To invest, you must be an Accredited Investor. You can also invest through various entities, including a trust, LLC, self-directed IRA, or Donor-Advised Fund (DAF).

An Accredited Investor is someone who meets financial standards set by the SEC. You qualify if you’ve earned over $200,000 in each of the past two years as an individual, or over $300,000 with a spouse. Alternatively, you may qualify with a net worth exceeding $1 million, excluding your primary residence. You can also invest on behalf of an entity with more than $5 million in assets or where all equity owners are themselves accredited. Ownify verifies investor status through Parallel Markets during account setup.

The fund focuses on high-quality single-family homes and townhomes in appreciation-driven markets. These homes generally fall within a price range of $200,000 to $500,000 and must include at least two bedrooms and one-and-a-half bathrooms on a lot of two acres or less. We do not co-invest in condos, multi-family units, vacant land, unfinished construction, or homes that fail our inspection standards.

Once an Owni is approved, they propose homes for purchase. We evaluate each property using a two-tiered model. At the macro level, we analyze more than 300 metro areas across the U.S. based on factors like job creation, housing supply, regulatory environment, and population trends. This is how we identified North Carolina’s Triangle region as an ideal launch market. At the micro level, each home is scored based on its valuation profile and appreciation potential, using several hundred inputs. All homes undergo a physical inspection prior to closing.

An Owni is a first-time homebuyer who co-invests in a home with the fund and lives in the property. To qualify, they must meet affordability and creditworthiness standards, including a minimum credit score threshold. Our proprietary underwriting system evaluates each applicant using hundreds of variables across financial, behavioral, and risk-related dimensions. It generates a personalized home budget and prevents fraud while forecasting long-term affordability. The system was trained on more than a million historical mortgage records, allowing us to overcome the typical cold-start problem. Since launch, we’ve seen zero late payments across the Owni portfolio.

Each home is held in a dedicated Series LLC. The Owni owns two percent (2%) of the equity in the home from day one, while the fund owns the remaining interest. This co-ownership model creates meaningful alignment between residents and investors.

The fund is a closed-end vehicle with a targeted hold period of five years. Early redemptions may be requested after 24 months and will be fulfilled based on the manager’s discretion.

Real estate values can fluctuate, and one key risk is a decline in the home’s value during the five-year hold period. Another risk is an early exit by an Owni, which could trigger a premature sale at an inopportune time. We address these risks through deep underwriting of both the resident and the asset, and through diversification across homes and markets. The Owni co-investment structure adds additional alignment and mitigates tenant-related volatility.

As a Limited Partner in the fund, you’ll receive an annual Schedule K-1. This document reports your share of profits, losses, deductions, and depreciation to the IRS. Tax treatment can vary significantly depending on your personal situation, so we recommend consulting your CPA or tax advisor.

You can register as an accredited investor to gain access to our investor data room, including an investment deck, historical performance, legal docs, and underwriting methodology.