How does leverage work with Lotly?

Lotly homes are financed using a mortgage. Investors contribute to the down payment, and in exchange, homeowners take on and pay the mortgage. For every $1.0 that investors put toward the down payment, they get $3.25 in asset value exposure.

Got it

Invest in new builds at their 2018 prices

Co-own prime GTA real estate
Invest in the homes of real homeowners
Don’t take on a mortgage or extra expenses
Start investing from $1000
15%+ projected annual return
Get Started

Invest in new builds at their 2018 prices

Co-own prime GTA real estate
Invest in the homes of real homeowners
Don’t take on a mortgage or extra expenses
Start investing from $1,000
15%+ projected annual return
Get Started
As seen in

Lotly investing explained

01.
Investors (You) contribute to the fund. This goes towards the down payments of approved homebuyers and closing owner-occupied new construction units.
02.
In return, you own home equity in every property within the fund. Your investment grows as the value of these properties appreciates over time.
03.
You get paid out as the properties are sold or refinanced. You’ll receive your initial contribution, plus your share of home appreciation. (Approx 15%+ annual return)
Unit price
$10.00
Last updated Mar 2023
Fund status
open
Last updated Mar 2023
Projected return
15%+
Estimated 15%~22%
Annual management fee
0.5%
+2% one-time upfront

Co-own all properties in the Lotly fund

Yash’s home in Burlington

2 bed • 2 bath • 1 parking
Purchase price: $555,000

Nick’s home in Milton

2 bed • 1 bath • 1 parking
Purchase price: $550,000

Lauren’s home in Scarborough

3 bed • 2 bath • 1 parking
Purchase price: $960,000

Est. 2023 occupancy

Assignment price: $817,000
Current market price: $845,000

Est. 2023 occupancy

Assignment price: $615,000
Current market price: $660,000

View properties in the Lotly fund

We use data to select properties with the best relative value and growth prospects.

Yash's home

Burlington

2 bed • 2 bath • 1 parking • 700 - 799 sqft • Purchase price: $555,000

Nick's home

Milton

2 bed • 1 bath • 1 parking • 600 - 699 sqft • List price: $550,000

Lauren's home

Scarborough

3 bed • 2 bath • 1 parking • 1200 - 1299 sqft • List price: $960,000

Diversify your portfolio with resale properties and brand new builds.

Lotly GTA fund houses both resale homes and brand new buildings. We use data to select properties with the best relative value and growth prospects.

*Holding details can change anytime before the fund closes in Dec 2023.

Get the best of both worlds in one fund.

Lotly Resale Properties

Properties with high growth potential
Projected 15% annual return
Purchased at negotiated prices
Located in established neighbourhoods

Lotly New Build Properties

Brand new builds at their 2018 prices
Projected 22% annual return
Huge discount to current market prices
No development risk or delay

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.

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Now is the best time to get into real estate.

There are 3 key signals from home price data in the GTA.
MLS Home Price Index. Composite property type, source: CREA, 2023

High return scenario

Projected IRR
16%~20%
Total payout
$1900~$2,000
High-return, long-term asset

High return scenario

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

High return scenario

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

High-return, long-term asset

The real estate market in the Greater Toronto Area has been consistently growing over the last 10 years.

Faster market recovery

When home prices fall, the time required for market recovery has shortened over time.

Unique buying opportunity

There have only been a handful of drops like this one in the last 40 years & Lotly is well 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

Projected return calculator

Amount you want to invest
$2,500
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Likely return
High return
Low return
Based on the 45 year historical rate of return in home prices in the GTA, actual amount my differ. Data source: TREB

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

Based on the 45 year historical rate of return in home prices in the GTA, actual amount my differ. Data source: TREB

It’s easy to get started and manage your investment

You can sign up and purchase fund online in less than 5 minutes. View your holdings by logging into your dashboard right here on our website.

It’s easy to get started and manage your investment

You can sign up and purchase fund online in less than 5 minutes. View your holdings by logging into your dashboard right here on our website.

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

Your payout will be deposited to your bank account at the time of each sale. We expect most homes to be sold within 7 years based on historical data.

In the future we intend to offer other liquidity options. Read more

Get paid out when each home is refinanced or sold.

Your payout will be deposited to your bank account at the time of each sale. We expect most homes to be sold within 7 years based on historical data.

In the future we intend to offer other liquidity options. Read more

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.”

Management fees are included in the unit price

Our fees cover:

Facilitation of each home purchase

Management and compliance of the Lotly fund

Maintaining 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.

Management fees are included in the unit price

Our fees cover:

Facilitation of each home purchase

Management and compliance of the fund

Maintaining assets in pristine condition

Questions? We have answers.

View our full FAQ

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
Download
Lotly Offering Memorandum
Download
Download
Agreement of Limited Partnership
Download