This business plan proposal seeks participation to address issues of high youth unemployment and homelessness through a social enterprise focused on green construction and renovation. The plan involves training homeless youth in renovation skills while providing transitional housing, with the goal of obtaining living-wage jobs and permanent supportive housing. Profits would be reinvested to continue the cycle of purchasing, renovating, and selling residential properties to build equity for youth and improve neighborhoods.

1. Participation is invited in a Business Plan, Solving a Number of Problems,
Not the Least of Which is High Youth Unemployment and Homelessness,
including issues regarding the Environment, Transportation and Foreclosures
We don't believe that all social issues can or should be solved with an intent to make
money. There are some institutions that are better left in the State's hands. Yet, there are
some problems which cannot be solved by the State. Still there are others where the
non-profit sector, for as much money as it has spent on the problem is not able to solve
it, because of the market and personal forces which create the problem. Such is the
problem of the lack of foster care homes, and supportive housing for emancipated youth.
Therefore our plan comes at the resolution of high youth unemployment and
homelessness from the direction of the market. This plan just so happens to be one
which is self-sustaining in it's solution. It is also one that creates self-sufficiency
in youth, builds dignity and a sense of self worth through the actual experience
and participating with others in solving of one's own problems.
How Easy it is to Create an Inclusive Economic Environment, with Access to
More Affordable Housing & Living Wage Jobs. All we need is to “close the circle(1)”
to make this program cycle the benefits to be had. Will you help us close the circle?
Slide 1

2. Internal / External Corporations
There is only one corporate entity internal to the business plan.
That entity is the non-profit, 501(c)3*, Homes for the Upwardly Mobile (HUM).
The other entities are appurtenant to this one, but integral to it's mission and function.
Internal External
Homes for the Prospective Homeowners
Upwardly Mobile (HUM) Association
(the non-profit) (a mutual benefit society)
Competitively The Endeavor
Priced Residences Housing Cooperative
(an internal department) (A California Corporation)
Slide 2 Exhibit 1

3. Homes for the Upwardly Mobile (HUM): a social enterprise,
targeted towards sustainability, providing on-the-job training
for homeless youth in the Green Construction industry
A non-profit, managing Green Renovation Projects
consisting of single & multi-family Residential Properties
● Providing Transitional Housing, by allowing pre-staged workers to live/work on-site.
● By and through this training, youth will obtain living wage positions, and thereby the
● Earnings to rent at rates less-than-market, group or individual residential living, thence
● Effectively gaining Permanent Supportive Housing, with an additional option to have a
● First Right of Refusal to purchase shares in the cooperative that owns the properties,
● Whereby they will no longer be homeless, having sufficient income, and education so
● As 18-24 year olds, they gain an opportunity to begin building equity for their future
● So, as it rehabilitates properties, HUM is rehabilitating lives & the regional economy
Slide 3

4. Unaffiliated and Aligned Organizations
Performing tasks for the Mission & on behalf of our Clients, with the cooperation of others
HUM PHA
CPR
Property
Owner
Endeavor
Lender
Funding Mutual Benefit
Society, Home
Renovation Ownerless
Management LLC Advocacy Group Market Equity
Department & R.E. Buyer Club Housing
Cooperative
Non-Profit Hire Contractors & require them
to hire youths to receive on-the-job
training & perform service
Housing Product or Service Sales
to public, workers & for banks or Realtors Exhibit 2
Slide 4

5. Transform Lives through Education and Mentoring. Empowering
Youths and Families to Develop a Business by Helping Others
Homes for the Upwardly Mobile (HUM): A non-profit
“social enterprise”, transforming the lives of disadvantaged youth .
HUM identifies currently homeless youths ready to work, by partnering with agencies
that work directly with this population, as long as they're able to be trained in Green
Construction, by our construction contractors, who supervise their work.
For those whom HUM contacts who want to improve their lives,
it will provide transitional housing, and an opportunity to learn.
Then HUM provides an opportunity to earn by performing job tasks under qualified
supervision on Green construction jobs in the geographic areas in and around
San Gabriel Valley, Los Angeles County, California.
Whereupon they will help create their own permanent supportive housing, and through
this, create a process by which they are involved in helping others like themselves.
Slide 5

6. Parties to the Transformation
These are the parties to the process, which creates the circle of change
H G F
A Angel Home Buyers, Blanket The Endeavour
Investment who themselves Corporate Housing Cooperative
Group worked on projects Mortgage
B C D E
Competitively Organization 2
Organization 1 Prospective Homeowners
Homes for the Priced
Bank's REO's Residences 501(c) 6
Upwardly Mobile a mutual benefit organziation
(a HUM Dep't.)
(HUM) 501(c)3
Slide 6 Exhibit 3

7. Youth will learn aspects of running their own business, and more
than just the fundamentals of budgeting, insurance & finances
As Stakeholders, Becoming Responsible Owners
As Business, Property and Financial Instrument owners, participating youth will have the
opportunity of learning to run a business, teaching how to do it & investing in others.
As newly renovated properties are sold to Endeavor California Housing Cooperative,
youth workers will be offered the first right of refusal to purchase shares in this housing
cooperative, which will grant them ownership and teach them management of the
residential properties that they themselves renovated, making them self-reliant.
As the asset base of Endeavor California Housing Cooperative is built up, the
shareowners of the co-op will learn to leverage these assets, by borrowing against them
to loan funds back to the non-profit. It will require additional investors' participation as
well, giving local neighbors the opportunity to invest in these worthwhile redevelopments.
This in turn continues the cycle of purchase, renovation and sales of residential units to
their co-op, while assisting other youths to obtain the same opportunity they themselves
were provided, enticing neighbors to invest, so as to improve their own neighborhoods.
Slide 7

8. Processes in the Circle of Change
N-P. Borrows to Hire & Train Workers Receive Co-op Leverages
Purchase REO's Youth Workers Right of Refusal Asset Values
Borrow Again to Sell Renovated Co-op Manages Co-op Loan Funds
Renovate REO's REO's to Co-op Property Assets Non-Profit Needs
& Other Buyers
Non-Profit Pays Co-op Refinances
Investor Loans Blanket Mortgage
Slide 8 Exhibit 4

9. Multiple Benefits Realized by Enacting Plans: Good Jobs, Affordable Homes,
Lower Transportation Costs, a Sound Economy, a Healthy Environment,
the restructuring of bad mortgages & the retention of family homes
Real Estate Investment Trusts (REIT's),
Property Management and Asset Management Processes
In the way that the cooperative itself becomes a business, it is not unlike a REIT. But
while a REIT must redistribute the majority of it's profits on an annual basis, the co-op
can sell shares, reinvest any earnings and leverage values, earning more.
It performs not only as an affordable home production company for the employment of
previously homeless youth, in starting small it can afford to function as a property
management company for it's own properties, eliminating the need for any middleman.
As an asset management company, it leverages the maximum amount of value in the
properties by lending money to the non-profit, which in turn purchases additional
Real Estate Owned by banks (REO's) and pre-foreclosure (Short Sale) properties owned
by individuals and corporations for renovation & eventual sale to the cooperative itself.
Short Sale properties will become leased by their original owners, saving family homes.
Slide 9

10. Self-Funding Business Services
We are looking for opportunities to self-infuse with multiple avenues of income,
to strategically grow opportunities for the non-profit to establish itself.
Slide 10 Exhibit 5

11. Renovation projects will be developed initially on small multi-family
buildings, that are in REO Status, in order to provide multiple benefits
to the local community, not the least of which is jobs
Community Redevelopment: Improving older homes that have been foreclosed,
or those which are in a state of pre-foreclosure. It expands buildings on existing
properties, making more living space, while allowing existing owners to sell their
properties to the cooperative, and allowing those owners to buy shares in the co-op.
Therefore, this process shores up existing owners with financial difficulties, while
improving the housing stock throughout the region and solidifying values nearby.
As it revitalizes neighborhoods, it is utilizing new and recycled materials that emit low
Volatile Organic Compounds (VOC's) and enhancing the buildings' “envelopes”, by
repairing & updating buildings to their “bones” in a fashion so as to reduce utilities use,
by installing heavy-duty insulation in the walls and ceiling areas, and by creating low
water usage environments outside the buildings and inside of them.
(Following the CalGreen Code enacted in 2010, which becomes the law for 2011).
Slide 11

12. Loans and Donations
(1) Otherwise, we are seeking loans to establish the self-sufficient business entity,
which will in turn develop the funds to continue the processes outlined in this plan.
Who do you know who would invest in the leaders of tomorrow, by helping youth in
need today? (Verify with your accountant whether they are tax-deductible to you.)
Call Gary Cook, Founder (626) 414-4127
Donate to our PayPal account, by e-mailing your donation through PayPal,
to PayPal at YouthJobsHomes.info. Or you can loan funds to our building dep't.
(*Your donation is not tax-deductible, until our 501(c)3 application is approved.)
Note: We're currently seeking a “Fiscal Sponsor” to speed our process along.
Slide 12

13. As the Organization Grows:
Employee Benefits & Alternative Services
We plan to treat each worker as an employee of the non-profit, but lease them to
contractors. We will create a health and retirement program (403B) for all of those who
stay on as employees of the non-profit. As well, to educate and provide an opportunity
for workers to purchase insurance and retirement products to supplement their
organization provided benefits. The goal here is to self-insure at sometime, not providing
funding to insurance carriers, that go to their profits and not support their insured.
Further, opportunities to create neighborhood-based homes to support physical and
psychological care of residents of areas we renovate in, to support local citizens and
their families, including foster homes. This will give workers the opportunity to learn and
practice skilled trades in human service industries. These rehabiliation or care homes
will be owned or managed by the non-profit, offering jobs to workers, in these areas:
Board and Care for Terminally-ill Assisted Group Living for the Elderly
Long Term Rehabilitation In-home Care
Adult and/or Child Day Care Alzheimers Care
Slide 13

14. HUD “First Look” program
U.S. Housing and Urban Development (HUD) Secretary Shaun Donovan has announced an
agreement with the nation’s top mortgage lenders to offer selected state and local governments,
and non-profit organizations a “first look” or right of first refusal to purchase foreclosed homes
before making these properties available to private investors.
The National First Look Program is a first-ever public-private partnership agreement between HUD
and the National Community Stabilization Trust (Stabilization Trust). In collaboration with national
servicers, Fannie Mae, and Freddie Mac, the First Look program is intended to give communities
participating in HUD’s Neighborhood Stabilization Program (NSP) a brief exclusive opportunity to
purchase bank-owned properties in certain neighborhoods so these homes can either be
rehabilitated, rented, resold or demolished.
“This groundbreaking agreement will help rebuild neighborhoods that have been struggling with
blight and declining home values due to foreclosures,” said HUD Secretary Donovan. “Local
communities will now get an exclusive option to buy foreclosed properties in targeted
neighborhoods so they can turn the homes into affordable housing or, in some cases, tear them
down. This agreement helps us level the playing field to give communities a better chance to
stabilize these neighborhoods.”
Wed, 2010-09-01 14:47 – from National Mortgage Professional
Slide 14

15. The July 12, 2010 HUD Ruling
After expressing interest in a property, the First Look Period will last approximately five to
12 business days during which the NSP Grantee will conduct inspections and establish
costs to repair in anticipation of the financial institutions price offer. In the event that no
NSP grantee exercises its preference to purchase an REO property during the First Look
period, the financial institution will follow its normal process to sell the home on the open
market.
Currently, the Federal Housing Administration (FHA) offers a complementary pilot
program in which NSP grantees receive an exclusive option to purchase so-called HUD
Homes at a discount prior to those homes being made available to the investor
community. The FHA pilot, alongside today's agreement expands the opportunity for
NSP grantees to gain access to REO properties through a national first-look standard
option.
(Page 2 of 4 – HUD First Look program)
Slide 15

16. HUD First Look program
HUD's Neighborhood Stabilization Program was created to address the housing crisis,
create jobs, and grow local economies by providing communities with the resources to
purchase and rehabilitate vacant homes. NSP grants are helping state and local
governments, as well as non-profit developers, acquire land and property; demolish or
rehabilitate abandoned properties; and/or offer down payment and closing cost
assistance to low to middle-income home buyers.
Grantees can also stabilize neighborhoods by creating "land banks" to assemble,
temporarily manage, and dispose of foreclosed homes. To date, HUD has allocated
nearly $6 billion in funding to state and local governments and non-profit housing
developments. In the coming weeks, HUD will allocate an additional $1 billion in NSP
funding, which was provided through the Dodd-Frank Wall Street Reform and
Consumer Protection Act.
(Page 3 of 4 – HUD First Look program)
Slide 16

17. HUD First Look & Neighborhood
Stabilization Program (NSP) References
http://portal.hud.gov/portal/page/portal/HUD/press/press_releases_media_advisories/2010/HUDNo.10-251
http://www.hud.gov/offices/hsg/sfh/reo/mm/mmIIIfirstlooksales.pdf
http://portal.hud.gov/portal/page/portal/HUD/topics/grants
http://www.hud.gov/offices/hsg/sfh/reo/npogovfaq.pdf
http://www.hud.gov/offices/hsg/sfh/reo/abtrevt.cfm
http://hudnsphelp.info/index.cfm
From Homelessness to Helping
Others Like Themselves, with
your help!
Slide 17