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Skyscrapers Against Sky

BE YOUR OWN ECONOMY

Build Wealth. Build Freedom. Build Your Legacy.

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ABOUT BYOE

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Who We Are

BYOE (Be Your Own Economy) empowers individuals to take ownership of their financial future using alternative passive income programs, strategic partnerships, and diversified investment pathways. With access to over 2,000 lending and financial partners, BYOE provides the tools, education, and opportunities needed to build both monthly income and legacy wealth.

To help investors—both accredited and non-accredited—participate in simple, scalable, and proven passive income ventures that create long-term financial independence.

Our Mission

What Makes BYOE Different

  • Exclusive partnerships with 2,000+ lenders, investors, and business solution providers

  • Real alternative income streams including multifamily syndication, transportation assets, equipment rentals, and more

  • Complete transparency + real coaching + real results

  • Designed for new and experienced investors

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Meet the Founder: Bernard Borges

Bernard brings 20 years of experience in financial services, backed by a Bachelor of Arts in Marketing, a track record as a top-producing industry leader, and a proven ability to generate results.

Founder Highlights:

  • Top producer & record holder

  • Sold over $100,000 in one month

  • Coaches and mentors 100+ individuals

  • Owns and operates an active business trust

  • Expert in strategic partnerships, credit education, and passive income structure

Credit Card Exchange

Credit Health Consultation (Business & Personal)

We offer Credit Health Consulting — meaning we:

  • Evaluate your current personal & business credit profile

  • Provide education, steps, and guidance on exactly what to fix

  • Connect you with specialists, tools, and multiple trusted sources to get credit in position for funding

  • Teach you how to maintain long-term credit health

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Business & Personal Funding Services

We provide access to funding options through our vast network of lenders and partners:

  • Personal loans

  • Business loans

  • SBA loans

  • Personal & business credit cards

  • Business lines of credit

  • Equipment loans

  • Collateral loans

  • Income-based and credit-based financing

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TIER 1 OPPORTUNITIES

(Low-to-mid entry cost. Fastest time to cash.)

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PONTOON BOAT RENTALS

Turn high-demand water recreation into a cash-flowing rental business.

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A fast-return investment ideal for vacation markets and tourist destinations.

JET SKI RENTALS

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WHOLESALE AUTO DEALERSHIP

Partner in automotive wholesale for quick-turn margins and steady profits.

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Gain access to our in-house Airbnb mogul who manages sourcing, setup, optimization, and operations.

AIRBNB RENTAL PROGRAM

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TIER 2 OPPORTUNITIES

(Mid-level investment with strong recurring revenue potential.)

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High-visibility, high-demand luxury watercraft experiences.

JETCAR RENTALS

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SPRINTER VAN RENTALS

High-visibility, high-demand luxury watercraft experiences.

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TIER 3 OPPORTUNITIES

(Advanced Wealth-Building Opportunities)

Our highest-level investment tier focuses on long-term, scalable, and asset-backed projects designed for investors seeking larger returns, greater equity participation, and multi-year wealth strategies.

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MULTIFAMILY SYNDICATION PROJECTS

(Accredited & Non-accredited Investors are Welcome)

Large-scale apartment and residential communities offering equity ownership, cash flow distributions, and long-term appreciation.

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NEW CONSTRUCTION PROJECTS

Ground-up residential or commercial development deals structured for investors looking to participate at the earliest—and most profitable—stage of an asset’s life cycle.

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SECTION 8 HOUSING INVESTMENTS

Government-backed rental income properties providing consistent, reliable cash flow with reduced vacancy risk and built-in demand.

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Showcase

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