Devon covers about $4,000 a month for Ceejay, and Dante can't find steady work to pay his $600 rent.
Get Devon's son Ceejay and grandson Dante earning from week one with $0 of new capital. Buy assets only behind
proven gates, and fix the X7 Dwayne can no longer afford.
Planning estimates, not quotes · Prepared October 9, 2026 · Draft for discussion
Photo: a black Escalade in Miami, the car Phase 3 buys
$0Capital at risk in Phase 1
$80,000Most Devon ever draws on his SBLOC: $20k van, then the $60k Escalade, each behind its own gate
~$2,900/moRFEH profit at steady state, base case, after paying Devon back (~$1,510 low)
$4,000 → ~$568Devon's net monthly support in Phase 1A at 45 hrs; Phase 1B turns it to about +$196
The real problem
Devon's monthly position, today and in each phase.
Ceejay's earnings UberX in a rental, after rent and gas
$2,373
Dante's rent
$600
SBLOC interest (~$400/mo on $80k) is reimbursed by RFEH, so it nets to zero.
Today against the selected phaseDevon's net per month, dollars
Every month Ceejay waits costs Devon about $2,800 that a rental would have covered. Uber also solves Dante's problem: the work is there whenever he logs on.
Phase 1 · Oct 2026 to Jan 2027
Get both earning now, in one of two ways.
Dante drives UberX on an Avis rental in both options. The choice is what Ceejay drives, and when the X7 goes.
Option
Ceejay and Dante both rent from Avis; the X7 is sold now.
$140 a day, host keeps 70%; self-hosted by the family, mostly midweek
Not yet quoted
Avis in both options, same formula as Ceejay's Avis line
Dante's net each month
$600 rent covered ✓
Devon's monthly position
Plus the one-time X7 gap of $12,000–$17,000.
Ceejay support
–$4,000
Ceejay's net UberX on Avis
$2,373
Dante's rent
$600
Ceejay's UberX gross
$4,157
Avis rental $300 × 4.33 weeks
–$1,299
Gas $2.80 an hour
–$485
Ceejay's net
$2,373
The X7 is sold: the $12,000–$17,000 gap is paid once, and then $0 a month.
UberXL gross $30 an hour, 4 days a week
$5,196
Turo host earnings Days × $140 × 70%
$784
Gas $4.25 an hour
–$736
Upkeep $300 + $6 per Turo day
–$348
X7 note
–$850
Insurance Not yet quoted
–$450
Cash net
$3,596
Hidden cost: depreciation ~5,000 miles a month
–$700
True net after depreciation
$2,896
vs Option 1A, cash Ceejay on Avis at the same 40 hours
+$1,223
vs Option 1A, after depreciation
+$523
The X7 gap isn't paid now, but it keeps growing, about $700 a month while driven hard. Sell by Phase 3.
The rentals
Avis ~$260/wk
Hertz ~$240/wk
Plus taxes and fees; insurance, maintenance and unlimited miles included
Both rent in 1A; only Dante in 1B
Ceejay
UberX on Avis (1A) or UberXL in the X7 (1B), toward the Uber Black rating.
4.85+ over 500 rated trips, usually 6 to 12 weeks depending on hours
XL's fewer trips per hour slow the 500-trip gate
Gets a Miami-Dade for-hire chauffeur registration
Dante
Steady work on demand.
35 hrs/wk ≈ $1,905/mo; 45 hrs ≈ $2,832/mo
$600 rent is covered in about 1.5 weeks
Turns 26 on Nov 26, 2026: confirm each rental partner's age rule
RFEH's job
Uber fleet account
County permits
Insurance quotes
Pre-selling detailing
Phase 2 · Mobile detailing for Dante
Mobile detailing and driveways, on a ~$20,000 draw.
Dante has no vehicle, so RFEH buys a used van ($12,000–$18,000), the detailing rig (~$4,000–$5,000) and the driveway add-on ($1,000–$1,500), about $100/mo in interest. Miami full details run about $200–$300; two-car driveways about $120–$250.
Dante's pay (60%)
$600 rent covered ✓
Checks: 20 jobs → Dante $1,980, RFEH –$135 · 50 jobs → Dante $4,950, RFEH +$1,350 (at $165).
Turo hosts and Black drivers who need weekly cleans
Kendall door hangers with a car + driveway bundle
Google reviews: about 25 make the phone ring
Phase 3 · Escalade black car for Ceejay
The Escalade black car pays its way above ~$6,115 a month.
RFEH buys one black Escalade on a $60,000 SBLOC draw at 6% interest-only. Ceejay drives Uber Black at 35% of gross plus tips. RFEH pays Devon $1,550/mo: $300 interest plus a $1,250 set-aside toward the ~$30,000 resale won't cover.
Break-even $6,115
$5,000$11,000
Checks: $6,500 → +$250 · $7,500 → +$900 · $8,500 → +$1,550 · $10,000 → +$2,525. This gross also sets Ceejay's Phase 3 pay in the calculator above.
RFEH net each month
Ceejay 35% of gross, plus tips
$2,975
RFEH's 65%
$5,525
Operating costs Fuel $825, insurance with physical damage $1,100, maintenance and tires $300, permits, cleaning and misc $200
–$2,425
Paid to Devon $300 interest + $1,250 set-aside
–$1,550
The floor: Uber Black
The app supplies trips from day one: MIA, PortMiami cruise days, Brickell, the Beach.
Main risk: slow summer weeks
The upside: private clients
Hotel concierges, corporate accounts, airport regulars, Nublicity's client network, Art Basel in December, the Boat Show in February, F1 in May.
They take 6 to 12 months to build, so they're not underwritten in year one
What breaks it
Gross under ~$6,115/mo
Ceejay's split rising past 35%
Insurance far above plan
No backup driver
A 2023 Escalade ages out of Black after 2028
Should RFEH buy rideshare cars?
No. Let the rental company own the depreciation.
One RFEH-owned $20k car, per month.
Line
Low
High
Rent charged
$1,300
$1,950
Commercial insurance
–$450
–$350
Maintenance
–$300
–$250
Devon interest
–$100
–$100
Depreciation ~50k miles a year
–$450
–$400
Reserve Vacancy, claims, unpaid rent
–$200
–$570
RFEH keeps
–$200
+$280
Cash or SBLOC?
Cash means selling investments: taxes, and giving up the expected 7–8%. The SBLOC costs ~6%. Either way the car is the problem, not the money.
Phase 4 · The X7 exit
Dwayne needs a way out, and the gap grows every month.
A 2019 white BMW X7, ~76,000 miles, bought with Devon's signature for Dwayne, who can no longer afford the ~$850 note, insurance and gas.
~$42,000Payoff
$25k–$30kMarket value
$12k–$17kGap
~$600/moGap growth while parked or lightly used; ~$700/mo if driven hard on XL/Turo
XL nets $17.85/hr after gas, the $850 note, rideshare insurance and upkeep; Avis UberX uses the Phase 1A formula ($2,832 at 45 hrs)
At $140 a day; the host keeps 70%
Monthly cost going forward
Note, insurance and gas end this month. The $12,000–$17,000 gap is paid once (Devon, Dwayne on a family note, or split). Instant offers set the floor, then list privately for about two weeks.
XL edge over an Avis UberX rental
Ceejay net in the X7 on UberXL Note covered
$3,478
Ceejay net in an Avis on UberX
$2,832
Out of warranty at 76k miles: one big repair wipes out the edge
The gap grows about $600/mo while parked or lightly used, ~$700/mo if driven hard on XL/Turo
Needs a rideshare-endorsed policy
XL's fewer trips per hour slow the 500-trip Black gate
Net each month, self-hosted
Host earnings Days × $140 × 70%
$1,078
RFEH co-host share 25% of earnings
–$270
Note, insurance, upkeep $850 + $250 + $150
–$1,250
Self-hosted: 11 days → about –$172; 15 days → about +$220. Co-hosted: 11 days → about –$441.
The scorecard
Weigh what matters to you; the ranking re-sorts live.
Each option is rated 1 to 5 on Devon's risk (5 = least), RFEH profit, family income and ease. Weights are normalized to 100%.
Green 3.3 and up · gold 2.6 to 3.3 · red below 2.6
The Phase 1A rentals rank first at the default weightsWeighted score out of 5
The rentals score highest because they risk nothing. The Escalade and detailing are where RFEH makes money, so each waits behind a gate.
The plan
Four phases, each money step behind its own gate.
01
Phase 1 · Oct 2026 to Jan 2027
Get both earning now: 1A or 1B
$0 capital
Dante drives UberX on Avis either way. 1A: Ceejay on Avis too, X7 sold. 1B: Ceejay drives the X7 on UberXL, Turo the other days. Get the dual-use insurance quote this week; RFEH files permits and pre-sells detailing.
Status
Pick this week
02
Phase 2 · Detailing gate · ~Dec 2026
10 recurring clients signed, then the van
~$20k draw
Dante goes full-time detailing.
Status
Behind the gate
03
Phase 3 · Black gate · ~Jan 2027
Ceejay at 4.85+ over 500 trips, then the Escalade
$60k draw
Released once he also holds his chauffeur registration.
Status
Behind the gate
04
Phase 4 · By the Escalade purchase
The X7 exit
Under 1A it's sold in Phase 1. Under 1B it's sold, or goes full-time Turo, once Ceejay moves to the Escalade.
Status
Depends on 1A or 1B
Steady state, per month
Who
Low
Base
Ceejay Plus tips
$2,625
$2,975
Dante
$3,465
$4,950
Devon receives Interest plus set-aside
$1,650
$1,650
RFEH Escalade
$900
$1,550
RFEH detailing
$607
$1,350
RFEH total
~$1,510
~$2,900
Decisions for Devon
Six things to agree, one of them this week.
Choose Phase 1A or 1B 1A: sell the X7, both on Avis. 1B: X7 split Turo/XL, Dante on Avis. Decide once the dual-use insurance quote is in.Decide now
Approve the Phase 2 $20k detailing draw Released only at the 10-client gateAt the gate
Approve the Phase 3 $60k Escalade draw Released only at the Black gate, with a written note to RFEHAt the gate
Agree who covers the X7 gap Paid once in 1A; in 1B it grows until the Phase 4 exitAfter the quote
Cap total SBLOC borrowing at $80,000 And keep it under ~35% of the account
Written agreements Pay splits, RFEH owns vehicles and client lists, non-solicit
