This investment opportunity involves a joint venture with a housing provider to refurbish and lease a property to a housing association. The housing provider takes a 5-year lease on the property, does a full refurbishment and furnishing, and secures HMO licenses. The housing association then takes the property on a fully funded 5-year lease, paying a monthly fee in addition to ground rent. The investment generates income for 5 years, with no void periods, bills, or maintenance costs, and is backed by government funding. The investor/lender enters into a joint venture with the housing provider, receiving a steady income stream without the need for loans or interest payments.