Like our namesake implies, we seek to benefit both the successful and the striving. Our Standard (on loan from Julius Caesar) signifies our respect for honor, integrity and fiscal strength. And like many things from ancient Rome, we didn’t invent Real Estate funds– we just improved them! SPQR Financial is the culmination of 34 years of real estate, property management and construction experience.

For over three decades, we have bought, built, managed and sold thousands of residential properties. We have tested different models, developed different systems of checks and balances and refined our process over and over again.

While SPQR was officially created in 2017, its roots go back 34 years and 3000 miles farther (to Orange County, California) where we still maintain our headquarters. Starting as just a simple construction company, we quickly expanded our craft to include short and long term acquisitions, distressed property (and community) conversion and even leadership rolls in local and community management. Our founders each bring a unique skill set that both compliments and challenges one and other and produces an efficient, effective and solid organization that has already proven itself through the most demanding economy of the last 80 years.

Today there are more REITS and investment funds than at any time in history. The reason for this is simple. Laws have changed and REIT founders can (and do) make a fortune in up-front and management fees. They accomplish this by luring in even savvy investors with the promise of high returns and “guaranteed” security. In reality, most of these funds are concealing a dangerous truth:

The money they are paying you is not profit. It is OTHER INVESTORS MONEY.

Yup. That ‘7% return’ that enticed you in the first place is not profit – it’s the next investors capital and if this idea sounds familiar it’s because it is! Charles Ponzi invented the scheme nearly a century ago and more recently Bernie Madoff brought it to the billion dollar level by selling GREED to IGNORANCE. The difference today is that it is not only possible to do this legally, it’s pretty much standard practice. In fact, fund managers can legally charge huge upfront fees, commissions and draw from new investor capital SO LONG AS they disclose it. And disclose they do… Deep in the hundreds (thousands) of pages of text, if you look (see page 7 & 67) hard enough, you can find it. But most bank on the fact that you won’t, or that you’ll assume that because it’s registered with the SEC, it must be okay. It’s not and it stinks.

SPQR came to exist out of this frustration and the aggravation that so many investors are being led down a path that enriches the fund managers and effectively loots the other investors. Our funds are built debt free, backed by hard (verifiable) assets and transparent. We pay from profits (not other investor’s money), we buy only quality property and our representations are easily verifiable through independent, government web pages such as PAPA, Sunbiz and (of course) the SEC itself. At these sites, anyone can verify the true ownership of our assets, mortgages (or the lack thereof, in our case), state and federal filings, etc – all from your own computer and all from independent, and verifiable sources.

As a SPQR investor, you will never be in the dark about what you are a part of, what we own, where it is or how it’s doing and if you are fortunate enough to be a SPQR resident, you’ll have a pathway to actually owning that is unlike anything in the industry and from a source with a decades old track record.

Homes have a price, but the self-worth and dignity of homeownership is priceless.

SPQR funds make it possible for investors to enjoy very favorable and secure returns while simultaneously creating homeownership possibilities for families who might otherwise NEVER own. Win-win beliefs are core to our values, but our principles, ideals and moral compass can actually be summed up in just 12 words:

It really just comes down to that.

MOST REITS and investment funds are registered with the SEC and this designation gives investors the idea that someone (in an official capacity) looked it over and approved the prospectus, financials, filings, etc. Unfortunately, this is where the confusion begins because it is actually NOT the SEC’s job to determine good or bad investments. It is up to the investor and it is these same filings where fund managers conspicuously conceal (in the hundreds or thousands of pages) truths like:

• The fund is leveraging its properties with mortgages

• The promise to pay investors a fixed rate of return (such as 7%) is not a function of the actual profits. Instead, it is being paid with new investor capital that will have to be paid back when the fund sells its properties (see page 7)

• If the fund does not appreciate enough to pay back all of the money it borrowed, the losses will be taken from YOUR capital

• Fund managers get paid at the BEGINNING (when funds are raised) – regardless of whether or not the fund actually makes a profit.

• And the best part….Fund managers can pretty much charge whatever they want.

The SPQR model differs in nearly every way. To begin with, we build our funds on the premise that it is a surplus of debt (not the absence of revenue) that crushes businesses. From there, we identify property (communities) that are distressed for reasons that we can actually fix. Lastly, we fill our units with residents who have a shared-equity stake in the unit using a proprietary ‘lease-to-own’ program.

Here are some additional highlights:

• CAPITAL: We operate on a 95/5 ratio meaning that only 4-5% of the revenue we raise is used for program costs & set up. The remaining 95% is used exclusively to buy real estate. Compare this to other funds, which can be more like 75/25.

• DEBT: At no point do we EVER leverage or encumber our properties. They start out debt free and they will remain that way throughout the life of the fund.

• PROFIT: SPQR shares in profits ONLY when they are actually made.

• SECURITY: Capital is the first $$$ to be returned. Profits are paid only AFTER Investors have been made whole. (many funds calculate “profit” differently).

• DIVERSITY: Each SPQR fund is relatively small ($2-$5MM), uniquely named and composed of slightly different types of real estate. Early funds will focus on single family residences however later funds may include apartment complexes or entire communities.

THE SPQR MODEL

• RESIDENTS While nearly everything about SPQR differs from other funds, one area in which we really shine is how we treat our residents (tenants). In concert with our mission (honor God in what we do and bring value to what we touch) we make homeownership a very real possibility for our residents. SPQR tenants usually have an option to buy the property they are leasing at a predetermined price and they receive a purchase incentive of roughly 1% per year (up to 10 years) such that after 10 years, they have accumulated a 10% down payment.

• WIN-WIN

  • SPQR residents have the security of a predictable rent, a predetermined purchase price, passive savings and a built-in down-payment assistance. They have up to 10 years to exercise their purchase option, can terminate their lease annually, are responsible for minor maintenance in their units and have the satisfaction of knowing that with every rent payment, they are getting closer and closer to owning.

  • SPQR investors also have a predictable rate of return from rents and a scheduled rate of return from the ultimate liquidation of the property. Whether the resident elects to buy in a year (or 10), the fund will make an excellent return and if the residents elects not to buy (or just walks), we can either sell it to another prospect or (because we have NO DEBT) continue leasing the property if the market proves inhospitable to selling.

• BOTTOM LINE Our funds reward and protect the investors and provide value to the residents. Other REITS and funds will HAVE to liquidate at a set time because of accumulating mortgage and investor debt and they are gambling that the market will be good when they do. SPQR, on the other hand, will liquidate at a time of OUR choosing (not the banks) which means that on the 10 year anniversary, if the market stinks, we’ll wait a little longer BECAUSE WE CAN. Warren Buffet is quoted as saying “Only when the tide goes out, do you discover who’s been swimming naked” and when the market changes (as it always does) SPQR investors be in the unique position of not having to worry about their capital, investments or returns because we won’t be swimming at all. We’ll be comfortably sailing through the changing tides.  

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SPQR Financial, LLC
17284 Newhope #222
Fountain Valley CA 92708

Tel. 714-241-7368