Introduction

Thank you for your time and trust. Each of you has expressed genuine interest in jointly investing in property -

and I believe we have a unique opportunity to do just that.

This proposal outlines a structured, low-barrier entry into property investment, primarily targeting affordable

residential units in Johannesburg CBD. The aim: to create consistent monthly returns, grow equity, and

benefit from collective ownership with full transparency and minimal financial risk.

Investment Model

Target Properties:

* Affordable flats in Johannesburg CBD

* Estimated Purchase Price: R300,000 per unit

* Refurbishment & Transfer: R50,000 per unit

Capital Structure:

* Shares priced at R10,000 each

* Target portfolio: 10 properties (initial phase)

Monthly Income Handling:

1. Monthly costs (levies, etc.) are deducted first

2. Remaining profits are distributed monthly to shareholders

3. Transparent invoices for easy tax reporting

Shareholder Guidelines

Fair Share Allocation:

* If more investors are interested than shares available, a rotating priority system will be used to ensure

fairness.

Exiting the Group:

* If you wish to sell your shares, they must be offered to the group first.

* External sales allowed (1 buyer at a time) for simplified management.

Decision-Making and Voting Rights

To ensure fairness while maintaining agility in decision-making, the following voting rule will apply:

* Any group decision may be put to a shareholder vote.

* If 70% or more of the total shareholding votes in favor of a motion, that decision will be implemented.

* Each R10,000 share carries 1 vote.

This voting structure enables democratic input while ensuring the group can act decisively when needed.

Benefits to Shareholders

- No Bond or Bank Loan Needed

- Strong Rental Demand in JHB CBD

- Returns expected to exceed 12% per annum

- Access to TPN reports and professional vetting

- Full transparency on cash flow and property performance

- Simple monthly payouts and tax-friendly structure

My Role & Motivation

This model allows me to grow our collective investment without relying on bank loans, which can be

restrictive at my current stage of life.

Over time, I plan to formally register a managing agency, fully compliant with NAMA (National Association of

Managing Agents). This will enable long-term, efficient property management for the group - built on trust and

professionalism.

Conclusion

This is more than just an investment - it is a long-term partnership grounded in fairness, shared success, and

low overheads.

Together, we can access real estate opportunities that are usually reserved for larger investors, while

keeping our operations nimble, profitable, and transparent.

Next Steps

* Express your interest

* Decide your potential investment amount

* Feedback on the structure (all suggestions welcome)

* Formalize the agreement and first acquisition target