About Us

Our Business

USA Opportunity Income One, Inc. is creating an innovative lending platform where Real Estate entrepreneurs have access to capital quickly and efficiently for their projects so as to take their business to the next level.   

INVESTMENT STRATEGY

CUSTOMIZED FINANCING

Executing loan transactions rapidly. Within weeks or days with flexible terms.

THE FLORIDA ADVANTAGE
  • Florida is both a significant commercial and residential real estate market
  • USA’s experienced team in Florida provides a significant cost structure advantage
  • USA has in-house underwriting capabilities and lengthy, deep relationships throughout the state
  • Florida is the fastest growing state in terms of population in 2021
  • Florida had exponential population growth from 2010 to 2020 (14.6%), 2nd to Texas
POTENTIAL TAX BENEFITS

Puerto Rico Act 60 and non-US investors may be eligible for tax advantages.  Please consult your tax advisor for details.

INVESTMENT PROCESS

ORIGINATION:  Six Core Sources
  • Property owners
  • Developers
  • Mortgage Loan Brokers
  • Pre-existing relationships
  • Commercial and residential real estate brokers and lawyers
UNDERWRITING: Ten Factor Review
  • Business plan
  • Key executives
  • Property management
  • Growth opportunities
  • Competitive market
  • Third party reports
  • Property inspection
  • Title policy
  • Construction quality
  • Reserve requirement
INVESTMENT COMMITTEE: Approval Process
  • Written report for every debt instrument
  • Credit and background of borrower/guarantor
  • Collateral
  • Use of investment proceeds
  • Repayment strategy
  • Financial statements
  • Financial Analysis
SERVICING: Full Service Organization
  • In-house operations located in Miami
  • Customer service
  • Financial reporting
  • Management review
ASSET MANAGEMENT: Surveillance
  • Assesses operational & financial performance
  • Onsite visits & meetings
  • Budgeting process and review for properties
  • Productivity of property managers and leasing brokers

USA OPPORTUNITY INCOME ONE ADVANTAGE

THREE DECADES OF UNDERWRITING EXPERIENCE & KNOWLEDGE IN REAL ESTATE

A seasoned team of experts that provide the offering with  uncommon transaction sourcing and deep industry experience.

CAPITAL STACK POSITION

Commercial real estate debt might mitigate some risks when  compared to real estate equity opportunities due to being backed by hard assets and sitting higher in the capital stack.

BREADTH OF PROPERTY TYPES

Diversification in real estate has been shown to lead to higher  investment return and risk mitigation for investment portfolios.

DEEP ROOTS IN FLORIDA

Competitive advantages include competitive cost structure, more efficient underwriting, stronger borrower relationships and boots on the ground management.

CUSTOMIZED AND FLEXIBLE PRODUCTS

Transactions can be executed quickly—within days to weeks and financing is structured uniquely for each borrower.

MEET OUR EXECUTIVES

Dania Echemendia
President

Ms. Dania Echemendia

Dania Echemendia has over 27 years of experience as a Real Estate professional with licenses in both California and Florida.   In addition, she is a founding member of Tierra Azul Enterprises, a nationwide advisory service company, where she assisted in setting up the operational structure of several startups in media, hospitality, and beauty industry.  She started her career with Merrill Lynch as a Financial Consultant assisting clients achieve their financial goals managing portfolios including stocks, bonds, annuities, and mutual funds.  She transitioned to banking in Private client services (with First Interstate Bank) to help high net worth clients not only with their investment planning but also providing lending services for residential and commercial needs.  Her success in this area led her to manage a team of professionals at Sanwa Bank in investments, retail, and commercial loans.  Ms. Echemendia is currently Founder and President of USA Opportunity Income One, Inc. (USA Real Estate Bonds) a qualified by the SEC Reg A+ Tier 2 offering.  USA Real Estate is creating an innovative Real Estate lending platform that will focus on the fast-growing Florida commercial real estate market offering services where traditional banks fail.  She graduated with a Bachelor of Science in Business Administration from California State University, Los Angeles.  She currently resides in Florida. 

Learn More About Dania
Andrew Murray
Chief Financial Officer

Mr. Andrew Murray

Mr. Murray has served as the Company’s Chief Financial Officer and a director since August 3, 2021. From May 2020 through November 2020, he served as a restructuring and financial advisor to Urban Commons. From May 2016 through May 2020, Mr. Murray served as the Chief Financial Officer of Sandstone Properties, Inc. From June 2013 through December 2015, he served as the Chief Financial Officer of Strategic Realty Capital. From June 2008 through May 2012, Mr. Murray served as the Chief Financial Officer of Meruelo Maddux Properties, an SEC-reporting, publicly traded real estate development company specializing in downtown Los Angeles redevelopment. Mr. Murray graduated with a bachelor’s degree in Economics (Accounting and Finance) from University of Pennsylvania (The Wharton School) in 1989.

Learn More About Andrew
Bianca Torres Fernandez
Corporate Secretary

Ms. Bianca Torres Fernandez

Ms. Torres has served as the Company’s Corporate Secretary since August 3, 2021. Prior to joining the Company, Ms. Torres was a student. Ms. Torres graduated with a bachelor’s degree in Business from each the University of Sacred Heart and University of Puerto Rico in May 2021 and May 2017, respectively. From March 1, 2021 to May 1, 2021, Ms. Torres interned at Goya Foods in Puerto Rico as a Social Media Specialist developing their social media campaign

Learn More About Bianca
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