If you decide to invest, we have the following documents for you to sign: Confidential Private Placement Memo or Combine PPM: detailed information about the investment opportunity, including Fort + Home's business plan, financial statements, risk factors, and terms of the offering. The PPM aims to comply with securities laws and regulations while providing potential you with the information necessary to make informed decisions about participating in the given opportunity. This document plays a crucial role in fostering transparency and establishing a legal framework for the fundraising process. Addendum: a supplementary clarifying specific terms, conditions, or information about the opportunity. SA: a legal form detailing shareholder rights and financial reporting. Here is a video demo of how to make a commitment through our investor portal

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

Investing in our real estate syndication has various tax implications that our investors should consider. In our syndication structure, multiple investors pool their funds to collectively invest in a real estate project. One significant tax advantage is the potential for pass-through taxation, common in structures like Limited Liability Companies (LLCs) or partnerships. Profits and losses generated by our syndication are passed through to individual investors, who report these on their personal tax returns. This pass-through structure can offer tax deductions, such as depreciation, that our investors can use to offset their taxable income. Additionally, our syndication may provide opportunities for tax-advantaged strategies like 1031 exchanges, allowing investors to defer capital gains taxes by reinvesting proceeds from one property into another. However, tax implications can vary based on the nature of each of our investment opportunities, so we always advise our investors consult with their tax professionals for personalized advice.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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The Internal Rate of Return (IRR) is a financial metric we use to assess the profitability of an investment. It represents the discount rate at which the net present value (NPV) of cash flows from your investment equals zero. In simpler terms, IRR is the rate of return that makes the present value of expected future cash flows equal to the initial investment amount. A higher IRR generally indicates a more attractive investment opportunity. Investors use IRR to evaluate the potential profitability of projects, compare investment alternatives, and make decisions based on the expected return on their capital.

Loan-to-Value (LTV) is a ratio that expresses the relationship between the amount of a loan and the appraised value or market value of the asset securing the loan. The formula for calculating LTV is the loan amount divided by the appraised value of the property, multiplied by 100 to express it as a percentage. LTV is a critical factor for lenders in assessing the risk of a loan, as a higher LTV indicates a greater exposure to potential losses in the event of default. Lower LTV ratios generally suggest a more conservative and secure loan structure, while higher ratios may imply increased risk for lenders.

Loan-to-Cost (LTC) is a metric we use for project financing. It represents the ratio of the loan amount to the total cost of a project, including both the development and construction costs. The formula for calculating LTC is the loan amount divided by the total cost, multiplied by 100 to express it as a percentage. We use LTC to assess the level of financial risk associated with our projects.

Our capital funds refers to a pool of money raised from our investors (whether individuals, institutions, or a combination of both) with the specific purpose of making investments in real estate. Our funds are managed by our professional team who make investment decisions on behalf of our investors, aiming to generate returns and achieve specific financial objectives.

Our real estate fund syndication is a collaborative investment strategy: our investor contributions create a pool of capital to collectively invest in a real estate project. Fort + Home Capital identifies, acquires, and manages the real estate asset. Our investors, known as limited partners, contribute funds to the syndication and, in return, receive ownership interests in the project. Profits and losses are distributed among our investors in proportion to their ownership stakes. Our goal is to provide a way for individuals to participate in larger and potentially more lucrative real estate deals than they might pursue individually.

A preferred return, a "pref" or "preferred rate of return," represents a priority or preference given to certain investors regarding the distribution of profits before other investors or stakeholders receive a share. The preferred return is a predetermined rate of return that limited partners (investors/you) receive on your invested capital before the general partners (managers of the fund/Fort + Home Capital/we) are entitled to a share of the profits. The purpose of a preferred return is to align the interests of you, our investors and us as the fund managers, ensuring that you receive a certain level of return on your capital before the we start participating in the profits. Typically, the preferred return is expressed as a percentage of the invested capital, and it accumulates annually. Once you have received your preferred return, any remaining profits are typically distributed between the limited partners and the general partners based on a pre-agreed profit-sharing arrangement. We list out the specific terms of our preferred return, as well as the overall profit-sharing structure, in our Limited Partnership Agreement (LPA) and Private Placement Memorandum (PPM). These documents are signed before your investment is committed. We always urge our prospective investors to carefully review and understand the terms of our preferred return structure before committing your capital to a Fort + Home investment fund.

Lending and equity investing are two distinct ways we structure our capital funds. Lending involves providing funds to an asset with the expectation of fixed interest payments and return of principal, offering a more predictable income stream with lower risk. Equity investing entails buying ownership stakes in an asset, expecting potential capital appreciation and dividends, but with higher risk and the opportunity for greater returns.

An accredited investor is an individual or entity that meets specific financial criteria, typically set by securities regulations. In the United States, for instance, an accredited investor is often defined as an individual with an annual income of at least $200,000 (or $300,000 for joint income with a spouse) in the past two years, or a net worth of at least $1 million, excluding the value of their primary residence.

A sophisticated investor is an individual or entity with a high level of financial knowledge and experience. They’ve been around the investing block and have an understanding of complex investment strategies. This delineation isn’t defined by specific financial thresholds that rule accredited investors. Instead, “sophistication” is often determined by an individual's expertise in financial markets, investment products, and the ability to assess and manage risk. Thus, they may have a broader range of investment opportunities, as they are presumed to have the expertise to make informed decisions and comprehend the associated risks.

An equity split refers to Fort + Home Capital’s distribution of ownership shares. This allocation, expressed in equity percentages, defines the proportional rights to profits, decision-making authority, and potential losses within our company. Our equity splits are formalized in legal agreements, like our shareholder or partnership agreements. These agreements are our way of establishing a fair and transparent framework for the distribution of rewards and responsibilities among our founders and investors.

The distinction lies in the level of engagement and decision-making involvement in managing the investment portfolio. An active investor and a passive investor differ in their level of involvement and approach to managing investments. Active investors are hands-on, regularly making investment decisions, analyzing market trends, and actively buying and selling assets in an effort to outperform the market. They often engage in research, market timing, and portfolio adjustments based on their analysis. In contrast, passive investors adopt a more laid-back strategy, typically investing in a diversified portfolio and aiming to match the performance of a broad market index. Passive investors often prefer low-cost investment and generally take a long-term, buy-and-hold approach, minimizing the frequency of trades.