Seamlessly tap into a wealth of residential properties and invest by neighborhoods, property types, appreciation, and more.
Access a searchable residential investment marketplace.
Build a portfolio of properties.
Leverage real time market data and professional appraisals.
Use buy/sell tools to negotiate with property owners and other investors.
Leverage liquidity options and exit cash at will with simple wire transfers.
The Transaction Basics
Vesta Equity's solution allows homeowners to sell equity to property investors through an equity sharing structure that ensures the homeowner retains full residential rights with no term length. In exchange for funds from property investors, a homeowner sells the financial rights to a percentage of their property's equity and future value. The home equity is realized when the property is sold.
Example: A homeowner with a property valued at $500K sells 20% of their equity on Vesta Equity and receives $100K from property investors. Later on, the homeowner sells the property itself for $600K to a new buyer and repays the investors of $120K from the proceeds of the sale.
Account Setup & Eligibility
Accredited investors in the US can participate while non-US investors don't require accreditation.
Investors can create their own secure wallet in a guided process on Vesta Equity. Funding a wallet can be made by sending a wire transfer from a linked bank account or by transferring USDC into the wallet.
All users are required to undertake a simple industry standard Digital ID and KYC/AML process prior to opening an account.
Our Zip-Code-Level forecast shows how this home is likely to appreciate in the next 36 months based on rate of home price growth in the Zip-Code.
Transaction Structure and Securities Offering
Every property is contracted using an Equity Sharing Agreement (ESA) and a security instrument that becomes recorded in the property's county. A property-specific, Investor LLC entity is formed to hold these real estate contract assets.
Each token represents a 0.01% membership in the Investor LLC. This membership interest has an equivalence to the equity sold by the homeowner.
Example: by purchasing 20% of a property on a property listing, an investor receives 2,000 membership units in the Investor LLC specific to that property.
Listings are compliant with US securities laws with offering documentation available on each listing.
Searching the Marketplace
and Making Offers
Investors can browse for listings with properties that are assets they want to hold in their portfolios. Listings have updated valuation data along with projected 3-year forecasts and historical neighborhood data to provide investors with an estimate for the asset's growth.
Investors can place offers on any listing for as little as 0.01% of the equity and any dollar amount.
Homeowners can accept or reject offers as well as make counter-offers.
Once both parties accept an offer, transactions are settled immediately with investors signing the subscription agreement and receiving the tokenized asset in their wallet.
Investors Can Receive
Liquidity From a Number
Relisting the token on Vesta Equity’s secondary market (available in early 2023).
The homeowner exercises an early buyout within 3 years at the higher of either a minimum 10% annual appreciation or market value.
If the homeowner sells the property at or above market value.