We Aren't Do-Gooders, But This Might Do Some Good

For most people, buying a home today feels like trying to climb a mountain with a backpack full of bricks. The biggest brick? The down payment.

Saving $100,000 in cash just to get in the game isn’t realistic for the majority of Americans. And renting, while more accessible, offers no path to ownership, no wealth-building, and no long-term security. It’s a system that works well for banks and developers — but not for the people who actually need a place to live.

That’s why we are pursuing a new vision for residential development. One that’s not just about building houses, but about reimagining how people access them. It’s a vision we believe is achievable — and one we are actively working to implement through one of our investment verticals.

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The Vision: Build Smarter, Design Better, Finance Differently

We are not trying to reinvent the wheel, we are just trying to make it roll a little smoother. The idea is simple: improve the home buying and ownership experience through three key innovations:

1. Process Efficiency: By involving the end user-- the future homeowner-- earlier in the development process, we can make smarter decisions about financing, design, and absorption. That means lower costs, faster timelines, and savings that can be passed directly to the buyer. It’s frontloading with purpose.
2. “Phantom Equity” & Rent-to-Own Innovation: What if renting could feel like owning? With phantom equity, it can. In our model, a portion of monthly rent builds toward a down payment, and renters benefit     from market appreciation — even before they officially own the home. It’s a contract structure that mimics the financial upside of ownership, without the upfront burden.
3. Multi-Generational Living by Design: Suburbs used to support multi-generational living.  Then they forgot how. We want to bring it back with homes designed to flex-- with layouts that allow for separate units under one roof. Whether it’s an adult child, a parent, or a renter helping offset costs, this model makes housing more attainable and more useful.

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Why It Needs to Be Done

Because the current system isn’t working. Because the profit incentives in traditional development don’t motivate solving the affordability crisis. Because there’s demand — real, measurable demand — for housing that’s smarter, attainable and more aligned with how people actually live.

And because we’ve seen firsthand how this can work. In 2010, Dan bought a property with a carriage house, lived in the back unit, and let the front unit pay the bills. That experience planted the seed for this vision — one rooted inflexibility, efficiency, and financial empowerment.

We are not trying to be do-gooders. But it turns out, when you build better, you do good. When you shrink the number of people who need to make a profit, investors do better. When you design for real life, families thrive. And when you innovate on process, everyone wins.

The Opportunity Ahead

Oxford could be the model. If we have 400 potential units, we could probably quickly build a list of about 700 people who want in. That’s not just demand —that’s momentum. And It’s executable. If we can build a system with all of these innovations, it wouldn’t just be a win for the consumer, it would be a win for everyone.