At the core of Cityfunds' strategy is the unique ability to offer accredited investors access to one of the most dynamic and traditionally inaccessible asset classes—home equity agreements (HEAs). This innovative model allows investors to benefit from the upside of real estate appreciation without the typical hassles of property management or the risk concentration that comes with owning a single property. Our approach is designed to maximize returns while providing downside protection through strategic asset acquisition and diversification.

1. Diversified Real Estate Exposure

Unlike traditional real estate investments where you are limited to the performance of a single property, Cityfunds spreads your investment across multiple high-quality homes in thriving markets. For example, in Philadelphia, every dollar invested is distributed across a variety of properties, helping to minimize risk and enhance the potential for long-term gains.

By diversifying across several homes in targeted cities, we mitigate the risk of any one property underperforming. This strategy ensures that your investment is not reliant on the success of a single asset, but rather benefits from the overall growth of the real estate market in Philadelphia and other top-tier cities across the U.S.

2. Unique Access to Home Equity Agreements (HEAs)

Cityfunds is a pioneer in making Home Equity Agreements (HEAs) accessible to individual investors. HEAs provide liquidity to homeowners by allowing them to sell a fraction of their home’s equity without taking on debt, while giving investors the opportunity to own a stake in the future appreciation of these properties.

What makes HEAs special?

• Off-market access: We acquire HEAs directly from homeowners, typically at a 45% discount below the appraised market value, providing investors with instant value—right from day one.
• Fractional Ownership: Investors can own a fractional share of multiple homes, creating a diversified portfolio without having to manage properties.
• Increased upside potential: Investors participate in the home’s appreciation while benefiting from protections that traditional real estate investments don’t offer.

3. Downside Protection

At Cityfunds, protecting investor capital is paramount. With up to 45% downside protection built into our investment agreements, your risk is significantly reduced. This means that a single property would have to depreciate by 45% before investors start losing money.

How we achieve this:

• Discounted asset acquisition: Through our HEA model, we negotiate below-market prices with homeowners who need liquidity, ensuring that your investment is already in-the-money from day one.
• Diversification: Your investment is spread across multiple properties within the best real estate markets, further minimizing exposure to downturns in any specific home or neighborhood.

4. Growth-Oriented and Opportunistic

Philadelphia Cityfund is a prime example of our growth-oriented strategy. The city has seen 80% appreciation over the past decade, driven by consistent demand, a diverse economy, and strong GDP growth. Investors in Cityfunds are positioned to benefit from this continued appreciation and are part of the city's transformation, while being protected from volatility through our rigorous asset selection and downside protection measures.

Philadelphia Cityfund provides a rare opportunity to participate in pre-IPO-like investment access. Investors can buy into Philadelphia Cityfund at $10/share, before shares become available to the public, positioning early investors for significant growth as the fund matures.

5. Strong Asset Selection and Partnering Strategy

Our team of experienced real estate professionals sources homes with high appreciation potential, often targeting areas within the Philadelphia metro and other growing U.S. cities. In addition, we intentionally partner with homeowners who are seeking liquidity for specific purposes, like home upgrades, which further enhances the value of our portfolio. Our selective asset acquisition process ensures that investors gain access to the best properties in the most desirable markets.

A Balanced Approach for Maximum Gains

Cityfunds’ strategy revolves around providing accredited investors with a unique, diversified, and downside-protected entry into the home equity market. By investing in HEAs and accessing off-market properties, Cityfunds ensures investors benefit from long-term appreciation, stability, and high potential returns, all while maintaining significant downside protection. Whether you’re looking to capitalize on Philadelphia’s growth or build a diversified portfolio of homes across the U.S., Cityfunds offers an exclusive opportunity to achieve your investment goals with confidence.