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.
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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.
Realbricks investors do not need to take out a mortgage to own a part of a property. This eliminates the need for monthly mortgage payments and, importantly, removes the risk associated with fluctuating interest rates. Investors no longer have to worry about the impact of interest rate changes on their finances, making real estate investment through Realbricks a more stable and predictable option. All the properties seen on the Realbricks platform have been completely paid off in cash. Realbricks does not use loans to purchase properties.
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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Property information shown has been provided from various sources, which can include the seller and/or public records. It is believed reliable but not guaranteed and should not be relied upon without independent verification.
Disclaimer: Images, Information and Floor Plan and Measurements are approximate and are for illustrative purposes only. We make no guarantee, warranty or representation as to the accuracy and completeness of the floor plans, measurements and or any information provided. You or your advisers should conduct a careful, independent investigation of the property to determine to your satisfaction as to the suitability of the property for your space requirements. All pricing and availability is subject to change. The information is to be used as a point of reference and not a binding agreement.
