Out of Many, One

August 3, 2016

“E pluribus unum,” Latin for “out of many, one,” is a phrase on the Seal of the United States.
As we all know, the traditional meaning of the phrase was that out of many states (or colonies), a single nation emerges. However, in recent years, its meaning has come to suggest that out of many peoples, races, religions, languages, and ancestries, a single people and nation has emerged. This illustrates the concept of the “melting pot.”

The power of many merges iintoo one:
As in other investment sectors, the world of real estate investments has opened its doors to the power of many, acknowledging the fact that when many come together, they are able to change the rules of the game. Not so long ago, an investor had to invest significant capital in order to enter the game and be able to invest in real estate. Today, investment firms that gather small investors (small in the sense that their investment amount is small, starting at $25K) are creating a new and powerful player in the market. These investment firms make the required know-how, experience and tools of property investments accessible to private individuals. These individuals may then choose from a pool of thoroughly reviewed investments, while receiving ongoing professional supervision (from analysts, legaland real estate experts and others) and benefiting from complete transparency – all the way from start to exit.

The power of many is also welcomed by property entrepreneurs and developers as these free them from their dependency on private equity resources and other financial institutions. It also allows for a new source of capital which pushes the real estate sector forward. In 2014, real estate social investing in the US generated around $1 billion (most were small investors). This amount grew to $2.5 billion in 2015. Today, we see more and more real estate social investing around the world, mainly in the US, Western Europe and Australia.

The power of one is obviously magnified when joining many other individuals as they form a group that does not compromise on the quality of the entity that raises their funds towards exit-oriented investments. The American ethos, which sees the individual as the engine behind the work of many, is being amplified when it comes to the world of investments and, more specifically, the world of real estate investments.

Our mission here at iintoo is to become the fuel for those individual engines and, together with them, move the real estate social investing world forward.


מתוך רבים אחד - iintoo

We believe that great minds invest together. Join us today! [:he]על החותם הגדול של ארצות הברית מופיע משפט בלטינית E pluribus unum, שמשמעותו “מתוך רבים אחד”. המשפט בא לבטא את הרעיון האמריקני – מתוך מדינות רבות צמחה אומה אחת, מתוך בודדים, יחידים, צמח כוח חזק ובעל משמעות רחבה יותר, או כפי שאנחנו אומרים בעברית – סכום השלם עלה על סך חלקיו.

בעולם הנדל”ן הולכת ומשתרשת ההכרה בכוחם של היחידים כאשר הם מתאגדים לגוף אחד ומשנים את כללי המשחק. אם עד לא מזמן משקיע בנדל”ן חייב היה להביא איתו הון משמעותי כדי שבכלל יסתכלו עליו, קבוצות משקיעים המאגדות תחתן משקיעים קטנים (שמשקיעים בסביבות 100,000 ש”ח) יוצרות שחקן חדש ואיכותי על המגרש. קבוצות אלה מהוות בית לעשרות משקיעים, ומתאגדות לרוב תחת מטריה של גוף איכותי היודע לתת להם את כל הכלים שמשקיע רציני לא זז בלעדיהם – סקירה של השקעות אופציונאליות, ליווי של אנשי מקצוע (משפטים, אנליסטים, מומחי נדל”ן) וליווי ההשקעה עד לשלב המימוש.

ההתאגדות של המשקיעים הקטנים מתקבלת כמהלך מבורך גם בקרב היזמים והקבלנים שמבינים שקבוצות אלה משחררות אותן מהתלות בבנקים ובגופים המוסדיים, ומשמשות כמקור פיננסי חדש המניע מהלכים בעולם הנדל”ן.

ואלה לא רק מילים. בשנת 2014 מימון ההמונים בתחום הנדלן בארהב (שמושך לרוב משקיעים קטנים) הכניס מיליארד דולר לתחום, סכום הצפוי לעלות ל- 2.5 מיליארד דולר עד סוף שנת 2015. אמנם אצלנו עדיין לא פועלים בתחום הנדל”ן במושגים של מימון המונים והצטרפות אונליין לקבוצות השקעה, אך זוהי המגמה הגלובלית בתחום, וניתן לראות נטיות דומות גם בשווקים האירופאי והאוסטרלי.

כוחו של היחיד מקבל משמעות אחרת כאשר הוא מצטרף לקבוצת יחידים הפועלת כגוף אחד שאינו מתפשר על התנהלות איכותית. החזון האמריקני שרואה בשאיפה של היחיד מנוע לפעילותם של רבים, מקבל חיזוק כאשר מגיעים לעולם ההשקעות בכלל ולעולם ההשקעות בנדל”ן בפרט. אנחנו ב- iintoo שואפים להיות הדלק של אותם מנועים, ויחד איתם להניע קדימה את עולם הנדל”ן הישראלי.


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*When we refer to “Equity Protection” we are referring to an arrangement where iintoo epiic GP LLC, the general partner of each covered issuer (“Covered Issuer”), promises that, even in the event the underlying project is not profitable or records a loss, the investor in the Covered Issuer shall receive a specified amount equal to the original principal investment he/she/it provided (less other amounts already received by such individual investor during the course of the investment) subject, however, to significant limitations including but not limited to repayments for losses in the Covered Issuer are only made up to a maximum amount of funds available from the retention account and the policy (where such policy limit may be less than the total amount invested), repayments are on a first come, first serve basis, and losses are aggregated across Covered Issuers subject to the same retention account and policy. iintoo epiic GP LLC, and not investors, is a party to the policy with Everest Insurance®. As a result, investors have no direct legal rights under the policy. In addition, beyond use of the Equity Protection proceeds from the retention account and the policy, neither iintoo epiic GP LLC nor the Covered Issuer has any obligations to indemnify investors for losses. For more information, please see “Business of the Company—Equity Protection” and “Risk Factors—Risks related to the Equity Protection” in any of our issuers’ private placement memoranda.

The above may contain forward-looking statements. Actual results and trends in the future may differ materially from those suggested or implied by any forward-looking statements in the above depending on a variety of factors. All written and oral forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by the previous statements. Except for any obligations to disclose information as required by applicable laws, we undertake no obligation to update any information contained above or to publicly release the results of any revisions to any statements that may be made to reflect events or circumstances that occur, or that we become aware of, after the date of the publishing of the above.

Private placements of securities accessible through the iintoo™ social network real-estate investment platform (the “Platform”) are intended for accredited investors. Such private placements of securities have not been registered under applicable securities laws, are restricted and not publicly traded, may be subject to holding period requirements, and are intended for investors who do not need a liquid investment. These investments are not bank deposits (and thus are not insured by the FDIC or by any other federal governmental agency), are not guaranteed by and iintoo Investments Ltd. (“iintoo”) or any third party working on our behalf, and may lose value. Neither the Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the Platform. Investors must be able to afford the loss of their entire investment.

Equity securities are offered through Dalmore Group LLC. (“Dalmore”), a registered broker-dealer and member of FINRA/SIPC. Any real estate investment accessible though the Platform involves substantial risks. Any financial projections or projected returns are projections only, and iintoo makes no representations or warranties as to the accuracy of such information and accepts no liability therefor whatsoever.

Investors should always conduct their own due diligence, not rely on the financial assumptions or estimates displayed herein, and should always consult with a reputable financial advisor, attorney, accountant, and any other professional that can help them to understand and assess the risks associated with any investment opportunity. Any investment involves substantial risks. Major risks, including related to the Equity Protection and/or the potential loss of some or all principal, are disclosed in the private placement memorandum for each applicable investment.

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About Everest®
Everest Re Group, Ltd. is a Bermuda holding company that operates through the following subsidiaries: Everest Reinsurance Company provides reinsurance to property and casualty insurers in both the U.S. and international markets. Everest Reinsurance (Bermuda), Ltd., including through its branch in the United Kingdom, provides reinsurance and insurance to worldwide property and casualty markets and reinsurance to life insurers. Everest Reinsurance Company (Ireland), provides reinsurance to non-life insurers in Europe. Everest Insurance® refers to the primary insurance operations of Everest Re Group, Ltd., and its affiliated companies which offer property, casualty and specialty lines insurance on both an admitted and non-admitted basis in the U.S. and internationally. The Company also operates within the Lloyd’s insurance market through Syndicate 2786. In addition, through Mt. Logan Re, Ltd., the Company manages segregated accounts, capitalized by the Company and third party investors that provide reinsurance for property catastrophe risks. Additional information on Everest Re Group companies can be found at the Group’s web site at www.everestre.com

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