Lorman, Mississippi · Adjacent to Alcorn State University

Building the next community
around Alcorn State University

A phased mixed-use development bringing modern housing, essential retail, and long-term economic infrastructure to the Alcorn State University community and surrounding rural Mississippi market.

$20.8M+
Current development program
240
Phase I beds
2
Initial development phases
Phase I
Housing
Phase II
Patton Fresh Market
Future
Master development opportunities
The Opportunity

One development.
Multiple economic engines.

Patton Village is being developed as a coordinated master-development strategy rather than isolated projects. Each phase can maintain separate financing and ownership while benefiting from the overall development's momentum.

Master Property
Land controlled by the development company
Phase I — Housing
240-bed / 60-unit residential anchor
Population + Infrastructure
Residents, utilities, and economic activity
Phase II — Patton Fresh Market
Turnkey convenience & fresh-market retail
Future Development Parcels
Retained master acreage, later phases
Site Plans & Renderings

The plan on paper

Architectural site plan, massing study, unit floor plans, and amenity program for the Phase I housing component.

Section 3 · Phase I

The residential anchor

240 beds across 60 units, forming the economic foundation of Patton Village. All figures below are current underwriting assumptions, subject to lender underwriting, appraisal, market study, final construction pricing, and definitive financing terms.

Patton Village at Alcorn State University development rendering
$19.26M
Total cost
$15.41M
Senior debt
$3.85M
Private equity
$1.26M
Stabilized Yr-1 NOI
$22.86M
Modeled stabilized value
Capital stack — USDA working case
$15.41MSenior debt · 80% LTC
$3.85MEquity
USDA §538 senior debt · 5.50% target · 40-yr amortization Private equity · ~1.26x DSCR
Figures are illustrative current underwriting assumptions and subject to change through lender underwriting, appraisal, market study, final construction pricing, and definitive financing documents.
Section 4 · Financing Flexibility

Two financing paths, one development

These are alternative financing strategies for the same Phase I housing development — not two separate projects. They represent financing flexibility and risk management, not simultaneous debt.

Primary path

USDA Section 538

Senior debt
~$15.41M
Private equity
~$3.85M
Loan-to-cost
80%
Target rate
5.50%
Amortization
40 years
DSCR
~1.26x
Alternative path

HUD Section 221(d)(4)

Senior debt
~$15.89M
Private equity
~$3.37M
Loan-to-cost
82.5%
DSCR
~1.22x
Section 5 · Phase II

From housing to commerce:
Patton Fresh Market

Not a full grocery supermarket — a ~3,000 SF convenience and fresh-market format comparable in scale to a modern 7-Eleven-style neighborhood store, delivered turnkey and separately financed from Phase I.

The turnkey package

Completed buildingIncluded
Refrigeration & coolersIncluded
Fixtures, POS & securityIncluded
Fuel infrastructureWhere applicable
Opening inventoryIncluded

The operator receives a substantially completed business platform rather than an empty commercial shell — essential convenience products and fresh, grab-and-go offerings ready from day one.

Phase II Financial Snapshot

Turnkey capital stack

Final financing terms are subject to lender and Opportunity Zone investor underwriting.

~$963KUSDA B&I senior debt
~$584KOZ / QOF equity
Target rate 5.50%, conservative case 6.50% · 30-yr amortization Opportunity Zone equity
Total turnkey development cost: approximately $1.55M. Illustrative figures, subject to lender and investor underwriting.
Section 6 · The Tenant Model

Aligned with operator success

A startup ramp for the operator, a fixed floor for ownership, and shared upside as sales mature. Sales assumptions and percentage-rent affordability must be validated through the independent market/feasibility study.

Months 1–6
~$8,520/mo
$6,000 base rent + 2% of gross sales
Months 7–12
~$9,780/mo
$6,000 base rent + 3% of gross sales
Month 13+ · Stabilized
~$11,040/mo
$6,000 base rent + 4% of gross sales
Working sales assumption: approximately $1.512M annually. Illustrative only — subject to feasibility study and operator underwriting.
Section 7 · How the Money Works

How capital becomes a long-term asset

B&I Lender~$963K senior debt
OZ Investor~$584K equity
DeveloperLand · site · execution
Patton Fresh Market
Tenant
Base rent + % of sales
Property Cash Flow
Debt service
Property expenses & reserves
Investor & sponsor economics
Long-Term Equity + Appreciation
Section 8 · Opportunity Zone Strategy

Patient capital.
Long-term alignment.

Opportunity Zone capital is being evaluated as equity — not a second amortizing loan. The intended strategy seeks patient, mission-oriented capital interested in rural economic development, long-term appreciation, priority return of invested capital, modest current distributions, and community impact.

This is not a promise of any specific tax result or return. Actual QOF/QOZB eligibility, tax treatment, holding periods, distributions, refinancing, land contributions, and exit mechanics require qualified Opportunity Zone legal and tax counsel.
Section 9 · Year 10

Build. Stabilize. Create equity.

An illustrative Phase II refinance scenario at Year 10 — not a guaranteed outcome.

$1.41M Refinance
Illustrative 70% LTV on modeled ~$2.01M value
~$816K B&I Payoff
Under the current conservative model
~$591K Potential Gross Refi Cash
Approaches the modeled ~$584K initial OZ equity
Returning investor capital does not automatically terminate investor ownership. Final ownership, redemption, buyout, refinance, and distribution rights must be established in definitive operating agreements, reviewed by lender, securities, tax, and Opportunity Zone counsel.
Section 10 · Master Land Strategy

Protecting the master development

The development company's strategy is not to place the entire master property into the Fresh Market investment entity. A separately surveyed parcel is established for Phase II, keeping the OZ investor's interest tied to that project alone.

MASTER DEVELOPMENT COMPANY — CONTROLLED TRACT Phase I Housing (240 beds) + remaining master acreage + future development rights Phase II Surveyed Fresh Market parcel TRANSFERRED TO PROJECT ENTITY Future Parcels
The Fresh Market investor's negotiated ownership interest relates to the Phase II project entity only — not automatically to Phase I housing or remaining master-development land. The approximately $24M Phase I / master-development value is shown as strategic context only, not an appraisal or guaranteed value.
Section 11 · Developer Economics

Development, ownership, and long-term value creation

Developer economics come from multiple sources across the life of the project — development compensation, asset management, retained ownership, cash-flow participation, sponsor promote, refinancing economics, long-term appreciation, and future phases of the master property.

Current Phase II development/consulting budget: $150,000, paid through documented development milestones, subject to approved project sources, lender requirements, and definitive agreements.
Section 12 · Capital Required Before Construction

From vision to financeable project

Predevelopment work — feasibility, survey, environmental, geotechnical, architecture, engineering, legal, appraisal, permits, and Opportunity Zone structuring — must be capitalized before construction proceeds are fully available.

~$203,000
Current identified predevelopment / closing budget
Section 13 · Development Roadmap

The path forward

Land control / family buyout
Survey + master planning
Phase I financing
Phase I construction
Housing stabilization
Phase II parcel creation
Fresh Market feasibility
B&I + OZ capitalization
Fresh Market construction
Tenant opening
Stabilization
Long-term hold / refinance
Future Patton Village phases
Section 14 · Why Patton Village

More than a building

The development is intended to address real infrastructure and housing needs surrounding an HBCU community while creating privately owned, income-producing real estate and commercial infrastructure.

Existing Patton Hospitality Group assets and operations near Alcorn State University
Housing
A modern residential option adjacent to campus.
Access
Essential retail where none has existed in decades.
Community
Infrastructure that serves students and residents alike.
Economic development
Rural investment tied to real, local activity.
Entrepreneurship
A family retail legacy carried into a new generation.
Land value creation
Phased development that compounds site value.
Long-term ownership
Assets built to hold, not flip.
Legacy
Continuing a story that began generations ago.
Section 15 · Location

Lorman, Mississippi

Adjacent to Alcorn State University, in Jefferson County and the surrounding rural southwest Mississippi market.

Site map

Detailed site, road network, and regional context map to be added as survey and site materials are finalized.

Section 16 · Data Room

Request development materials

Detailed underwriting, pro formas, and legal materials are available to qualified investors, lenders, and partners through controlled access.

Phase I — USDA §538 Pro FormaPDF
Phase I — HUD §221(d)(4) AlternativePDF
Phase II — Fresh Market Pro FormaPDF
Sources & Uses / Development BudgetXLSX
Capital Stack & Financing AssumptionsPDF
Development TimelinePDF
Site InformationPDF
Market / Feasibility StudyPending
SurveyPending
AppraisalPending
Investor brochure preview

Materials are shared under controlled access with qualified investors, lenders, and development partners.

Request development materials