Impact & Foundation Capital
Doing Well
By Doing Good.
CribEquity aligns market-rate financial returns with measurable social impact. Every dollar invested directly expands homeownership access for creditworthy buyers locked out by down payment barriers.
The Affordability Crisis
Homeownership — the primary wealth-building tool for American families — is increasingly out of reach. The problem isn't income. It's the down payment.
22+
Years to Save
Average time for a renter to save a 20% down payment
40
Avg. First-Time Buyer Age
Up from 29 in 1981 — an entire generation delayed
5x+
Price-to-Income Ratio
Up from ~3x pre-2000s — structural affordability crisis
75%
Gen Z Priced Out
Cannot save enough for a down payment at current rates
Our Approach
CribEquity replaces debt with equity in the home purchase capital stack. We co-invest alongside homebuyers, covering a portion of their down payment in exchange for a share of future home appreciation.
Who We Serve
Creditworthy homebuyers who can afford monthly payments but lack sufficient savings for a down payment that makes homeownership accessible to them.
How It Helps
By providing non-debt capital, we reduce monthly payments by up to 25%, lower qualification income requirements, and increase purchasing power — without adding financial risk to the borrower.
Structural Alignment
When the homeowner builds wealth, the investor earns returns. There is no adversarial relationship. CribEquity creates aligned incentives between capital and community.
Financial Returns Meet Social Impact
Financial Returns
17–23%
Target Net IRR
Competitive with institutional real estate strategies
2.5–3.5x
Target MOIC
Over a 5–7 year hold period
On Title
Downside Protection
Position on title secures your investment
Social Impact
25%
Lower Monthly Payments
Homebuyers save hundreds per month compared to alternatives
100%
Owner-Occupied
Every investment supports a real family buying a real home to live in
10+ yrs
Wealth Building
Homeownership is the primary vehicle for generational wealth creation
Invest in homeownership.
We partner with foundations, impact funds, CDFIs, and mission-driven allocators who believe market-rate returns and social impact are not mutually exclusive.