--- title: "Invest in Starter Homes for First-Time Buyers (Ownify)" description: "Co-invest in owner-occupied single-family homes with first-time buyers. Asset-backed, monthly cash flow, owner-occupied risk profile. For accredited investors." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "@id": "https://ownify.com/#organization", "name": "Ownify", "alternateName": "Ownify Homeownership", "url": "https://ownify.com/", "logo": "https://ownify.com/favicon.png", "description": "Ownify is a fractional homeownership platform that helps first-time homebuyers buy a real home with as little as 2% down by partnering with long-term capital investors. Active in Colorado, North Carolina, and Tennessee.", "foundingDate": "2022", "areaServed": [ { "@type": "State", "name": "Colorado" }, { "@type": "State", "name": "North Carolina" }, { "@type": "State", "name": "Tennessee" } ], "sameAs": [ "https://www.linkedin.com/company/ownify", "https://x.com/ownifyhome", "https://www.facebook.com/ownifyhome", "https://www.instagram.com/ownifyhome", "https://www.youtube.com/@ownify" ], "contactPoint": { "@type": "ContactPoint", "contactType": "customer support", "url": "https://ownify.com/contact", "areaServed": [ "US-CO", "US-NC", "US-TN" ], "availableLanguage": "English" } }, { "@context": "https://schema.org", "@type": "WebSite", "@id": "https://ownify.com/#website", "url": "https://ownify.com/", "name": "Ownify", "publisher": { "@id": "https://ownify.com/#organization" }, "inLanguage": "en-US" }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://ownify.com/" }, { "@type": "ListItem", "position": 2, "name": "Investors", "item": "https://ownify.com/investors" } ] }, { "@context": "https://schema.org", "@type": "InvestmentOrDeposit", "name": "Ownify Home Funds", "description": "Accredited-investor private placements (Reg D 506(c)) that co-invest with first-time homebuyers in single-family starter homes across Colorado, North Carolina, and Tennessee. Target returns of 10–14% with quarterly income distributions.", "provider": { "@id": "https://ownify.com/#organization" }, "amount": { "@type": "MonetaryAmount", "currency": "USD", "minValue": 100000 } } ] --- We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience and analyze website traffic. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy . You can change your cookie settings at any time by clicking “Preferences .” Accept [![Ownify](/assets/ownify-logo-color-B9tRH5I9.png)](/) [Homebuyers](/homebuyers) [Investors](/investors) [Agents](/agents) [Markets](/markets) [Research](/research/ownify-university) [Blog](/blog) [About](/about) [Sign in](https://app.ownify.com/auth/magic/request?__hstc=53035703.76e026cae32e46a9d2d6afad379e9a7d.1787187742336.1787187742336.1787187742336.1&__hssc=53035703.1.1787187742336&__hsfp=459a5155cbd50c6758f41a978f891916)[Get started](https://app.ownify.com/applications/new?__hstc=53035703.76e026cae32e46a9d2d6afad379e9a7d.1787187742336.1787187742336.1787187742336.1&__hssc=53035703.1.1787187742336&__hsfp=459a5155cbd50c6758f41a978f891916) 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. [Schedule a Call](https://calendly.com/frankrohde/intro-call) [See the North Carolina Fund](/investors/north-carolina)[See the Colorado Fund](/investors/colorado-home-fund) 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 01 ### 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. 02 ### 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. 03 ### 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.” ![David Hornik](data:image/jpeg;base64,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) David Hornik Partner, Lobby Capital > “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.” ![Seb Pahl](/assets/seb-pahl-UUl4-hnY.jpeg) Seb Pahl 2x Y Combinator Founder > “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.” ![Alan McIntyre](/assets/alan-mcintyre-Qrf1Wkxg.jpeg) Alan McIntyre Former Head of Accenture Banking > “The Ownify product will open many more doors to qualified homebuyers.” ![Jason Foucher](/assets/jason-foucher-ex16zjKY.jpeg) Jason Foucher Chief Product Officer, Indigo > “Single-family homes are a great investment vehicle, and I like the tax advantages of investing in this asset class.” ![Chris Mondfrans](/assets/chris-mondfrans-LDBd2ZlL.jpeg) Chris Mondfrans CFO, Nomis Solutions > “I invested because I was excited about the rigorous, scientific underwriting engine Ownify built to qualify the customers and homes we invest in.” ![Martin Buhr](/assets/martin-buhr-CIeFA9BV.png) Martin Buhr Product Leader, Google & Meta > “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.” ![Todd Manwaring](/assets/todd-manwaring-3CzBgilc.jpeg) Todd Manwaring Co-Founder & Chief Social Impact Officer, UI Charitable > “Philanthropic investment capital can go beyond traditional grants — creating lasting housing impact while recycling returns back into future giving.” ![Matt Eldridge](/assets/matt-eldridge-BWfm2FrL.jpeg) Matt Eldridge Executive Director, Realize Impact > “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.” ![Dr. Robert Phillips](/assets/robert-phillips-W5zMbXzY.png) Dr. Robert Phillips Professor, Columbia Business School 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. 60% ### 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. 0 ### Missed Payments Strong credit risk and income underwriting ensures customers have the capacity to meet their payment obligations, even at low-middle income levels. 0 ### Strategic Defaults “Evergreen equity” means residents are never underwater. The shared-equity mechanism eliminates the moral hazard that plagues traditional leveraged homeownership. 5% ### 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. Top ### 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. 6–8% ### 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 ![Frank Rohde, Founder & CEO of Ownify](/assets/frank-rohde-DCfv89pU.png) ### Frank Rohde[](https://www.linkedin.com/in/frankrohde/) Founder & CEO 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. ![Ben Herold, Founder & COO of Ownify](/assets/ben-herold-DEPHZOe-.jpeg) ### Ben Herold[](https://www.linkedin.com/in/benherold/) Founder & COO 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 [![Lobby Capital logo](/assets/lobby-capital-Bqv4musM.png)](https://lobby.vc/)[![Fortified Ventures logo](/assets/fortified-ventures-Cz3b80nR.png)](https://www.linkedin.com/company/fortifiedventures)[![Unwritten Capital logo](/assets/unwritten-capital-B_5GwP52.png)](https://www.unwrittencapital.com/)[![Ground Squirrel Ventures logo](/assets/ground-squirrel-ventures-CPf-1nFd.png)](https://groundsquirrelventures.com/)[![Socially Financed logo](/assets/socially-financed-B4V_xZp4.png)](https://sociallyfinanced.com/)[![UI Charitable logo](/assets/ui-charitable-CbLbTLyd.png)](https://www.uicharitable.org/)[![Realize Impact logo](/assets/realize-impact-ChFSU9Nn.png)](https://realizeimpact.org/) ## Ready to build wealth differently? Join a fund designed for growth, income, and lasting impact. [Schedule a Call](https://calendly.com/frankrohde/intro-call) [See the North Carolina Fund](/investors/north-carolina)[Explore the Colorado Fund](/investors/colorado-home-fund)[Browse 84 investor Q&As](/investors/faq) Not ready to talk? Subscribe to our newsletter. ### Homebuyers - [How it works](/homebuyers/how-it-works) - [Are you eligible?](/homebuyers/eligibility) - [Build my plan](/myplan) - [Ownify vs. mortgage](/homebuyers/vs-mortgage) - [Ownify vs. rent-to-own](/how-rent-to-own-works) - [Detailed calculators](/homebuyers/detailed_calculators) - [Ownify Mortgage](/mortgage) ### Investors - [Why invest](/investors) - [Investor FAQ](/investors/faq) - [North Carolina Home Fund](/investors/north-carolina) - [Colorado Home Fund](/investors/colorado-home-fund) - [Become a partner](/investment-partner) ### Agents - [How it works](/agents/how-it-works) - [Agent benefits](/agents/benefits) - [Get accredited](/agents/accreditation) ### Markets - [Colorado](/markets/colorado) - [North Carolina](/markets/north-carolina) - [Tennessee](/markets/tennessee) - [California](/markets/california) - [All markets](/markets) ### Company - [About us](/about) - [Our impact](/research/our-impact) - [Ownify University](/research/ownify-university) - [Reviews](/reviews) - [Blog](/blog) - [Ownify Tools & Tech](/tech) [![Ownify](/assets/ownify-logo-reversed-CShwpfYm.png)](/) [Terms](/legal/terms)[Privacy](/legal/privacy)[Contact](/contact)[Consent Preferences](#)[Do Not Sell or Share My Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a)[Limit the Use Of My Sensitive Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a) © 2026 Ownify, Inc. All rights reserved. Equal Housing Opportunity. Fractional ownership investments are provided by Ownify, Inc., 548 Market Street #25841, San Francisco, CA 94104. Real Estate Brokerage services may be provided by Ownify Real Estate LLC, NCREC C36616. Mortgage broker and loan processing services are offered through Real-Finity Mortgage, LLC, dba Realfinity. NMLS #2445766 and #2723220. Real-Finity Mortgage, LLC is a licensed mortgage brokerage and maintains its corporate headquarters at 929 Alton Road Suite 500, Miami Beach, FL, 33139. ✕ - Hi, I'm Owen. I can build a personalized homeownership plan for you here: https://ownify.com/myplan