Investing Together

Investing Together

August 20, 2016

Ever asked yourself why invest together?

It is only recently that investing together in real estate has become so popular. It was estimated that by the end of 2014, investors injected $1 billion in to the US property market with a further projection to end 2015 with an estimated $2.5 billion.

All of this came about with the introduction of the new JOBS Act (Jumpstart Our Business Startups Act), a law intended to encourage funding of S small businesses in the United States by easing various securities regulations. The new rules allow accredited investors to invest in investments that fall under the Act (and in 2015, new rules were introduced allowing non-accredited investors to invest, opening up the market to an even wider variety of investors).

Investing together allows accredited investors to invest a relatively small amount of money in large projects with a great estimated ROI. This really changes the market as it makes it easier for property entrepreneurs / contractors to raise capital from non-institutional sources. It also lets investors benefit from a market that was not available to them until recently.

How does it work?

There are several platforms available for you to choose from. Assuming you are an accredited investor, you sign up for the platform, validate your accreditation, and then you can pick a project from a list of open projects while matching your appetite for risk and returns. On some platforms, you also get to choose the type of security you commit your money to, either debt or equity. For those that prefer taking less risk, the latter is “safer,” as debt investors are repaid before equity investors. On the other hand, and unlike equity investors, the interest is usually lower, whereas if the deal exceeds expectations, there is no participation in the profit upside.

How do you pick a platform?

As noted above, there are several platforms; all are open to a variety of investors who can invest in a variety of real estate projects.
So how do you pick a platform? Our rule of thumb is that, just like with any other forms of investment, do some research. The beauty of these investing together platforms is that, to a certain degree, they remove a lot of hassle associated with property investments. Investing in real estate comes with its risks. We are aware of the potential high and lows of the sector, and we know that you know this too. However, it is all about controlling and minimizing your risks as much as possible.

First and foremost, we suggest looking at the people behind the platform. Who are the founders and what is their background? Do they come from the world of real estate? What is their experience in fund raising? In finance? What is their reputation? This is essential for the fund’s ability to secure projects and to raise funds, as well as for its longevity.

Next, look for the elements that are embedded in the deal structure. What are the project securities? Can the fund take over if the project goes south? What is the estimated ROI? How much information are you given about the risks associated with the particular project you are about to invest in?

In addition, make sure you also look for additional traits, like transparency and customer service. How much information is given to you? Can you ask additional questions? Can you discuss the deal with other interested investors? Don’t be shy about asking the right questions. You might be getting the best service even prior to investing, but make sure that you also know what you are getting into after you have invested your money in a project.

iintoo is such a platform. The people behind it are well-known for their professionalism and proven track record in real estate investments and finance. Our team knows how to maximize profit while managing risk and avoiding pitfalls. Transparency is critical to us, and we like to share with you everything we know about real estate investment. Through the platform, you are able to meet, follow and discuss with the best property investors. You can also build your property portfolio, gain knowledge and improve your investment expertise at your own pace.

Want to know more? Join us today!

 

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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.

Neither iintoo nor its affiliates nor Dalmore Group LLC makes investment recommendations nor do they provide investment advisory services, and no communication, including herein or through the Platform or in any other medium should be construed as such.

iintoo, its employees and affiliates are not insurers or insurance brokers, and do not offer insurance services, advice or information to new or existing investors. Insurance is provided to Iintoo epiic GP LLC (and placed through Cobbs Allen, a licensed insurance intermediary) by Everest Insurance®, subject to all of the terms and conditions of the applicable insurance policy, to support iintoo’s equity protection undertaking as further specified and described in the confidential offering materials of iintoo. Everest Insurance® is not a sponsor or promoter of any offering described herein.

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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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