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

North Star Group integrates patented construction methods, carefully selected building

components, and innovative systems to deliver aﬀordable, sustainable, and high-quality housing.¹

This approach signiﬁcantly reduces costs, optimizes resource eﬃciency, and enhances resident

well-being.²

¹ https://modular.nsgia.com/document/1_Serenity_VillageDeck.html

² https://modular.nsgia.com/document/BetterAir_Light_Sound.html

2. Introduction: Purpose-Driven Vision

Driven by personal motivation and a legacy-oriented mission to provide housing,¹ North Star

Group oﬀers transformative housing solutions designed to uplift communities through thoughtful

design and innovation.²

¹ https://modular.nsgia.com/document/Innovative_Public_Housing_Partnership.html

² https://modular.nsgia.com/document/1_Serenity_VillageDeck.html

3. Innovative Building Approach: Serenity Village Model

Structural Insulated Panels (SIPs)

White Paper North Star Group, Inc.

● Patented Fully Integrated Reinforced Modular (FIRM) SIP system eliminating secondary

framing¹

● Embedded horizontal joists simplifying construction and reducing costs²

Component-Based System

● Methodical selection based on cost-eﬃciency, ease of use, and sustainability³

● Examples include convection ovens (energy eﬃciency), pocket doors (space-saving), and

smart AI systems (optimized energy management)⁴

Centralized Utility Nexus

● Eﬃcient, centralized integration of electrical, plumbing, and HVAC systems⁵

● Facilitates unique features like negative ionization for air puriﬁcation⁶

13 Pillars Overview

● Circadian lighting and negative ionization for improved health⁷

● Sustainable rain gardens for stormwater management and food production⁸

● Inclusive utilities including built-in internet access⁹

● Essential communal resources (daycare, shared tools, etc.)¹⁰

¹ https://modular.nsgia.com/document/White_Paper_Fully_Integrated_Reinforced_Modular_SIP_System_FIRM.html

² https://modular.nsgia.com/document/Joist_Report.html ³ https://modular.nsgia.com/document/component_report.html

⁴ https://modular.nsgia.com/document/apartmentEnergyPlan.html ⁵ https://modular.nsgia.com/document/White_Paper_Central_Chase.html

⁶ https://modular.nsgia.com/document/BetterAir_Light_Sound.html ⁷ https://modular.nsgia.com/document/BetterAir_Light_Sound.html

⁸ https://modular.nsgia.com/document/RAIN_GARDENS.html

⁹ https://modular.nsgia.com/document/BroadbandOverview.html

¹⁰ https://modular.nsgia.com/document/1_Fully_Integrated_Quadruplex_Modular_Housing__Resilient_Power_System_Proposal.html

4. Economic Feasibility & Financial Innovation

● Leveraging municipal land equity and HUD 221(d)(4) loans¹

● Project-based voucher programs optimizing cash ﬂow²

● Opportunity Zone funding and structured municipal exit strategies³

________________________________________________

19901 Quail Circle

Fairhope AL 36532

701-770-9118

michaelh@nsgia.com

White Paper North Star Group, Inc.

¹ https://modular.nsgia.com/document/RecourseLiabilityinPrivateActivityBondFinancing.html

² https://modular.nsgia.com/document/Innovative_Public_Housing_Partnership.html

³ https://modular.nsgia.com/document/1Business_Structure_and_Entity_Formation_for_Development_Projects.html

5. Tailored Development and Integration Strategy

● Adaptable to diverse urban, suburban, or rural environments¹

● Site-speciﬁc analyses ensuring strategic and eﬀective integration²

● Application of transport-oriented development principles for enhanced accessibility³

¹ https://modular.nsgia.com/document/RFP_Structural_Engineering_Services_for_Modular_Aﬀordable_Housing_Quadruplex_Kiev_Ukraine.html

² https://modular.nsgia.com/document/Foundation_Structure_Report.html ³ https://modular.nsgia.com/document/TOD.html

6. Development and Component Selection Process

Each Serenity Village development undergoes a rigorous process:

● Initial modeling using SketchUp to determine optimal spatial layouts¹

● 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)²

● Detailed evaluation and integration of essential systems (plumbing, electrical, mechanical,

sustainable materials like stucco paint)³

● Cost-quality balance maintained throughout all decisions⁴

¹ https://modular.nsgia.com/document/1_Serenity_VillageDeck.html ² https://modular.nsgia.com/document/component_report.html

³ https://modular.nsgia.com/document/Making_electrical.html ⁴ https://modular.nsgia.com/document/Cost_WhitePaper_Explainer.html

7. Patented Innovation Protection

● Fully Integrated Reinforced Modular (FIRM) SIP system (Provisional Patent)¹

● Embedded joists and centralized utility chases signiﬁcantly reducing material and labor

costs²

● Integrated Sustainable Housing System (Provisional Patent)³

________________________________________________

19901 Quail Circle

Fairhope AL 36532

701-770-9118

michaelh@nsgia.com

White Paper North Star Group, Inc.

● Coordinated resource management and community development approach⁴

● Importance of patents in safeguarding innovation and ensuring exclusive application⁵

¹ https://modular.nsgia.com/document/White_Paper_Fully_Integrated_Reinforced_Modular_SIP_System_FIRM.html

² https://modular.nsgia.com/document/Joist_Report.html

³ https://modular.nsgia.com/document/1_Fully_Integrated_Quadruplex_Modular_Housing__Resilient_Power_System_Proposal.html

⁴ https://modular.nsgia.com/document/Emergency%20SystemExplainer.html

⁵ https://modular.nsgia.com/document/White_Paper_Fully_Integrated_Reinforced_Modular_SIP_System_FIRM.html

8. Social Impact: Real Change, Tangible Beneﬁts

● Direct transition from insecurity (food, energy, internet) to stable, secure living conditions¹

● Measurable improvements in community health, safety, and overall well-being²

¹ https://modular.nsgia.com/document/apartmentEnergyPlan.html

² https://modular.nsgia.com/document/BetterAir_Light_Sound.html

9. Advanced Analytical Tools and Systems

● IRR and Proforma calculators enabling accurate ﬁnancial projections and investment

assessments¹

● Extensive, transparent documentation library providing clarity and conﬁdence for

stakeholders²

¹ https://modular.nsgia.com/document/Pre-Development_Funding_Partner_Structure.html

² https://modular.nsgia.com/document/1Business_Structure_and_Entity_Formation_for_Development_Projects.html

10. Investment and Collaboration Beneﬁts

● Standard proﬁt margins with signiﬁcant social impact¹

● Proven, patented technology oﬀering unique competitive advantages²

________________________________________________

19901 Quail Circle

Fairhope AL 36532

701-770-9118

michaelh@nsgia.com

White Paper North Star Group, Inc.

¹ https://modular.nsgia.com/document/Cost_WhitePaper_Explainer.html ²

https://modular.nsgia.com/document/White_Paper_Fully_Integrated_Reinforced_Modular_SIP_System_FIRM.html

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.¹

¹ https://modular.nsgia.com/document/Innovative_Public_Housing_Partnership.html

12. Appendices

A. Detailed Financial Analyses¹

B. Technical Speciﬁcations of SIPs and Components

● Comprehensive description of SIP construction methods²

● Component speciﬁcations, cost-beneﬁt analyses³

C. Patent Drawings and Descriptions

● Illustrations and detailed explanations of the patented FIRM SIP system⁴

● Integrated Sustainable Housing System patent descriptions, including community

resource integration and coordinated management strategies⁵

¹ https://modular.nsgia.com/document/Funding_Opportunities_for_Modular_Housing_and_Decentralized_Energy_in_Ukraine_2025.html

² https://modular.nsgia.com/document/SIPsExplainer.html

³ https://modular.nsgia.com/document/component_report.html

⁴ https://modular.nsgia.com/document/White_Paper_Fully_Integrated_Reinforced_Modular_SIP_System_FIRM.html

⁵ https://modular.nsgia.com/document/1_Fully_Integrated_Quadruplex_Modular_Housing__Resilient_Power_System_Proposal.html

________________________________________________

19901 Quail Circle

Fairhope AL 36532

701-770-9118

michaelh@nsgia.com