1. Property Investor Networks & Forums (e.g., Property Tribes, local REIA Facebook Groups, BiggerPockets UK): • Why: Large, engaged audiences of your target users. • Potential Partnership: • Affiliate Marketing: Offer them a unique link to promote your tool for a commission on sign-ups. • Sponsorship: Sponsor sections, newsletters, or events. • Content Contribution: Provide valuable AI-driven insights or articles to their community. • Exclusive Discounts: Offer their members a discount on your tool. • Offer: Commission, sponsorship fees, valuable content, and member benefits. 2. Property Investment Educators & Mentors: • Why: They have credibility and reach with investors seeking guidance. • Potential Partnership: • Affiliate Program: They recommend your tool to their students/mentees. • White-Labeling/Co-Branding (Future): Offer a version of your tool under their brand. • Joint Webinars/Workshops: Combine their strategic education with your tool's practical application. • Offer: Generous commission rates, co-marketing opportunities.

1. PropertyData.co.uk: • Why: They are your source for hotspot identification. A deeper relationship could be beneficial. • Potential Partnership: • Data Licensing/API Access: Formal agreement for using their hotspot data, potentially deeper datasets if available. • Co-Marketing/Affiliate: Promote each other's services. You drive users to them for broader market data; they highlight your tool for deep dives into hotspots. • Content Collaboration: Co-author blog posts, webinars on high-yield investing. • Offer: Revenue share on referrals, fixed licensing fee, and reciprocal promotion. 2. Local Councils (within the Top 25 Hotspots): • Why: Access to specific planning information, HMO licensing registers, and Article 4 details. • Potential Partnership: • Data Sharing Agreements (Formal or Informal): For publicly available but hard-to-collate data. This might be more of a long-term goal or require Freedom of Information requests initially. • Pilot Programs: Offer your tool's insights to their housing or planning departments (e.g., to understand investment trends). • Offer: Insights, data analytics in return for structured data access. (This is more challenging but potentially high value). 3. Specialised Data Providers (e.g., for HMO/SA): • Why: Companies like AirDNA or Transparent (for STR data), or providers of very granular local economic data. • Potential Partnership: • Data Licensing/API Integration: To enhance your HMO/SA underwriting accuracy. • Offer: Licensing fees. Could explore a "lite" version for your users with an upsell to the provider's full service.

1. Property Auctioneers (National & Regional UK Auction Houses): • Why: Auction properties often require quick analysis and can represent good value (or significant risk if not properly underwritten). Your tool can help bidders analyze deals rapidly. Auctioneers want more informed, confident bidders, leading to more successful auctions. • Examples (UK): Allsop, Savills Auctions, Barnard Marcus, Pugh Auctions, iamsold (connects estate agents to auctions), and many regional players. • Potential Partnership: • Pre-Auction Analysis Tool: Offer a "lite" version or specific reports on upcoming auction lots, accessible via the auctioneer's website (co-branded). Bidders can upgrade for full analysis. • Data Feed Integration: Get early access to auction catalogues/data feeds to populate your platform, allowing your users to analyze auction deals. • Educational Content/Webinars: Jointly host webinars on "How to Analyze Auction Deals with AI" or "Finding Hidden Gems at Auction." • Referral/Affiliate for Your Full Tool: Auctioneers promote your full tool to their database of investors. • Sponsorship of Auction Events: Your branding at their auctions or on their online bidding platform. • Beneficial Terms to Offer Auctioneers: • Increased Bidder Engagement & Confidence: Highlight how your tool helps their bidders make more informed decisions, potentially leading to more competitive bidding and higher sale prices. • Lead Generation for Your Tool: Access to their investor database. • Co-Marketing & Brand Association: Aligning with established auction houses boosts your credibility. • Revenue Share: On premium analysis reports sold through their platform or subscriptions from their referrals. • Value-Added Service for Their Clients: Differentiates them from other auctioneers by offering a useful tech tool. 2. Property Crowdfunding & Fractional Investment Platforms (UK Focused): • Why: These platforms need a steady stream of well-vetted investment opportunities. Your AI tool could help them identify and perform initial underwriting on potential properties for their platform. They also have a community of investors who might be interested in your tool for their own direct investments. • Examples (UK - some may also do P2P lending, but focus on equity crowdfunding): Property Partner (though they've pivoted), CrowdProperty (more development finance but has an investor base), Shojin Property Partners, The House Crowd (check current status), Propertymoose, Bricklane. Keep an eye out for newer entrants. • Potential Partnership: • Deal Sourcing & Underwriting Service: Offer your AI tool's capabilities as a service to help them identify and perform due diligence on properties that fit their investment criteria. This could be a B2B SaaS offering. • Investor Community Access: Market your tool to their existing investor base (for their direct, non-crowdfunded investments). • Co-Investment Opportunities (Long-term): Potentially identify deals that could be co-funded by your users and their platform users. • White-Labeling: Offer a version of your underwriting tool for their internal team or a simplified version for their investors to assess listed deals. • API Integration: To feed potential deals directly into their deal assessment pipeline. • Beneficial Terms to Offer Crowdfunding Platforms: • Improved Deal Flow & Quality: Help them find more and better-vetted properties, saving them time and resources. • Enhanced Due Diligence: Provide AI-driven insights to strengthen their underwriting process. • Value-Added Tool for Their Investors: Offer your tool as a perk or resource to their investor community. • Revenue Share/Subscription Fees: For using your tool for their deal sourcing/underwriting. • Access to a Wider Investor Pool (for co-investments): If applicable. • Transparency & Data-Driven Justification: Use your AI analysis to help them justify investment opportunities to their crowd. 3. Specific Terms: For Property Auctioneers: • Trial/Pilot Program: Offer free analysis on a selection of their upcoming lots to demonstrate value. • Tiered Access: Basic property info is free via the auctioneer site, with a clear call-to-action to your platform for full AI underwriting (for a fee or subscription). • Data Exclusivity (for a limited time): If they provide an early data feed, perhaps their listings appear on your "auction deals" section slightly before others. • Success Fee Model (Challenging but possible): A small percentage if a deal highlighted by your tool and bought by one of your referred users successfully completes. • Branding & Visibility: Prominent placement of your logo and tool on their website, marketing materials, and during auction events. For Property Crowdfunding Platforms: • Proof of Concept (POC): Offer to analyse a batch of their past or potential deals to showcase your AI's accuracy and insight generation. • Subscription Model for Deal Sourcing: A monthly/annual fee for ongoing access to your AI to identify properties matching their mandate. • Performance-Based Incentives: Bonus if properties sourced/underwritten by your tool meet certain performance metrics post-acquisition (e.g., achieve projected yield). • Non-Disclosure Agreements (NDAs): Crucial when dealing with their proprietary deal flow or investment criteria. • Integration Roadmap: Plan for deeper API integration if the initial partnership is successful. • Feedback Loop: Regular sessions to understand their evolving needs and refine your AI models to better serve their criteria. General Considerations for All Partnerships: • Start with a clear MVP of your partnership offering. Don't try to build complex integrations from day one. • Focus on building trust and demonstrating tangible value quickly. • Ensure all partnerships are compliant with UK regulations (financial promotions, data protection, etc.). • Have a dedicated person/team to manage partnerships as you grow.

1. Mortgage Brokers (Specialising in Buy-to-Let / HMO): Why: Investors using your tool will need financing. Brokers want qualified leads. Potential Partnership: Referral Program: Refer users needing mortgages to trusted brokers; brokers refer clients looking for deals to your tool. Integrated Finance Application (Future): Seamlessly pass investor/property details to a broker's system. Content Collaboration: Brokers provide expertise on financing for your blog/resources. Offer: Referral fees (ensure compliance with financial regulations), commission split, co-marketing. 2. Letting Agents & Property Managers (in the Top 25 high rental yields Hotspots): Why: Investors need management for their properties. Agents want new landlord clients. Potential Partnership: Referral Program: Connect users with vetted letting agents in their chosen hotspot. Data Exchange (with consent): Agents could provide anonymised local rental data to refine your models; you provide them with market insights. Featured Agents: Offer premium placement for trusted local agents on a platform and local landing pages. Offer: Referral fees, co-marketing, and featured listing fees. 3. Accountants & Tax Advisors (Specialising in Property): Why: Investors need tax advice for their investments. Potential Partnership: Referral Program. Content Collaboration: Articles/webinars on property tax, structuring investments. Offer: Referral fees, co-marketing. 4. Solicitors & Conveyancers (Property Specialists): Why: Investors need legal services for transactions. Potential Partnership: Referral Program. Integration (Future): Streamline passing property details for conveyancing. Offer: Referral fees. 5. Insurance Brokers (Landlord Insurance): Why: Investors need specialised insurance. Potential Partnership: Referral Program. API Integration: Get indicative insurance quotes within the tool. Offer: Referral fees, commission on policies. On-Demand Property Visit & Reporting Services: 6. Local Viewer: Why: Your users, especially those investing from afar or are too busy, will find properties through your AI tool but need them physically viewed, photos/videos taken, or basic condition reports. Viewber provides this nationwide service. Potential Partnership: API Integration / Seamless Booking: Allow users of your AI tool to directly book a Viewer viewing or report for a property they've shortlisted. Property details could be pre-filled. Referral Program: Offer a discount code for Viewer services to your users, and earn a referral fee. Viewber could similarly refer investors looking for deals to your AI platform. Bundled Service Offering (Advanced): For premium subscribers of your tool, perhaps include one free Viewber viewing or a discounted package. Co-Marketing & Content: Joint webinars/articles on "Remote Investing Made Easy: Combining AI Deal Finding with On-Demand Viewings" or "Due Diligence in the Digital Age." Feedback Loop: Viewer reports could potentially (with user consent and robust data structuring) feed anonymised, high-level observational data back to refine your AI's understanding of property conditions (long-term, complex). Benefits for our AI Tool: Enhanced User Experience: Provides a complete solution from deal identification to initial physical assessment. Increased Stickiness: Makes your platform more indispensable. Solves a Key Investor Pain Point: Especially for remote investors or those with limited time. Potential Revenue Stream: Through referrals or mark-up on bundled services. Benefits for Viewers: Qualified Leads: Access to active investors who have already identified specific properties of interest., Increased Booking Volume. Marketing Reach: Exposure to the user base. Association with Innovative Tech: Aligns them with an AI-driven platform. 7. Similar Potential Partners (On-Demand Property Services): Key-holding & Access Services: Companies that securely manage keys and grant access for viewings, inspections, or tradespeople (could be smaller local businesses or emerging national networks). Partnership: Referral for users needing key management, especially for HMOs or remote landlords. Snagging Companies (for New Builds): Professionals who inspect new build properties for defects. Partnership: If your AI identifies new build opportunities, refer users for snagging inspections. Inventory Clerks / Check-in & Check-out Report Services: Essential for landlords. Partnership: Referrals for users who have secured a BTL property. Drone Photography/Videography Services (Local Providers): For detailed external views, roof inspections, or marketing material for SA/HMOs. Partnership: Curate a list of approved local drone operators in our hotspots; facilitate bookings. Local Handyman / Minor Repair Networks: For quick fixes identified during viewings or pre-tenancy. Partnership: Offer a directory or referral to trusted local handyman services. 8. Property Staging / Furniture Pack Companies (especially for SA/HMO): Partnership: Refer investors needing to furnish properties quickly and cost-effectively. 9. Specialist Surveyors (e.g., RICS Chartered Surveyors, Damp Specialists, Structural Engineers): While traditional, the on-demand booking or streamlined referral could be an angle. Partnership: A curated panel of specialist surveyors in hotspots, with an easy referral mechanism. Potential Partnership Terms & Benefits (General for On-Demand Property Service Partners): Referral Fees/Commissions: A percentage of the service fee for referred business. Reciprocal Referrals: They refer their clients (e.g., landlords, developers) who might need deal-finding or analysis tools to you. API Integration for Seamless Booking. Technical: Requires API documentation, development resources, and testing. Benefit: Creates a smooth user journey, reduces friction. Co-Marketing Initiatives: Joint blog posts, webinars, and social media campaigns. Sharing content highlighting how the combined services solve investor problems. Exclusive Discounts/Offers: Provide special rates for users coming from your platform, and vice versa. Service Level Agreements (SLAs): If integrating deeply, ensure clarity on service delivery times, quality standards, and issue resolution. Data Sharing (with explicit user consent and strong data governance): Anonymised, aggregated insights from on-demand service reports could (in the very long term) enrich your AI models (e.g., common issues found in properties in certain areas). This is complex and requires careful consideration of privacy. White-Labeling (Less Common for distinct brands, but possible for smaller local services): We could offer service under any brand as part of a premium package. Why this Category is Powerful: Completes the Investor Journey: Your AI finds the deal; these services help with the "boots-on-the-ground" aspects. Addresses Practical Needs: Many investors are time-poor or investing remotely. Creates Stickiness: Makes your platform a more comprehensive solution. Drives Engagement: Users who book a viewing via your platform are highly engaged.

• KEY FINANCIALS (Partner Refis £217k Bridge + Funds Recon): OPTION A: FLATS OPTION A+: OPTION B: OPTION B+: (Asset Sale) FLATS (SPV) HMO/SA (Asset Sale) HMO/SA (SPV) Partner Funds £337,000 £337,000 £354,500 £354,500 Projected GDV £572,500 £592,500 £760,000 £780,000 (+£20k Premium) (+£20kPremium) Est. Net Profit ~£198,500 ~£218,500 ~£385,000 ~£405,000 Target Profit (Example) ~£119,100 ~£131,100 ~£269,500 ~£283,500 Target ROC % (Example )~35.3% ~38.9% (+3.6%) ~76.0% ~80.0% (+4.0%) • RENT & REFINANCE POTENTIAL (Based on Latest Rents): • 4 FLATS: Full partner capital return + kicker. Est. £13,728 p.a. net cash flow (total). • HMO/SA: Full partner capital return + larger kicker. Est. £15,960 p.a. net cash flow (total). (SA potential for higher income). • INVESTOR TAKEAWAY – DATA-DRIVEN DECISION: • Flats: Solid, de-risked returns (~35-39% ROC), simpler management. • HMO/SA: Exceptional ROC potential (~76-80%), leveraging surging local HMO rents. (Requires proactive HMO planning/licensing confirmation). • Both options benefit from the potential SPV Share Sale uplift. • TRANSPARENT DATA PROMISE • Market Data Source: PropertyData.co.uk (Dashboard Ref: xV19jjqV) • Sales Data: Sold Prices (CF37 2BW), Last 9 Months. • Rental Data (Flats & HMO): Achieved Rents (CF37 2BW), Last 9 Months. • Dashboard Generated: refreshed the xV19jjqV dashboard 08-Nov-2023, 10:30 AM • Other Sources: Houzy Ltd Internal Costings & Development Plans, Local Authority Planning Portal (Ref: 22/1466/10). Explanation of "Transparent Data Promise" Points for an Investor: 1. Market Data Source (PropertyData.co.uk): • Explanation for Investor: Market valuations and rental income projections are underpinned by independent, third-party data from PropertyData.co.uk, a reputable source for UK property analytics. This ensures assumptions are grounded in current market reality, not just internal optimism. • Dashboard Reference (xV19jjqV): screenshots from the specific dashboards (Ref: xV19jjqV) used for this analysis, allowing for full transparency on the comparable data points. 2. Sales Data (Sold Prices, Last 9 Months): • Explanation for Investor: Gross Development Value (GDV) for the 4-flat option is calculated using the average price per square foot (£182/sqft) derived from actual sold properties in the immediate CF37 2BW postcode over the most recent 9-month period. This provides a realistic benchmark for achievable sales prices. 3. Rental Data (Flats & HMO, Achieved Rents, Last 9 Months): • Explanation for Investor: Projected rental income for both the 4-flat and HMO/SA strategies is based on actual achieved rents for comparable properties in CF37 2BW over the last 9 months. To ensure our income forecasts are robust, we've referenced average figures for different room/property types (e.g., £600/pm for 1-bed flats, £625/pm for ensuite HMO doubles). 4. Dashboard Generated Date & Time: • Explanation for Investor: Commitment is to using the most current information to assess this opportunity. We acknowledge that markets are dynamic and will continue to monitor trends. 5. Other Sources (Internal Costings, Planning Portal): • Explanation for Investor: Reconstruction costs are based on detailed internal plans and quotations. The existing planning permission (Ref: 22/1466/10 for 4 flats) is publicly verifiable on the Rhondda Cynon Taf Council's planning portal, providing a secure foundation for the development.

Houzy Limited presents a meticulously planned, high-yield House in Multiple Occupation (HMO) development opportunity in the robust student and young professional market of Pontypridd, CF37 2BW. The latest local HMO data (PropertyData, last 9 months) indicates a "Landlord's Market" with rising rents and strong demand. Scenario 3: HMO (11 Units) - Funding Option 1 (Partner Refis Bridge + Funds Recon) • Funding Required from Partner: • To Pay Off Bridging Loan: £217,000 • To Fund HMO Reconstruction: £137,500 • Total Funding from Partner: £354,500 • Total Effective Project Capital Base: Partner's £354.5k + Houzy's Net Equity £84.6k = £439,100 (This remains the same as the total capital structure is consistent). • Exit Strategy C1: Sale of HMO • GDV: £820,000 • Less Partner's Capital: £354,500 • Less Sales/Legal Costs: £20,500 • Project Net Profit (before split): £820,000 - £354,500 - £20,500 = £445,000 • Example Profit Split (70% Partner / 30% Houzy): • Partner Profit: £445,000 * 0.70 = £311,500 • Partner ROC: £311,500 / £354,500 = ~87.9% • Houzy Profit: £445,000 * 0.30 = £133,500 • Exit Strategy C2: Rent HMO & Refinance • Refinance Amount (70% LTV of £820k): ~£574,000 • Partner Capital Repayment: £354,500 • Surplus from Refinance: £574,000 - £354,500 = £219,500 • This surplus can repay Houzy's £84.6k net equity and provide a kicker to the partner of £134,900 (which is the same kicker amount as before because the refinance amount and GDV are the same, and it's calculated after partner capital repayment). • Mortgage Houzy Services (after partner paid + kicker, Houzy equity out): £354,500 (partner) + £134,900 (kicker) = £489,400. Debt serviced by Houzy is £489,400. • Annual Mortgage Cost (£489,400 @ 7%): £34,258 • Net Annual Cash Flow (to Houzy): £57,540 (NOI) - £34,258 = £23,282 (Increased from £17,360 if partner takes a larger kicker because Houzy's mortgage is effectively what's left after the kicker and Houzy's equity has been paid out of the refinance surplus). • Alternative: If Houzy's mortgage is the full £574k - £ (partner repayment + agreed partner profit), the cash flow changes. The previous example assumed a specific kicker. If we assume the mortgage taken by Houzy is the full £574k less partner capital out and Houzy capital out: • Refinance £574k. Partner out £354.5k. Houzy out £84.6k. Kicker to partner £134.9k. • This means £354.5k + £84.6k + £134.9k = £574k. All capital is out. Property is 100% leveraged. • Net Cash Flow (with 100% leverage on value): £57,540 (NOI) - (£574,000 * 7% = £40,180 mortgage) = £17,360. This is the more consistent figure for total cash flow if aiming for full capital extraction for both parties. 1. The HMO Opportunity – Enhanced by Current Market Data: • Prime HMO Location: Proven demand - close to South Wales University, the town centre, and transport. • Strong & Rising Rental Market: • Double En-suite: Average £600/pm (Range £500-£700) • Double Room: Average £410/pm (Range £350-£550) • Local HMOs are 100% furnished, 100% include internet, and 77% include bills – our model will align with these market expectations. • High Yield Potential: This rental income underpins strong operational yields and a high GDV when valued as a commercial HMO. 2. The Property & Proposed HMO Conversion Detail: • Address: 16 Gelliwastad Road, Pontypridd, CF37 2BW • Proposed HMO Design Focus: To create a premium co-living experience, attracting quality tenants and justifying top-tier rents. This includes: • Modern, well-appointed en-suite and shared bathrooms. • Spacious, fully equipped communal kitchen(s) with ample storage and appliances. • Comfortable and stylish communal living/dining areas. • Dedicated laundry facilities. • High-speed broadband throughout (100% market expectation). • Durable, high-quality furnishings. • Compliance with all HMO licensing standards (fire safety, room sizes, amenities). • Planning Note: to engage with Rhondda Cynon Taf Council to confirm specific HMO change of use requirements and licensing for a property of this scale. The existing lawful use and prior flat planning provide a positive starting point for this discussion. 5. The Developer - Houzy Limited, in partnership with experienced HMO managers. 6. Project Team & Timeline: HMO focus is potentially a longer timeline for HMO-specific planning/fit-out. 7. Risk Mitigation (HMO Specific): • Planning & Licensing: Top Priority. Engage Rhondda Cynon Taf Council. Our strategy includes professional consultation to navigate this efficiently. • HMO Construction Costs: The £180k includes a 20% contingency. Detailed HMO-specific quotes from experienced contractors will be a primary task post-funding agreement. • Tenant Management & Voids: Given 100% furnishing and internet, and high bill inclusion (77%), we will factor in a robust, potentially bills-inclusive model. We will partner with or employ experienced HMO letting/management. • Market Strength: Current data shows a "Landlord's Market," mitigating void risks if product quality is high. 8. Next Steps & Due Diligence: We are confident this HMO conversion offers an exceptional return profile, underpinned by strong and improving local market fundamentals. A comprehensive Due Diligence Pack is available upon request, including: • Full Business Plan & Detailed Financial Model (showing these updated figures) • [Other documents • Key Enhancements in this Version: • Latest Market Data: Directly references the new £600 (en-suite) and £410 (double) figures, and the "Landlord's Market" sentiment. • Potentially Higher GDV: Justified an £815k GDV based on the stronger NAROI and a reasonable net yield. • Consequently, Higher Profit Figures lead to a more attractive ROC for the investor. • Specificity on HMO Standards: Mentions aligning with market expectations (furnishing, internet, bills). • Stronger Emphasis on Planning/Licensing: Acknowledges this as a critical early step.