In our world and on our platform, investors are called LoanLords. In the traditional world those investors would be LandLords, but we don’t work with land, or bricks or mortar. We deal in cash flow. When we make a loan to a property owner, we take all of the cash flow minus the expenses. That has its rewards and its risks. But our LoanLords know that we have priced out each loan in a safe  secure way using methodologies that have been tested and back tested. 

A RentStream is a specific right to collect Rent from one individual apartment. Its the basis for valuation of our program. Each apartment is analyzed and a 20 year projected cash flow is created for it. We take into account, move in and move out months, vacancies, refits and renovation, repairs and maintenance. Plus we add in rental increases. So its a pretty complicated calculation, leading to a projection, resulting in a valuation. 

Investments always carry risks, including potential loss of principal. In tradtional multifamily lending the biggest risk to investors are changes in the Federal Reserve Rate, which changed the loan rates in the market. This results in change sin capitalization rates and before you know it, that $10 mm building is only worth $7mm.  The underlying cash flow is still the same, just the way the value was calculated changed. Its unfair to investors and to owners, so we changed that and made it more stable. Please review all risk factors before investing.

RealNOI reserves the right to modify these terms at any time. Continued use of the platform constitutes acceptance of any changes.

RealNOI differentiates itself from other platforms in several key ways, particularly in how it approaches real estate investment:

Tokenization of Rental Income Streams:  RealNOI.io innovates by allowing investors to purchase future rental incomes from properties listed on their platform. Instead of buying the property outright or traditional shares in a REIT, investors can acquire tokens representing specific rental streams, net of property expenses. This approach democratizes access to real estate income without the need for direct property ownership.

Focus on Cash Flow Stability:  The platform emphasizes the stability provided by diversified cash flow streams from multiple properties. By investing in the income rather than the property itself, RealNOI mitigates risks associated with property value depreciation, offering a more predictable income stream based on rental agreements. Their model leverages over 30 years of property financial data to calculate future rent and expenses, aiming for a stable and sustainable investment return.

Use of Blockchain and Tokenization:  In partnership with Chintai Nexus, RealNOI has launched a tokenized real estate platform that converts traditional real estate cash flows into digital assets. This not only provides liquidity and accessibility but also ensures transparency and compliance through blockchain technology. This integration of DeFi (Decentralized Finance) principles into real estate allows for international investment participation and potentially reduces costs associated with traditional real estate transactions.

Inclusivity and Global Access:  RealNOI aims to remove barriers to entry for real estate investment by enabling global investors to participate in U.S. real estate markets without the constraints of traditional ownership restrictions. The platform uses a model where the focus is on the “use” of assets rather than ownership, which aligns with the global trend of making investment opportunities more inclusive.

Portfolio Diversification:  By offering investments in micro cash flow streams from various properties, RealNOI encourages portfolio diversification. This can lead to higher risk-adjusted returns as individual micro-investments can be combined to form a more resilient overall investment portfolio. The platform’s structure allows for scalability, where investors can incrementally increase their exposure to successful cash flows.

Proprietary Algorithm for Financial Projections:RealNOI employs a proprietary algorithm for predicting future rents and expenses, which is developed from extensive historical data. This analytical approach helps in providing more accurate projections, thereby enhancing investor confidence in the platform’s offerings.