Computer control of non-debt funding system for home finance

Abstract

Machine for controlling a system changing electrical signals to separately value components temporally decomposed from residential property, the computer apparatus including: a computer system, arranged for receiving information into a memory, the data representing the residential property, the computer system further comprising: logic means controlling the computer system to change the data to produce modified signals representing a separate valuation of each of a plurality of components temporally decomposed from the residential property, the components including a residential estate for years interest and a residential remainder interest; and an output device connected to convert the modified signals into documentation including the respective valuation of each of the components.

1 - 57 . (canceled) 
     
     
         58 . An apparatus, including:
 a first computer and logic means for configuring the first computer to enable the first computer to:   receive input data via a means for inputting the data from a second computer, including data representing a plurality of components of a fixed-income asset, wherein the fixed-income asset is comprised of a pool of temporally decomposed components from a group of residential properties, wherein the temporally decomposed components from each member of the group include an augmented residential estate for years interest and a complementary residential remainder interest,   manipulate the data representing the plurality of components of the fixed-income asset to produce a separate valuation of each of the plurality of components, wherein at least one of the valuations reflects that there is a terminal rent recovery period of at least eight months for each respective augmented residential estate for years interest,   generate digital data representing documentation including the separate valuation of each of said plurality of components and to display electronically at least two of the valuations on a display means in a computer screen generated by the first computer in consummating one sale and corresponding purchase of one of the plurality of components to a buyer and in consummating another sale and corresponding purchase of another of the plurality of components to another buyer,   store the digital data in memory, and   communicate, via means for outputting, the digital data electronically from the memory to a third computer via a network.   
     
     
         59 . The apparatus of  claim 58 , wherein the group of residential properties is comprised of single-family dwellings. 
     
     
         60 . The apparatus of  claim 58 , wherein the financial documentation includes a financial document. 
     
     
         61 . The apparatus of  claim 58 , wherein each terminal rent recovery period is at least eighteen months. 
     
     
         62 . The apparatus of  claim 58 , wherein a plurality of the group of residential properties are single-family dwellings. 
     
     
         63 . The apparatus of  claim 58 , wherein more than half of the residential properties are single-family dwellings. 
     
     
         64 . The apparatus of  claim 58 , wherein the financial documentation includes a financial document that includes a price for one of the plurality of components. 
     
     
         65 . A machine comprising:
 a first computer and means for configuring the first computer, the first computer operably associated with a monitor and means for inputting, wherein the means for configuring configures the first computer to receive digital input data representing a first component of property from a second computer, wherein the property is a fixed-income asset, wherein the property includes a pool of residential augmented estate for years interests, wherein each respective member of the pool of augmented estate for years interests includes a deeded equity interest in a corresponding respective residential property temporally decomposed into the respective augmented residential estate for years interest and a corresponding respective complementary residential remainder interest, wherein the fixed-income asset does not include an equity interest in any corresponding augmented respective residential remainder interest, wherein   the means for configuring enables the first computer to manipulate the digital input data to generate a yield/discount rate for the first component and to display electronically the yield/discount rate on the monitor in a computer screen generated by the first computer, to perform a computation of a purchase price for the first component in consummating a sale and corresponding purchase of the first component to one buyer and a sale and corresponding purchase of a second component of the fixed-income asset to another buyer, wherein the computation of the purchase price includes discounting cash flows reflecting the first component at the yield/discount rate, wherein one of the yield/discount rate and the purchase price reflects that there is a respective terminal rent recovery period of at least eight months for each said respective augmented residential estate for years interest, and to generate financial analysis output including one of the yield/discount rate and the purchase price, and to communicate the financial analysis output automatically, via a means for outputting, to a network including a third computer.   
     
     
         66 . The machine of  claim 65 , wherein each residential property is a single-family dwelling. 
     
     
         67 . The machine of  claim 65 , wherein the financial documentation includes a financial document. 
     
     
         68 . The machine of  claim 65 , wherein each terminal rent recovery period is at least one year. 
     
     
         69 . The machine of  claim 65 , wherein a plurality of the residential properties are single-family dwellings. 
     
     
         70 . The machine of  claim 65 , wherein more than half of the residential properties are single-family dwellings. 
     
     
         71 . The machine of  claim 65 , wherein the financial documentation includes a financial document that includes a price for one of the plurality of components of the fixed-income asset. 
     
     
         72 . A method comprising the steps of:
 a step for receiving digital input data at a first computer operably associated with a monitor and a means for inputting to enable the first computer to receive the digital input data, the digital input data representing a first component of property, wherein the digital input data is received via the means for inputting from at least one other computer, wherein the property is a fixed-income asset, wherein the property includes a pool of augmented residential estate for years interests, wherein each respective member of the pool of augmented estate for years interests includes a deeded equity interest in a corresponding respective residential property temporally decomposed into the respective augmented residential estate for years interest and a corresponding respective complementary residential remainder interest, and wherein the fixed-income asset does not include an equity interest in any corresponding complementary respective residential remainder interest;   a step for controlling the first computer via second means to manipulate at least some of the digital input data to compute a valuation for the first component in consummating a sale and corresponding purchase of the first component to a buyer at a price corresponding to the valuation and in consummating an other sale and corresponding other purchase of a second component of the fixed-income asset to an other buyer, wherein the controlling includes generating a yield/discount rate the digital input data and displaying electronically the yield/discount rate on the monitor in a computer screen generated by the first computer, wherein the controlling the first computer to compute the valuation includes discounting cash flows reflecting the first component at the yield/discount rate, and wherein one of the yield/discount rate and the valuation reflects that there is a respective terminal rent recovery period of at least eight months for each said respective augmented residential estate for years interest, and to produce financial analysis output including one of the yield/discount rate and the purchase price; and   a step for communicating the financial analysis output via a means for outputting to another computer via a network.   
     
     
         73 . The method of  claim 72 , wherein each residential property is a single-family dwelling. 
     
     
         74 . The method of  claim 72 , wherein the financial documentation includes a financial document. 
     
     
         75 . The method of  claim 72 , wherein each terminal rent recovery period is at least eight months. 
     
     
         76 . The method of  claim 72 , wherein a plurality of the residential properties are single-family dwellings. 
     
     
         77 . The method of  claim 72 , wherein a majority of the residential properties are single-family dwellings. 
     
     
         78 . The method of  claim 72 , wherein the financial documentation includes a financial document that includes a price for one of the plurality of components of the fixed-income asset.