Invest in America's $32 Trillion Home Equity Market

HEAs, once exclusive to major institutions like Barclays and Nomura, are now available to individual investors like you for the first time.

What is a Home Equity Agreement?

Home Equity Agreements (HEAs) allow homeowners to access their home equity without selling, refinancing, or taking on debt. Unlike loans, HEAs have no monthly payments or interest.

Instead, homeowners share a portion of their home's future value with investors and can use the funds for anything—renovations, debt relief, or retirement.

HEAs provide a stable, long-term growth opportunity without the burdens of property management, maintenance, or repairs.

How HEAs Generate Returns

HEAs are priced at a discount to a home’s current value, and are structured to be "in the money" at the time of origination. As the homes appreciate, so does your share of the gains.

Returns are realized when homeowners sell, refinance, or buy out their agreements, targeting net IRRs of 12-18%.

Your investment is spread across a diversified pool of HEAs, all originated and managed by Nada.

$32.6 Trillion Home Equity Market Value

Since 2013, the overall Homeowner Equity Market has grown by 211%, growing from $10.5 Trillion in 2013 to an incredible $32.6 Trillion today.

*Source: St. Louis Fed, Households; Owners' Equity in Real Estate, Level (billions of dollars, updated quarterly) as of January 1, 2024.

Unlock the Potential of Your Portfolio with Home Equity Agreements

Diversified Wealth Building

Gain exposure to a diversified portfolio of home equity agreements across the nation’s top real estate markets. By owning fractional shares in multiple properties, you reduce concentrated risk while enhancing your portfolio’s potential for stable, long-term growth.

Built-In Downside Protection

Home equity agreements are typically originated at discounts of up to 45% below market value, providing a significant buffer against declining property values.

Expert-Led Origination

Our in-house team of licensed professionals conducts thorough credit checks, property evaluations, and comprehensive inspections. This meticulous process ensures only the most secure, high-potential home equity investments are included in our portfolio.

Resilient to Market Shifts

Unlike traditional real estate investments, HEAs are less vulnerable to interest rate fluctuations. This makes our offerings an attractive choice for investors seeking a stable, market-resilient investment opportunity, even in times of economic uncertainty.

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How To Invest in HEAs

Choose Offering Type

Explore our range of offerings: Cityfunds, city-specific HEA portfolios, Select, providing diversified exposure to U.S. home equity, and Yield, offering stable 7-8% APY with quarterly distributions.

Hold for Long-Term Wealth Growth

Cityfunds are tailored as growth-focused investments, designed for a multi-year holding period. We maximize the potential of your investment by strategically managing and deploying funds into diverse home equity portfolios.

Benefit from Returns

Cityfunds distributes excess annual income to investors as dividends, while unrealized returns are generated by Net Asset Value (NAV) appreciation, influencing share prices. After the initial offering period, shares may also be available for resale.

Explore Offerings

Discover Your Preferred Offering, or Diversify Across Multiple

Access a carefully curated portfolio of city-specific HEAs with a Cityfund Offering. These offerings target the fastest-growing, most in-demand cities across the U.S., allowing you to invest in home equity from a diverse range of owner-occupied homes in top markets. Minimum investment of $2,500.

Gain exclusive access to opportunistic HEAs across the nation and our city-specific Cityfunds, with Select. By harnessing the unique design, deal sourcing, and diligence capabilities of our Cityfunds team, this fund provides a truly differentiated investment experience.

Backed by residential real estate assets, Yield provides investors with stable cash flow at a 7-8% APY. Investors in Yield will receive quarterly distributions, which can be reinvested into Yield to compound returns or be paid out to their bank account.

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Join us this month for one of our live webinars! Learn more about our offerings, how to build your portfolio, our strategy and NAV updates.

Cityfunds Select NAV Update

December 12, 2024 at 9:00 PM CST

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