Proverbs 16:3“Commit your work to the Lord, and your plans will be established.”

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Phase 1 — Lake Keowee / Salem Residential Development Pipeline

G5 $2M Residential Acquisition & Construction Facility

Prepared for private construction lenders | 24-month maximum facility.

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Lot 021 Lanyard Circle #35

Opportunity + Speed + Discipline

01 — Executive SummaryOpportunity + Speed + Discipline

A disciplined capital request for residential acquisition and construction.

  1. G5 ELEVATE is requesting acquisition and construction financing for qualified residential lots in the Lake Keowee / Salem market.
  2. The facility may be structured as a revolving line of credit or one full loan amount funded up front.
  3. Initial projects support the request; remaining capacity protects speed, replacement acquisitions, and construction flexibility.
  4. G5 is seeking the lowest available rate and most efficient capital structure consistent with lender requirements.
$2,000,000Capital request
24 monthsMaximum term
$1.126MInitial pipeline
$2.23MProjected resale
02 — The Opportunity Window Is ShortSpeed

Attractive lots move faster than traditional approval cycles.

Strong residential lots rarely wait for slow capital.

  1. Sellers favor buyers who can act quickly and close with certainty.
  2. A 10- to 12-day financing approval window can cause the best opportunities to be lost.
  3. Preapproved capital improves negotiation power and reduces execution risk.
  4. Speed only matters when paired with disciplined underwriting.
03 — Pre-Approved Capital FacilityTwo structures

The solution is committed capital available before the opportunity appears.

Option A

Revolving Line of Credit

  1. Draw as needed for acquisitions and construction.
  2. Repaid capital may become available again.
  3. Best for rolling qualified opportunities.
Option B

Single $2M Loan

  1. Full amount funded up front.
  2. Used across acquisition, construction, and reserves.
  3. Maximum repayment term: 24 months.

In either structure, G5 ELEVATE seeks the lowest possible rate and a capital structure that supports fast, disciplined execution.

04 — Initial PipelineSalem, SC 29676

The first three projects create a clear starting deployment plan.

ProjectAddressAreaCostProjected SalePrelim. Gross Profit
Lot 1225 Bay View DrDesign ref. 70969MK2,601 SF$361K$728K$367K
Lot 21 Lanyard Circle #35Design ref. 59347ND2,755 SF$420K$887K$467K
Lot 323 Tradewinds WayDesign ref. 95125RW2,346 SF$345K$615K$270K
TotalThree lots7,702 SF$1.126M$2.230M$1.104M

These figures are presented as preliminary gross economics and should be reconciled against final soft costs, financing, closing costs, sales commissions, and ARV support.

05 — Why Request $2M?Strategic reserve

The remaining capacity is strategic capital, not unused money.

$2.0MTotal requested capacity
$1.126MInitial identified use
$874KStrategic reserve
  1. Replacement lots if a target property becomes unavailable.
  2. Higher-quality acquisitions if better opportunities appear.
  3. Construction flexibility and contingency protection.
  4. Faster closings without restarting the capital approval process.
06 — Use of FundsExecution certainty

Capital supports acquisition, construction, and execution certainty.

  1. Land acquisitions and closing costs
  2. Architectural plans, design, permits, HOA approvals, and utility tap fees
  3. Site preparation, foundation, framing, rough-ins, finishes, appliances, and landscaping
  4. Construction contingency, replacement opportunities, and financing costs
  5. Strategic liquidity to protect schedule and lender collateral
07 — Acquisition CriteriaTen checks

Each lot must support the purchase, build, and exit plan.

01ARV support
02Purchase price
03Build cost
04HOA / CARE
05Utilities
06Title
07Back dues
08Site conditions
09Resale demand
10Margin

The standard is simple: the deal must make sense before capital moves.

08 — Deal Classification SystemThe screen

Discipline is shown by rejecting weak opportunities.

Green

Proceed

Meets return, title, site, and market standards.

Green-Yellow

Viable with confirmation

Attractive, but needs ARV, HOA, cost, or due diligence confirmation.

Yellow

Negotiate or monitor

Potential only if terms improve or assumptions strengthen.

Red

Reject

Does not protect capital or meet the model.

Capital is not approved because a lot is available. Capital is approved because the opportunity passes the screen.

09 — Project ExamplesSalem, SC 29676

Three lots, each underwritten on its own evidence.

1 Lanyard Circle #352,755 SF · Design ref. 59347NDGreen-Yellow Lot 02 · Projected sale $887K01 / 03 23 Tradewinds Way2,346 SF · 95125RWWatchlist Lot 03 · $615K02 / 03 225 Bay View Dr2,601 SF · 70969MKCandidate Lot 01 · $728K03 / 03

1 Lanyard Circle #35Salem, SC 29676 · Lot 2

Living area
2,755 SF
Estimated cost
$420K
Projected sale
$887K
Preliminary gross profit
$467K
Design reference
59347ND
Verdict

Viable / Green-Yellow subject to confirmed ARV, HOA, CARE, back dues, and final construction budget.

View on Zillow

23 Tradewinds WaySalem, SC 29676 · Lot 3

Living area
2,346 SF
Estimated cost
$345K
Projected sale
$615K
Preliminary gross profit
$270K
Design reference
95125RW
Verdict

Conditional / Watchlist until pricing, ARV, and underwriting confirm the required return.

View on Zillow

225 Bay View DrSalem, SC 29676 · Lot 1

Living area
2,601 SF
Estimated cost
$361K
Projected sale
$728K
Preliminary gross profit
$367K
Design reference
70969MK
Verdict

Initial pipeline candidate subject to final due diligence, budget reconciliation, and ARV confirmation.

View on Zillow

Final approval should confirm ARV, HOA/CARE, title, back dues, utilities, site conditions, and final construction budget.

10 — Development ConceptPractical luxury

Premium residential product designed for the Lake Keowee / Salem buyer.

225 Bay View DrLot 01
1 Lanyard Circle #35Lot 02
23 Tradewinds WayLot 03
01Practical luxury with marketable plans and strong curb appeal.
02Efficient living-area targets with garage and porch value.
03Exterior materials and design language positioned for premium residential resale.
11 — Financial Model StructureAcquisition → Exit

Each project is reviewed from acquisition through exit.

  1. 01Purchase Price
  2. 02Hard Costs
  3. 03Soft Costs
  4. 04Financing
  5. 05ARV
  6. 06Exit
  1. The consolidated model should include conservative, base, and upside scenarios.
  2. Returns should be measured by gross profit, net profit, margin, and return on cost.
  3. Final lender version should reconcile workbook totals with detailed budgets.
12 — Gross Profit vs. Net ProfitPrecise language

Use precise language so lender expectations stay clear.

Lead with

Preliminary Gross Profit

Projected sale price minus estimated project cost before all final soft costs, financing, commissions, and closing adjustments.

Then show

Net Profit

Profit after financing costs, sales commissions, final soft costs, and transaction expenses are applied.

The deck should lead with preliminary gross profit, then show net profit after final reconciliation.

13 — ARV ReconciliationHonest numbers first

Projected resale values must be supported before final capital deployment.

  1. Compare projected sale prices against local comps and finished-product quality.
  2. Adjust for location, lot characteristics, market absorption, and buyer demand.
  3. Reconcile ARV with lender assumptions before finalizing the loan basis.
  4. Use honest numbers first; credibility is part of the collateral.
14 — Capital ProtectionLender controls

The facility can be structured around lender controls and project evidence.

  1. Title review and closing documentation before acquisition.
  2. HOA, CARE, utilities, permits, and site condition verification.
  3. Draw schedule tied to construction milestones and inspections.
  4. Contingency reserves for budget changes and schedule protection.
  5. Project-by-project underwriting before capital is committed.
15 — Timeline24-month term

The 24-month term gives room for acquisition, construction, sale, and payoff.

Month 0–2

Capital approval, due diligence, acquisitions

Month 2–8

Construction cycle for first homes

Month 8–14

Listings, sales, repayments or redeployment

Month 14–24

Additional qualified opportunities or full payoff

The goal is to repay or recycle capital from completed home sales within the facility term.

16 — Investor EconomicsTerms

Final terms can be structured to match lender risk and required return.

  1. Target: lowest available interest rate and most efficient cost of capital.
  2. Potential structures: interest-only loan, origination fee, preferred return, collateralized construction loan, or hybrid.
  3. Loan economics should reflect collateral quality, draw controls, project margin, and repayment timing.
  4. G5 is open to lender input on terms, security, and project-level controls.
$2MRequested capacity
24 mo.Max term
Lowest possibleRate objective
17 — Why G5 ELEVATESponsor

The sponsor story is discipline, execution, and truthful numbers.

  1. Focused residential acquisition and construction strategy.
  2. Clear willingness to reject deals that fail the model.
  3. Initial pipeline already identified with project-level budgets and concepts.
  4. Speed mindset supported by lender controls and due diligence.
  5. Faith-based commitment to prudence, honesty, and counting the cost before building.
Opportunity01Speed02Discipline03
18 — Builder / Construction ExperienceExecution credibility

Builder, construction experience and advisory support

Documented residential permitting activity supports execution credibility.

Darwin Malki

Greenville County, South Carolina

Builder / Construction
103BuildZoom Score
Top 10SC contractor ranking
61Permitted projects listed
20+Projects in past 3 years
  1. BuildZoom lists experience across new construction, home additions, and electrical-related projects.
  2. Reported recent activity includes 4 projects in 2025, 4 projects in 2024, and 10 projects in 2023.
  3. Experience breakdown includes 7 new construction projects, 4 home additions, and 8 electrical projects.
  4. G5 ELEVATE will verify builder role, insurance, license/registration requirements, references, and final construction agreement before lender funding.

Source: BuildZoom contractor profile for Darwin Malki, updated Sep. 24, 2025. buildzoom.com/contractor/darwin-malki

18b — Strategic Construction & Business Advisory Support

Business acceleration, construction education, and credit perspective.

Ramon Paez

USACREDITO.com | Lordconstruye | LordRamon | Usacredito | AcademiadeConstruccion.com

Strategic Advisor
36 yrsCombined professional experience
32 + 4Venezuela + United States
UCABEconomics, 1984 + two postgraduate studies
GL + WCGeneral liability and workers' comp reported
  1. Positioned as a strategic construction and business advisory resource, not as the licensed builder or general contractor.
  2. Supports G5 ELEVATE through business acceleration, construction education, credit awareness, investor communication, and development discipline.
  3. Background combines economics, entrepreneurial execution, construction education, and practical field-facing business knowledge.
  4. Final role, insurance certificates, references, advisory scope, and written agreement should be verified before formal lender reliance.
19 — The Ask: Capital RequestMost efficient structure

G5 ELEVATE is seeking the most efficient capital structure available.

$2,000,000 acquisition and construction financing request

Acquisition and construction financing request

  1. Structure A: revolving line of credit up to $2,000,000.
  2. Structure B: one full $2,000,000 loan funded up front.
  3. Maximum requested term: 24 months.
  4. Primary objective: secure the lowest possible rate while meeting lender requirements.
  5. Use: qualified residential acquisition, construction, reserves, and project execution.

20 — A closing principle for lender alignment

Count the cost before building.

G5 ELEVATE intends to grow through opportunity, speed, and discipline. The capital request is designed to support fast acquisitions without abandoning prudent underwriting, truthful numbers, and lender protection.

Prudence and truth protect the sponsor, the lender, and the name behind the work.

Luke 14:28For which of you, desiring to build a tower, does not first sit down and count the cost?
Review the request