For investors
Invest in homeownership.
A double-bottom-line fund built on single-family homes — pairing accredited investor capital with first-time buyers to deliver target returns and lasting community impact.
Why invest with Ownify
Invest in your community & get market-rate returns
10-14% Target Return
Structured to deliver both quarterly income and long-term appreciation, with target cash distributions averaging 8% annually.
Invest in Single-Family Homes
Capital is deployed into high-quality properties across strong U.S. metro markets — the most resilient asset class in America.
Returns with Real Impact
The model helps responsible first-time buyers become homeowners — without compromising investor returns.
How it works
A model built on alignment
Buyers are qualified upfront
Ownify works with financially stable renters who are ready for homeownership but blocked by traditional mortgage barriers. We underwrite income, credit, and housing readiness — not just FICO — to identify buyers positioned for long-term success.
The fund acquires the home
Once a buyer is approved, the Ownify Home Fund purchases a single-family home that fits their needs and meets the fund's return criteria. Homes are underwritten for yield, market strength, and appreciation potential — not speculation. The buyer moves in immediately, creating occupancy and cash flow from day one.
Ownership shifts over time
Each month, the buyer purchases additional equity through structured payments. This creates a consistent stream of income for the fund while gradually shifting ownership to the buyer. When the home is eventually sold or refinanced, investors share in the appreciation.
What investors are saying
Institutional grade investment with a heart
“An amazing opportunity to have a double-bottom-line investment — make money and do good at the same time.”
“The perfect balance of strong returns and meaningful social impact. The transparency of the model and quality of property selection makes this my favorite alternative investment.”
“Home ownership is one of the great American wealth builders, yet many struggle to take the first step. That's why I'm an investor in the Ownify Home Fund.”
“The Ownify product will open many more doors to qualified homebuyers.”
“Single-family homes are a great investment vehicle, and I like the tax advantages of investing in this asset class.”
“I invested because I was excited about the rigorous, scientific underwriting engine Ownify built to qualify the customers and homes we invest in.”
“Donors can use existing DAF capital to generate measurable, sustainable social impact — building pathways to homeownership while preserving the tax-smart structure they already trust.”
“Philanthropic investment capital can go beyond traditional grants — creating lasting housing impact while recycling returns back into future giving.”
“I like the Ownify model because it provides a path to ownership for good-credit customers who would not otherwise be able to afford it.”
Why Co-Ownership Works
Six structural advantages over traditional single-family residential investing
The co-investment model fundamentally changes the risk-return profile of single-family real estate. Every advantage flows from one design principle: the resident is an owner, not a tenant.
Lower Maintenance Costs
Co-owners treat properties like their own — because they are. Fund 1 maintenance costs have run approximately 60% below institutional SFR benchmarks to date.
Missed Payments
Strong credit risk and income underwriting ensures customers have the capacity to meet their payment obligations, even at low-middle income levels.
Strategic Defaults
“Evergreen equity” means residents are never underwater. The shared-equity mechanism eliminates the moral hazard that plagues traditional leveraged homeownership.
Below-Market Acquisition
All-cash offers with accelerated close, AI-powered valuation, and an aligned agent incentive model have historically averaged approximately 5% below fair market value on purchase in Fund 1.
Quartile Rental Yields
Expanded home choice and payment certainty support strong rental yields. Occupancy fees have exceeded comparable rental yields across Fund 1 markets to date.
Saved on Disposition
Built-in sale to the co-owner eliminates the 6–8% in brokerage, staging, and marketing costs that typically erode exit proceeds in traditional SFR portfolios.
Who we are
Built by operators
Founded Ownify in 2022. Previously CEO of Nomis Solutions, the premier pricing engine for mortgage lenders globally. Prior to that, VP of Decision Management at FICO, and VP of Product at eCoverage. Started his career at Oliver Wyman. B.S. Finance, Wharton School.
Started Ownify after serving as COO of Divvy Homes, where he led the acquisition and management of 5,000+ single-family homes. Previously Business Lead for SoFi's mortgage business, Portfolio Manager at PIMCO, and worked in Treasury and Structured Products at State Street. B.A. German Studies, Dartmouth.
Backed by
Blue-chip institutional investors
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