May 2025

Can Nigerian Developer’s Offer Rent-to-Own Pathways Without Hurting Their Returns?

Standard No. 2: Flexibility should never come at the expense of the developer's returns. Introduction In the 2nd edition of The Boldmen Standards, we examined the latent financial cost of staggered down payments and rent-to-own structures. We argued that while such arrangements increase buyer access, they simultaneously expose developers to hidden yield erosion. We went further to demonstrate...

The Hidden Cost of Flexibility: How Staggered Down Payments Undermine Developers Returns

Standard No. 1: Buyer circumstances may shape financing terms, but they do not mitigate the developer's risk exposure. In this edition of The Boldmen Standards, we return to the first principles. The business of real estate financing is not voided by empathy. Whether delivered by a bank, a seller, or a developer, capital extended without interest is still capital at risk. We uncover a tacit but...

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