Veterans. Technology. Opportunity Zones.

VetHouse is a finance- and positive cash-flow–focused project helping veterans thrive through sustainable housing, skills training, and tech innovation.

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About VetHouse

VetHouse operates in the St. Louis, MO area, Monrovia, CA, and Thailand. We are veterans, engineers, technologists, and entrepreneurs focused on creating a scalable model for veteran housing, skills development, and economic opportunity.

White Paper

Executive Summary

Requirements Roadmap

Enterprise Architecture

White Paper online

Whitepaper PDF

Our Mission: Sustainable Communities for Heroes

High-Performance SIPs

We use Structural Insulated Panels (SIPs) to create airtight, ultra-efficient building envelopes—lower utility bills, superior comfort, and a quiet, healthy indoor environment.

LEED ND Neighborhoods

We build green neighborhoods designed to meet LEED for Neighborhood Development (ND) standards with walkability and smart infrastructure.

Veteran-Centric Delivery

Factory-first process optimized for speed, quality, and scale—delivering dignified, durable housing faster and more efficiently.

Five-Phase Program (Cash-Flow Positive at Every Stage)

Phase 0 — Now (Readiness at Zero)
Goal: Finance-Ready & Build-Ready

Readiness KPIs: prelease pipeline ≥ 50%, unit turn plan < 10 days, vendor SLAs contracted.

Phase 1 — One Fourplex (4 units; 4 veterans)
Financing: Single VA Loan (or equivalent)

Gate to Phase 2: 3 consecutive positive-cash months, delinquency < 2%, DSCR ≥ 1.25.

Phase 2 — Four Fourplexes in One Area (16 units; 16 veterans)
Financing: Four VA Loans (four veteran partners)

Gate to Phase 3: blended DSCR ≥ 1.35 for 3 months, occupancy > 92%, CAPEX/door within ±5% plan.

Phase 3 — District Portfolio (≈100–200 units)
Capital Option Opens: Club Partnership / Reg D / Reg CF

REIT-Readiness File: audited TTM, property-level NOI, same-store metrics, compliance clean.

Phase 4 — Multi-Region Scale (≈2,000–10,000 units)
Capital Market Path: Private/Public Mission REIT

Gate to Phase 5: supply chain service level ≥ 98%, days-to-CO ≤ 120, DSCR ≥ 1.40, safety TRIR top quartile.

Phase 5 — National Program (200,000 units)
Model: Distributed VA Loan Edge + Central Standards

Cash Rule: every sub-portfolio remains FCF positive with its own reserves—no cross-subsidy required.

Cash-Flow Safeguards & Governance

Cash-Flow Safeguards
  • Conservative rent underwriting; lock interest rate before materials order.
  • Pre-lease thresholds before draw/close; DSCR tested at stressed scenarios.
  • GMP with SIP vendors; liquidated damages on late delivery.
  • Reserves: 6 months P&I + 3 months opex at close; auto-replenish via NOI.
  • Collections discipline with veteran support partners for early intervention.
Anti-“Huckster Non-Profit” Controls
  • Independent board; quarterly public dashboards; annual independent audit.
  • Conflict-of-interest & related-party disclosures; competitive bidding.
  • Clear tenant charter; grievance process; third-party ombuds line.
  • Proof-over-pitch: units delivered, veterans housed, audited numbers.

Metrics That Matter

Occupancy > 92%
Delinquency < 2%
DSCR ≥ 1.35
Turn < 10 days
NOI Margin ≥ 55%
Safety TRIR Top Quartile
First-Fix Rate > 85%
Energy Intensity ↓ YoY

Veteran Programs & Training

Technology & Investment Model

VetHouse operates in certified Opportunity Zones, leveraging tax-advantaged capital and mission-aligned credit. Our stack integrates a technology incubator focused on CleanTech, AI, and smart grid projects like P2P Electric and TrainGrid. Veterans become owner-operators using their VA Loan, while centralized purchasing, QA, and data systems ensure quality and scale.

Our Partners

Our network includes government agencies, legal/accounting firms, local contractors, global supply chain partners, U.S. Army veterans, and international advisors.

Contact Us

Email: jim@fstem.net

Phone: (618) 801-8150

Visit: www.fstem.net  |  www.p2pelectric.com