Invest in the homes of real homeowners

Co-own prime GTA real estate
Don’t take on a mortgage or extra expenses
Start investing from $1,000
Approximately 15% projected annual return

Invest in the homes of real homeowners

Co-own prime GTA real estate
Don’t take on a mortgage or extra expenses
Start investing from $1,000
Approximately 15% projected annual return
Unit price
$10.00
Last updated Mar 2023
Fund status
open
Last updated Mar 2023
Projected return
15%
Annual management fee
0.5%
+2% one-time upfront

Lotly investing explained

We’re a member of these institutions
Toronto Regional Real Estate BoardOntario Real Estate AssociationMissisauga Real Estate BoardInformation technology systems ontario

How Lotly investing works

01.

Investors (You) contribute to the fund

Lotly collects an investment pool from real estate investors.
02.

The Lotly fund goes toward buying homes

Lotly’s fund contributes to the down payments of real homebuyers.
03.

In return, you get pieces of home equity

Our investors own a share in the homes they helped purchase.

Why now? This is when you can “buy the dip”

We know we sound biased, but this is what the data is showing.
MLS Home Price Index. Composite property type, source: CREA, 2023

High return scenario

Projected IRR
16%~20%
Total payout
$1900~$2,000

High return scenario

Projected IRR
16%~20%
Total payout
$1900~$2,000

High return scenario

Projected IRR
16%~20%
Total payout
$1900~$2,000

Market warming up

The aggregate housing index fell 22% percent since March 2022, but prices have now stabilized.

Interest rates & immigration

Macroeconomic factors such as slowing interest rate hikes and increased immigration are working in our favour.

Unique buying opportunity

There have only been a handful of market drops in the last 40 years.
Lotly is positioned to buy the bottom.

"I believe Lotly will lead the change in  Canadian real estate with tech and data."

Lotly is backed by N49P, a venture capital firm focused on early stage Canadian technology startups. Alex Norman, co-founder of N49P believes Lotly’s model will transform how we invest in and own homes.
Alex Norman
Co-founder, N49P and TechTO

Co-own Lotly fund homes

We identify areas and properties with the best relative value and growth potential.
We consider supply & demand, infrastructure, property level attributes, and more.
We identify areas and properties with the best relative value and growth potential.
We consider supply & demand, infrastructure, property level attributes, and more.

Yash’s home in Burlington, Ontario

2 bath
2 bed
1 parking
This brand new condo is close to Burlington GO transit station, and was purchased at $555K ($15K below asking).
View Yash's home

For investors, Lotly is a game changer.

Easy Icon

Low minimum investment

Invest with as little as $1000. Get the returns of real estate without the huge upfront costs.

No monthly cost icon

No monthly expenses

Your investment goes to the down payment. The homeowner pays the mortgage, expenses, and upkeep.

Upside icon

Homes with upside

We use data science to pick properties with the best appreciation potential.

Power of leverage

Your investment is amplified. We provide investors with 3.25X leverage.
What’s leverage?

Aligned Interests icon

Win together

The homeowner is on your team! They are incentivized to take impeccable care of the property.

Feel good investing icon

Feel good investing

You're helping someone become a homeowner. Gone is the divide between landlords & tenants.

Projected return calculator

Amount you want to invest
$2,500
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We expect you’ll have around $6,900 in cumulative returns by year 7 based on our projected annual return (IRR) of 15%

Likely scenario

Projected IRR
14%~16%
Total payout
$3,740

High return scenario

Projected IRR
16%~20%
Total payout
$1900~$2,000

Low return scenario

Projected IRR
7%~14%
Total payout
$1,500~$1,900
This graph shows gross total payout based on a model & assumptions using the 45 year historical annual rate of 6.5% appreciation rate in home prices in the GTA. This assumes that the majority of payout happens before year 7. Gross total payout includes your initial investment. This graph is an example of how things may play out. There can be no assurance of these outcomes. Lotly is meant for experienced investors. All investments carry risk. You must be prepared to lose all or part of your investment. Data source: TRREB.

You make money when home prices increase over time.

When you buy into the Lotly fund, you own equity in multiple high quality homes. Your investment grows as the value of these properties appreciate over time.

You get paid out when each home is refinanced or sold.

Historical data shows that most homeowners sell their first home within 7 years of purchase as their life stage changes. As each homeowner refinances or sells their home, you'll get your initial contribution plus your share of appreciation deposited to your bank account.

In the future, we intend to offer alternate options for investors seeking to liquidate sooner. Read more

You get paid out when each home is refinanced or sold.

Historical data shows that most homeowners sell their first home within 7 years of purchase as their life stage changes. As each homeowner refinances or sells their home, you'll get your initial contribution plus your share of appreciation deposited to your bank account.

In the future, we intend to offer alternate options for investors seeking to liquidate sooner. Read more

Watch your money grow.

After purchasing your fund units, you can view your holdings by logging into your investor dashboard right here on our website.

Buy Lotly GTA fund

Fees are included in the unit price

Our management fees cover:

Facilitation of each home purchase

Management and compliance of the Lotly fund

Maintaining Lotly assets in pristine condition

2%
Initiation fee
One-time fee based on your total investment.
.5%
Annual fee
Based on the invested amount at the end of the year.
2%
Upfront
One-time initiation fee based on your total investment.
.5%
Annual
Calculated based on the invested amount at the end of each year.

Fees are included in the unit price

Our management fees cover:

Facilitation of each home purchase

Management and compliance of the Lotly fund

Maintaining Lotly assets in pristine condition

What investors are saying about our fund

Moez V
Google reviews
“In my opinion real estate is the best investment for long term wealth generation"
Stephen K
Google reviews
“I recommend Lotly to anyone who's frustrated with trying to get into Toronto real estate.”
Lillian J
Google reviews
“I like that I can help someone buy a home, and we can both benefit from it.”
Moez V
Google reviews
“In my opinion real estate is the best investment for long term wealth generation"
Stephen K
Google reviews
“I recommend Lotly to anyone who's frustrated with trying to get into Toronto real estate.”
Lillian J
Google reviews
“I like that I can help someone buy a home, and we can both benefit from it.”

Questions? We have answers.

Fund documents

Lotly GTA fund documents are available to download here. If you don’t see what you’re looking for, please contact us at team@lotly.com.
Investor Fact Sheet
Lotly Offering Memorandum
Agreement of Limited Partnership