Operations & Business Model This initiative focuses on the installation and integration of prefabricated housing units across Arizona. Rather than a single manufacturer, the ecosystem relies on a network of 12 Independent General Contractors who function as distinct risk units. These contractors are responsible for the on-site assembly and utility integration of prefab structures, ensuring true risk distribution across the network.

Target Markets The business serves three distinct, uncorrelated market segments:

• Student Housing: High-density, efficiency-focused units.

• Multi-Generational Living: A unique "Rent-to-Equity" model utilizing Accessory Dwelling Units (ADUs). This innovative financial structure allows families to invest in accessible housing where equity transfers between generations over time, mitigating vacancy and default risks.

• Rural Development: Housing solutions designed for non-urban expansion.

Integral Mass Captive Insurance This project represents a data-driven captive insurance model designed specifically to cover the risks associated with prefab housing installation. Prepared for the Arizona Captive Insurance Association, the model is actuarially sound and operationally proven through rigorous testing.

Financial Strength & Validation

• Capitalization: $1.0M Initial Capitalization with $600K Annual Premium Income.

• Stability: Maintains a strong 2.8x Solvency Ratio.

• Risk Modeling: Validated by over 10,000 Monte Carlo simulations, demonstrating a <1% probability of ruin over a 10-year period.

Coverage Areas The captive provides comprehensive coverage for the three primary risks faced by prefab installers:

1. Construction Defects (40%): Structural integrity, materials, and code compliance.

2. Utility Integration (40%): Water, electrical, gas, and septic connection failures.

3. Schedule Delays (20%): Supply chain disruptions, weather, and permitting issues.