No Cap. Just Results.
CookinCapital was built by an operator, for operators. Ryan “Cap” Couzzo spent 22+ years in financial services — including tenure at JP Morgan and Oppenheimer — watching institutional desks make decisions with evidence while everyone else made them on instinct. CookinCapital closes that gap: every deal analyzed, graded, and executed with the same discipline, from acquisition to exit.
We are a Saint Vision Group operating company. SaintSal™ and HACP™ make real estate decisions explainable, auditable, and executable — so the answer holds up in front of a lender, a broker, and a court, not just in a spreadsheet.
- 22+
- Years in financial services
- JP Morgan · Oppenheimer
- Institutional pedigree (career context)
- #10,290,222
- HACP™ US Patent — granted
- #19/296,986
- Patent application — pending
- $2B+
- Capital deployed
- $3B+
- Distressed assets resolved
Corporate Structure
Three entities. One clean boundary.
The licensed and unlicensed sides of this business are deliberately separated. Which entity serves you depends on what you need — and we say which one, in writing, before work begins.
Saint Vision Technologies LLC
Parent · Technology and IP holder
Holds SaintSal™ and the HACP™ patent estate. Builds the decision infrastructure every CookinCapital workflow runs on.
CookinCap Real Estate LLC
California DRE-licensed brokerage
The regulated path. Listing, representation, negotiation on behalf of a client, commission collection, and MLS access route here under a designated broker and fiduciary duty. 438 Main Street, Suite 220, Huntington Beach, CA 92648.
Saint Vision Group LLC dba CookinCapital
Lending, advisory, and capital facilitation
Deal analysis, capital-path matching, advisory engagements, and contract assignment structures. Not a lender and not a brokerage — advisory and facilitation only.
Advisory staff are never described as brokers. Any activity requiring a California real estate license is performed through CookinCap Real Estate LLC under the designated broker. Governing law is California; disputes resolve by JAMS binding arbitration in Orange County.
The Arc
From institutional desks to an autonomous capital OS
22+ Years
Institutional finance
Two decades of financial services experience, including tenure at JP Morgan and Oppenheimer. Career context — not an endorsement by either firm.
Patent
HACP™ is granted
US Patent #10,290,222 for Human-AI Collaborative Processing, with a further application pending as #19/296,986.
Buildout
Saint Vision Technologies
The decision infrastructure gets built: covenant governance, audit receipts, and the multi-model routing layer that SaintSal™ runs on.
Live
The CookinCapital OS
Deal Analyzer, the 50+ lender network, Fund I, and the marketplace ship as one command center. $2B+ capital deployed, $3B+ distressed assets resolved.
v2
Visual property intelligence
Every property becomes a living, explorable decision object: cinematic media, parcel massing, live map layers, and the IMAGINE, DESIGN, and FILE layers.
HACP™ · US Patent #10,290,222
Human-AI Collaborative Processing
HACP™ is the patented protocol underneath every CookinCapital decision. It separates four things that most AI products blur together: deterministic math, sourced facts, operator assumptions, and optional narrative. When you can tell those apart, you can defend the answer.
Human in the loop by design
HACP™ is a collaboration protocol, not an autopilot. A human sets the assumptions, the engine computes deterministically, and a person owns the decision.
Covenant-governed
The engine operates inside written constraints: what it may retrieve, what it may assert, what it must disclose, and what it must refuse.
Explainable output
Every verdict ships with the reasons, the risks, and a maximum of three next moves — in plain language, not a score with no story.
Reconstructible evidence
Each run seals an audit receipt: input snapshot, source versus operator override, engine version, and timestamp. Evidence, not decoration.
Validate·Inputs checked against the analyzer contract
- 01 Validate
- 02 Retrieve
- 03 Calculate
- 04 Narrate
- 05 Seal
Illustrative rail. Real runs record the same phases into a signed receipt attached to the analysis, alongside disclosure documents G and M.
Leadership
Named people. Defined functions.
Every card below states what that person is responsible for. Nothing is embellished, and no title implies a license the person does not hold.
Ryan “Cap” Couzzo
Managing Director
Owns strategic direction, underwriting standards, and capital relationships. 22+ years in financial services, previously JP Morgan and Oppenheimer. Inventor on HACP™ US Patent #10,290,222.
Lani Jovicic
Designated Broker · California DRE
Supervises every licensed brokerage activity, agent conduct, trust-account compliance, and DRE record retention for CookinCap Real Estate LLC.
David Hamilton
General Counsel
Reviews entity structure, advisory and assignment agreements, disclosure timing, and the 17-document advisory package. Internal counsel — not a public legal service.
Grace
Chief Investment Officer
Owns fund strategy, credit policy, and portfolio construction for CookinCapital Fund I, including concentration and covenant limits.
Jean Montz
Capital Advisor
Sources and structures capital paths across the 50+ lender network and routes qualified deals to the right desk.
Nicole Burns
Capital Advisor
Manages applicant relationships from prequalification through submission tracking and lender follow-up.
How Decisions Actually Get Made
The engine grades it. A person owns it.
50+
Lender network
Bridge, hard money, DSCR, commercial, and construction desks. We match your deal profile to the desk that actually closes it.
24hr
Human review
Our team personally reviews every application. Prequalification is a soft inquiry only, and no approval or rate is promised before underwriting.
9-12%
Fund I target
CookinCapital Fund I targets 9-12% fixed returns on institutional-grade real estate lending. Offered only to verified accredited investors under Reg D 506(c).
Bring us the address. We’ll bring the evidence.
Run a property through the analyzer, start a soft-pull prequalification, or talk to the team directly. Whichever door you use, you get the reasons, the risks, and the receipt.
Offices
CookinCap Real Estate LLC438 Main Street, Suite 220
Huntington Beach, CA 92648Saint Vision Technologies LLC
221 Main Street, Suite J
Huntington Beach, CA 92648
No Cap. Just Results.