North Star Group, Inc.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
White Paper: North Star Group, Inc.
1. Executive Summary
EXECUTIVE SUMMARY: SERENITY VILLAGE
Serenity Village is the working name of our affordable housing development model. After two
years of research and development, we have created a systematic approach to building
high-quality, sustainable communities that can be implemented in various markets as "Serenity
Village at Mobile," "Serenity Village at Detroit,"¹ "Serenity Village at Palestine,"² and in rural New
England.³
Intellectual Property
We have developed significant intellectual property with two provisional patents filed and more
planned:
Panelized system for renovating pre-existing buildings⁴
New construction multi-story building methods⁵
Our "13 Pillars" approach - a unique combination of resident benefits⁶
Construction Innovation
Our construction methods utilize Structural Insulated Panels (SIPs)⁷, a well-established building
technology with decades of proven performance since the post-WWII era. This approach offers
inherent advantages:
More efficient construction timeframes compared to traditional methods
Excellent insulation performance (structures capable of withstanding up to 180 mph winds)
Serenity Village Housing Model
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1
Smart home technology integration⁹
In certain applications, low-amperage electrical systems (40 amps per unit) with
load-shedding capabilities¹⁰
Our proprietary Fully Integrated Reinforced Modular (FIRM) system⁸ enhances the standard SIP
methodology with targeted improvements while maintaining compatibility with existing
manufacturing infrastructure across the USA.
Market Development Status
We have completed various levels of pre-development work in selected markets:
Mobile, Alabama: Proposal submitted and under consideration by executive committee¹¹
Palestine, Texas: Feasibility study completed by our partner with holistic community
development approach¹²
Detroit, Michigan: School renovation opportunity identified and assessed with
mixed-income and fully affordable scenarios¹³
New England: Market assessment with potential site identification in Belchertown,
Townsend, and Templeton, Massachusetts¹⁴
Chicago: Initial market research underway
Financial Approach
Our financing strategy seeks to reduce recourse and equity requirements through:
Using municipal land assets as equity contribution¹⁵
HUD 221(d)(4) loan structures where applicable¹⁶
Private activity bonds with sunset provisions on recourse¹⁷
Project-based voucher programs for stable cash flow¹⁸
Resident Benefits
The Serenity Village model delivers tangible quality-of-life improvements:
Healthier living environments with circadian lighting and negative ionization¹⁹
Lower utility costs through efficient building envelope and systems²⁰
Food security through community gardens with rainwater harvesting²¹
On-site childcare and after-school programs²²
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
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2
Built-in broadband internet access²³
Community center facilities (Porchlight Community Center)²⁴
Value to Investment Partners
This initiative offers this profit opportunity:
Substantial equity position in multiple projects with minimal recourse exposure²⁵
Recovery of pre-development expenses through project proceeds²⁶
Scalable revenue model duplicatable across numerous markets nationwide²⁷
Portfolio diversification through both for-sale and for-rent properties²⁸
Additional advantages include:
Community reinvestment opportunities in underserved markets²
Enhanced regulatory compliance position³⁰
Positive public relations through affordable housing support³¹
Team Assets
North Star Group has assembled an experienced team to execute this model:
Relationship with manufacturing facility in Mobile, Alabama³²
Two provisional patents with additional IP in development³³
Established connections with municipal housing authorities³⁴
Comprehensive technical specifications and financial modeling³⁵
Partnership Structure
We propose a strategic partnership structured around specific funding needs to accelerate
market entry and development:
Initial seed funding of approximately $100,000 to enable market entry efforts across 10
targeted markets ($10,000 per market)³⁶
Pre-development funding for selected markets where deals have been identified and
validated³⁷
Recovery of pre-development expenses at loan closing, providing short-term returns on
invested capital³⁸
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
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3
Phased implementation approach to manage risk while maximizing geographic reach⁸⁵
The Serenity Village @ 3 Mile Creek project in Mobile demonstrates the financial viability of our
model:
$16.3M non recourse primary loan with 40-year amortization
$2.39M in additional funding sources from land and deferred development fees
$1.29M annual net operating income
1.159 debt service coverage ratio
100% project-based Section 8 vouchers (including FYI & VA vouchers)⁸⁵
This partnership structure provides substantial benefits to investment partners:
Ownership stake in non-recourse projects
Priority payback structure
Ongoing servicing fees
Balance sheet improvements through strategic deployment of development funds
Enhanced cash flow from both short and long-term investments
Our team is prepared to provide detailed information to support your evaluation of this
opportunity. With significant momentum already established in markets such as Mobile, Alabama,
we are positioned to rapidly deploy funding for immediate impact.
2. Introduction: Purpose-Driven Vision
Driven by personal motivation and a legacy-oriented mission to address systemic poverty,
Serenity Village offers transformative housing solutions designed to uplift communities through
thoughtful design and innovation.³⁹ Our approach recognizes that poverty is not merely about
financial limitations but encompasses daily compromises on necessities that many take for
granted. We aim to break these cycles through housing that addresses fundamental human
needs and creates pathways for dignity and self-sufficiency.⁴⁰
3. Innovative Building Approach: Serenity Village Model
Structural Insulated Panels (SIPs)
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
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4
Patented Fully Integrated Reinforced Modular (FIRM) SIP system eliminating secondary
framing⁴¹
Embedded horizontal joists simplifying construction and reducing costs⁴²
Metal-faced construction provides exceptional durability and resistance to extreme
weather conditions
Component-Based System
Methodical selection based on cost-efficiency, ease of use, and sustainability⁴³
Examples include convection ovens (energy efficiency), pocket doors (space-saving), and
smart AI systems (optimized energy management)⁴⁴
Prefabrication enables significantly faster construction timeframes compared to traditional
methods
Centralized Utility Nexus
Efficient, centralized integration of electrical, plumbing, and HVAC systems⁴⁵
Facilitates unique features like negative ionization for air purification⁴⁶
Reduces maintenance costs and simplifies future repairs or modifications
13 Pillars Overview
Circadian lighting and negative ionization for improved health⁴⁷
Sustainable rain gardens for stormwater management and food production⁴⁸
Inclusive utilities including built-in internet access⁴⁹
Essential communal resources (daycare, shared tools, etc.)⁵⁰
4. Economic Feasibility & Financial Innovation
Leveraging municipal land equity and HUD 221(d)(4) loans⁵¹
Project-based voucher programs optimizing cash flow⁵²
Opportunity Zone funding and structured municipal exit strategies⁵³
Pre-development funding partnerships with phased implementation approach
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
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5
5. Tailored Development and Integration Strategy
Adaptable to diverse urban, suburban, or rural environments⁵⁴
Site-specific analyses ensuring strategic and effective integration⁵⁵
Application of transport-oriented development principles for enhanced accessibility⁵⁶
Community-centered design prioritizing resident needs and local context
6. Development and Component Selection Process
Each Serenity Village development undergoes a rigorous process:
Initial modeling using SketchUp to determine optimal spatial layouts⁵⁷
Component selection emphasizing ease of maintenance, longevity, cost, and resident
convenience (e.g., horizontal sliding windows, blackout curtains, dual master suites,
custom 24-volt lighting systems)⁵⁸
Detailed evaluation and integration of essential systems (plumbing, electrical, mechanical,
sustainable materials like stucco paint)⁵⁹
Cost-quality balance maintained throughout all decisions⁶⁰
7. Patented Innovation Protection
Fully Integrated Reinforced Modular (FIRM) SIP system (Provisional Patent)
Patent-pending construction system that eliminates secondary framing⁶¹
Embedded joists and centralized utility chases significantly reducing material and labor
costs⁶²
Enables rapid assembly with reduced skilled labor requirements
Integrated Sustainable Housing System (Provisional Patent)
Holistic approach to resource management and community development (U.S. Provisional
Patent Application No. 63/767,801)⁶³
Coordinated resource management and community development approach⁶⁴
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
______________________________________________
6
Importance of patents in safeguarding innovation and ensuring exclusive application⁶⁵
8. Social Impact: Real Change, Tangible Benefits
Direct transition from insecurity (food, energy, internet) to stable, secure living conditions⁶⁶
Measurable improvements in community health, safety, and overall well-being⁶⁷
Breaking cycles of poverty through literacy, economic mobility, and community support
structures⁶⁸
9. Advanced Analytical Tools and Systems
IRR and Proforma calculators enabling accurate financial projections and investment
assessments⁶⁹
Extensive, transparent documentation library providing clarity and confidence for
stakeholders⁷⁰
Market-specific analyses for tailored implementation strategies⁷¹
10. Investment and Collaboration Benefits
Standard profit margins with significant social impact⁷²
Proven, patented technology offering unique competitive advantages⁷³
Scalable model adaptable to various market conditions and housing needs
11. Conclusion: Legacy and Transformation
Serenity Village represents a profound opportunity to transform communities, deliver significant
returns, and create lasting social impact. We invite you to partner with us on this exciting
journey.⁷⁴ Through our innovative construction methods, community-centered design principles,
and sustainable approach, we aim to address systemic housing challenges while creating
dignified living environments that enable residents to thrive.
12. Team Leadership and Expertise
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
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7
Our team brings diverse expertise in housing development, construction technology, and
community planning:
Michael Hoffman
Experienced real estate developer with a background in software development and patented
innovations. Over the past year, focused on affordable housing solutions.
Tom Dowling
CEO and Owner of Supreme Insulated Panel Systems in Mobile, AL. Provides critical
manufacturing expertise for our SIP-based construction system.
Kevin Harrison
Over 30 years of experience as a transportation planner, oversees Sain's Mobile branch office.
Contributes valuable insights to site selection and transit-oriented development planning.
J.J Smith
Housing development specialist with over 15 years of experience in sustainable construction and
affordable housing initiatives. Focus on innovative building technologies and
community-centered design.
Don Maxwell
Stewardship professional with expertise in resource management and development. Ensures
sustainable implementation of our community-centered housing solutions.
13. Appendices
A. Detailed Financial Analyses⁷⁵
B. Technical Specifications of SIPs and Components
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
______________________________________________
8
Comprehensive description of SIP construction methods⁷⁶
Component specifications, cost-benefit analyses⁷⁷
C. Patent Drawings and Descriptions
Illustrations and detailed explanations of the patented FIRM SIP system⁷⁸
Integrated Sustainable Housing System patent descriptions, including community
resource integration and coordinated management strategies⁷⁹
D. Market-Specific Development Plans
Serenity Village at Palestine: Holistic Community Development Project⁸⁰
Detroit Apartments Redevelopment Analysis⁸¹
Rural New England Site Assessments⁸²
E. Community Integration Strategies
Porchlight Community Center Implementation Guide⁸³
Literacy and Economic Mobility Framework⁸⁴
References
¹ White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
² Serenity Village at Palestine: Holistic Community Development Project (2025-04-11)
³ Serenity Village Site Candidates in Rural New England (2025-04-16)
White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
RFP Structural Engineering Services for Modular Affordable Housing Quadruplex (2025-03-24)
Better Air, Light & Sound (2025-03-22)
SIPs Explainer (2025-03-22)
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© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
______________________________________________
9
White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
Apartment Energy Plan (2025-03-22)
¹⁰ Apartment Energy Plan (2025-03-22)
¹¹ Serenity Village Deck (2025-03-26)
¹² Serenity Village at Palestine: Holistic Community Development Project (2025-04-11)
¹³ Detroit Apartments Report: Redevelopment Feasibility (2025-04-14)
¹⁴ Serenity Village Site Candidates in Rural New England (2025-04-16)
¹⁵ Business Structure and Entity Formation for Development Projects (2025-04-02)
¹⁶ Innovative Public Housing Partnership (2025-04-04)
¹⁷ Recourse Liability in Private Activity Bond Financing (2025-03-22)
¹⁸ Innovative Public Housing Partnership (2025-04-04)
¹⁹ Better Air, Light & Sound (2025-03-22)
²⁰ Apartment Energy Plan (2025-03-22)
²¹ Rain Gardens (2025-03-22)
²² 1_Fully_Integrated_Quadruplex_Modular_Housing__Resilient_Power_System_Proposal
(2025-04-02)
²³ Broadband Overview (2025-03-22)
²⁴ Why Exceptional Value Matters and How It Ties to the Porchlight Community Center
(2025-04-11)
²⁵ Business Structure and Entity Formation for Development Projects (2025-04-02)
²⁶ Pre-Development Funding Partner Structure (2025-04-03)
________________________________________________
© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
______________________________________________
10
²⁷ Business Structure and Entity Formation for Development Projects (2025-04-02)
²⁸ Business Structure and Entity Formation for Development Projects (2025-04-02)
²⁹ Breaking the Cycle: Literacy, Economic Mobility, and the Case for Serenity Village in Palestine,
TX (2025-04-10)
³⁰ Business Structure and Entity Formation for Development Projects (2025-04-02)
³¹ Why Exceptional Value Matters and How It Ties to the Porchlight Community Center
(2025-04-11)
³² White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
³³ White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
³⁴ Innovative Public Housing Partnership (2025-04-04)
³⁵ Pre-Development Funding Partner Structure (2025-04-03)
³⁶ Pre-Development Funding Partner Structure (2025-04-03)
³⁷ Pre-Development Funding Partner Structure (2025-04-03)
³⁸ Business Structure and Entity Formation for Development Projects (2025-04-02)
³⁹ Breaking the Cycle: Literacy, Economic Mobility, and the Case for Serenity Village in Palestine,
TX (2025-04-10)
⁴⁰ Breaking the Cycle: Literacy, Economic Mobility, and the Case for Serenity Village in Palestine,
TX (2025-04-10)
⁴¹ White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
⁴² Joist Report (2025-03-22)
⁴³ Component Report (2025-03-22)
⁴⁴ Apartment Energy Plan (2025-03-22)
________________________________________________
© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
______________________________________________
11
⁴⁵ White Paper: Central Chase (2025-03-22)
⁴⁶ Better Air, Light & Sound (2025-03-22)
⁴⁷ Better Air, Light & Sound (2025-03-22)
⁴⁸ Rain Gardens (2025-03-22)
⁴⁹ Broadband Overview (2025-03-22)
⁵⁰ Fully Integrated Quadruplex Modular Housing & Resilient Power System Proposal (2025-04-02)
⁵¹ Recourse Liability in Private Activity Bond Financing (2025-03-22)
⁵² Innovative Public Housing Partnership (2025-04-04)
⁵³ Business Structure and Entity Formation for Development Projects (2025-04-02)
⁵⁴ RFP Structural Engineering Services for Modular Affordable Housing Quadruplex (2025-03-24)
⁵⁵ Foundation Structure Report (2025-03-22)
⁵⁶ Transit-Oriented Development (2025-03-22)
⁵⁷ Serenity Village Deck (2025-03-26)
⁵⁸ Component Report (2025-03-22)
⁵⁹ Making Electrical (2025-03-22)
⁶⁰ Cost White Paper Explainer (2025-03-22)
⁶¹ White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
⁶² Joist Report (2025-03-22)
⁶³ Integrated Sustainable Housing System (2025-04-08)
⁶⁴ Emergency System Explainer (2025-03-22)
________________________________________________
© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
______________________________________________
12
⁶⁵ White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
⁶⁶ Apartment Energy Plan (2025-03-22)
⁶⁷ Better Air, Light & Sound (2025-03-22)
⁶⁸ Breaking the Cycle: Literacy, Economic Mobility, and the Case for Serenity Village in Palestine,
TX (2025-04-10)
⁶⁹ Pre-Development Funding Partner Structure (2025-04-03)
⁷⁰ Business Structure and Entity Formation for Development Projects (2025-04-02)
⁷¹ Detroit Apartments Report: Redevelopment Feasibility (2025-04-14)
⁷² Cost White Paper Explainer (2025-03-22)
⁷³ White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
⁷⁴ Innovative Public Housing Partnership (2025-04-04)
⁷⁵ Funding Opportunities for Modular Housing and Decentralized Energy in Ukraine (2025-03-24)
⁷⁶ SIPs Explainer (2025-03-22)
⁷⁷ Component Report (2025-03-22)
⁷⁸ White Paper: Fully Integrated Reinforced Modular SIP System (FIRM) (2025-03-22)
⁷⁹ Integrated Sustainable Housing System (2025-04-08)
⁸⁰ Serenity Village at Palestine: Holistic Community Development Project (2025-04-11)
⁸¹ Detroit Apartments Report: Redevelopment Feasibility (2025-04-14)
⁸² Serenity Village Site Candidates in Rural New England (2025-04-16)
⁸³ Why Exceptional Value Matters and How It Ties to the Porchlight Community Center
(2025-04-11)
________________________________________________
© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com
Serenity Village Housing Model
______________________________________________
13
⁸⁴ Breaking the Cycle: Literacy, Economic Mobility, and the Case for Serenity Village in Palestine,
TX (2025-04-10)
⁸⁵ AGM Serenity Village Term Sheet (2025-04-10)
© North Star Group, Inc. 2025 All rights reserved. 19901 Quail Circle Fairhope AL 36532
701-770-9118 michaelh@nsgia.com
________________________________________________
© North Star Group, Inc. 2025 All rights reserved.
19901 Quail Circle
Fairhope AL 36532
701-770-9118
michaelh@nsgia.com