Housing 4 Life Review: Nine-tier matrix cycler feeder
The Housing 4 Life website identifies Joseph Gannon as owner of the company.
On his Facebook profile Gannon cites his location as Arizona in the US, which is presumably where Housing 4 Life is being operated from.
In 2013 Gannon launched Biz Builder, a feeder opportunity to build downlines in third-party MLM companies.
This was followed up in 2014 by Groceries 4 Life, a grocery coupon income opportunity.
Gannon (right) launches his companies through GannanCo Solutions International and claims they “offer solutions to meet a variety of needs”.
The launch of Housing 4 Life appears to be a continuation of that goal.
Read on for a full review of the Housing 4 Life MLM opportunity.
The Housing 4 Life Product Line
Housing 4 Life has no retailable products or services, with affiliates only able to market Housing 4 Life affiliate membership itself.
Bundled with Housing 4 Life paid affiliate membership are advertising credits and access to an ebook library.
The Housing 4 Life Compensation Plan
When a Housing 4 Life affiliate signs up for paid membership, they receive a position in a nine-tier matrix cycler.
The first tier of the cycler is a 2×1 matrix. The remaining eight tiers use a 6×1 matrix.
A 2×1 matrix places an affiliate at the top of a matrix, with two positions directly under them.
A 6×1 matrix increases the number of positions to six.
Positions in the matrix are filled via direct and indirect recruitment of Housing 4 Life affiliates.
Commissions are paid when all positions in the matrix are filled and a “cycle” occurs.
How much of a commission is paid out is determined by what tier of the cycler a Housing 4 Life affiliate cycles out of:
- Matrix 1 (2×1 feeder matrix) – no commission, cycles into Matrix 2
- Matrix 2 – $25 commission and cycles into Matrix 3
- Matrix 3 – $125 commission, generates two new Matrix 2 positions, a new Matrix 3 position and cycles into Matrix 4
- Matrix 4 – $300 commission, generates three new Matrix 2 positions and cycles into Matrix 5
- Matrix 5 – $1025 commission, generates four new Matrix 2 positions and cycles into Matrix 6
- Matrix 6 – $3250 commission, generates five new Matrix 2 positions and cycles into Matrix 7
- Matrix 7 – $9975 commission, generates six new Matrix 2 positions and cycles into Matrix 8
- Matrix 8 – $30,200 commission, generates seven new Matrix 2 positions and cycles into Matrix 9
- Matrix 9 – $314,500 commission and generates seven hundred and fifty new Matrix 2 positions
Note that the above commissions pertain to initial cycles on each matrix tier. Subsequent cycles from Matrix 4 pay out as follows:
- Matrix 4 – $675 commission, generates three new Matrix 2 positions and cycles into Matrix 5
- Matrix 5 – $2150 commission, generates four new Matrix 2 positions and cycles into Matrix 6
- Matrix 6 – $6625 commission, generates five new Matrix 2 positions and cycles into Matrix 7
- Matrix 7 – $20,100 commission, generates six new Matrix 2 positions and cycles into Matrix 8
- Matrix 8 – $60,575 commission, generates six new Matrix 2 positions and cycles into Matrix 7
- Matrix 9 – $405,625 commission and generates seven hundred and fifty new Matrix 2 positions
Housing 4 Life affiliates are paid to recruit new affiliates.
- Free and Trial Members ($15) – $2 per Trial affiliate recruited, $2.50 per Basic affiliate and $5 per Gold affiliate
- Basic and Basic Plus Membership – $2.50 per Basic affiliate and $5 per Gold affiliate recruited
- Gold and Gold Plus Membership – $5 per Basic affiliate and $10 per Gold affiliate recruited
Note that the Plus memberships are monthly recurring.
When a personally recruited affiliate cycles through all nine matrix tiers, a $12,500 and $25,000 commission is paid to Basic, Basic Plus and Gold and Gold Plus affiliates respectively.
Joining Housing 4 Life
Housing 4 Life affiliate membership is tied to either an annual or monthly membership fee:
- Free Membership – not able to participate in the MLM opportunity (single-level referral commissions only)
- Trial Membership – $15, only permits an affiliate to cycle through each matrix tier once
- Basic Membership – $22.95 annually
- Basic Membership Plus – $22.95 a month, same as Basic Membership but adds “veterinary care”
- Gold Membership – $39.95 annually
- Gold Membership Plus – $39.95 a month, same as Gold Membership but adds “veterinary care”
The primary difference between the affiliate memberships is income potential through the Housing 4 Life compensation plan.
With Housing4Life, You Don’t Ever Have to Buy a Home By Yourself Again, and You Can Do it For Just a One-time Investment OF ONLY $39.95!!
The marketing ruse behind Housing 4 Life is that affiliates will be able to use commissions generated in the scheme to purchase real-estate.
That very well might be possible, but the problem is Housing 4 Life is a recruitment-driven Ponzi scheme.
The basic math behind Housing 4 Life sees affiliates spend either $15, $22.95 or $39.95 and receive a $359,375 or higher ROI.
That ROI is paid out of subsequently recruited affiliates, making Housing 4 Life a Ponzi scheme.
In addition to draining $359,375 or more of invested funds, each Housing 4 Life complete cycle also generates a whopping 778 new cycler positions.
The ROI liability on those positions is over $279 million dollars.
Needless to say that on the raw money side of things, Housing 4 Life is not even remotely sustainable.
Recruitment is a major factor of the Housing 4 Life compensation plan, with affiliates directly paid to recruit new affiliates.
Despite these major compliance issues, Joseph Gannon insists Housing 4 Life is neither a Ponzi nor pyramid scheme.
The Housing4Life Co-Op program as described throughout the site is NOT a ponzi or pyramid scheme nor is it a get rich quick scheme either.
Real products and services are being offered as part of your membership such as downloadable digital content (eBooks) and banner advertising.
Whether “real products and services” are bundled with recruitment commissions or Ponzi investment is of course neither here nor there.
One other notable component of Housing 4 Life is the sheer number of MLM opportunities Gannon is feeding affiliates into.
By my count there are 80 MLM opportunities (“and many more”) listed as feeders on the Housing 4 Life website, running the full gamut of scams to otherwise legitimate companies.
In any event, once recruitment of new affiliates dries up, Housing 4 Life’s matrix cycler will stall.
This will see an end to commissions generated via cycling, with affiliates who haven’t recruited large downlines losing money.