Interactive tools
Payout split calculator

Understand the payout split for Lotly homebuyers and investors

This is an illustrative example for a single home in the Lotly fund.
The fund consists of high quality homes in the GTA.

$700,000

1+1 bed • 1 bath

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$1,200,000

3 bed • 2 bath

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Enter Custom Amount

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Homebuyer down payment contribution
6% ($44,995)
Investors cover the rest
6% ($44,995)
Investors pay remaining 14% ($15,995)
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How long will you live in this home?
7 years
Annual market appreciation rate
6%
Lightbulb icon to accentuate home appreciation fact
The pre covid 15 year average annual home appreciation rate between 6-7% in southern Ontario.

After 7 years, the homebuyer will have $100,104 in equity and investors will have $250,104

Homebuyer equity from down payment
$4,684
Homebuyer equity from mortgage pay down
$4,684
Homebuyer equity from appreciation
$3,000
See below for detailed calculations
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After 7 years at a X% market appreciation rate, this $800,000 home will be worth $1,200,000.

The homebuyer will have
$100,000
Initial down payment
$44,995
Piece of appreciation
$66,000
Equity from mortgage pay down
$250
Total
$100,000
Investors will have
$200,000
Initial investment
$3,000
Piece of appreciation
$252,000
Total
$200,000

Payout over time with a 6% yearly market appreciation rate

Year
Home price
Homebuyer payout1
Investor payout2
1
$1,100,000
$100,000
$200,000
3
$1,200,000
$120,000
$200,000
5
$1,300,000
$140,000
$200,000
7
$1,500,000
$160,000
$200,000
10
$1,600,000
$180,000
$200,000
1. Homebuyer payout includes down payment, a share of the home’s appreciation, and principal paid down on the mortgage.
2. Investor payout includes down payment, and a share of the home's appreciation.

When a homebuyer is ready to exit the Lotly fund, what are the options?

Sell the home

When a homebuyer is ready to move on or buy a different home, the investors can be paid out using proceeds from the home's sale.

Refinance the home

If the homebuyer wishes to continue living in the same home, they may be able to refinance their mortgage to buy out investors.