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Recent Posts
- 0603 2012 New non-debt financing alternatives for home owners and small businesses as stimulus to create economic activities at grassroots level
- 0503 2012 Application Example of An Arbitrage Investment Opportunity Using the New FARJHO Home Ownership Structure
- 0402 2012 The distinguishing features of FARJHO as a new business method to implement the equity sharing concept are three-fold
- 0303 2012 What is the difference between the cash flow sharing SwapRent solution and a Shared Appreciation Mortgage? – SwapRent is similar to a separate flexible employment contract substitute to hold on to the house
- 0301 2012 Crowdfunding – Capitalism for the 99%
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Category Archives: InvestorsAlly
1003 2011 Let FARJHO and SwapRent bring housing finance from the sleight-of-hands on Wall Street to the common people on Main Street – Food for thoughts for the Occupy Wall Street protesters
The Occupy Wall Street protesters’ movement seems to be gaining steam and momentum but what do they want to accomplish? How about telling Wall Street to stop meddling with our housing finances? Furthermore, the angry protesters that occupied Wall Street … Continue reading
Posted in Cash Flow Sharing, Economic Viewpoints, Equity Sharing, FARJHO, Federal Government, Housing, InvestorsAlly, PeoplesAlly, REIDeX, SwapRent
Tagged Affordable housing, Cash Flow Sharing, Equity Sharing, Fannie Mae, FARJHO, FHA, FHFA, Foreclosed homes, Freddie Mac, GSE, housing affordability, Lease option, Occupy Wall Street, Property management, Rent to own, Renting, REO, RFI, Shared Ownership, SwapRent
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0910 2011 Our response to FHFA’s RFI – FARJHO and SwapRent from PeoplesAlly Foundation and InvestorsAlly, Inc. – A letter to the Fed, the Administration, GSEs, HUD, SEC, CFTC, other Agencies and the State Governments
Here below is a recent update letter to many of my academic friends who possess well established expertise in economics, economic history, finance, derivatives, laws, mathematics, housing, housing finance, urban planning, real estate, business studies, public policy and political science … Continue reading
Posted in Cash Flow Sharing, Economic Viewpoints, Equity Sharing, FARJHO, Federal Government, Housing, InvestorsAlly, PeoplesAlly, REIDeX, Section 8, SwapRent
Tagged Affordable housing, Bulk sales at discounted price, Cash Flow Sharing, Equity Sharing, Fannie Mae, FARJHO, FHA, FHFA, Foreclosed homes, Freddie Mac, GSE, housing affordability, Lease option, Oligarch, Property management, Rent to own, Renting, REO, RFI, Serfdom, Shared Ownership, SwapRent, Tenanted serfs
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0910 2011 Weekly Round-Ups from Various Social Networking Sites on FARJHO, Sec 8’ed FARJHO and SwapRent
There have been increasingly more feedbacks and comments which has made it more and more difficult to keep track them all and summarize in the blog. Here are a few representative recent posts. ========== On not to let Wall Street … Continue reading
Introduction to PeoplesAlly Foundation
PeoplesAlly Foundation was set up in June, 2011 to assist low income working families. Please visit its website at http://www.PeoplesAlly.org. PeoplesAlly Foundation Manifestos: 1. Assisting low income working families on how to increase housing affordability under free market capitalism … Continue reading
Posted in Cash Flow Sharing, Equity Sharing, FARJHO, Housing, InvestorsAlly, PeoplesAlly, SwapRent
Tagged FARJHO, PeoplesAlly Foundation, SwapRent
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0830 2011 Helping the GSEs and FHA – Some historical background, a few thoughts and the call for union and transparency
The following letter is the touched up version of a recent response addressed to members of Community Development Banking email listserv regarding some of their member’s interests in working with us on FARJHO. The list members include thousands of community … Continue reading
Posted in Cash Flow Sharing, Economic Viewpoints, Equity Sharing, FARJHO, Housing, InvestorsAlly, PeoplesAlly, SwapRent
Tagged Asset Disposition, Bernanke, Enterprises, FARJHO, Fed, FHA, FHFA RFI, Fiscal policy, FRB, GSE, HUD, Keynes, Monetary policy, REO, Reuest for Information, RFP, SwapRent, Wealth redistribution
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0819 2010 How and when to apply the new FARJHO (Flexible And Reversible Joint Home Ownership) structure?
The following information is on how to apply the new economic concept of the separation of shelter value (use value) and the investment value (economic value) of a conventional ownership of a real estate property. For more details please visit … Continue reading
Posted in Cash Flow Sharing, Economic Viewpoints, Equity Sharing, FARJHO, Housing, InvestorsAlly, PeoplesAlly, REIDeX, SwapRent
Tagged Affordable housing, CDO, Corporatize homes, Corporatizing homes, Credit default swaps, Credit Derivatives, Equity Sharing, FARJHO, Home equities, Home equity securitization, Housing, housing affordability, Housing finance, Loose credit, Mortgage derivatives, Mortgage securitization, Real estate derivatives, SAM, Securitization, Securitizing home equity, SEM, shared appreciation, shared equity, Shared Ownership, Shared ownership mortgage, SwapRent, What FARJHO is not, What SwapRent is not
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08/18/2011 FARJHO – securitization of home equity vs. securitization of mortgages, SwapRent – real estate derivatives vs. mortgage derivatives
This is a short blog post to clarify the difference between the securitization of home equities (home equity securitization) and the securitization of mortgages (mortgage securitization) as well as the most commonly misunderstood term of real estate derivatives by the … Continue reading
Posted in Cash Flow Sharing, Economic Viewpoints, Equity Sharing, FARJHO, Housing, InvestorsAlly, PeoplesAlly, SwapRent
Tagged Affordable housing, CDO, Credit default swaps, Credit Derivatives, Equity Sharing, FARJHO, Home equities, Home equity securitization, Housing, housing affordability, Housing finance, Loose credit, Mortgage derivatives, Mortgage securitization, Real estate derivatives, SAM, Securitization, Securitizing home equity, SEM, shared appreciation, shared equity, SwapRent, What FARJHO is not, What SwapRent is not
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08/13/2011 Weekly round-up of FARJHO discussions from various Linkedin Groups
On Section 8’ed FARJHO to let Section 8 recipients have a partial ownership of the property that they rent: Ralph this sounds like a great idea, and many belong to some kind of neighborhood beautification program as well. Reply: Yes, … Continue reading
Posted in Economic Viewpoints, Equity Sharing, FARJHO, Housing, InvestorsAlly, PeoplesAlly, Section 8
Tagged Affordable housing, Borrow-pool-buy, BPB, FARJHO, FARJHO LLC, Foreclosure avoidance, Foreclosure elimination, Housing, housing affordability, LLC member interests, PBB, Pool-borrow-buy, Section 8, Section 8'ed FARJHO
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0806 2011 From the old Pool-Borrow-Buy (PBB) equity sharing concept as in a SEM or SAM to the new Borrow-Pool-Buy (BPB) concept as in a FARJHO – A simple innovation in housing finance that could eliminate home foreclosures all together
This is one of my most popular blog topics being repeated many times but with a different way to explain this new concept each time. Many new way of explanations were in fact inspired by many questions raised by my … Continue reading
Posted in Economic Viewpoints, Equity Sharing, FARJHO, Housing, InvestorsAlly, PeoplesAlly, SwapRent
Tagged Borrow-pool-buy, BPB, BPB home financing method, Corporatize homes, Corporatizing homes, FARJHO, Foreclosure avoidance, Foreclosure elimination, Foreclosures, Home lending reform, Innovation in equity sharing, Innovation in housing finance, mortgage innovation, PBB, Pool-borrow-buy, SAM, SEM, Shared appreciation modification, shared appreciation mortgage, Shared equity modification, shared equity mortgage
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0802 2011 Implementation Strategies of FARJHO and SwapRent – good economic stimulus public policy or cornering the real estate market by investors for profits?
A very obvious winning strategy of implementing either FARJHO and SwapRent alone or together is to simply concentrate the investments and focus on a few selected neighborhoods in the US, perhaps some mid-sized cities in Southern California. Let’s have a … Continue reading
FARJHO 