Do you have trouble in obtaining a conventional

mortgage to buy a home or any trouble in selling

your existing home when potential buyers could

not qualify for a mortgage to buy your home?

InvestorsAlly could help you buy a home using the new equity sharing method and/or help you sell your house much quicker because InvestorsAlly could help other potential buyers obtain both conventional mortgages at low mortgage rates when they have good credit, and if not, help them try the new alternative equity sharing method of FARJHOSM. The distinguishing features of FARJHO

SM as a new business method to implement the equity sharing concept are three-fold:

First, FARJHOSM

allows renter/home occupier and joint property investors to own only one home at a time in order to maintain the

sanctity and the freedom of the single family residence ownership. This is in sharp contrast to many community oriented equity

sharing methods of Co-ops, Land Trusts, Kibbutz or Commune types of older equity sharing methods.

Second, as a brand new concept, FARJHOSM

only allows member level debt financing to eliminate the foreclosure possibility

which exists with conventional property level debt financing as commonly used by a Shared Equity Mortgage (SEM), a Shared

Appreciation Mortgage (SAM), a Shared Ownership Mortgage (SOM) or any other existing equity sharing schemes to date. In all

those older business methods, the home occupiers could still get foreclosed whenever they lose their monthly income capability

under those old property level financing arrangements.

Third, FARJHOSM

provides a natural built-in buffer to conventional renting to avoid potential eviction when the tenants temporarily

lose their monthly income capability. The equity stake of the renter/co-owner of the FARJHOSM

structure could act as an optional

voluntary collateral against missed monthly rent payments and therefore provides property investors with enhanced investment

security through less credit risks and at the same time provides the tenants/co-owners with more home occupying stability during

the rainy days in their working lives.

1-888-456-8881 x 888 http://www.InvestorsAlly.com info@investorsally.com

Application Example of An Arbitrage Investment Opportunity Using the New FARJHOSM Home Ownership Structure

Do you want to put your idle home equity to work so that you could earn more appreciation potential? Would you be interested in helping other less affluent residents to partially co-own homes in California? You could use your excess home equity to co-own homes with a tenant/partial home co-owner in a new home ownership structure called FARJHO

SM – Flexible And Reversible Joint Home Ownership. Here is a short analysis for a home of an

appraised value of $2,000,000. The amount of cash out re-finance is assumed to be $1,000,000 for illustration simplicity purpose as an example. Before After Current Home Fair Market Value $ 2,000,000 $ 2,000,000 Re-Investments in Other FARJHO

SM Transactions __________ $ 1,000,000

Equivalent Home Equity for Potential Appreciation $ 2,000,000 $ 3,000,000 What about the carry, i.e. netted monthly cash flows between expense and income under the FARJHO

SM transaction?

• A financial arbitrage currently exists as the mortgage rates are still being artificially kept very low. • Between the current long term fixed rate borrowing cost (e.g. 3% - 4% for a 15-year or 30-year fixed rate mortgage) and

the current market rental yield (e.g. 7% - 12%) there exists a net positive carry of 1% - 5% annually after deducting all taxes, fees and insurance cost in favor of the arbitrageurs under a typical FARJHO

SM transaction.

• The cost of the monthly mortgage payments will remain the same for the next 15 or 30 years but the income from monthly rental receipts will adjust every two or three years and would most likely to go even higher in the current trend.

• The arbitrageurs who take out the cash-out re-finance now could enjoy not only the potential long-term price appreciation from much expanded home equity, they will also receive a check as additional current income every month.

• The current low fixed mortgage rates may not last forever. A change will be coming and it would be wise to lock it in now. The free enterprise capitalism based new home ownership structure FARJHO

SM could let pure profit-driven real estate investors

help other aspiring home owners partially co-own homes through the equity sharing concept without the imprudent use of any debt. FARJHO

SM was created back in 2009 as a fair and equitable business method to address the free market needs of both

joint property investors and aspiring home owners. Through FARJHOSM

, foreclosure will no longer be a possibility going forward. It will help restore our national economic prosperity, foster the steady growth of our country's housing industry as well as promote the on-going neighborhood stability and social harmony in local communities throughout our country!

InvestorsAlly, Inc. dba: InvestorsAlly Realty (CA DRE #01523183) dba: InvestorsAlly Home Loans (NMLS #397242) 23 Corporate Plaza Drive, Suite 133 Newport Beach, CA 92660-7912

*************ECRWSS*****

Local

Postal Customer

FARJHOSM (Flexible And Reversible

Joint Home Ownership) - A new form of home co-ownership based on the

old equity sharing concept

- No more foreclosure possibility

1-888-456-8881 x 888

http://www.InvestorsAlly.com

info@investorsally.com