Recovery: A structured property investment offering predictable returns and capital protection

• Acquire residential property below market value, earn prime-linked income, and secure predefined capital returns while helping distressed homeowners regain stability.
• Investors hold transferred property ownership, receive structured rental income, and benefit from legally defined exit strategies and layered investment protections.
• Property-backed investment delivers predictable returns, strong capital security, and measurable social impact within a professionally governed, hands-off investment framework.

1. The Elevator Pitch

‍Recovery is a property-backed impact residential investment that allows investors to acquire residential real estate at well below market value, generate a prime-linked income, plus an exit with pre-agreed capital returns, while enabling distressed homeowners to stabilise and work back toward ownership.

The investor acquires the property via transfer, leases it back to a pre-qualified former owner on a triple-net basis, and grants an option to repurchase at a predetermined price within a defined recovery period. The structure is governed by robust legal agreements, conservative pricing, and layered risk controls.

Recovery offers investors the certainty of contractual returns, the security of registered property ownership, and a hands-off management solution, with the added benefit of measurable social impact.

2. Returns

‍Recovery returns are structured, predetermined, and contractually documented.

Investor returns typically consist of:

• Cash positive Monthly net rental income, structured to equal prime plus 2% annualised return payable monthly.
• Predetermined capital growth realised on exit (repurchase by the tenant or sale to a third party) between 4% to 7% based on risk weighting.
• Potential upside from early settlement or default-driven exit scenarios.

Unlike traditional buy-to-let, returns are not dependent on rental market fluctuations or speculative price growth, but are built into Rental Warranties from the outset.

3. Security

‍Security is anchored in real estate ownership and reinforced by legal, financial, and operational controls.

Key security features include:

• Transfer of property into the investor’s name, supported by title deed protections
• Maximum acquisition threshold of 75% or less of market value (all costs inclusive), creating an immediate equity buffer.
• Rental Warranties for the full transaction term held on trust.
• 3 months Rental Deposit held on trust.  
• Contractual enforcement mechanisms covering breach, penalties, cost recovery, and default remedies.
• Independent professional valuations and area specialist confirmations

The investor holds tangible security throughout the investment term.

4. Term of the Investment

‍Recovery is structured as a short- to medium-term investment, aligned to the recovery timeline of the tenant.

• Typical investment terms range from 12 to 36 months
• The option period and repurchase mechanics are clearly defined in the legal agreements.
• Extensions are only considered by written agreement and subject to feasibility and risk committee approval.

If the tenant fails to repurchase within the agreed term or defaults materially, the property is sold to a third party as a defined alternative exit.

5. Additional risk mitigation

‍Recovery employs multi-layered risk mitigation, including:

• Attorney-controlled trust accounts with Fidelity Fund protection
• Controlled release of funds, with the majority released only on transfer
• Triple-net lease structure shifting operating costs to the tenant
• Rental Warranties on all transactions for the full or most of the term  
• Deposits held in trust to cover rental default
• Life and property insurance included as part of the transaction framework
• Independent professional valuations and property inspections
• Predetermined and pre-qualified exit strategies facilitated by industry specialists for previous owners  
• Diversification rules across geography and pricing bands in portfolio structures

These measures are designed to protect capital, stabilise income, and provide enforceable exit routes.

6. Investment Impact Analysis

‍Recovery qualifies as financial and social impact real estate investing without compromising commercial discipline.

The model aims to:

• Prevent distressed sales and forced auctions
• Preserve family housing stability
• Enable homeowners to restore creditworthiness and repurchase their homes
• Reduce social disruption while generating competitive risk-adjusted returns

Impact is embedded into the investment structure, not treated as a charitable overlay.

7. Qualifying Investors

‍Recovery is designed for financially established real estate investors who understand property-backed risk and structured returns.

Typically, qualifying investors include:

• Private property investors seeking predictable income and capital protection
• Private property investors who can use a mortgage, cash, or both.
• High-net-worth individuals looking to diversify beyond traditional buy-to-let
• Institutional and Professional investors comfortable with short- to medium-term structured deals
• Companies, trusts, and investment entities with a property investment mandate
• Pre-qualified or accredited investors onboarded through the Wealth Assist platform

Investors must:

• Complete FICA and compliance requirements
• Have the financial capacity to fund property acquisitions
• Understand that returns are structured and secured, but not “guaranteed”
• Be comfortable with legal agreements, option structures, and defined exit strategies

The RECOVERY is not intended for speculative or highly leveraged investors seeking quick flips.

8. Investment Due Diligence Pack

‍Each Recovery opportunity is presented with a comprehensive due diligence pack, including:

• Photos/Video of the property
• Investment Summary
• Professional valuation report
• Structural inspection Report  
• Maintenance scopes and quotations & compliance assessments
• Rental Income and Expense Breakdown

This allows investors to assess risk clearly before committing capital.

9. Investment

‍Breakdown of investment breakdown inclusive in the transaction:

• Transfer
• Maintenance
• Property Insurance
• Life Insurance
• Due diligence Reports
• Registration of additional Securities

What is excluded and cost to the Investor:

• Bond Registration cost if applicable
• Wealth Assist external buyers fees

Investors interested in Recovery can:

1. Book a Call with a Wealth Assist investment specialist for strategy alignment
2. Register on the Wealth Assist platform to view opportunities
3. Complete the qualification and compliance process
4. Select and participate in approved Recovery opportunities as they are released

Recovery offers a disciplined alternative for investors seeking property-backed certainty, strong income, defined exits, and meaningful impact, all within a professionally governed framework.

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