyone as a whole – homeowners, property owners, financial institutions, realtors, investors, and the American economy. We believe that everyone will do better through everyone doing well as opposed to just some doing well.

We also believe that our concept could and should eventually be used worldwide so that the whole world may benefit from the PLC system of home equity salvage and recovery.