PENSIO

The Pensio Global Group of Companies is a multi-faceted real estate and credit-risk group that is currently active in 4 countries; Canada, the US, the Bahamas, and Panama. Our core business is providing risk management programs in partnership with the stakeholders of residential rental properties, pre-construction condos, multifamily, vacation properties, and commercial properties whereby Pensio makes available guarantee rent outcomes fully supported by a Performance Bond issued by Rentalis Insurance Company, Inc., a Protected Cell Captive reinsured by reinsurers rated AM Best A or Better. Pensio is a participating member of Rentalis Insurance Company, Inc.

The Pensio Group of Companies includes property managers, risk managers, analytical underwriters, and global real estate experts. All Pensio program based affiliate companies are participating members of Rentalis Insurance Company, Inc.

OUR PHILOSOPHY

Edward de Bono said that creativity involves breaking out of established patterns to look at things differently. The way residential and commercial real estate properties are financed and managed, must change, especially with what we believe to be long-lasting effects of the NEW NORM.

COVID-19 has changed the workplace. Employers now realize that a significant number of jobs in their digital workspace can be completed in an employee's home environment. They are reducing the need for expensive and traditional commercial workspace. A collateral effect is an evolving living need of employees; there is no longer the need to live close to work. Pensio's risk team anticipates there will be increasingly significant living migration for digital working families, wanting to move to safer, more affordable locations, creating vacancy shifts in the North American residential and commercial markets—the NEW NORM.

Risk, which is currently retained by lenders, investors, developers, property portfolio managers, and mom and pop landlords, is no longer quantifiable. Pensio risk management services, NEW NORM risk modeling, secured income programs, and risk management can be tailored to a client's needs, and will undoubtedly create better opportunities for our clients with a certainty of outcomes.

PROGRAMS

Residential Pre-Construction New Build

Pensio will partner with developers and lenders of pre-construction residential condominiums, multi-family apartment dwellings, and vacation residential resort properties. Pensio makes available to buyers in a development, a five-year property management program with Rent Guarantees fully underwritten by a rental income Performance Bond. Rent is paid on the last day of every month, regardless of whether the unit is rented or vacant.

This pre-construction Rent Guarantee program provides developers with a market advantage and buyers with true investment value.

The Pensio rental income program provides lenders with certainty that a completed unit can be sold or can earn a certain income regardless of market conditions.

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Residential Rental Rent Guarantee

The Pensio Tenant Eviction Management Services program guarantees existing tenant rent, and payment of any negligent or willful tenant damage court or rent tribunal order and legal expenses to owners and property managers.

Pensio works side by side with owners who self-manage rental properties and multi-family property management companies.

Landlords shall be reimbursed for unpaid rent, monthly (up to a maximum of 12 months) for any Unit, commencing 30 days following receipt of a valid demand which is due and payable up to a maximum period of ninety (90) days from the date of eviction of the defaulting tenant completed by Pensio

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Tenant Job Loss

Lease Guarantee

Pensio offers landlords lease guarantees for tenants who lose their job or become disabled. Pensio will pay the rent for 3, 6 or 12 months depending on the option chosen at the time of registration.

In the event of a tenant's job loss or disability, rent will be paid directly to the landlord by Pensio within 30 days and paid monthly for the term of the lease and term option chosen.

This program can be offered by the landlord included in the rent or a tenant can register and pay program fees themselves.

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Commercial

Lease Guarantees

The Commercial Tenant Eviction Management Services program guarantees existing tenant rent with a primary focus on medical and service related industries.

Pensio works side by side with owners who self-manage, commercial managers, real estate investment trusts and lenders.

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