Social Impact

1. Our Impact Thesis: Rethinking Credit Beyond FICO

Mortgage underwriting for residential mortgage financing has for many years relied upon outdated and inflexible credit scoring models that fail to recognize the creditworthiness of millions of high-income individuals and families including self-employed individuals and small business owners as well as ITIN wage earners.

At OwnEZ, we call this segment “The Invisible Prime.”

We don’t lower underwriting standards in order to create impact. Rather, we utilize intelligence and data to recognize value in situations where traditional financial institutions fail to see such. We evaluate the true financial reliability of each and every borrower and, based on our proprietary risk algorithms, we empower families to build equity and, in turn, generate wealth for future generations. The return on investment for our investors is reliable and risk adjusted.

2 . Vertically Integrated Origination: The BuyHouseEZ Engine

True impact requires complete accountability across the loan lifecycle.

Most Real Estate Funds invest in unverified, third party purchased ‘paper’ on secondary markets. In contrast, OwnEZ is a vertically integrated Origination Platform that controls the entire loan life cycle.

THE OWNEZ IMPACT ENGINE                           

BuyHouseEZ Platform                                               

Direct borrower engagement, specialized education, and alternative underwriting for creditworthy, non-conforming buyers.

Proprietary Underwriting & Note Structuring                     

Conservative 81% ITV, fully amortized 30-year fixed notes, and robust first-lien protections with substantial borrower down payments.

OwnEZ Fund V Portfolio delivers consistent, asset-backed ~9% net yield to accredited investors while financing long-term residential housing stability.

• Skin in the Game: The borrower makes a substantial down payment and thus has Skin in the Game to protect their equity in the property.
• Full-Lifecycle Governance: The process is fully managed for customers and note holders of OwnEZ Funds, through every step of the process, from signing up on BuyHouseEZ for a particular property, to servicing the note on an institutional note for a property in OwnEZ Fund V Portfolio.

3. Pillars of Measurable Social Impact

• How We Deliver It
• Measurable Impact
• Democratizing Homeownership

Bridging the financing gap for high-performing, credit-invisible households.

450+ families transitioned from perpetual renting to building equity.

Generational Wealth Creation: Owner of home will build wealth over time by means of fixed rate, fully amortizing financing that will prevent families from falling into debt through abusive terms and rent inflation. Equity in home will be built up from day one of ownership.

Local Community Revitalization – OwnEZ’s Capital is deployed in 10 states to primary residential neighborhoods.

Strengthening neighborhood stability through owner-occupied pride of ownership.

Sustainable Underwriting: The underwriting for the fixed rate, fully amortizing loans for the life of the loan is done in a sustainable way.

Zero (0) historic investor losses across our entire track record.

4. Institutional Discipline Meets Social Responsibility

Social purpose + Wall Street risk management = Social impact investing of the highest quality as delivered through the OwnEZ Fund V.

• First-Lien Real Estate Backing: Every note is secured in the primary lien position with a deep equity cushion (75%–81% ITV).
• Independent Third-Party Administration: The reporting of the fund to investors will be provided by Verivest and will be fully audit transparent.
• External Legal Counsel: This fund is structured as a Delaware Limited Partnership (LP) by Weingold Law, PLLC.

• Quarterly Liquidity & Income: The Fund distributes predictable and increasing cash flows to investors on a quarterly basis. These distributions are designed for high-net-worth individuals, family offices and for other fixed-income investors seeking to bridge a growing yield gap.

 5. Next Steps

Invest with Purpose. Protect Your Principal.

Close the fixed-income yield gap and invest in long-term, community-generating residential real estate credit.

 Download 2026 OwnEZ Fund V Deck    

 Schedule a Conversation with Chad Cormier

Investor Relations Direct Contact:

Chad Cormier

Managing Director of Investor Relations

📞 (817) 953-3383

Schedule a Meeting: https://calendly.com/chadc-ownez

Registered Office: 7600 Chevy Chase Drive, Suite 300, Austin, TX 78752