R2O LLC My Home My Life


The world population has expanded in recent years, specially the economically active population and people with more than fifteen years old. Estimates say there are around 4,96 billion people economically active in the world, and the number is in great expansion.


More than 100 million people in the United States have low credits, so the demand for Rent To Own Community Financing provides a real growth opportunity.


These 100 million Americans cannot qualify for a home mortgage, but they do pay a rent to somebody. In addition, there are more than 77 million “baby boomers” that will turn 65 over the next 20 years. All these customers cannot afford the constant rising costs of “stick built” homes and the rising costs of senior housing and high interest rates from regular mortgage banks. In California the average cost of a single-family home is $400,000 or higher and a one-year stay in a Nursing home is $91,250.00 ($7,604.16 per month), an amount that is growing approximately 5% (five percent) annually.


With a huge growth in this recovery cycle, multifamily executives are eager for yet another great year. That’s understandable after a banner 2017: According to MPF Research, rent growth oscillated between 2,5% and 4,0% (the greatest rates since 2015) and occupancy levels reached 90.1%.


It’s been good few years for the multifamily industry – rent growth and occupancies have surpassed highs from the last cycle and even set records. As that has happened, builders have started doing what they do best and, by the end of 2017, more than 300,000 units were set to be delivered in 2018. The question is, will the number of apartments being built outstrip demand?

The construction/real estate industry is recognized as an essential provider of jobs to both skilled and unskilled workers. As well as the direct jobs created by developments, the construction industry frequently supports significant additional employment in the supply chain.

According to global consultancy firm McKinsey & Company, the projected cost of providing affordable housing to 330 million households around the world currently living in substandard accommodation is $16 trillion USD. The firm’s latest report, “A Blueprint for Addressing the Global Affordable Housing Challenge”, assesses critical pathways for providing housing to families across a range of socio-economic backgrounds and nationalities.

According to the report, adequate and affordable housing could be out of reach for more than 1.6 billion people within a decade. The comprehensive report examines everything from income to cost of heating, boiling down the data into four key mandates aimed at solving the global housing crisis.

R2O LLC My Home My Life (“we”, “our”, “us”, “my r2o”, or the “Company”) is a Delaware limited liability company formed to purchase, develop, build and/or manage popular houses in United States, with low prices and cost.

            We expect that each house/apartment can serve more than 100 million of Americans who cannot qualify for a home mortgage. R2O intends to build and manage each house/apartment directly with a view toward lowering overall costs and enhancing operating efficiency. We may acquire interests in real property and/or other assets in connection with the Houses. We may hold such assets either directly or through one or more subsidiaries.

            Our objective is to maximize our return on investment in connection with the real state and/or other property associated with the real state. We may also hold the House/Apartment and/or other real estate-related assets for long-term cash flow income.

            In pursuit of these goals, LLC may also invest in more than one in U.S. The goal of R2O is the development, incorporation and administration of houses/apartments and/or other real estate property that can serve more than 100 million Americans that cannot qualify for a home mortgage.


The Company is currently managed by seasoned business and sector professionals dedicated to the success of the Company and efficient execution of its planned operations



The Manager of the Company is Philadelphia Investment Credit Union & Capital Trust, a Delaware statutory trust wholly owned by Oderli Feriani. The Manager will manage the day-to-day affairs of the Company. The Manager, located in Philadelphia, Pennsylvania, will perform all general administrative tasks for the LLC, including the keeping of the financial records, and preparation of informational returns and reports to Shareholders. The Manager will receive a fee for its services. See “Compensation”. However, without notice to the Shareholders, our Manager may retain other or additional service providers to perform the administrative services that would otherwise be performed by our Manager. The Manager was formed to provide administrative and other services in connection with the Company.




Minimum Offering: $450,000,000

Minimum Subscription: $50,000,000 (50,000,000 Shares)

We are offering for sale – to accredited investors only – up to 450,000,000 Shares of Beneficial Interest (the “Shares”) at an initial Subscription Price of $1.00 per Share, aggregating $450,000,000. Thereafter, the Share Subscription Price will equal the Net Asset Value (NAV) of the Share which may be higher or lower than the initial Subscription Price.

The minimum investment amount by an investor is $50,000,000 (50,000,000 Shares), although the Trust reserves the right to accept lesser amounts from qualified persons.


Mr. Oderli Feriani
Philadelphia’s Manager

Mr. Feriani is a seasoned businessman with more than 20 years of experience. He has introduced business and finance structuring advisory outside of investment banks systems in Brazil. His skill set was built through working at several multinational companies. Mr. Feriani received a degree in Mathematics at the University of Campinas (UNICAMP) in Brazil as well as his Master of Business Administration (MBA) in Business Management Consulting. His focus has mostly been in the field of economics and business development through banking and capital markets.


Any historical performance data represents past performance. Past performance does not guarantee future results; Current performance may be different than the performance data presented; The Company is not required by law to follow any standard methodology when calculating and representing performance data; The performance of the Company may not be directly comparable to the performance of other private or registered funds or companies; The securities are being offered in reliance on an exemption from the registration requirements, and therefore are not required to comply with certain specific disclosure requirements; The Securities and Exchange Commission has not passed upon the merits of or approved the securities, the terms of the offering, or the accuracy of the materials