Latest news with #SEC-qualified
Yahoo
30-05-2025
- Business
- Yahoo
This is the true value of having a fully paid-off home in America
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. There's great news for America's homeowners: A growing percentage now own their homes outright. No mortgage, no liens. As of 2024, about 38.8% of owner-occupied homes in the United States are owned outright, meaning they no longer have mortgages to pay, according to U.S. Census Bureau data. That is a 40% increase between 2012 and 2022. Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how BlackRock CEO Larry Fink has an important message for the next wave of American retirees — here's how he says you can best weather the US retirement crisis Nervous about the stock market in 2025? Find out how you can access this $1B private real estate fund (with as little as $10) Over half of homeowners from this reporting period are also above the retirement age of 65. So if you're fortunate enough to be mortgage-free and headed towards retirement, chances are you have a lot going for you financially. For starters, the worth of your home, should you choose to sell it, represents 100% equity — meaning your bank owns none of it. If property values in your area have jumped since buying, your home is now much more than a roof over your head. It's also a storehouse of wealth. Here's a closer look at what a fully owned residence could translate to in dollars and cents. It's important to note that homes don't provide returns like traditional investments. After years of mortgage payments, much of your money goes to the lender. For example, on a $500,000 home with a $100,000 down payment and a 15-year mortgage at 2.5%, you'd pay around $80,000 in interest, excluding property taxes, repairs and insurance. Even if you don't own your own home, there are other ways to get the housing market working for you without a hefty downpayment or managing property. New investing platforms are making it easier than ever to tap into the real estate market. For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors. With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property. With risk-adjusted internal returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets. If you're not an accredited investor, crowdfunding platforms like Arrived allows you to enter the real estate market for as little as $100. Arrived offers you access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential. Backed by world-class investors like Jeff Bezos, Arrived makes it easy to fit these properties into your investment portfolio regardless of your income level. Their flexible investment amounts and simplified process allows accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part. Between 2008 and 2013, home prices more than doubled, according to the Federal Housing Finance Agency. This means that a $500,000 home bought in 2008 could be worth $1.08 million today. Read more: You're probably already overpaying for this 1 'must-have' expense — and thanks to Trump's tariffs, your monthly bill could soar even higher. Another way to determine what your paid-off home is worth is by considering how it impacts your retirement budget. By eliminating a $2,500 mortgage payment, you cut your annual expenses during retirement by $30, can help bring your retirement income needs closer to the lower end of the 55%-80% range suggested by Fidelity. Paying off your home before retirement can make for more years of mortgage free investing. For example, paying off your home by 60 years of age frees up $150,000 to invest over five years. At a 7% return, that can grow to $210,000 — providing a solid retirement cushion and the means to build extra wealth. Real estate investing can be a proven path to building lasting wealth. For the 12th year in a row, Americans have ranked real estate as the best long-term investment in 2024, according to a Gallup survey. Through strategic investments in commercial properties and residential real estate, investors can create a robust portfolio that provides both immediate returns and long-term growth. Today, innovative investment platforms are making real estate more accessible than ever. First National Realty Partners (FNRP) allows accredited investors access to grocery-anchored commercial real estate investments with a minimum investment of $50,000. With FNRP, investors own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, providing potential cash flow without the headache of tenant costs and management. One creative way to fund your retirement lifestyle is through a reverse mortgage, which lets you tap into your home equity to supplement your income, pay off substantial debt or fund renovations. The average homeowner has a home equity of $313,000 as of March 2025, according to the ICE Mortgage Monitor report. This could beis quite substantial depending on your financial situation. You can choose to borrow the funds as a lump sum or fixed monthly payment and can spend it however you want, allowing you to turn all that home equity into tax-free cash, helping to support your retirement lifestyle. With a reverse mortgage, you can continue living in your home while accessing its value — and you won't have to make monthly mortgage payments. The loan only becomes due when you move, sell the home or pass away. Access to this $22.5 trillion asset class has traditionally been limited to elite investors — until now. Here's how to become the landlord of Walmart or Whole Foods without lifting a finger Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead Are you rich enough to join the top 1%? Here's the net worth you need to rank among America's wealthiest — plus a few strategies to build that first-class portfolio This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Sign in to access your portfolio
Associated Press
25-02-2025
- Business
- Associated Press
Nomura Strategic Ventures makes an investment in Nada
02/24/2025, Dallas, TX // KISS PR Brand Story PressWire // Nada, a leading fintech platform pioneering home equity investment products for homeowners and investors, today announced that Nomura Strategic Ventures, LLC (NSV) has provided financing through its venture debt fund, NSV Fund 1, to support Nada's continued growth and innovation. The investment will accelerate Nada's expansion as an institutional-grade home equity agreement (HEA) originator and fuel the development of Homeshares, its investment platform providing individuals access to the home equity asset class. This transaction provides Nada with flexible, non-dilutive capital and strengthens its engagement with Nomura to explore additional partnerships regarding HEA financing and capital markets strategies. 'We invest capital and also support the business-development objectives of startups,' said Neeraj Hora, CEO of NSV. 'We look forward to collaborating with Nada to explore future partnership opportunities around their home equity agreement asset.' 'In 2024, we experienced significant growth in our partner network and among homeowners embracing this exciting new asset class—home equity agreements. With the added support and partnership from Nomura, we are well-positioned to further accelerate our expansion.' said Tore Steen, CEO of Nada. Nada is the first SEC-qualified issuer, providing individual investors access to the emerging home equity agreement (HEA) asset class. Through its Homeshares platform, Nada has introduced multiple investment products centered on HEAs, including the newly launched U.S. Home Equity Fund I, which offers investors a diversified portfolio of HEAs across the U.S. with an institutional-grade securitization exit strategy. With its in-house originations team, Nada has enabled homeowners across 14 states to unlock home equity without taking on debt. As its capital stack expands, Nada has scaled HEA origination volume to over $10M per month and is well-positioned for continued growth as a market leader in the HEA space. Nada is a fintech platform that offers innovative home equity investment solutions, allowing homeowners to access their home equity without taking on debt. Through its Homeshares investment platform, Nada provides investors with access to diversified residential real estate markets through fractional investments in home equity, supported by institutional-grade financial structures. Nomura is a global financial services group with an integrated network spanning over 30 countries. By connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Retail, Wholesale (Global Markets and Investment Banking), and Investment Management. Founded in 1925, the firm is built on a tradition of disciplined entrepreneurship, serving clients with creative solutions and considered thought leadership. For further information about Nomura, visit About NSV NSV is a subsidiary of Nomura Holding America Inc. and manages Nomura Strategic Ventures Fund 1 (NSV Fund 1) as well as the investment activities of the Nomura Group's Financial Innovation office in the United States. This press release may contain forward-looking statements describing future expectations, plans, results, or strategies. These statements are subject to risks and uncertainties that may cause actual outcomes to differ materially from those projected. Changes in product offerings, regulatory plans, and business strategies are potential factors influencing such differences. Media Contact:
