USA OPPORTUNITY INCOME ONE, INC. IPO – What You Need to Know

Hey there! If you’re thinking about investing in this IPO, here’s the lowdown in plain English. No jargon, just the stuff that matters.

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1. What does this company actually do?

They’re a Puerto Rico-based startup (formed in 2021) that wants to become a real estate lender. But here’s the catch: They haven’t actually started lending money yet. Their plan is to use IPO cash to make loans for things like:

• Fix-and-flip projects (think HGTV house renovations)
• Apartment building developments
• Commercial properties

They aim to put 80% of their money into real estate deals and 20% into other investments. Right now, they’re like a chef who’s written a recipe book but hasn’t cooked a single meal.

Their filings show specific state targets – like $604k planned for North Carolina and $467k for Georgia. For scale, that’s roughly the cost of 2-3 suburban homes in those areas.

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2. How do they make money, and are they growing?

Spoiler: They’re not making real money yet.

• Sold just 5 bonds total since 2022 (1 bond at $1k, 4 at $195k)
• Used that $196k for basic costs like legal fees and office supplies
• All their growth plans depend entirely on raising $200M from this IPO

It’s like a lemonade stand that’s sold five cups and now wants to build a national franchise.

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3. What will they do with the IPO money?

If they hit their $200M target:

• 80% → Real estate loans (their main focus)
• 20% → Other investments (including 5% for daily operations)
• Keep selling more bonds later to fund more loans

If they don’t raise at least $35M? The whole operation could collapse.

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4. What are the main risks?

• Tax benefits on shaky ground: Puerto Rico gave them special tax breaks in May 2025 (Act 60), but local politicians could cancel this deal anytime.
• Still in diapers: After 3 years, they’ve only raised enough to buy a used Tesla Model S ($196k). Now asking for 1,000x more.
• Begging for cash: They admit they’ll need constant fundraising – like a street performer who needs tips just to keep playing.
• No safety net: If the IPO flops, they might borrow money from founders’ friends/family (but no guarantees).
• Shaky financial controls: Their accounting team is tiny, with "no one checking their homework" (they admit they lack oversight and might mix up financial records). They’re hiring outside help, but for now, it’s like a student grading their own report card.
• Crypto dreams ≠ reality: They might turn bonds into blockchain tokens someday, but regulators could block it, tech might fail, or nobody might care. Don’t count on this "digital upgrade" happening.

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5. Who’s running the company?

The company didn’t provide much detail about this in their filing. Here’s what we know:

• Founders Dania Echemendia, Andrew Murray, and Richard Meruelo got their shares for helping start the company (3,000 total at $0.01 each)
• No resumes or experience details shared – we don’t know if they’ve ever managed loans before
• Running the show with just 3 full-time employees

Imagine trusting your life savings to a band that’s never played a concert.

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Final Thought

This is like buying a lottery ticket where:

• The jackpot is 7-12% returns
• The fine print says “We might not even print the tickets properly”
• The ticket seller just learned math last week

If you’re still tempted, ask: “Would I lend $200M to someone who’s only ever loaned out $196k?” And remember – this isn’t “investing.” It’s speculating with extra steps.

Heads up: This company provided limited information in their IPO filing, especially about leadership experience and backup plans. That might be something to consider.

(Note: This is a simplified guide. Always verify details from the official IPO prospectus.)