Section 07 · Financial Projections

36-Month Financial Model

Three-phase P&L model, break-even analysis, revenue stacking by vertical, overhead scaling by phase, and cumulative 36-month projections.

$8.95M
Conservative 36-Mo Gross
Base case scenario
$12.56M
Optimistic 36-Mo Gross
Upside scenario
$1.23M
Conservative Net Profit
36-month cumulative
$2.92M
Optimistic Net Profit
36-month cumulative
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Phase-by-Phase P&L Models
Monthly Run Rate at Peak of Each Phase
Phase 1: Foundation
Months 1–6 · 3–5 loans + 2–5 RE deals/mo
Mortgage Revenue (5 loans)$40,000
RE Revenue (4 sides)$20,000
Construction Revenue$5,000
Gross Revenue$65,000
Agent Commissions Paid Out-$12,000
Processing Costs-$3,750
VA Team (2–3 hires)-$3,200
Tech Stack-$850
Marketing-$4,000
Insurance/Compliance/Other-$1,500
Office/Admin-$700
Net Pre-Tax Profit$19,000–$27,000
38–42% Net Margin
Phase 2: Acceleration
Months 7–18 · 10–14 loans + 8–12 RE deals/mo
Mortgage Revenue (12 loans)$96,000
RE Revenue (10 sides)$55,000
Construction Revenue$20,000
Gross Revenue$171,000
Agent + LO Commissions-$67,000
In-House Processor-$4,500
VA Team (5 hires)-$5,150
Tech Stack (Team)-$2,000
Marketing + Content-$10,000
Office + Admin Staff-$8,000
Insurance/Compliance-$2,400
Net Pre-Tax Profit$28,000–$59,000
16–35% Net Margin
Phase 3: Scale
Months 19–36 · 25–35 loans + 18–25 RE deals/mo
Mortgage Revenue (30 loans)$240,000
RE Revenue (22 sides)$121,000
Construction Revenue$75,000
Media Revenue$10,000
Gross Revenue$446,000
Agent + LO Commissions-$168,000
Processing + TC Staff-$20,000
VA Team + US Admin-$25,000
Tech + Platform-$5,000
Marketing + Full Media Team-$22,000
Office (2 locations)-$8,000
Insurance/Compliance/Other-$8,000
Net Pre-Tax Profit$45,000–$116,000
10–26% Net Margin
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36-Month Cumulative Summary
Conservative vs Optimistic Range
PhaseDurationGross RevenueTotal ExpensesNet ProfitMarginCumulative Net
Phase 1 (Foundation)6 months$234,000–$390,000$120,000–$186,000$114,000–$204,00038–52%$114K–$204K
Phase 2 (Acceleration)12 months$1,284,000–$2,052,000$1,056,000–$1,476,000$336,000–$708,00016–35%$450K–$912K
Phase 3 (Scale)18 months$4,860,000–$7,020,000$4,122,000–$5,238,000$780,000–$2,016,00010–26%$1.23M–$2.92M
Total (36 Months)36 months$8.95M–$12.56M$7.22M–$10.03M$1.23M–$2.92M13.7–23.2%$1.23M–$2.92M
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Revenue Per Transaction: The Vertical Stack
Why Integration Changes Everything
Transaction TypeMortgage RevenueRE RevenueConstruction RevenueTotal Per Transactionvs Single Vertical
Buy/Sell (No Mortgage)$0$8,375–$10,000$0$8,375–$10,000Baseline
Buy (With TruLux Mortgage)$8,000–$10,000$8,375–$10,000$0$16,375–$20,0002x
Buy + Mortgage + Construction$8,000–$13,500$8,375–$10,000$40,000–$80,000$56,375–$103,5007–12x
Investor DSCR (Buy + Mortgage)$9,625–$13,500$10,000–$12,500$0$19,625–$26,0002.5x
Relocating Buyer (Sell + Buy + Mortgage)$8,000–$10,000$16,750–$20,000$0$24,750–$30,0003x
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The Compounding Effect: Pozek explicitly noted that owning mortgage + title is "how do we monetize the same clients as many times as possible." TruLux's model goes further with construction — a client who buys a $350K home, finances through TruLux, and hires TruLux Construction for a $300K renovation represents a $500K+ revenue event from a single relationship. Multiply by the Space Coast's aerospace relocation pipeline and this is the strategy.
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Overhead Breakdown by Phase
Monthly Fixed Cost Structure
Overhead CategoryPhase 1 MonthlyPhase 2 MonthlyPhase 3 MonthlyDriver of Change
Mortgage Tech Stack$350–500$800–1,200$1,500–2,000Adding users + tools
RE Tech Stack (FUB, Dotloop, etc.)$400–600$1,000–1,500$1,800–2,500Agent count
VA Team (Philippines)$2,200–3,500$5,150$5,150–7,000Adding hires
Loan Processing (Outsource → In-House)$2,000–3,750$4,500–5,500$8,500–12,000Volume + in-house conversion
Media + Content Production$1,400–2,500$8,000–10,000$17,500–22,000Team build-out
Office Space$0–1,500$2,000–3,500$5,000–8,000Expansion to 2 locations
Insurance + E&O + Compliance$500–800$1,000–1,500$2,000–3,000Volume + headcount
Marketing + Paid Ads$2,000–4,000$5,000–8,000$8,000–12,000Shifting toward content organic
Total Fixed Overhead$7,300–$12,000$29,050–$40,000$74,600–$97,000Scales with team
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Break-Even Analysis
By Revenue Line
Mortgage Division Break-Even
3–4 Loans/Month
Phase 1 overhead ($7,300) ÷ avg net mortgage profit ($1,800–$2,400/loan after processing)
Real Estate Break-Even
2–3 Deals/Month
At 50/50 split on $350K home: TruLux retains ~$4,375/side. 2 sides covers Phase 1 RE overhead.
Combined Break-Even
Month 2–3
Combined RE + mortgage. Phase 2 overhead ($29K) requires 4–6 closings + 6–8 loans/month. Achieved mid-Phase 2.