Caviar — one investment, dual profit!

What is Private Real-Estate Lending
It is a short-term loan made at a higher interest rate to bridge the gap between when money is required by the builder and when funding for an investment becomes available.

Why even use it?
What do you do when you do not get a loan from the bank or there is no loan available for you? You take a Private Real Estate Loan. For these types of loan, you need a personal guarantor and some real estate property as collateral.

Company History
Caviar is the successor to Caviar Capital LP, a real estate debt fund operating since 2013. In last 5 years, Caviar has successfully financed over 20 20 redevelopment projects. With a 0% default rate, 0 late payments and an average IRR (internal rate of return) of 16% per annum, Caviar Capital provides its clients and investors a stable, income-producing and dependable vehicle for financing and investments.

BUSINESS MODEL
Caviar combines digital currency and real estate together via a single Token on Ethereum Blockchain. They focus on providing users with a diversified, risk-adjusted, data-driven portfolio with exposure to both stable real estate and select Cryptocurrencies and crypto-assets, maximizing return on investment while hedging against markets downturns.

The Caviar platform allows real estate developers to raise money for their own projects using a crowdfunding feature. At the same time, Caviar token holders could participate in such projects and earn interest.

ADVANTAGES
Caviar provides diversification to the investor by allowing them to invest in real-estate via the fund’s exposure.
Caviar unique feature is to shift funds from real-estate to Cryptocurrency and vice versa depending on the market wavelength. So, the user of the Caviar token gets dual market exposures via real-estate and Cryptocurrency.

Dual purpose with strong upside
With single token user can invest in both real-estate and Cryptocurrency market resulting in a balanced profile.

Downside protection backed by stable assets
In case of volatility in the market the fund shares from real-estate could be moved to Cryptocurrency and vice-versa.

Profit Sharing
Our token holders receive 75% of quarterly profits via smart contract

Stronger predictive power and more effective asset allocation
A proprietary Intelligent Predictive Model for Crypto Asset and Crypto Currency price forecasting backed by real data science

Transparency
Transactions and investments are visible on Blockchain

Strong historical performance
5 years of previous real estate loan investment experience

Experienced team
Years of fixed income, equity, debt, crypto-markets and academic experience

Low minimum entry compared to traditional funds
No minimum investment during the crowd sale

Token value growth
20% of profits are reinvested

Liquidity
Capital set-aside quarterly to buy back and burn tokens to provide liquidity

Fully compliant
Caviar is fully compliant under international KYC/AML rules

CAVIAR INTELLIGENT PREDICTIVE MODEL (IPM)
Caviar’s full automated Intelligent Predictive Model (IPM) does price forecasting for both CryptoAsset and Cryptocurrency. This model is designed to alert analysts when an asset held in a portfolio experiences a significant change in volatility, when a new asset appears online, or when an asset not currently held in a portfolio rises above a predetermined expected growth threshold. This real-time data collection and mining, working dynamically with an AI predictive scheme based on machine learning, allows for stronger predictive power and more effective asset allocation.

REAL ESTATE LENDING PROCESS
Caviar follows a strict lending process when issuing debt to its borrowers. The following criteria are used to determine each applicant’s ability to receive funding:
• Borrower CScore above 800
• After Rehab Value under 75%
• Loan to Value ratio at purchase under 95% including construction cost
• Favorable location
• Favorable market conditions

APPLICATION AND CREDIT CHECK
Borrower fills the application form and the application is received by the Caviar Team which then assigns a CScore to it which is a cumulative score based on no. of factors like experience, Experian credit score, personal net worth and more, and ranges from 0 to 1000.

MARKET
Caviar’s team analyzes the local market, the number of properties for sale, past sales performance and other factors.

PROPERTY INSPECTION
Caviar’s team meets with the borrower to inspect and review the property, understand the scope of work, and determine if the proposed property improvement budget can be approved by one of Caviar’s expert estimators. The project can move ahead if the estimator approves the budget.

ARV (AFTER REHAB VALUE) DETERMINATION
After the property inspection, Caviar team determines the ARV based on the projected post-rehab value of the property. Caviar loans are always below 75% of the ARV.

CLOSING
After all due diligence is completed, and both sides approve the deal, Caviar’s legal team conducts the closing and funds for property purchase and initial draw are released.

IMPROVEMENT
Throughout the rehab process, draws are provided on a previously agreed upon schedule. Before the next draw is approved, a member of Caviar’s team personally drives to the property to examine it. Based on the inspection and the team’s observation of progress made, the draw is either approved or denied.

Closing thoughts:
Caviar presents an opportunity where the funds are diversified among dual asset domains. This may provide cushioning to the portfolio in case the market is volatile and also balance the risk profile accordingly. Hence, I wish Caviar team all the luck on their road ahead!

Token Sale Details:
• Goal Raise Amount: $ 25 million
• Token Type: ERC20, Ethereum Blockchain
• Maximum token supply: 375,000,000
• Price per token: $ 0.10
• Bonus: — Bonus period 1–7.5%, Bonus period 2–5%, Bonus period 3–2.5%
• Minimum Presale for US Investor: $ 10,000
• Minimum Presale for others: $ 500
• Presale Discount: Up to 30%
• Presale Period: November 28, 2017
• Crowd Sale Period: December 12, 10:00 AM Eastern Standard Time
• Token Publishing: Within 30 days the token generates an event

For more Information About Caviar Please visit the below links:
Official Website: https://www.caviar.io/
Whitepaper: https://s3.amazonaws.com/caviar-presentations/CaviarWhitepaper.pdf
Bitcointalk ANN Thread: https://bitcointalk.org/index.php?topic=2324425.0
My Bitcointalk Profile: https://bitcointalk.org/index.php?action=profile;u=1241233