Institutional Investors
$55 Trillion Market.
Less Than 2% Institutional Access.
Owner-occupied single-family housing is the largest and most under-allocated real estate asset class in America. CribEquity gives institutional investors structured access — with zero operational burden.
The Structural Insight
Wall Street has always financed growth with both debt and equity. Main Street homebuyers have only ever had debt. CribEquity introduces equity to the residential capital stack, creating a new asset class for investors and a better outcome for homebuyers.
Investment Highlights
17–23%
Target Net IRR
Based on 40-year and 10-year average home price appreciation
2.5–3.5x
Target MOIC
Multiple on invested capital over a 5–7 year hold
$0
Operational Burden
No tenants, no property management, no debt service
$55T
Market Size
U.S. single-family residential real estate
<2%
Institutional Ownership
Vast majority of SFH remains uninstitutionalized
0.14
Stock Correlation
Near-zero correlation to public equities
Uncorrelated Returns
Owner-occupied residential real estate exhibits near-zero correlation to traditional asset classes, offering genuine portfolio diversification.
Correlation of owner-occupied residential real estate to major asset classes. Source: historical index data.
The Owner-Occupied Advantage
Homeowners maintain their properties better, and owner-occupied homes appreciate at a greater rate.¹ CribEquity investors benefit from owner-occupied economics without any of the operational overhead of traditional rental strategies.
No Tenants
Owner-occupied means no vacancy risk, no turnover costs, and no eviction exposure.
No Management
Zero property management fees. The homeowner handles all maintenance and upkeep.
No Operating Expenses
No taxes, insurance, or carrying costs. All ongoing expenses are borne by the homeowner.
No Debt Service
Pure equity participation. No leverage, no interest payments, no refinancing risk.
¹ Ihlanfeldt, K. & Mayock, T. “Not In My Neighborhood: The Effects of Residential Rentals on Single-Family Home Values.” Florida State University.
Built to Scale
CribEquity's model is designed for institutional-sized capital deployment without the operational buildout that limits traditional real estate strategies.
All 50 States
CribEquity operates nationwide. No geographic concentration risk — deploy capital across any U.S. market where qualified homebuyers are purchasing homes.
Mortgage-Native Distribution
Embedded alongside securitized mortgage products through national lender partnerships. Deal flow scales with the mortgage market itself, not a proprietary sourcing team.
Efficient at Scale
Zero acquisition cost, zero property management overhead. Capital scales without proportional headcount or operational complexity — the economics improve as volume grows.
Illustrative Returns
Representative return profile based on a single CribEquity co-investment.
18%
Net IRR
2.5x
MOIC
5%
HPA
5 yrs
Hold Period
Assumes 6.5% mortgage rate and a blended 3% cost of transacting at exit (blend of resale and refinance economics). For illustrative purposes only.
CribEquity vs. Traditional SFR
A side-by-side comparison of the economic and operational profile.
| Dimension | Traditional SFR | CribEquity |
|---|---|---|
| Acquisition Cost | 6–10% of purchase price | None |
| Debt Service | Monthly mortgage payments | None |
| Property Management | 8–12% of gross rent | None — owner responsibility |
| Tenant Risk | Vacancy, turnover, damage | None — owner-occupied |
| CapEx Reserve | Required annually | None — owner responsibility |
| Downside Protection | First dollar loss | Senior equity position |
| Incentive Alignment | Misaligned (landlord vs. tenant) | Aligned |
| Target Net IRR | 8–14% | 17–23% |
Ready to explore the opportunity?
We work with institutional allocators seeking differentiated real estate exposure with structural downside protection.