In the traditional real estate market, the desire to own property outright has always been driven by the promise of capital appreciation and long-term financial security. For many, buying a home or investment property has been seen as a fundamental step toward building wealth, offering the dual benefits of a place to live and a valuable asset that typically appreciates over time. However, the landscape of property ownership has become increasingly challenging, with rising property prices, substantial down payments, and fluctuating interest rates making it difficult for the average person to achieve this dream.
Owning a property outright has always been appealing because of the potential for capital appreciation—the increase in property value over time—which can significantly contribute to an individual's net worth. In addition, owning a property allows people to have control over their living space and provides a sense of stability and accomplishment.
However, this traditional approach to real estate comes with significant financial burdens. For one, the high cost of down payments, which can range from 10% to 20% of the property’s value, often places homeownership out of reach for many. Even for those who can afford the down payment, securing a mortgage means committing to decades of monthly payments, often at interest rates that can change unpredictably with the market. This unpredictability can lead to financial stress and make it difficult for homeowners to plan for the future.
Moreover, owning a property means taking on the full responsibility of maintenance, property management, and dealing with the risks of market fluctuations. If the property market takes a downturn, the homeowner could face a loss in property value, which can be particularly painful if they are still paying off a mortgage.
Realbricks is addressing these challenges by offering a modern solution: fractional ownership. This innovative approach allows individuals to invest in real estate by purchasing shares of a property, rather than buying the entire property outright. By doing so, Realbricks is democratizing access to real estate investing and making it possible for more people to enjoy the benefits of property ownership without the traditional financial and logistical burdens.
One of the most significant barriers to homeownership is the high cost of a down payment. With Realbricks, investors can purchase fractional shares in a property. This can be as low as $100 on the initial offerings, and any price on the secondary market, provided there is a seller willing to sell their shares. This lower barrier to entry means that more people can participate in real estate investing, even if they don't have the savings required for a traditional down payment.
At RealBricks, all properties are purchased outright, which means there’s no mortgage or loans involved. This debt-free approach offers significant advantages to investors. Without the burden of interest rates, your returns aren’t impacted by rising costs associated with traditional real estate investments that rely on borrowed capital. As a result, investors enjoy a more stable and predictable income stream, and there’s no need to worry about fluctuating mortgage payments or market conditions affecting the property’s financial health.
In addition to potential capital appreciation, Realbricks investors benefit from owning a share of long-term rental properties. These properties generate rental income, which is distributed to investors in the form of dividend payouts. This can provide a regular income stream, adding another layer of financial security to the investment. By participating in the rental market without the need to manage tenants or property maintenance directly, investors can enjoy passive income with minimal hassle.
By allowing individuals to invest in fractional shares, Realbricks is repositioning the traditional need to own property outright. Investors can still benefit from real estate appreciation and rental income, but without the significant financial and logistical burdens that come with full ownership. This model offers a more flexible and accessible way to participate in the real estate market, and allows for the opportunity to let more people build wealth through real estate.
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Disclaimer: Investing in real estate involves risks, including the potential loss of capital. This content is for informational purposes only and is not intended as investment advice. Investors should perform their own research and consult with financial professionals before making investment decisions.
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