Prework in Community is listed differently than above? We don't feel ready to answer these questions above, but did feel we could answer "Week 5 Pre-work" from "Community" Week 5 Pre work: Primary Lane: Buy and hold rentalsYES Standards: - >4% cashflow, AND 30% AAR @ 10 years - Must BRRRR - Must have money back in 6 months - Must require less than 25k from us - Must be simple enough for low on site time and remote management - Must be B- class neighborhood or better NO Triggers: - Not enough info - Difficult to remote manage - Major plumbing - Major water damage - Major electrical - Major mold Structure Audit -Time - 3-5 recurring actions required for primary lane (rentals) o Property search and underwriting o Phone calls o Wholesaling - How many hours do these actually require o 2 hrs per day 5x a week - Where will those hours come from on a bad week? o Trying to figure that one out. They are all bad weeks and we’re having trouble keeping up - What currently on your calendar conflicts with this? o Day jobs o Gym o Time with daughter o Chores and errands o Any form of relaxation Structure Audit – Money - What cash must remain untouched to operate safely? o HELOC - What money is required monthly to sustain your lane o Past the 25k initial investment there should be no additional requirement - What expenses or obligations quietly compete with this plan? o Vacation o Classes for daughter o Rebuilding safety net o Trying to do 2 projects at once: Multifamily in Columbus, Move/Mid Term Rental in Las Vegas - What breaks first if income is uneven for 90 Days? o Move/Mid Term Rental in Las Vegas Guardrails (Non-Negotiable) - One rule that protects your time: o Fewer/shorter phone conversations - One rule that protects your cash: o No restaurants! - One rule that protects your energy: o Asleep by 11:30 up by 6:45 – no exceptions! - One rule that protects your decision quality: o Stick to the “Yes” and “No” requirements.

Completed

I believed there would be mulitple Columbus BRRRR 4plexes, in B- or better neighborhoods, built after 1950, that beat the 1% rule - just screaming out at me on Privy and Crexi. (on market)

Geoff & Tessa Week #4 Homework: 2/9/26 Primary Lane: - Buy & Hold Rentals “Yes” Standards: - Must be BRRRR - Must have money back in 6 months - Must cashflow>4% AND AAR>30 at year 10 - Must require <25k from us (for immediate future) - Time requirement – must be able to be handled (mostly) remotely, by others - Must be B- class neighborhood or better. “No” Triggers: - Less than 4% Cashflow OR Less than 30% AAR @10 year - Not enough information to make a 100% solid decision (for right now – lower risk until capital comes up) - Requires knowledge or work outside the expertise or our trusted network - Requires significant time on site by us - Severe water damage - Severe electrical - Heavy mold - Severe plumbing - Foundation issues Decision Filter: YES standards -> No Triggers -> Constraint Check -> Pause if needed Deal Quaility/Buy Box Fit->Risk+Downside->Execution Complexity->Time Capacity->exit plan->Cash+Reserves Week 5 Pre work: Primary Lane: Buy and hold rentalsYES Standards: - >4% cashflow, AND 30% AAR @ 10 years - Must BRRRR - Must have money back in 6 months - Must require less than 25k from us - Must be simple enough for low on site time and remote management - Must be B- class neighborhood or better NO Triggers: - Not enough info - Difficult to remote manage - Major plumbing - Major water damage - Major electrical - Major mold Structure Audit -Time - 3-5 recurring actions required for primary lane (rentals) o Property search and underwriting o Phone calls o Wholesaling - How many hours do these actually require o 2 hrs per day 5x a week - Where will those hours come from on a bad week? o Trying to figure that one out. They are all bad weeks and we’re having trouble keeping up - What currently on your calendar conflicts with this? o Day jobs o Gym o Time with daughter o Chores and errands o Any form of relaxation Structure Audit – Money - What cash must remain untouched to operate safely? o HELOC - What money is required monthly to sustain your lane

Geoff & Tessa Week #2 Homework: 2/2/26 STRESS TEST SCENARIOS: Income Shock (25% income reduction): What breaks first? - Travel. Dining out/entertainment. Non negotiable? - Child’s private school, keeping the house What assumptions from last week get exposed? - Do we really make as much as we think? Expense Shock (5-10k hit) Where are sudden and unavoidable expense increases most likely coming from? - repairs (home, rental, car), medical, food. What hurts the most? - Food in/(greed)flation. What expenses are not stable that you thought were? - Property tax/insurance Time Compression (adding 5-10 additional hrs of responsibility per week) What breaks first? (in order): - The dreams (work towards other, more satisfying careers: real estate investing, music, volleyball business, writing…) - Health (diet, exercise, meditation, house/car cleaning, etc…) - Relationships (family time, friends) - WHAT DO WE ALLOW TO BREAK LAST? – THE CRAPPY JOB THAT’S ALREADY HINDERING ALL THE OTHER MORE IMPORTANT THINGS!!!! FUNNY HOW THAT WORKS OUT! HAHAHA!What commitments were never realistic? - Music work, some house projects, some cooking and fitness goals… Capital Lockup (capital unavailable for 12 months) What decisions become impossible: - Not impossible – just more difficult and delayed: buying and rehabbing. Which options completely disappear? - Nothing, but our control over the timeline disappears, or is greatly diminished. What pressure shows up first: - Trying to bring in more work and tightening our belts to save more. Trying to raise more from other investors FRAGILITY MAP: What breaks first: - Dreams, Entertainment, Health, Relationships – in that order What survives: - Day job, some chores. What actually matters: - Relationships, Dreams, Health, Entertainment (part of health in many ways) – in that order. GREATEST CONSTRAINT RIGHT NOW: - In order: Capital, Cashflow, Time, Emotional bandwith – but really, we’re pretty low on all of them! Ha! WEEK 3 PRE-WORK

Geoff & Tessa Week #3 Homework: 2/9/26 Primary Constraint: - Capital “No” Triggers: - Less than 3% Cashflow OR Less than 30% AAR @10 year - Not enough information to make a 100% solid decision (for right now – lower risk until capital comes up) - Requires knowledge or work outside the expertise or our trusted network “Yes” Standards: - Must be BRRRR - Must have money back in 6 months - Must require <25k from us (for immediate future) Decision Filter: YES standards -> No Triggers -> Constraint Check -> Pause if needed Weekly questions: 1. What we did: - Got investment contractor recommendations - Set syndication lawyer appointments - Studied Privy - Locked down 60 of 80k outside needed - Talked with lender JV options 2. Proof - Dylan - Brad - Did it (Started Last Week, Finished this week) - Nolan, Oscar, Parents. - Diversified Financing Solutions 3. Biggest win this week: - Discussion with Diversified Financing Solutions 4. Biggest challenge/where we’re stuck - Making time. 5. What we commit to before next call: - Have looked at 2, 4plex deals with lender