Sustainable Bonds

Context, Scale, and Impact of the Problem

In the United States today, over 65% of households live paycheck to paycheck, and nearly 60% lack $1,000 in emergency savings. As housing costs continue to outpace wages, millions of working families, seniors, and veterans face instability or displacement. The shortage of affordable housing now exceeds 7 million units, with fewer than 35 affordable homes available per 100 extremely low-income renters.

Proactive Sustainable Bonds™ was created to directly confront this crisis by financing Rapid Housing Social Impact investments that convert or reposition underutilized assets, such as manufactured housing, multifamily, and SRO motel properties, into high-quality, low-income affordable housing. Our projects deliver 20% to 30% below-market rents every month, providing immediate relief to cost-burdened households while generating current income for investors.

We measure and manage every investment through a robust Impact Measurement & Management (IMM) Framework and Theory of Change, ensuring that outcomes are transparent, verified, and tied to the UN Sustainable Development Goals (SDGs 1, 3, 5, 6, 7, 10, and 11).

Our impact is independently validated through the Impact Credibility Stack, including:

• Morningstar Sustainalytics – one of only two affordable housing reports published globally

• Impact Evaluation Lab – IAS Impact Authenticity Score

• Bluemark.co – Fund ID & Client Verification

• PRI Signatory October 2025

Since inception, we have grown from a $50,000 note to $25 million in Impact Real Estate AUM, returning $7.5 million to investors since 2020. Each property revitalizes distressed areas, restores community safety, and advances equity for those traditionally excluded from stable housing markets.

Proactive Sustainable Bonds™ represents a scalable model that turns neglected properties into sustainable, income-producing assets—proving that impact, affordability, and investor returns can thrive together.

🌐 www.SustainableBonds.com | 📩 Canaan@SustainableBonds.com | ☎ 803-989-8264

Solution, Approach, and Methodology

Proactive Sustainable Bonds™ was created to provide a financially sound, measurable, and scalable solution to America’s affordable housing shortage. Our model aligns investor capital with verified social outcomes by financing the Rapid Housing transformation of distressed or undervalued assets—manufactured housing communities, multifamily units, and SRO motel conversions, into safe, sustainable, and low-income affordable housing.

Our solution is built on a three-tier investment structure offering current income and measurable impact:

• Core Direct Bonds™: 9–15.5% annual returns with 2–10-year maturities for accredited investors.

• 30% Impact Housing Program: A 2-year structure designed to accelerate rehabilitation and stabilization.

• 75% Rapid Housing Program: A 3-year model supporting larger-scale adaptive reuse and expansion projects.

Each investment directly supports 20% to 30% below-market rents every month, and also supports Energy Efficiency, ensuring affordability for residents while generating reliable income for investors. This dual-benefit model empowers capital to do good while performing well.

Our methodology integrates a Robust Impact Measurement & Management (IMM) Framework and a Theory of Change that links every dollar invested to measurable community outcomes. This system tracks metrics such as housing affordability, resident stability, energy efficiency, clean water access, and gender inclusion.

To ensure full transparency, Proactive Sustainable Bonds™ uses a unique Impact Credibility Stack, combining independent third-party Impact verifications:

• Morningstar Sustainalytics: One of only two affordable housing reports published on its global platform.

• Impact Evaluation Lab: IAS Impact Authenticity Score and 3rd-party OPIM Signatory verification.

• Bluemark.co: Fund ID & Client Verification for governance and impact integrity.

• PRI Signatory: October 2025

Our investments advance seven United Nations Sustainable Development Goals (SDGs 1, 3, 5, 6, 7, 10, and 11)—No Poverty, Good Health, Gender Equality, Clean Water, Affordable Energy, Reduced Inequalities, and Sustainable Communities.

By pairing data-driven impact management with institutional-level asset performance, Proactive Sustainable Bonds™ demonstrates that affordable housing can be a high-impact, low-volatility, and current-income-generating investment class—addressing one of the nation’s most urgent social challenges through measurable, verified results.

🌐 www.SustainableBonds.com | 📩 Canaan@SustainableBonds.com | ☎ 803-989-8264

Project is still in process, when done, it will continue to create affordable housing for low-income