Institutional-Quality Real Estate. Now Accessible.
For the first time, accredited investors can co-invest alongside homebuyers in owner-occupied residential real estate — with the same structural protections used by institutional allocators.
Why CribEquity
A fundamentally different way to invest in real estate — without the headaches.
Real Diversification
Owner-occupied housing has near-zero correlation to stocks and bonds. Add genuine diversification to your portfolio with a tangible, inflation-hedged asset.
Zero Operational Burden
No tenants, no property management, no maintenance calls. The homeowner lives in and maintains the property. You participate in the appreciation.
Structural Protection
Your investment is secured by a position on title. Senior secured position with downside protection built into the structure.
Impact Alignment
Your capital directly helps creditworthy homebuyers who can afford monthly payments but lack the down payment. Invest in people, not just property.
How It Works
You Invest
Your investment is pooled and deployed into individual shared equity contracts.
Homebuyer Purchases
CribEquity co-invests alongside qualified buyers in growing markets.
Share in Future Value
When the home is sold, refinanced, or the term matures, leveraged equity growth is distributed to investors.
Uncorrelated Returns
Owner-occupied residential real estate has near-zero correlation to stocks and bonds — offering genuine portfolio diversification you can't get from REITs.
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. You participate in the upside without any landlord headaches.
No Tenants
No vacancy risk, no turnover costs, no eviction exposure.
No Management
Zero property management fees. The homeowner handles upkeep.
No Operating Expenses
No taxes, insurance, or carrying costs. All borne by the homeowner.
No Debt Service
Pure equity participation. No leverage, no interest payments.
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 Rental Properties
See how shared equity compares to the buy-and-rent approach most real estate investors are familiar with.
| 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% |
Key Terms
$25K+
Minimum Investment
Accessible check sizes for accredited investors
10 yr
Maximum Term
With distributions beginning before maturity
0%
Leverage
No debt on the investment — pure equity participation
On Title
Security
Position on title protects your investment
Get Early Access
We're opening a limited pilot for accredited investors. Reserve your spot or schedule a call to learn more.
Prefer to Talk?
Schedule a 30-minute call with our team to discuss the opportunity in detail.
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