INVESTORS WITH A PURPOSE…

Rebuilding the American Dream

Our team brings over 30 years combined real estate and investing experience. We are all committed to our mission of improving communities by providing access to affordable home ownership, whilst delivering dependable cashflow and equity growth for the company and our investors

David Garner Garnaco

INVESTORS WITH A PURPOSE…

Rebuilding the American Dream

Our team brings over 30 years combined real estate and investing experience. We are all committed to our mission of improving communities by providing access to affordable home ownership, whilst delivering dependable cashflow and equity growth for the company and our investors

David Garner Garnaco

Our Purpose and Mission

We founded our business with a clear purpose: to rebuild communities by making home-ownership affordable and accessible for working families, whilst delivering dependable cashflow and profits for the company and our private lenders.

The Renter’s Trap

The global financial crisis that started in 2007 left millions of families displaced, forced out of their homes and into often sub-standard rental accommodation. The devastating impact on America’s neighborhoods and communities can be felt to this day. Millions of homes have been left derelict or under-maintained. Families with no long-term housing security are unable to to put down community roots. Children are often pulled from school to school as parents move from one property to the next, and those entering retirement face a lifetime-nightmare of making rent every month with no earned income.

At the same time, a combination of high rents and a lack of mortgage availability for affordable homes has kept many of these working families trapped in a perpetual cycle of housing poverty, living semi-transiently in sub-standard conditions and unable to purchase a permanent home.

The Opportunity

The opportunity to fulfill our purpose lies in the availability of a large volume of heavily discounted distressed real estate – especially in the affordable homes sector – combined with a mass of prospective buyers keen to purchase their own home, but unable to save deposits, or access traditional mortgage finance.

By acquiring distressed properties and renovating them to a high standard, we improve the home, the street and the neighbourhood. By then helping working families to purchase our homes through our Path to Home Ownership Program, we allow people to put down community roots, access credit and most importantly take ownership and responsibility for their own future.

Our Purpose and Mission

We founded our business with a clear purpose: to rebuild communities by making home-ownership affordable and accessible for working families, whilst delivering dependable cashflow and profits for the company and our private lenders.

The Renter’s Trap

The global financial crisis that started in 2007 left millions of families displaced, forced out of their homes and into often sub-standard rental accommodation. The devastating impact on America’s neighborhoods and communities can be felt to this day. Millions of homes have been left derelict or under-maintained. Families with no long-term housing security are unable to to put down community roots. Children are often pulled from school to school as parents move from one property to the next, and those entering retirement face a lifetime-nightmare of making rent every month with no earned income.

At the same time, a combination of high rents and a lack of mortgage availability for affordable homes has kept many of these working families trapped in a perpetual cycle of housing poverty, living semi-transiently in sub-standard conditions and unable to purchase a permanent home.

The Opportunity

The opportunity to fulfill our purpose lies in the availability of a large volume of heavily discounted distressed real estate – especially in the affordable homes sector – combined with a mass of prospective buyers keen to purchase their own home, but unable to save deposits, or access traditional mortgage finance.

By acquiring distressed properties and renovating them to a high standard, we improve the home, the street and the neighbourhood. By then helping working families to purchase our homes through our Path to Home Ownership Program, we allow people to put down community roots, access credit and most importantly take ownership and responsibility for their own future.

Living Our Purpose

Our team continues to live our purpose every day, improving housing standards and placing homes back into the hands of the communities they were built for.

Living Our Purpose

Our team continues to live our purpose every day, improving housing standards and placing homes back into the hands of the communities they were built for.

Your Team

David Garner
David GarnerChief Executive Officer
Read David's Bio
Jo Garner MSc
Jo Garner MScChief Operating Officer
Read Jo's Bio
Christina Hoffmeier
Christina HoffmeierRegional Director, PA
Read Christina's Bio
Leslie Winters
Leslie WintersRealtor
Read Leslie's Bio
Lance Winter
Lance WinterMortgage Broker
Read Lance's Bio
Dani Andrews
Dani Andrews Regional Director – MS
Read Dani's Bio

Your Team

David Garner
David GarnerChief Executive Officer
Jo Garner MSc
Jo Garner MScChief Operating Officer
Christina Hoffmeier
Christina HoffmeierRegional Director, PA
Leslie Winters
Leslie WintersRealtor
Lance Winter
Lance WinterMortgage Broker
Dani Andrews
Dani Andrews Regional Director – MS

Your Team

David Garner
David GarnerChief Executive Officer
David brings a wealth of experience and astute commerciality to the Garnaco business with over 10 years’ experience as an active investor in the US real estate market.

He has participated in over $20 million of real estate transactions as Principal and/or Advisor, including the successful acquisition, rehabilitation, management and disposal of physical real estate assets and both performing and non-performing real estate debt.

On a day to day basis, David oversees all Group real estate acquisitions, and manages our relationships with the private investors and lenders that support our various housing programs.

Jo Garner MSc
Jo Garner MScChief Operating Officer
Jo brings over 15 years’ of corporate experience to Garnaco, having worked with global businesses in the financial services, engineering, construction and professional services sectors.

As a specialist in organizational development, Jo has a track record of successfully designing and implementing company-wide initiatives that had positive and measurable impact on productivity, profitability and stakeholder engagement.

Jo continues to develop systems and processes to optimize Garnaco’s operations, creating value for the company, our lenders and our tenants.

Christina Hoffmeier
Christina HoffmeierRegional Director, PA
Born and raised in Elwood City, PA., Christina has been a fully licenced Realtor in the State of Pennsylvania for 15 years.

With 122 homes sold and over $14 million in sales volume in 2019 alone, no-one knows her market like Christina, and as an experienced and successful investor in her own right she owns and manages a portfolio of over 60 rental properties.

Christina is responsible for sourcing and negotiating all Garnaco acquisitions and rehabs in Pennsylvania.

Leslie Winters
Leslie WintersRealtor
Leslie was born and raised in Mt. Lebanon, PA. She has been a fully licenced Realtor since 2017.

Her 10 years of sales experience, combined with her desire to impact people on a personal level make her absolutely perfect for her role at Garnaco.

Leslie is responsible for marketing our homes for resale through the Path to Home Ownership Program, as well as sourcing tenants for our long-term rental properties.

Lance Winter
Lance WinterMortgage Broker
Lance is a qualified Loan Officer, and currently serves as Branch Sales Manager at Paramount Residential Mortgage Group Inc. (PRMG Inc.).

He specializes in hard-to-acquire financing, including sourcing loans for clients with a FICO credit score of 500 and up, as well as VOE only Programs and no credit score programs.

Lance vets prospective buyers for the Path to home ownership Program, working with families throughout their rental phase and helping them to eventually refinance with a traditional home loan.

Dani Andrews
Dani Andrews Regional Director – MS
Dani is an experienced property manager and business manager with an intimate knowledge of our market in Mississippi.

She is extremely well-connected, and brings a wealth of experience in real estate management and commercial operations to the Garnaco team, having worked for some of the largest rental property managers in Jackson, Mississippi and elsewhere.

Dani manages the day to day operation of our property portfolio in Jackson, MS, sourcing tenants and overseeing rent collections and rehabs.

Our Housing Programs

Our Path to Home Ownership Program improves housing standards, and facilitates home-ownership for working families

HUD Logo

We provide housing for government-subsidized and charitable programs, including Crisis Shelter, US Veteran’s Association and HUD Section 8

We provide good quality, well-maintained rental properties for creditworthy tenants, with an option to purchase their rented home any time

Our Housing Programs

Our Path to Home Ownership Program improves housing standards, and facilitates home-ownership for working families

HUD Logo

We provide housing for government-subsidized and charitable programs, including Crisis Shelter, US Veteran’s Association and HUD Section 8

We provide good quality, well-maintained rental properties for creditworthy tenants, with an option to purchase their rented home any time

Our Housing Programs

Our Path to Home Ownership Program improves housing standards, and facilitates home-ownership for working families

HUD Logo

We provide housing for government-subsidized and charitable programs, including Crisis Shelter, US Veteran’s Association and HUD Section 8

We provide good quality, well-maintained rental properties for creditworthy tenants, with an option to purchase their rented home any time

Previous Investments

Use the sliders below to view some of the most recent investments funded by our private lenders

Before rehabAfter rehab

511 E Lutton Avenue

Note: $33,150 | Interest Rate: 9% p.a.

Total Return: $48,067.50/5yr

Before rehabAfter rehab

713 Emmerson Avenue

Note: $25,000 | Interest Rate: 9% p.a.

Total Return: $36,250/5yr

Before rehabAfter rehab

10 W Chartes Street

Note: $25,000 | Interest Rate: 9% p.a.

Total Return: $36,250/5yr

A Better Way to Invest

Combining our private lender funding model with our rental & resale housing programs works well for our business, for our lenders, and for the communities we invest in!

FOR INVESTORS

The security of real estate, with passive monthly income from day one. Better yield than a rental, with NO management, tenants, repairs, or property taxes

FOR COMMUNITIES

Home owners accumulate equity wealth, access credit, lower expenses and enjoy a mortgage-free retirement, while children experience stability at school and at home.

FOR GARNACO

We get to compete for the best houses and spend more on rehab, creating homes that rent & sell quickly for maximum value. We also create an exit strategy alongside our lenders

A Better Way to Invest

Combining our private lender funding model with our rental & resale housing programs works well for our business, for our lenders, and for the communities we invest in!

FOR INVESTORS

The security of real estate, with passive monthly income from day one. Better yield than a rental, with NO management, tenants, repairs, or property taxes

FOR COMMUNITIES

Home owners accumulate equity wealth, access credit, lower expenses and enjoy a mortgage-free retirement, while children experience stability at school and at home.

FOR GARNACO

We get to compete for the best houses and spend more on rehab, creating homes that rent & sell quickly for maximum value. We also create an exit strategy alongside our lenders

Two Ways to Get Started

1. View Live Deals

Join 5’000+ self-directed investors in our private lender network with 1-click registration, and view current investment opportunities

VIEW DEALS NOW

2. Speak to our Team

Schedule a discovery call with a member of our senior management team to answer any questions you may have

Schedule a call >>

Two Ways to Get Started

1. View Live Deals

Join 5’000+ self-directed investors in our private lender network with 1-click registration, and view current investment opportunities

VIEW DEALS NOW

2. Speak to our Team

Schedule a discovery call with a member of our senior management team to answer any questions you may have

Schedule a call >>

Two Ways to Get Started

1. View Lending Opportunities

Answer a few short questions to create your Lender Profile and access the Private Lender Portal with all of our private lending opportunities

VIEW DEALS NOW

2. Speak to our Team

Schedule a discovery call with a member of our senior management team to answer any questions you may have

Schedule a call >>