Fees & Disclosures
Everything, in plain English. No hidden charges, no invented numbers. Here is exactly what we charge, how we value properties, and the risks you should understand before investing.
Our transparency promise
We will never show you a number that is secretly a placeholder. Every price, value, and figure on EquityN comes from a real, disclosed source — an independent appraisal, an automated market estimate (clearly labeled), or a transparent calculation you can follow yourself.
Fee schedule
Every investment property is offered to investors at 10% below its market price, so you begin with built-in equity. There is no separate purchase fee — the discount is your advantage.
If you choose to cash out before a property is sold, a 4.5% administrative fee is applied to your original investment amount. You keep every distribution you have already received. Early withdrawal does not include property appreciation — that upside is reserved for long-term holders.
When a property is sold, a 20% fee is applied only to the appreciation profit — the gain above the original purchase price. Your original capital is returned without a profit fee.
Investors who have held for 5+ years receive a reduced 18% profit fee instead of 20% — a reward for patient, long-term ownership. Again, applied only to appreciation profit.
For rental homes, a 12% management fee covers the work of running the property (tenanting, upkeep coordination, and administration). It is deducted before rental income is distributed to the investor pool.
Applies to tenants of rental properties, not investors: a $50 late fee is charged when rent is more than 5 days past due.
Profit fees are charged on gains only — never on the capital you originally invested. Distributions you have already received are always yours to keep.
How we value properties
Official value: every 5 years
A formal Equityn Value Review is performed by an independent, third-party appraisal company every five years. This is the official reference value behind equity distributions — set by an outside professional, never by us.
Interim value: automated estimate
Between formal reviews we display an automated market estimate, clearly labeled with an “as of” date and refreshed periodically. It is an estimate for tracking trends — distinct from, and not a substitute for, the official 5-year appraisal.
Vacant-lot carrying reserve
Vacant land earns no rent but still owes property taxes and any POA/HOA dues. To keep these investments worry-free, we prepay those carrying costs into the offering:
Total Offering = Land Value (10% below market) + 5-Year Carrying Reserve where Reserve = (annual taxes + annual dues) × 5
- The reserve is funded entirely by investors as a prepaid expense; the owner's reserved stake is calculated on land value only.
- No cash calls during the reserve period — the lot funds its own carrying costs for 5 years.
- After 5 years, ongoing carrying costs are covered from the eventual sale proceeds.
The land value and reserve portions are always broken out separately on each lot's buy page, so you know exactly what you are funding.
Understand the risks
- Real estate can go down as well as up. Property values and rental income are not guaranteed and depend on market conditions.
- Distributions are not guaranteed. Rental income depends on actual occupancy and performance, and may vary or pause.
- This is a long-term hold. While you can request to sell or a buyback, liquidity is not instant and exits are subject to review and market demand.
- Vacant land produces no income. Returns rely entirely on appreciation, which may take time and is not assured.
- Estimates are not appraisals. Interim automated estimates are indicative only; the official value is the independent 5-year review.
Important notice
The information on this page is provided for general understanding and does not constitute financial, tax, or legal advice, nor a recommendation to invest. Fees and terms described here reflect current platform policy and may be updated over time. Please review the specific terms presented at the time of each investment, and consider seeking independent professional advice before investing.
Last updated: July 2026.
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