Serenity Village Project Overview

Project Status at a Glance

✅ Patent Protection

Filed: May 18, 2025

Application #: 63/807,771

System for integrating life settlements with affordable housing finance

🏘️ Mobile Project

Status: Executive committee approved

Size: 120 units (30 buildings)

Features: Rain gardens, broadband, AI support

🏛️ Albany Project

Status: Paul available to support

Advantage: Second market validation

💰 Funding Breakthrough

Prototype Size: $15M (not $150M!)

Interest Rate: 4.5% to housing authorities

Fund Return: 12% target

🌱 USDA Grant

Amount: $1 million

Purpose: Rain gardens for flood control and food

Partners: Mobile Urban Growers, Groundwork Mobile

⚠️ Immediate Needs

1. NDA from Nathaniel

2. Tom's financial documentation

3. Professional site plans

4. Investor pitch deck

How We Got Here

The Problem

Traditional affordable housing financing leaves housing authorities with little ownership or cash flow. Tax credit deals benefit developers while communities get stuck with problems.

Our Solution

We use life settlements (insurance policies) to generate steady income that supports low-interest loans to housing authorities. This lets communities own their properties and build wealth.

Key Breakthrough: We Can Start Small!

The ActRisk team proved we can do a $15 million prototype instead of needing $150+ million to start. This changes everything.

Our Team

Michael Hoffman

Project lead, patent holder, real estate developer with software background

Tom Dowling

Development partner, 900+ affordable housing units, panel manufacturing

Paul Watkins

Housing authority advisor, CEO Montgomery Housing Authority

Nathaniel Christian III

Fund advisor, 30+ years Wall Street, former CastleOak Securities

What We Need to Do

                    Next 2 Weeks
                    Get NDA from Nathaniel - Protect IP before sharing details
Tom's Financial Package - Housing authorities need developer strength proof
Create Investor Pitch Deck - Nathaniel requires this for fund work
Professional Site Plans - Architectural drawings for housing authorities

                

Paul's Requirements (Housing Authority Side)

Financial Credibility

Developer financial statements and balance sheet
Ability to guarantee project performance "three times over"
Professional liability insurance

Development Experience

Documentation of past affordable housing projects
References from housing authority partnerships
Timeline and outcome records

Nathaniel's Requirements (Fund Side)

Professional investor pitch deck
Detailed financial projections
Risk analysis and mitigation strategies
Legal structure documentation

Technical Details

Patent Information

Application #: 63/807,771

Title: "System and Method for Integrating LifeSettlement Portfolios with AffordableAsset Finance SHIELD"

Filed: May 18, 2025 by Michael Hoffman

Protection: 12 months to file full application

Financial Structure

Fund Components

Life Settlements: $25M minimum for diversification
Housing Investment: $15M prototype
Target Returns: 12% IRR to investors
PHA Financing: 4.5% interest-only, 5-year terms

Project Specs - Serenity Village

Size: 30 quadruplexes, 120 units
Construction: Structural insulated panels
Location: Mobile, Alabama
Special Features: Rain gardens, broadband, AI emergency network, daycare

Expert Team

Nathaniel H. Christian III

30+ years Wall Street experience
Former General Counsel, CastleOak Securities
Securitization and structured finance expert
Series 7, 79, 99, 24 FINRA licenses

ActRisk.com Team

Brian Foreman, President
Liam, London-based actuary
Global risk management specialists
AI/ML and data analytics expertise