The Rent Gap Is the Return — Prospera Advisory Group
PROSPERA ADVISORY GROUP
Private Offering · Verified Accredited Investors

Millions of working Americans can't afford an apartment.
Filling that gap is the return.

We convert single-family homes into furnished co-living residences for the workforce — and structure each property so one investor receives 90% of its cash flow until their capital is fully returned.

The Shortage
Hospital techs, warehouse crews, service professionals — priced out by deposits, 12-month leases, and rents outrunning wages.

Their alternative today is an extended-stay motel at twice the cost. A furnished room, rented by the week, utilities included, is housing they can actually say yes to.

The Return
8% preferred return, paid first. 90% of cash flow until your capital comes back. Then 20% of cash flow for 60 more months.

One property. One investor. Your position recorded on county title.

Why Workforce Housing

Demand this deep doesn't need a marketing budget.

The return isn't engineered — it's the natural output of housing people who have very few options and a paycheck to spend on the one that works.

The gap is structural

Rents in working-class metros have outrun wages for a decade. The market builds luxury units; nobody builds a $170-a-week furnished room. The shortage isn't cyclical — it's the design of the housing market.

The resident wins first

No security deposit. No 12-month lease. No utility setup. A private bedroom with a smart lock, professionally managed, at roughly half the cost of the extended-stay motel down the road.

Full rooms are the yield

Six rooms renting weekly out-earn one family lease on the same house — meaningfully. That income spread, professionally managed, is what funds your preferred return and pays your capital back.

"The model only pays investors because it works for residents. That alignment — not a spreadsheet — is what makes the cash flow durable."

The Structure

Your money, in the order it moves.

Every distribution follows one written sequence — yield first, capital second — tracked on a ledger you receive with every payment.

Phase 1 · Paid First
8% preferred return on your outstanding balance, non-compounding, satisfied before anything else moves.
8% preferred
Phase 1 · Cash Flow
90% of net monthly cash flow to you; the remainder above your preferred return reduces your capital balance every month.
90 / 10 split
Phase 1 · Capital Back
Target full return of capital through monthly distributions. Timing depends on property performance; a refinance may accelerate it.
5–7 yr target
Phase 2 · Upside
With your capital back in your pocket, you keep 20% of net cash flow for a fixed 60-month payout period.
20% × 60 mo
Memorandum of Interest recorded on county title — in a voluntary sale, your claim is paid from escrow before proceeds reach the manager.
Written consent required for any sale below market value, added debt, or new equity.
Capital calls capped at 10% of your original investment.
Simple annual 1099 — no K-1, no filing delays.

Straight talk: this is an equity investment. Return of capital and the preferred return are not guaranteed and depend on property cash flow. The Memorandum of Interest is not a lien and does not provide priority over the senior mortgage lender in a foreclosure. All figures are targets, not promises.

Do Your Diligence

Three videos. The whole structure, explained.

Watch before the call, or after — either way, bring your questions. We'd rather you show up skeptical and informed.

The Opportunity

Why workforce co-living and how one property pays one investor. Start here. ~8 min

The Structure & FAQ

The Equity Participation Agreement clause by clause — preferred return mechanics, capital return paths, protections, and the questions investors actually ask. ~8 min

EPA vs. Syndication

An honest comparison — including where a traditional syndication beats us, and who this structure is not for. ~8 min

Next Step

A 30-minute Capital Fit Call. That's the whole ask.

We walk the deal

The current property, the underwriting, and exactly how the structure pays you — with the real numbers, not the highlight reel.

You take the documents

Full agreement, underwriting, and risk disclosures go to your attorney and CPA. We expect you to have them reviewed.

Verification, then funding

Federal law requires third-party verification of your accredited status before we accept a dollar. Then funds move, your interest is recorded, and your monthly ledger begins.

If workforce housing fits your capital, 30 minutes will tell us both.
Book a Capital Fit Call
Ralph Abbott III — Founder & Chief Investment Officer, Prospera Advisory Group

This webpage is an advertisement for a private offering of securities made in reliance on Rule 506(c) of Regulation D under the Securities Act of 1933. Securities are offered and sold only to accredited investors whose status has been verified in accordance with Rule 506(c). This page is a summary only; any investment decision should be made solely on the basis of the offering documents, which contain complete terms and risk factors.

All return figures, including the preferred return, cash flow split, and capital return timeline, are targets based on current assumptions and are not guarantees. Actual results may differ materially. Investments are illiquid, involve substantial risk including loss of principal, and are subordinate to senior mortgage financing. Prospera Advisory Group is not a registered broker-dealer or investment adviser. Consult your own attorney, CPA, and financial advisor before investing.

© 2026 Prospera Advisory Group · prosperainvestment.com