Securing Your Investment – iintoo’s Investment Committee

Securing Your Investment – iintoo’s Investment Committee

March 15, 2017

iintoo is a real estate social investment platform that follows the axiom that great minds invest together. We allow private investors to invest in quality real estate projects and help developers and real estate entrepreneurs by providing equity for their projects through its investing together platform.

For private investors, this means that they can now invest a small amount, starting at $25,000, in exclusive projects. iintoo’s model permits small amounts of equity contributed by individuals to become significant since they aggregate into a larger amount that provides the necessary funding needed for a large-scale project. This is the power of investing together.

Securing Your Investment

Even when investing a small amount of money, our investors, like anyone else, would like to minimize the risk that they are taking. So how do you avoid the problem of spending almost the same amount of your investment on the cost of a typical due-diligence process?

iintoo is a trusted and reputable company that adheres to the laws applicable to its investors, including American Securities laws and related rules and regulations for its US investors. iintoo always has our investors’ interests at heart, and thus we strive to negotiate the best commercial and legal terms to proactively minimize risk and maximize returns. Another thing to remember is that since we do not manage investors’ money, we will only receive a success fee when our investors’ investments perform well.

Our investment committee is very selective: Out of multiple real estate projects that apply for funding, only very few are approved for a raise. Our due-diligence process is deep and thorough – all risks and opportunities are meticulously investigated and crosschecked.

Finding prime real estate opportunities that are usually reserved to institutional investors is a challenge that many struggle with. Although we are very selective and conservative, iintoo’s global network, experience, strategic partners and resources enable us to provide our investors with an ongoing flow of quality investments.

Structure:

Our investment committee is composed of iintoo’s CEO, Chairman, business development manager, and legal and finance personnel. It is headed by a designated “Head of Committee,” who has the right to veto each potential investment. All those in the committee are experienced professionals with diverse backgrounds in real estate, finance, business and law.

Process:

  1. Prior to reviewing a project, our in-house analysts and business development manager conduct an initial, yet thorough, investigation that includes a first meeting with the entrepreneur or sponsor, as well as a review of a variety of informational sources that are relevant to the proposed project, the contractor, the location and the local market. Our sources of information are diverse – from publically available information to tailor-made reports. We also consult with our strategic partner, Meridian Capital, America’s most active debt broker, to utilize their significant resources and experience.
  2. The project is then presented to the committee for review with the goal of reaching an initial “go / no go” decision. iintoo looks at projects in attractive markets and works with entrepreneurs that meet our conditions – projects that we bring to the table are short term projects (2-3 years), with a clear business plan, that occupancy of the property (in relevant projects) is over 90% and whose upgrade has the potential of increasing their value.
  3. If the committee decides to proceed with a project, a deeper due-diligence analysis is performed. iintoo looks carefully at the offered business plan, the proposed agreement, milestones, and terms under the suggested funding structure. We also interview the contractors, its employees, as well as contacts and other references. We look at the company’s financial and legal history, and at the regulatory aspects of the project. Lastly, we travel to see the project and to meet the entrepreneurs behind it so we can form a final opinion about the project as a whole.
  4. iintoo then prepares its proposed term sheet to provide the best terms possible for our investors. We insist on an appropriate division of the profits commensurate with the fact that iintoo might bring to the project almost up to 90% of the equity. We make sure that our investors have an equally commensurate stake in the LLC that is the vehicle for the investment. This way, our investors have ownership of the property (representing their respective investment in the project). iintoo also makes sure that it always has the option to take over the project and manage it by itself in the event that the developers do not meet their obligations under the agreement. iintoo also ensures that a strict penalty mechanism is available against the developer when project milestones are not met on time. All of iintoo’s actions and strategies have one goal in mind – protecting our investors’ investments. We also ensure in our agreements with developers that additional legal restrictions and penalties are available to us so as to minimize any deviation from the pre-approved business plan.
  5.  iintoo regularly checks with the developers that project milestones are being met, and we regularly monitor each project’s balance sheet.
  6.  iintoo is not an investment fund. We do not manage money and then invest it – we raise capital ad hoc – only after a project is approved and presented for funding. Only then do we raise the capital needed and transfer it to the relevant project. This way, our investors know exactly in which project they have invested and they can decide whether to invest in the particular project. We call this “a la carte” investing. Investors decide for themselves, based on all the information available to them about a particular project, where to invest, what type of property to invest in, the type of security (debt or equity) they will purchase, and the total amount of money they would like to invest. In addition, we conduct ourselves in a fully transparent manner. At any time, our investors can access our investment portal and view the status and latest reports regarding their investments.

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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.

The Terms of Use regulating your use of the Platform can be found at: https://www.iintoo.com/terms-of-use/ The Platform's Privacy Policy can be found at: https://www.iintoo.com/privacy-policy/ By accessing this site and any pages thereof, you agree to be bound by our Terms of Use and Privacy Policy.

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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