Mortgage

• Another valuable feature of the Avantis Nest platform is its planned support for a mortgage model in the near future. Investors will have the option to pay off the principle and own the properties while being obligated to make mortgage payments for a period of 5 to 20 years.

• Pre-approval: The first step in the mortgage process is getting pre-approved by Avantis. This involves providing information about your income, employment, and credit history to Avantis, who will then determine the maximum loan amount you qualify for.

• Properties appraisal: Before Avantis will approve the loan, we will need to have an appraisal done on the property to determine its value. The Avantis Nest platform will use an algorithm to calculate the appraisal price of the properties based on their revenue generation potential and give a loan to the token holder with a loan-to-value ratio ranging from 40-70%.

• Underwriting: Once the appraisal has been completed, Avantis will review investor’s application and all the supporting documentation to determine whether or not to approve the loan.

• Closing: Once the loan has been approved, investor will need to deposit the deed token to Avantis.

• Repayment: After closing, investor will begin making mortgage payments to Avantis each month. Repayment can be deducted with dividend payment from Avantis and investor pay only the difference. The payments will include interest and principal.

• Once the repayment has been completed, the Avantis Nest platform will automatically transfer the digital deed token to the investor and terminate the loan contract.