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Investment Committee Review

153 Winfall Blvd
Ground-Up Duplex · Hertford, NC

One duplex, two units, 15–20 minutes from Base Elizabeth City. Underwritten construction budget $675,000, appraised value $950,000 upon completion.

Transaction structure: refinance, not acquisition. The property carries an existing lien held under 1119 Grovemont Drive, LLC (Pantheon Private Lending), documented at $96,827 as of June 15, 2025, accruing at $42.65/day, for a current balance of approximately $100K. This financing retires that lien at closing rather than funding a fresh acquisition.
$950K
Appraised value (ARV)
$675K
Construction budget
~$100K
Existing lien to retire
$269/sf
This project's build cost
Intel
I

Sponsorship & Execution

Two roles, cleanly separated. Keith builds. Robert capitalizes and holds title.

General Contractor · 10% Member, LDCT LLC
Keith Burnette
Hearthstone Innovative Homes LLC

29 ground-up new-construction homes built and sold in the Riverwind subdivision, a 55+ active community in Etowah/Hendersonville, NC, between 2021 and 2023, with final closings running into early 2024.

One additional ground-up, pre-sold home at 109 Richards Dr, Hendersonville — closed April 2024.

Construction on the current Winfall subdivision (17-unit design) began June 2024; 7 units are active builds today, of which 153 Winfall Blvd is the first 2-unit phase. Riverwind purchase dates on the REO schedule run 2020–2022, with completions and sales running into 2023 and 2024.

29
Riverwind homes sold
Apr '24
109 Richards close
7
Active Winfall builds
Sponsor & Capital · 90% Member, LDCT LLC
Robert Leonardo
LDCT LLC (Borrower / Title Holder)

19 properties across a fix-and-flip track record spanning NC, NJ, and SC since 2018 — acquisition, renovation, and resale of existing structures.

No ground-up new-construction project has been completed and sold under Robert's name to date. His contribution to this file is capital sponsorship and portfolio depth, not construction execution — that credibility rests on Keith. Robert holds 90% of both LDCT LLC and Hearthstone Innovative Homes LLC, the same split across each entity.

19
Fix & flip properties
2018–24
Track record span
0
Ground-up sold, own name
II

Geospatial Intelligence

Bearing and distance from the subject property — sponsor track record and demand driver, one index. Toggle layers to isolate what matters.

Keith · Ground-Up Builds
Robert · Fix & Flips
USCG Base Elizabeth City

Actual North Carolina outline, points plotted by projected latitude/longitude — illustrative boundary, not survey-grade GIS. Flowing lines and pulse rings are live, not decorative filler: they trace real distance from the subject property to each point.

III

Demand Driver — USCG Base Elizabeth City

Base Elizabeth City sits approximately 20 miles from the subject property — roughly a 20–25 minute drive via US-17. It is the largest employer in northeastern North Carolina and provides no on-base family housing, confirmed directly from Coast Guard and military-housing sources: incoming personnel file a DD-1746 Housing Application and are released to the local civilian market by the Area Housing Office at Base Portsmouth.

The subject property's own zip codes — 27909 and 27944 — fall inside the official Elizabeth City Military Housing Area (MHA) used to set Basic Allowance for Housing (BAH) rates, confirming personnel stationed at the base are eligible to use BAH toward housing in this exact submarket.

At least one real estate brokerage — PCSmoves.com — markets Perquimans County listings specifically to Coast Guard personnel relocating on PCS orders, describing itself as serving the county's "military relocation team." That's a real, dated, third-party business built around this exact demand pattern — not an assumption made for this file.

~900–2,000
Personnel Range
Sources conflict: MilitaryByOwner (~900 military) vs. MyBaseGuide/VeteranLife (~2,000 incl. civilians & Aviation Training Center). Shown as a range, not a point estimate.
No
On-Base Family Housing
Confirmed: mymilitarybenefits.com, militarytownadvisor.com
$85,000
Pasquotank County AMI
HUD FY2025, effective 4/1/2025
$1,058
2BR Fair Market Rent
HUD FMR, Pasquotank County — directly relevant to per-unit rental underwriting
Closed
Section 8 / HCV Waitlist
Economic Improvement Council — 10-county region incl. Pasquotank & Perquimans, closed before 2/8/2026 due to volume
880 ac
Base Footprint
DCMS.USCG.mil / official base data
IV

Local Market Context

Population, income, and what's actually happening in this county and city right now — not generic filler.

13,460
Perquimans County Pop.
U.S. Census Bureau, 2024 estimate
~2,000
Hertford Town Pop.
USAFacts, 2024 — largest town in the county
18,871
Elizabeth City Pop.
Census Reporter ACS 2024 5-yr; county seat of Pasquotank
$67,917
Perquimans Median HH Income
Census Reporter ACS 2024 5-yr

What's actually moving locally, with dates:

$10M
Cineplex Approved, 2025
Elizabeth City & Pasquotank County commissioners approved a Business Investment Program incentive for a new multiplex — real local investment signal
New, 2025–26
Sentara Albemarle Medical Center
New hospital campus opened late 2025/early 2026 on Halstead Blvd Ext — regional infrastructure investment

Largest employer — region vs. county, not the same answer:

USCG Base EC
Largest Employer, NE North Carolina Region
Regional driver — sits in neighboring Pasquotank County, ~20 mi from subject. Confirmed via DCMS.USCG.mil and regional press. This is the demand driver cited in Movement III, not a county-of-record payroll figure.
Co. Schools
Largest Employer, Perquimans County Itself
Perquimans County Schools, 250–499 employees — NC Dept. of Commerce Quarterly Census of Employment & Wages, via NC Rural Center county profile, 2023. Top industry by employment in-county: Public Administration (325 employees). County GDP, 2023: $394.0M.

Housing supply tension — shown honestly, not oversold:

6.3%
Rental Vacancy Rate
2020 Decennial Census — the most recent county-level figure available; not a current-year read, flagged as dated rather than refreshed silently.
15%
Severe Housing Problems
NC Rural Center dashboard, 2025 — overcrowding, cost burden, or incomplete plumbing/kitchen facilities combined.
V

Perquimans County — Price Trend

Small-county data with real month-to-month volatility due to low sale volume. Shown as reported, not smoothed.

+0%
Assessed value, 2023→2024 (same-basis YoY)

Sources: DataUSA/ACS (2023–2024 median property value), RocketHomes MLS report (Aug 2024 median sold price), Redfin county housing data (Dec 2025 median sale, $350K, 10 homes sold that month vs. 12 the year before). This is a bridge/waterfall view, not a single continuous series — solid steps are same-basis comparisons; the hatched step marks a change in methodology (assessed value to sold price) and is not a real appreciation figure. No duplex-specific comparable sale was located via public listing search for Perquimans/Pasquotank counties as of this draft; that remains an open ask to Robert, not a filled-in figure.

VI

Construction Economics

This project's cost per heated square foot against the North Carolina range for standard and custom-grade builds.

$135
$250
This deal: $269
NC standard-grade floorNC standard-grade ceiling / custom begins
$675,000
Total construction budget
2,504 sf
Total heated, both units
$269/sf
This deal's build cost
$950,000
Appraised value (ARV)

NC range triangulated across HomeGuide, SEGC, iBuyer, and Value Build Homes 2025–2026 cost guides: $135–$250/sf standard-grade, $250–$450/sf custom. This project's $269/sf sits just above standard-grade, consistent with Hearthstone's stated upgraded-spec finish package.

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RCP Capital Market Intelligence · Lux et Ordo