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Why interest only loans?

The loans on the properties are interest-only. An interest-only mortgage (offered as an adjustable-rate mortgage or ARM) is a type of mortgage in which the borrower is only required to pay interest on a loan for a certain period, typically 2 years. The principal is repaid in a lump sum or subsequent payments with a refinance or closing of the loan. Overall, this structure results in a higher cash flow to the investors given the monthly payment is significantly lower than a loan paying interest and paying down the principal.

Interest-only loans are structured as an adjustable-rate mortgage (ARM), and the ability to make interest-only payments can last up to 2 years. This mortgage usually results in lower rates than a fixed mortgage and a lower monthly payment.

In addition, the mortgages on the properties are non-recourse which is secured by the property (the collateral). If the case of a default, the mortgage issuer can only seize the collateral. Investors own 100% of the equity in the property, but there is no personal liability for this type of loan. Non-recourse debt is a type of loan secured by collateral, in this case, the property. If the borrower defaults, the issuer can seize the collateral but cannot seek the borrower for any further compensation, even if the collateral does not fully cover the value of the defaulted amount.

The ARM loan may include an initial fixed-rate period that is typically 5 to 10 years. The interest rate may change (adjust) each year thereafter once the initial fixed period ends. For example, with a 5/1 ARM loan for a 30-year term, your interest rate would be fixed for the initial 5 years and could fluctuate up or down each subsequent year for the next 25 years.

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You should speak with your financial advisor, accountant, and/or attorney when evaluating any Shares. None of Landa Holdings or its affiliates, Dalmore makes any recommendations or provides advice about Shares, and no communication, through this website or in any other medium, should be construed as a recommendation or investment advice. Nothing on the Platform should be construed as investment or tax advice, or a solicitation or offer, or a recommendation to buy or sell any securities.The Platform may make forward-looking statements. You should not rely on these statements but should carefully evaluate the offering materials in assessing any investment opportunity, including the complete set of risk factors that are provided as part of the offering circular for your consideration. We urge you to review the applicable offering circular, available here.

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