Pyramine co-sharing program

2023EDITION

PYRAMINE co-sharing program WE INVEST IN YOUR HOME WITH YOU. Our co-investment program offers up to $250,000 to assist you in achieving a 20% down payment and attaining homeownership at an earlier time.

pyramineinvestment.com

PYRAMINE

OFFERS A NOVEL METHOD OF ACQUIRING AND HAVING OWNERSHIP OF YOUR HOME

BY ACTING AS YOUR CO-INVESTOR, WE BUY A STAKE IN THE FUTURE WORTH OF YOUR RESIDENCE. AFTER YOU HAVE MOVED IN, WE PROVIDE PROGRAMS AND SERVICES TO SAFEGUARD AND ENHANCE ITS VALUE, WHICH ALLOWS US TO SHARE IN THE PROFITS WHEN IT IS EVENTUALLY SOLD.

PYRAMINE INVESTMENT INC.

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PYRAMINE Pyramine Is A Canadian Company Established In 2018 By A Group Of Real Estate Investors With More Than 70 Years In Real Estate Investing.

Our Senior Management Team Has Both Proven Experience And An Outstanding Track Record. That’s One Of Many Unparalleled Features That Separate Pyramine From Other Investment Firms In The Industry.

We Understand The Real Estate Market In And Out. We Realize The Exceptional And Undervalued Real Estate Opportunities And Offer It To Our Investors.

Pyramine Has Introduced A “Building Wealth Scheme” To Private Equity And Has Created “Unique Real Estate Investments” That Can Help Everyone Achieve Their Financial Goals.

PYRAMINE INVESTMENT INC.

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IS THE SOURCE OF THE FUNDS WE WILL UTILIZE TO INVEST IN YOUR HOME?

IT'S EFFORTLESS; WE TRANSFORM RIVALS INTO COLLABORATORS.

WHAT Pyramine administers a pool of funds for real estate investors who prefer partnership

over landlordship. With Pyramine, investors and homebuyers no longer have to compete for highly sought-after properties; instead, they can collaborate confidently. The objectives of both co-owners and investors are aligned since prosperous homeownership leads to successful investments.

ARE THE BENEFITS FOR US?

WHAT

OUR EARNINGS COME FROM THE INCREASE IN YOUR HOME'S VALUE, JUST LIKE YOURS.

Our investment grows only when yours does. Upon the sale/refinance of the property, we distribute returns to our investors, earning a proportion of the appreciation. In the event of a decline in the home's value, we also share the loss together. For this reason, we are committed to aiding you in discovering and purchasing a residence that you not only adore but also grows in value.

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A STRAIGHTFORWARD PROCEDURE GUARANTEE A CONTRIBUTION.

1

After submitting your application, collaborate with our team to determine the amount we can provide for your down payment.

If you're satisfied with the proposed offer, we will secure it for a period of 90 days.

WITH ONLY

$10,000

YOU CAN LIVE IN YOUR HOME

PARTICIPATE IN CO-OWNERSHIP OF YOUR HOME.

2

One of our partner real estate agents, who has received specialized training to assist you throughout the homebuying process with us, will be assigned to you. In addition, Pyramine's tailor-made property search tool will be at your disposal to assist you in analyzing and refining listings, presenting you with homes that we believe will satisfy your requirements and appreciate in value over time.

GROW TOGETHER

3

Our objective is to provide assistance to you, and our investment flourishes solely when yours does. Consequently, when you sell/refinance your property, both of us will receive an equitable proportion of any profits or losses.

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BUY YOUR HOME

LIVE IN YOUR HOME

/ L L E S E C N A REFIN

R U O Y E M HO

Let's do it together PYRAMINE INVESTMENT INC.

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The process of purchasing and owning a home can be daunting, but with Backup, you have support to make it less intimidating.

FIND OUT HOW MUCH PYRAMINE CAN CONTRIBUTE.

To begin, fill out an application. If it meets our criteria, we will arrange a call to provide you with additional details about our product.

Once you receive mortgage pre-approval from one of our approved lenders through a third-party licensed mortgage broker, you will be able to secure Pyramine's highest down payment contribution. Pyramine's contribution can range from 5% to 15% of the buying price, with a maximum limit of $250,000.

DISCOVER YOUR NEW RESIDENCE.

We will match you with one of our partner real estate agents who has received specialized training to assist you throughout the home buying process with us.

You will be granted access to Pyramine's proprietary property search tool, which can help evaluate and refine listings, displaying residences that we believe meet your requirements and have the potential to increase in value over time.

CALCULATE OUR PORTION OF OWNERSHIP.

When co-purchasing a home, the percentage of the down payment contributed by each party corresponds to the percentage of equity they possess in the home. This determines the distribution of the home's appreciation when it is sold.

For instance, if you provide 40% of the down payment while Pyraminecontributes 60%, your stake in the home's available equity would be 40%.

The funds that we invest in your home are not a loan to you; we purchase a share in the property's prospective value. Hence, there are no monthly payments or interest charges.

PYRAMINE INVESTMENT INC.

BUY YOUR HOME

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Host a party in your personal backyard without feeling obligated to invite us.

OUR ROLE IS TO PROVIDE YOU WITH SUPPORT.

Consider us as your tacit co-purchasing companion. You might not hear from us frequently, but we will always be available to support you whenever necessary.

Being a member of the Pyramine community enables you to take advantage of services like the Homeowner Advance Fund for financial assistance during challenging times. Additionally, we can provide recommendations and introductions to reputable third-party vendors for maintenance, renovation, and financing needs.

MAINTAIN THE HOME LIKE A TRADITIONAL HOMEOWNER

As the beneficiary of living in the home, it is your duty to ensure that it is adequately maintained and that the related expenses are paid.

As co-owners, we share the desire to maintain the home's worth and safeguard our investments. While it is your obligation to maintain the home, we provide a free home maintenance service to help you detect any issues in advance and ensure that everything is functioning correctly.

PERSONALIZE THE AREA TO YOUR LIKING.

You are free to make minor modifications to your home without any restrictions. For significant upgrades, you may even be eligible for a renovation credit. This implies that if the renovation boosts the value of the property, we will reimburse you for some or all of the expenses when the house is sold.

PYRAMINE INVESTMENT INC.

LIVE IN YOUR HOME

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Upgrade or downsize. We’ll help you make the next move.

PYRAMINE OFFERS CO-OWNERSHIP FOR UP TO 30 YEARS.

Pyramine offers a co-ownership model where we can jointly own a home for a maximum period of 30 years, but you have the freedom to sell the property or propose to purchase our portion at any point in time. It is worth noting that our co-ownership arrangement is particularly suitable for those who intend to sell the property within the initial decade. This approach enables you to enter the housing market, expand your investment, and avoid sharing a substantial portion of the home's appreciation with Pyramine over several decades.

THE PAYMENTS Once the house is sold, your mortgage's principal payments will be deducted from the sale earnings and reserved for you before dividing the FOR YOUR rest between us. In essence, this guarantees that the funds you have MORTGAGE contributed to your mortgage are secure, irrespective of whether the ARE SAFEGUARDED property appreciates or not.

GET YOUR EQUITABLE PORTION UPON SELLING.

L L E S R U YO E M O H

Once all necessary revisions have been made, the remaining profits will be distributed based on our respective ownership proportions. Upon the sale's conclusion, you'll receive your mortgage payments in addition to the augmented value of your original down payment. Pyramine will be entitled to the increased worth of our down payment investment. If the property's value remains stagnant or depreciates, we will bear the loss on our investment, and you won't have any obligation towards us.

WE'LL BE YOUR Similar to our assistance during your home purchase, we'll give you access to top agents, resources, and services during the selling process.

COMPANION The profits gained from the sale can also aid you in purchasing your THROUGHOUT subsequent property, and we could even collaborate with you as coTHE ENTIRE VOYAGE. buyers.

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LET'S DO THE BUSINESS

SEE THE MATH

Purchasing a house is a major financial choice that you'll probably encounter in your life. It's crucial to grasp all the stages of this process, and co-purchasing with Pyramine is no exception.

As your co-sharing associate, we aim to ensure that you comprehend the implications of our joint investment both presently and in the future when you opt to sell. Let's go through a hypothetical scenario together.

LET’S SAY WE CO-SHARE A

$1,000,000 HOME PYRAMINE INVESTMENT INC.

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SEE THE MATH $1,000,000 THR DOWN PAYMENT

YOUR MORTGAGE WILL BE FOR

$200,000

$800,000

(20% OF THE HOME VALUE)

(80% OF THE HOME’S VALUE)

IF YOU CONTRIBUTE $80,000 (8% OF THE HOME VALUE) PYRAMINE CONTRIBUTES $120,000 (12% OF THE HOME VALUE) PYRAMINE INVESTMENT INC.

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SEE THE MATH

: 40 60 EQUITY SPLIT IN THE HOME’S FUTURE

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SEE THE MATH Home buyer $80,000 8 %

DOWN PAYMENT

20%

PYRAMINE $120,000

12%

mortage

80%

HOME PURCHASE PRICE $1,000,000

PYRAMINE INVESTMENT INC.

2D O0W% N

PAYMENT CONTRIBUTION

40%

PYRAMINE

60%

Home buyer

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SEE THE MATH Now, let’s fast forward a few years to when you decide you’d like to sell/refinance the home.

The home value appraise for $1,500,000, and over the time you’ve lived in the home you’ve paid off $100,000 of the mortgage principal.

PYRAMINE INVESTMENT INC.

Once the home is sold/refinance, the bank will receive the first payment. Subsequently, any mortgage principal payments made by the co-owner will be reimbursed to them from the sale proceeds.

It's worth noting that the co-owner will be accountable for the closing costs. However, based on the home's appreciation rate, they might qualify for a selling bonus that can assist in covering a portion of their closing costs.

Upon completion of any final revisions, we will distribute the remaining funds based on our equity distribution. You will receive your mortgage payments along with the appreciated value of your initial down payment, while Pyramine will obtain the appreciated value of their down payment contribution.

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SEE THE MATH

$700K

40 : 60

$1.5M Appraised value

less

$700K Remaining mortage

$800K net Proceeds less $100K Return of the Mortage Principal

$ 2 8 0 , 0 0 0 60% $ 4 2 0 , 0 0 0 40% equity split equity split + Mortage Principal $100,000

= TOTOAL

$700K Net Appreciation

PYRAMINE INVESTMENT INC.

* Net Appreciation

* **

= TOTOAL

FUND RECIEVED**

FUND RECIEVED

$380,000

$420,000

Closing costs,less applicable Selling Bonus,are paid by the co-owner Net apreciation is shared according to the Equity Split

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LET'S MAKE THE DEAL Canada Office

1-647-564-4000 Info@pyramineinvestment.com 201-30 Eglinton Ave W, Mississauga, ON L5R 3E7

UAE Office

+971 52 532 4802 Info@pyramineinvestment.com Amna Bin Nasr Building - Office 14 - Al Marar Area

WWW.PYRAMINEINVESTMENT.COM PYRAMINE INVESTMENT INC.

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