Here is a useful slide idea for our new Home Credit Union

HCU liquefies home sales and purchase and fiinance into a single point of entry for the long term home investor.

HCU uses modern fintech and digital contract technology to unify all the human services in home portfolio into a single entity, local to the regionnal home market but with a national standardized home portfolio system. HCU uberizes the home credit system.

Key technology:

Hme owners and savers and borrowers maintain at triple entry accounting sheet:

Deposit, Loans, Home Equity.  These are treated with equal liquidity.  Deposits are five year term contracts, home sales can occur within two days inside the network, The three are cobalanced with no arbitrage between the three accounts.

User life cycle:
A user joins our system with a five yer deposit, and may or may not bring in some home equity. I it is a home saver with no homo, their home asset account is in the red. A new user who brings a home, will have the home inspected and minimally repair to the national corporate standard. Fees for service are posted and determined by local labor markets. The new user pays entry fees, all fees cover costs.

Once a property is in the system, it can be bought and sold entirely using internal contracts, and the franchise charges a per service fee for registrations and recordings at the county.  Early exits of deposits suffer  fee, exchanges to and from on demand bank accounts, a fee. And realtor agent services are rendered here and there, for a cut. There is a bankruptcy insurance cost for the occasional scofflaws. A minimal and stable job is mostly required to be a user.

First time buyers:
In a reasonable job and a ten grand deposit, the network can make your home equity account positive much sooner, and with less cost.  The homes available should grow in variation, and if the new owner prefers equity to interest risk, then so e it. Total property value generates the collateral value, there is simply a liquidity shift inside the closed system. Relative standardization and fee scovered as needed.

The relative share, deposits, loans and home collateral are set on am asynchronous schedule, and can change only slightly.  Otherwise, deposits and loans will balance with greater variation because of the presence of market price collateral.

Home Credit union automates most non human financial services, although there is no high speed trading. Loans and deposits are expected to be significant,, as significant as a home transaction, and require some human intervention.

There is no shareholders, fii the VC wants to invest, then make a five year early deposit. Financing this is a breeze. Get a head recruiter and look for the components you need in a digital package. Hire good developers, set up the contract terms bit by bit.  But, just put these folks on a triple entry accounting system, along with the VCs.  And the startup will write an finite amortization contract on development. We get the employees to make a five year deposit of some sort, and look to buy a house. And we assemble the components pretty quick from off the shelf stuff and partnerships.

VCs are just whales on the deposit books

VCs basically get the first and best lending opportunities that become exposed, they end up being whales in long term, stable  debt earning 5% on net, in many cases.  The developers are the first to see the success or failure, they will buy a nice house on risk if things begin to work. If it collapses, it collapses like a sandbox S/L, all parties orderly exiting, leaving minimal contract residual.

Fees are paid with transaction costs at the franchise, so there just remains risk equalization, but standardizing the franchise contracts and inspections a bi does much of that. So the net risk is actually the scofflaw insurance, before taxes on interest income. The service grows, the whales will earn a solid 4.5% in today's conditions, long term income,quite secure.

There is a barrier to entry, how to fairly trade a three color pit. I can do that, I think.

Something like this, a bunch of sand boxers, and you can get funded. So, who is the big shot CEO. The human resources person, someone who can streamline a bunch of special services done in local regions. So from VC, point of view, this is an investment in high yield savings accounts. VCs are acting like portfolio managers, doing term transformations for their investors. The idea is the VCs a put themselves out of a job.