Executive Summary for a Banker

Beka’s Real Estate Group, LLC is developing a mission-driven, cash-flow-positive rental housing portfolio targeting the “missing middle” segment—working families who earn too much to qualify for subsidized housing yet struggle to afford market rents.

The objective is to deliver financially sustainable, mixed-income housing while reinvesting operational surplus into community-benefit initiatives rather than shareholder extraction.

Market & segment positioning

Target population: households earning roughly 60–120% of Area Median Income (AMI). This segment is chronically underserved, leading to high displacement/turnover, school instability for children, rent burden, and downward mobility risk.

Market gap: demand for attainable rental housing is high, while supply is limited due to investor preference for luxury rent premiums, developers seeking high-IRR exits, and subsidy eligibility excluding non-qualifiers.

Operating model

BREG acquires and operates residential assets under a long-term hold strategy with:

• Fair-market-but-attainable rents
• Low vacancy risk due to demand depth
• Higher average tenancy duration (lower turnover costs)
• Reinvestment into maintenance, staffing, reserves, and stability

From a lender’s perspective, the model targets predictable cash flows, reduced turnover risk, reduced delinquency risk, and stable DSCR over time.

CRA alignment & partnership

The company intends to partner with banks under CRA-aligned lending pathways supporting workforce housing and community development outcomes.

One-sentence pitch

“We are building a CRA-aligned, data-driven, mission-based real estate operating company that targets the missing middle with sustainable rents, reinvests profits into community stability and educational mobility, and provides banks with reduced credit risk, reputational upside, and measurable community development impact.”