Interactive tools
Appreciation split calculator

How much home appreciation do our homeowners get vs. our investors?

This is an illustrative example for a single home in a fund. The Lotly fund consists of multiple homes like this, and you will own shares in multiple homes.
Initial home price
$1,000,000
Homeowner contribution
5% ($44,995)
Investor contribution
15% ($44,995)
Investors pay remaining 14% ($15,995)
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If the home price goes up by 20% ($1.0M to $1.2M), the homeowner will be entitled to 51% of the $200k upside, and investors will have 49%.

Homeowner
51%
$105k out of $200k
$200K
20% appreciation
Investors
49%
$105k out of $200k
$200K
20% appreciation
Homeowner
Investors
51%
49%
$105k out of $200k
$105k out of $200k
1. Homeowner payout would also include down payment, and principal paid down on the mortgage in addition to appreciation.
2. Investor payout includes down payment, in addition to appreciation.

What if the home loses value?

If the home loses value over time, investors will share in the downside. This means investors will lose a part of their initial contribution, up to the whole amount if prices fall drastically.

With Lotly, homeowners and investors win together, and lose together.

Do you want to see a more detailed price breakdown?

Use our Payout Calculator to modify the appreciation rate and term length to see a detailed breakdown of homeowner and investor payouts.
Go to Payout Calculator