Invest in Homeownership. Not just in Real Estate.
Traditional real estate investing means buying property. We offer something different.
You invest in a family's journey to homeownership.
Asset-Backed Credit Linked Notes
Instead of purchasing property directly, you purchase an Asset-Backed Credit Linked Note (CLN).
Every CLN finances one specific home.
Every CLN is backed by:
- one residential property;
- one registered Lease-to-Own agreement;
CLN #20260626
Underlying Asset
Apartment, Dubai Hills, 2 Bedrooms
Purchase Price
USD 520,000
Lease Term
6 Years
Target Purchase Option Balance
35%
Target Investor IRR
16%
Expected Mortgage LTV
65%
Monthly Payment
USD 5,840
Customer Commitment Ratio
18%
Status
Active
Every investor has access to a live dashboard.
Purchase Price
USD 520,000
Current Market Value
USD 562,400
Market Appreciation
+8.2%
Current Purchase Option Balance
USD 93,600
Customer Commitment Ratio
18%
Payment History
100% on time
Lease Status
Active
Estimated Mortgage Transition
Mar 2031
Projected Exit
Refinance with Bank
Current Investment Performance
IRR 16.1%
We support customers throughout their entire Lease-to-Own journey.
Age
34
Nationality
UAE Resident
Occupation
Engineer
Household Income
USD 14,000 / month
Credit Score
Excellent (780+)
Years Employed
7 years
Payment Stability
High
Affordability Ratio
28%
Current Purchase Option Balance
USD 93,600
Mortgage Readiness Score
A (High)
Your investment is protected by multiple layers.
Underlying Property
Every CLN is secured by ownership of one specific residential property.
Purchase Option Balance
Every monthly payment increases the customer's Purchase Option Balance. This represents the customer's growing financial commitment to completing the program.
Customer Commitment Ratio
As the Purchase Option Balance increases, the Customer Commitment Ratio also increases. The more the customer has invested, the lower the probability of voluntary default.
Market Appreciation
The property itself may increase in value during the Lease-to-Own program, creating an additional layer of protection.
Predefined Exit Strategies
Every CLN includes a predefined investment policy before issuance. No decisions are made under pressure. Every scenario is agreed in advance.
Every investor receives access to real-time information.
Transfer the property to a new qualified Lease-to-Own customer.
The new customer receives a predefined Purchase Option Balance, allowing the investment program to continue.
Sell the property.
The property may be sold using a discount strategy defined by the Investment Policy, while seeking to preserve investor returns.
Continue under revised strategy.
Continue operating the property under a revised investment strategy, if this is expected to maximize long-term investor value.
Every investor receives access to:
Property PassportCustomer ProfilePurchase Option BalanceCustomer Commitment RatioLive Payment StatusCurrent Property ValueMarket AppreciationProjected ExitInvestment Performance
One Property. One CLN. One Customer. One transparent investment.
Get Investment Model